davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX CARD XXXX
Consumer complaint received 2022-08-11
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I purchased a vehicle in XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX. I notice problems with the vehicle. After mutiples failed service appointments, I retained a lawyer who classified this vehicle as a Lemon under California Law. In XX/XX/XXXX, XXXX of XXXX deemed this vehicle unsafe to drive and issued a recall notice. See attached. Letter. I received a Settlement from XXXX of XXXX for my troubles and I has the car returned. As of this date, this account still appears on my credit report and also reporting as a repossession. I wouls like to request this line removed from all three credit bureaus as soon as possible as it was agreed upon with XXXX XXXX XXXX XXXX XXXX XXXX. Elclosed are the letters. On XX/XX/XXXX settlement was finalized.
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (FL)

vehicle was purchase in XX/XX/2017 right away the vehicle had problems with alignment. caravana offered to have it fixed. once the car was fixed and week later the same problem occurred along with other issues that were identified when the manufacturer XXXX found in diagnostic. bad motor mount, ac issue, alignment, bad differential, bent rims. appeared as if car was in accident vehicle has multiple recalls, for transmission issues, motor mounts, a/c and also over heating issue in the engine. we tried to return the car after the 3rd time it had to be taken back for the same issues, yet the caravana manager XXXX or XXXX denied the return of the car alleging that it was not able to be return because it wasn't in the time scale to be returned when we call we had let them know if the issue persisted the car was going to be returned, all this occurred right after receiving the car and they were notified as they had to payment for a rental car. they ignored our calls and emails.. we were literally begging them to take the car back when we shouldn't of had to. they are having false advertisement/propaganda they will use any reason to get out of returning a bad car. at the time only thing we were able to do was retain a lawyer and filing a lawsuit against them but we did not have the XXXX it require to take the step. the car today has over heated, the vehicle has a recall for that. yet XXXX dealer ship wanted to charge for the repair or even to look at the car. at this point the car needs to be returned due to extensive issue that are not repairable.
Consumer complaint received 2019-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Account has been closed by XXXX a long time due to an issue with payment and the faulty camera they provided. XXXX closed credit account in 2015. They transferred file to a third party. They are still claiming that account is open and they are still reporting missing payments which is innacurate. Account is no longer open. See account status : XXXX : XXXX XXXX XXXX reporting inaccurate information is PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-08-11
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. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2022-08-11
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00}
Consumer complaint received 2022-08-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Account : CAP ONE XXXX. If you claim this account is XXXX XXXX accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I used my Wells Fargo debut card at a third party atm for {$200.00} plus a {$7.00} transaction fee in mid XX/XX/XXXX. The atm declined my transaction and stated i had reached my daily limit for withdrawals. Upon checking my online banking on XX/XX/XXXX, my account statement showed that I had been debited for the {$200.00}. I filed a claim with Wells Fargo and was given a credit several days later. Roughly a month later I received a notification that the credit had been made permanent and their investigation was decided in my favor. On XX/XX/XXXX, {$200.00} was debit from my account and Wells Fargo is now telling me that theyve decided that Im responsible for the transaction. I received no notification of any reversal. No letter in the mail, no electronic notification of any kind. Wells Fargo does not honor their policy of account protection and has told me that its now my responsibility to go after the ATM owner. Its also worth noting that at the time of this transaction, Wells Fargo was experiencing severe atm issues and double debits were happening frequently. The company corrected the majority of those, but they take no responsibility for this error.
Consumer complaint received 2019-01-21
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: Clarity Services (WI)

I have been receiving emails from XXXX XXXX about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have Clarity service on them. Contact was made and to no aveil nothing has been done to stop it.
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AL)

I opened a Lowes store card around XXXXXX/XX/April2018. When I used the card I accepted the promotion no intrest for 24 months along with military discount. I called in in XX/XX/2018 to have the due date changed from the XX/XX/XXXX to the XX/XX/XXXXand to have the credit card security removed only to later find out that the due date was never submitted and the security was not removed. I didnt think to check behind the representative the following month because she said it had been completed. Only to speak with another representative today to find out Im still being charged an interest fee and a security fee. I also requested to close the card and the representative refused to close the card and insisted I pay the card off first and call back at a later time to speak with someone at the security department.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. I was never late on this account on XXXX. Balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 



XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I RETURNED A DRESS WHICH THEY DONT HAVE A RECORD I DO NOT OWE THIS AMOUNT MY BALANCE IS A XXXX THEN IT WAS SENT TO COLLECTIONS. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

I have submitted multiple disputes to Lexis Nexis and they have failed to investigate those disputes or even respond to them. They are in violation of the FCRA and the TX XXXX XXXX. 

My Lexis Nexis reports contains multiple inaccuracies to include email addresses, phone numbers, public records, and outdated information that is well beyond the 7 years in which it is allowed to report. They have continued to report this inaccurate information for over a year now violating my consumer rights. Additionally, they have provided information to insurance companies that is inaccurate. Fabricated accidents and claims have caused me to have to pay significantly more in premiums. Lastly, they are reporting this information or verifying this information with the major credit bureaus causing issues for me to get approved for credit. 

When I resubmitted the dispute, they asked for a copy of my driver 's licenses which is not required to dispute inaccurate information. It was provided to them ; yet the disputes were never processed. 

Failure to validate the information disputed within 30 days, the information disputed MUST be deleted I have confirmed that the information is still reporting.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

We have paid Care Credit and met the minimum due for XXXX, XXXX, XXXX. Unfortunately, payments were going to an account Synchrony had CLOSED due to inactivity during initial Covid lockdown. I realize the mistake ( automatic bill pay routed incorrectly ) is on our part, however we phoned Carecredit/Synchrony after each late charge and they could never figure out that we were paying the wrong account? Meanwhile, a credit kept accruing on a closed account for XXXX payment cycles. 
All I am asking for is a that they waive all three of the late fees as they received money from us by the agreed upon date in the required amount. I think this is an excessive price to have to pay for a simple mistake.
Consumer complaint received 2022-08-10
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. (CT)

In accordance with the Fair Credit Reporting act, 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 2022-08-10
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. (NY)

Put in a dispute to Experian about a XXXX  account charge XXXX XXXX  was told we had poor service and to cancel account we had to switch to XXXXXXXX XXXX XXXX to get service needed paid fo service requested by me there representative told me phones were free fo trying their service XXXX XXXX XXXX XXXX at XXXX apiece if you buy at XXXX
Consumer complaint received 2022-08-10
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 Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-08-11
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. (SC)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my vehicle, which was stolen and subsequently repossessed without any notification or assistance. XXXX is currently threatening legal action against me, demanding that I pay {$16000.00}, despite the fact that my vehicle was stolen and I made repeated efforts to recover it. 

In XX/XX/year>, I discovered that XXXX, the towing company that had my vehicle, had been hiding it from me despite my multiple attempts to contact them. My father finally reached them under the pretense that he had funds to retrieve the vehicle, at which point XXXX stated that I owed {$11000.00} to get it out. I also reached out to XXXX multiple times to seek help in recovering my vehicle and my personal belongings, but they refused to assist in any way. 

XXXX did not notify me when they repossessed the vehicle from XXXX and failed to provide any paperwork concerning this repossession. When I called XXXX last week, they informed me that they do not issue documentation for vehicles that have been reported stolen. I find this to be an unacceptable response, especially considering my vehicle was stolen and I have a claim ( Claim No. XXXX ) with XXXX XXXX regarding this incident. 

I believe XXXX actionsthreatening legal action for the recovery of {$16000.00} while refusing to assist or even notify me of the repossessionare not only unprofessional but may also be in violation of consumer protection laws. This lack of communication and assistance has caused me significant financial and emotional distress, as my personal belongings worth approximately {$30000.00} were left inside the vehicle. 

I kindly request the Consumer Financial Protection Bureaus intervention to investigate XXXX handling of this case and to prevent further unjust actions against me. Any guidance you can provide would be greatly appreciated. 

Thank you for your attention to this matter.