davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
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)

The term " investigate 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, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, 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. (LA)

XXXX XXXX XXXX  did a hard inquiry on my credit for a credit card and I did NOT apply for it or any other cards.
Consumer complaint received 2023-03-19
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: DigniFi (FL)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C 1681 section 602 says " 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 ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose '.
Consumer complaint received 2022-06-21
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. (FL)

The term " investigate 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, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CT)

I leased a vehicle from Chrysler Capital in XXXX. My lease was scheduled to expire at the end of XXXX. I did terminate my lease agreement approximately five months early since Chrysler Capital would not let me purchase the vehicle. When I returned the car, I was expressed by the dealership that I would receive paperwork in the mail of what my XXXX total would be to Chrysler Capital. Unfortunately, still to this day, I have never received the final bill. I have contacted Chrysler on numerous occasions by phone and by mail to attempt to retrieve my final balance. Chrysler Capital reported it positively on my credit report for many years, even though I did not make a payment past XXXX. I hired a third-party legal team to attempt to contact Chrysler Capital XXXX I believe that since I hired a third party, Chrysler Capital decided to reverse the information they were giving to the three credit bureaus and report negatively and then turned it into a collections account within two weeks. XXXX XXXX and I have made numerous attempts to contact Chrysler Capital to rectify the situation and pay the balance. They have chosen not to reach out to me ; they have never given me a final bill. They've never even given me the estimate of what the car was sold for after turning it in. I received a notice from Chrysler Capital stating that they added a {$420.00} charge to a closed account. There is no further explanation in the letter. Just for merit, they are charging me {$420.00}. I don't know what else to do, but this company thus far has made it extremely difficult to have any future ties or business dealings with them. I am hoping by shedding light on the situation, and somebody could bring clarity to a stressful situation I have all documentation for everything stated in this statement.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

So on several occasions navy federal has charged me overdraft fees when I had sufficient funds in my account. I would even call and let them know like hey there shouldnt have been a fee because at the time of the purchase I had the sufficient funds. They would just say well it posted late so you still have to be charged and overdraft fees. This has happened several times. I have been with navy federal for several years. I enrolled in the OOPS program. I thought it would genuinely help but in all actuality they literally charge me a bunch of overdraft fees when its not necessary. Then when you try to speak with a supervisor they just give you the run around.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I need to remove all addresses and jobs off my credit report. Those are not my address or jobs. My name is XXXX XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. My job is XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 States I have the right to privacy
Consumer complaint received 2022-06-21
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 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 an account without my written instructions. 

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IN)

On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in Shellpoint 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that Shellpoint made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to Shellpoint re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to Shellpoint via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.
Consumer complaint received 2022-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (TN)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX in XXXX, TN. The day I purchased said vehicle, I was told I had 7 days to return the vehicle. When I showed up on the 7th day, I was told I only had 5 days. The reason I want to return the vehicle is because it has been deemed unsafe to be driven on the road by THEIR warranty company ( XXXX XXXX ) after sitting in the repair shop 2 months. Their attorneys finally agreed to swap out vehicles, only if I did not get the new one inspected before signing the contract. Once I was told this, I left the vehicle on the dealership lot until an agreement could be made. After all, if I drive the vehicle and something happens that involves another driver, I will be held responsible due to driving an unsafe vehicle. The vehicle has been sitting on their lot ( all but this last payment paid with full coverage insurance ) since on/around XX/XX/XXXX. I have not heard from Bridge restXXXX since on/Around XX/XX/XXXX. I have also filed a complaint with the XXXX but Bridgecrest 's responses were not the total truth and I have since not heard from the XXXX  I need to return this vehicle and get all monies returned. If at all possible, the insurance fees would be appreciated too. 

I work rotating XXXX XXXX XXXX at a XXXX XXXX. This prohibits me from talking on the phone most days due to most offices being closed. If possible, I would appreciate a scheduled called from a representative on a day off.
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Consumer complaint received 2022-06-21
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (CA)

Although my number is private and I have only had this number a few years and know who I have given my number to including for business, relatives and friends, a company called First National Collection Bureau XXXX, out of XXXX, Nevada recently tried to contact me using a spoofing technique which should be illegal if it is not, using different area codes and seemingly fake phone numbers that showed on my caller ID in order to try to get me to answer the phone by I guess hoping they would trick me into thinking it was someone I know from my home area calling me because they were using area codes and prefixes from the area in which I live and when I tried to call the numbers back they were not. working numbers. They also sent a number of unwanted text messages regarding a debt that was not correct and that I dd not owe. 

After eventually answering to see what they wanted, they also seemed to ignore what I told them on the phone about disagreeing with this debt and not owing it and that it was past any statue of limitations to collect, they seemed to pretend like I did not give them an answer or response on the phone, because they later sent a letter to my mother 's home who is XXXX years of age harassing her in which they asked the same questions in the letter and asked me to reply by phone or mail or they would consider it a legitimate debt, although I had already told them over the phone that is was not legitimate and told them that I did not owe this debt they were asking for. I also told them that it had also been over 7 years and therefore past the statue of limitations to collect which they should have already knew, so I did not understand why they were contacting me anyway, other then to try to rob or take advantage of me, so they were doing nothing harassing me and by sending this letter to my moms home harassing her as well because she opened and read it to me over the phone which upset her. 

As of today, I seemingly have also started to receive calls from this company again using fake phone numbers and different area codes as I had stated above. 

I also found out that the letter they mailed, they had changed the date on the letter from what they told me on the phone to XXXX of 2016 instead of what they originally told me on the phone of it being XXXX of 2016, but either way it is past the statue of limitations. 

I had also informed them that this issue with a credit card company that originally contacted me about this debt over seven or eight years ago had already been settled, so again I did not understand why they would have this information or be contacting me about it unless they are trying to trick or scam me to send them money.
Consumer complaint received 2022-11-01
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2024-11-02
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX 2024 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 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX - XX/XX/XXXX {$430.00} BoA asked me pay this amount which are not purchase those XX/XX/XXXX - XX/XX/XXXX {$3800.00} XXXX XXXX will close this account for fraud but I want to make sure
Consumer complaint received 2024-11-06
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX XXXX XXXX  pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Hello, I sent a letter regarding the below referenced accounts over 30 days ago on XX/XX/2022 via certified mail. I have not received any bill or proof stating that I owe these accounts. The companies listed below have not sent me anything regarding these errors in billing and reporting on my credit file. Please have these INACCURATE accounts deleted ASAP. 

XXXX XXXX XXXX XXXX ARS ACCOUNT RESOLUTION {$960.00}