davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all inquiries are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these inquiries immediately : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I traded my XXXX in through XXXX the beginning of XXXX. The company came and picked the vehicle up ( XXXX ) on XX/XX/year>. The payment isn't due until XX/XX/year> then I still have a 15 day grace period to pay. I have accumlated a late payment on my consumer report. I have reached out to XXXX and they been giving me the run around and won't send the documents that I have been requesting. Please drop the late payment off of my credit because it is hindering me from buying a house.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

On the day of XX/XX/2023, I submitted claims out to Experian, XXXX, and XXXX. Here is my tracking numbers : Experian- XXXX, XXXX XXXX, XXXX XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.

The report records that Jefferson Capital Systems. I request that you provide the original documents for this information containing my appended signature and any other related information.

I am filing this complaint because I have never had any affliction with this company. I have never had phone service and I have been on my parents phone account since Ive had a phone. This account is hindering my credit score tremendously and it is very unfortunate because I have been trying to get it off my credit report for awhile now.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have been sending uncountable letters appealing to Transunion to confirm the disputed account and take out them if unable to show that the account is mine. I have been a victim of Identity Theft and the account I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the account removed now! 

XXXX XXXX XXXX XXXXXX
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (FL)

I financed two XXXX XXXX with Yamaha Finance USA. I made monthly payments on time for 7 years. The account was set on " auto pay ''. The final payment came due and was {$60.00} greater than the recurring payment of {$320.00}. I was contacted via email saying the account was past due - much to my surprise as the regular monthly payment of {$320.00} had been withdrawn from my bank account, on time, as in the past. When I got in touch with Yamaha Finance I was told I owed {$100.00}. I made the payment on the call and asked for the transaction history to demonstrate the account was paid off. When I received that history, I was surprised to find a late fee of {$39.00}, which there was no mention of on the call. 

That history is : XXXX - email notice of draft reminder ( as usual ) XXXX - draft drawn on my bank account of {$320.00} ( as usual ) XXXX - email notice of account past due XXXX - payment made ( due to my phone call regarding past due notice ) of {$100.00} which included difference between final payment and recurring payment of {$60.00}, a late fee of {$39.00} and finally an additional interest charge of {$2.00} XXXX - email of account history showing late fee, interest and account balance - which I had to request After receiving that email on XXXX with the account detail, I requested that the fee be refunded, and I was declined. However the only way I found that out was by me contacting them again today ( XXXX ) to check on the status, which was not easy, since the account had been paid in full it was no longer an active account. 

I am concerned there may be a practice going on that is at least unethical and at most fraudulent and possibly should be reported as a whistleblowing incident. I was very pleased to see Yamaha has a compliance and whistleblowing program. However, when I spoke with the account reps ( XXXX and XXXX XXXX, neither was aware of such a program. I absolutely love the waverunners, have owned various models over 20 years. Great product. I am concerned the finance department is acting unethically and damaging the reputation. Most importantly, other customers may be getting ripped off in the same fashion and simply give up because the amount is not all that significant. Please help in addressing this matter.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to, authorize nor benefit from any of the following account. Block and remove them. 


XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately. 

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title XXXX, United States XXXX, XXXX for not more than XXXX  years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to Equifax XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I am writing to formally dispute certain entries on my credit report as I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and under 15 U.S.C. 1681c-2 ( a ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit report. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/29 a person used my stolen license to withdrawal {$1400.00} from my account at a branch in XXXX, MI. We do not live near there. We called immediately when we received the alert but had to wait until it was no longer pending. On XXXX we started contacting claims for the fraudulent activity. Both my husband and I have called countless times. I have visited the branch. I have faxed both my drivers license and the police report multiple times. I have emailed my police report. They are still claiming, 10 days later that they do not have any of the things that both I and the branch have faxed and emailed. They will not allow me to contact anyone other than the people at the claims call center. There is no ONE person to speak to that can help us get our money back. We are now nearly 3 weeks after this thief stole our money and still do not have it back. Chase has made it nearly impossible to get it back and have treated us as criminals with the burden of proof being on us. Their system is broken. This is not okay.
Consumer complaint received 2022-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IN)

In XXXX, ERC sent me a debt collection letter for XXXX XXXX. I have never been a customer of XXXX XXXX. The debt was for someone with a different name than mine who lived in a place I had never heard of. I disputed this debt with ERC and XXXX XXXX. For proof of debt, ERC sent me this other person 's bills. This did not prove the debt belonged to me. It was just someone else 's bills with their name, address and phone number. ERC kept asking me to give them my social security number which I refused to do. ERC then told me the only way to clear this debt was by submitting a form stating that I was the victim of identity theft. I had a fraud monitoring service at the time, and my bank also provided identity protection. Both of them told me that my social security number had not been used to open any XXXX XXXX account. So I refused to submit the identity theft form to ERC unless they provided me the social security number on the account. I also spoke to the XXXX XXXX XXXX XXXX XXXX Customer Service Representative on XX/XX/XXXX. The representative told me that there was a note on the account saying the debt was not identity theft and the balance had been zeroed out. This is the last I heard about the debt until XX/XX/XXXX when I received another debt collection letter from ERC. I checked my credit reports to see if this was negatively impacting my credit rating and found that the name on the XXXX XXXX account had been added to my credit file as a known alias! How did this happen? Did ERC add the name to my credit file?
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NV)

XXXX sent me bill dated XX/XX/2023. 
They took an automatic payment ( XX/XX/2023 ), from my bank acct on XX/XX/2023 for 2 Cell phones. The amount taken was {$140.00}. This was a reg. payment just before I moved. 
I moved to XXXX on XX/XX/2023 with the number ending in # XXXX and moved the # XXXX number by XX/XX/2023 from XXXX to XXXX. Start move date to XXXX was XX/XX/2023 and last move date was XXXX. 
By XX/XX/2023 I was mailed a collections bill from XXXX XXXX XXXX XXXX 
Called XXXX today ( XX/XX/2023 ) but they would give any info on the past account because I need a XXXX XXXX with XXXX digits. I do not have this XXXX Code so they said I need to go into the store to reset the pass code. I told them do to the pass experiences I was not going in their stores. The female said I can't help you with any info. I said I have an account number on this bill, she said no can't use the acct #, I have the ( 2 ) transfer pin & transfer codes but she said I need you to go into the store to get a pass code on your account. I said, I can't go into the store and don't know what pin you are taking about. She did not even want the security questions answered...... okay ... Called the called the Collections company. # 1 ) the collections company gave me the itemized amounts of why they are charging XXXX # XXXX ) # XXXX ) XXXX needs to send me the proof that I owe {$340.00} because they got my account from XXXX plus XXXX has been over charging me for more than 2 years. # 3 ) XXXX owes me money due to many factors # 3 ) itemize why I owe {$340.00} when my account was moved to XXXX XX/XX/2023 XXXX # 4 ) I went in XXXX store in XXXX XXXX XXXX XXXX  and XXXX a ( less expensive secondary phone ( about 2 years ago ) paid for the phone in full About {$200.00} w/o tax ( # at that time was XXXX ) model # XXXX, XXXX # XXXX ) XXXX XXXX XXXX. The person said she was a XXXX, took my debt payment but when the bill came out I was charged about {$35.00} a month for XXXX years. No one would help me with this over charge ( for the phone ) on my bill about. There was monthly billing charge and insurance charge. Please send me the itemize charges for # XXXX plus the itemize docs when the cell number was changed to XXXX. These over ( on the secondary # ) charges is one of the main reason I left XXXX. # 5 ) Don't like dealing with crooks. Again XXXX owes me hundreds of dollars. I wish the CFPB knowledge and assistance had been available to me sooner. I am a senior and will not be a financial victim any longer!!!
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, Equfiax, & XXXX for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, XXXX XXXX Equifax was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB