davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, This letter serves as my formal and final notice to immediately remove or update the inaccurate, outdated, or unverifiable accounts currently appearing on my credit report. I have reason to believe that these accounts have either been reported erroneously or contain errors in their status, and they must be updated or removed within 48 hours to reflect a paid in full status with no late payments. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be 100 % accurate, verifiable, and timely. After conducting a thorough review, I believe that these accounts fail to meet the required standards, and as such, I am demanding immediate action. 

If these accounts can not be fully verified or updated to reflect paid in full with no late payments within two ( 2 ) business days, I will take the following actions : 1. Seek legal action, including filing a lawsuit for damages for failure to comply with the law.

2. Contact all necessary legal authorities, including the Attorney General, to report the mishandling of my personal information and any potential violations of consumer rights. 

I have attached all supporting documentation, including payment records, communications from creditors, and any relevant account statements, proving that these accounts are either inaccurate or can not be verified. 

Failure to comply with this demand within 48 hours will result in immediate escalation through all legal channels available to me. Additionally, this letter serves as a formal notice to preserve all records related to this matter for potential litigation. I expect a prompt response and full compliance within the stated timeline. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (MD)

This is my second complaint against Ally Auto. On XX/XX/XXXX I sought to pay off my vehicle. I was given incorrect account information and as a result XXXX was missing for over a month. After contacting CFPB, Ally returned my vehicle, retrieved the money, and provided me a PIF ( paid in full ) letter. XXXX XX/XX/XXXX, I received a letter from Ally basically trying to swindle me out of more money when my debt to them has already been paid. They lost my money, made me get a third party involved before they even attempted to find it!!!! Now they are threatening to hold onto my title until I pay more money that I actually dont owe!!! Its ridiculous how much they have tried to scam and get over on working citizens. I have included all previous paperwork along with what I recently received. I would this issue resolved indefinitely. I want Ally to give me my title. I would like this off my credit report and more updated paperwork from Ally stating they no longer hold ANY interest whatsoever on my vehicle.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

There are several things on my credit report that I am noticing arent mine. Major indicators are the following : In XXXX, identify theft occurred at a local level. In XXXX, a women started using my social security as her employer to get unemployment and other compensations. XXXX it was reported that I was connected to receiving social security benefits. I am not. Several times on identity questions and credit concerns a mortgage shows up
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXXXXXX, Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. In addition to that, the accounts shown in the report show very clear inaccuracies and therefore I formally request that they be eliminated.
Consumer complaint received 2024-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

I paid this card off in XX/XX/2024 and havent used it at all recently. Out of nowhere, my credit score drops, and I receive a letter saying I owe money! They charged me a fee that I never consented to and then started adding interest on that fee they imposed. To make matters worse, they reported my account as delinquent to the credit bureaus! I havent even used the card! If they dont stop charging these fees and remove the false report submitted to the credit bureaus, I will pursue legal action.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have been reporting an invalid account on my Experian credit report since XXXX. An XXXX XXXX XXXX XXXX has been reporting {$2400.00} debt on my credit report since XX/XX/XXXX. Experian has not removed the account I have no knowledge of. Experian hasnt provided me with no proof or evidence this account is even mine. Each time I dispute it, within a week or 2 it comes back as updated and continues to be on my report. I am so close to finally buying my first home and this account XXXX XXXX XXXX XXXX on my credit report is the only thing holding me back. An account I have no record nor knowledge of. Experian did not and has not done their part in following FCRA. Experian has now made it to where I cant dispute the XXXX XXXX XXXX XXXX and rejects my dispute. On XX/XX/XXXX Experian let me dispute the account again. Litterally opened the dispute today and closed it in the same day! How is that fair or following FCRA rules. I have sent letters, I have disputed it digitally. I just want this to end.
Consumer complaint received 2023-01-18
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ha

s 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : 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  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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (GA)

To Whom It May Concern, I am writing to dispute inaccurate information on my credit report. I have reviewed my credit report and identified a repossession entry that I believe is incorrect. Please investigate the following account and remove it from my credit report immediately for violations : Account Information : Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX. Incorrect Repossession Date : The date of repossession listed on my credit report is incorrect. The correct date is [ Correct Date ], which can be verified with the attached documentation. 

XXXX. Settled Account : The account was settled prior to the repossession date. I have attached documentation proving that the account was settled and should not have been repossessed. 

XXXX. Voluntary Repossession Agreement : The repossession was voluntary, and I had an agreement with the lender that it would not negatively impact my credit report. Attached is the agreement documentation. 

XXXX. Lack of Proper Notice : I did not receive the required notices of default and intent to repossess as mandated by state law. I have included my correspondence records with the lender showing the lack of proper notice. 

XXXX. Breach of XXXX : The repossession involved a breach of peace, making it illegal under state law. Attached are affidavits and police reports documenting the incident. 

XXXX. Incorrect Balance : The balance listed on the repossession account is incorrect. The actual balance was [ Correct Balance ], and I have included supporting statements. 

XXXX. Procedural Violations : The lender did not follow proper legal procedures during the repossession process, such as failing to provide notice of sale or selling the vehicle in a commercially Remove this repossession from my credit report. I expect a response within the XXXX investigation period as mandated by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Block, Inc. (CA)

On XXXX XXXX 2023, I used my account on XXXX to charge my wife a necklaces. I paid XXXX dollars extra to get order within 5 to 8 business days. When the 8 business day came, which was XXXX XXXX 2023, I contact company who I ordered from, ( XXXX ) spoke to the same lady XXXX different times before talking to manager to come to the conclusion I wasn't getting my order. I then knew it was time to reach out to XXXX, as I did. XXXX told me in my email they would contact me within 24 hours. They since then fail to do so. The payment for the order is coming up on XXXX XXXX 2023, they expect me to pay for something I don't have. XXXX also going to lower my credit limit and report bad to my credit if I don't pay the payment that is due XXXX XXXX 2023 for something I never got! I never been late on my payments and has build my credit with them. I don't want it damaged and I don't want retaliation against me because XXXX doesn't want to do they job, which is to Investigate they XXXX who they have a contract with for they customers to change off they XXXX account. Order number is XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/2022, I purchased a flight on American Express XXXX from Washington DC to XXXX XXXX ( AMEX XXXX Trip ID XXXX ; Confirmation : XXXX ). On XX/XX/2022, it became apparent that the flight I booked was significantly further away from the resort I was to stay at than expected. I called American Express XXXX on XX/XX/2022 to fix this problem by switching my flight to remove the second leg of the travel so it was only XXXX to XXXX ( direct ). When talking with the employee, I explained the situation and was informed that I could ONLY change the reservation and there would be a {$100.00} fee associated with this. I said that that is OK as I purchased the Gold Protector coverage for the flight for these types of situations. When the agent came back on the line he informed me that the cost would be ~ $ XXXX to change. I told him that that solution made no sense as I could cancel my ticket, pay the {$100.00} fee and use the remaining airline credit to re-book the flight for ~ {$50.00} overall. The agent proceeded to tell me that if I cancelled I would lose everything and would not receive a credit for future use. I proceeded to tell the agent that that was not correct and that I was looking online and could clearly see that I was eligible for a credit. Once again I was informed that I could only change the flight and not cancel it. After over XXXX minutes of holds and going back and forth, I finally talked to a supervisor that said I WOULD receive a credit for future flight however due to the extended time talking with the prior agent the flight that I was looking at on AMEX XXXX had increased by ~ $ XXXX ( when accounting for additional taxes and fees ). 

This is unacceptable. At this point I want my flight canceled and my Member Rewards re-deposited back into my American Express Account. This was the first and last time that will use Amex XXXX for my needs due to the sheer ineptitude I encountered from the first agent that wasted over an hour of my life. 

On XX/XX/2022, I filed the above XXXX  complaint to American Express ( Complaint : XXXX ) and as of today I have not heard from American Express on this matter and am escalating to the CFPB due to this.
Consumer complaint received 2023-05-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please review and I urge fallowing errors, inconsistencies, inaccurate and omissions I was able to find on my reports According to the FCRA you must have the most possible accuracy As shown clear is and apparent that this doesnt meet the standard required under the FCRA The data of last delinquency is required to be shown and is not showing in this report Please delete this account as it violation of FCRA The account field is inconsistent as although this is just one account credit bureau are showing different numbers TransUnion shows the account number with 4X appended to a number and XXXX is also showing an account with the 10 X appended As I can not validate the account or multiple accounts According to the XXXX you it is required field and should show the individuals complete and unique account information from the file This can not meet the requirement of maximum possible accuracy please delete the account The Last Activity Field is XXXX  XXXX this is just one account Credit Bureau are showing different dates TransUnion shows XXXX and XXXX is showing XXXX I am not sure how a single account can have different dates for the last activity field wouldnt any notation of last activity I dont think this is a stay well or meets the FCRA standards retro obtained maximum possible accuracy Please dele this account The high balance Field is inconsistent as although this is just one account the Credit Bureau are showing TransUnion shows XXXX and XXXX is showing Blank Please send me a explanation as how a single account can show different values Something called high balance should be the same Please delete the account The payment history information field needs to be investigated and either completely fixed or this account should be removed in its entirety TransUnion is missing All payments information from the date this account was opened in XXXX This means my account could miss 5 years of excellent credit history Your own internal and industry accepted guidelines both rely both all accounts to be reported at least one every 30 day Experian I noticed after you start reporting on this account there was a missing data Any missing data is a violation of FCRA as the information affects my score Please investigate the data for the following months that are missing information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Payment History is XXXX  I was 30 days late on XX/XX/XXXX I dont have any records showing this Please remove the account unless you can see me something proving I was in fact late on this account
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-27
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. (NJ)

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Omni Financial Corp. (FL)

they updated a old account. last payment was XX/XX/XXXX account was past due since XX/XX/XXXX not XX/XX/XXXX. they updated account to new status to affect my credit. that new status should be remove from my credit file.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONRAD CREDIT CORPORATION (AR)

My credit was pulled for a home loan and there is a collection account that shows paid on my account. I have disputed the account with the credit bureaus and have been told the account came back confirmed. I have reached out to them and can only tell me they purchased the account and have very little back up.
Consumer complaint received 2022-06-17
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. (AZ)

In accordance with the fair Credit reporting act XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.