davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (CA)

Dear XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXXXXXX XXXX XXXX  XXXX, CA XXXX 3. XXXX XXXX : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2015-05-12
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I was written a check by a member of Chase bank. I went to Chase to cash the check and was told there would be a {$6.00} processing fee to cash the check as I was not a customer of theirs. Why would it matter if I am their customer? I 'm holding a promissory note on their paper from one of their customers who obviously is using that bank to store their money. They ca n't even be concerned about cashing a check with insufficient funds, as obviously they can check the account to see if the funds are available. I simply do n't see the logic behind this new fee other than to try to get more money out of the average person. And why would I want to open an account with a bank that wants to charge me money to cash their own checks? How does that make good business sense?
Consumer complaint received 2023-06-14
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: LEXISNEXIS (FL)

I received a letter from Lexis Nexis dated XX/XX/2023 in regards to a dispute submitted in XX/XX/2023 via CFPB. In my dispute I requested that XXXX to provide me with the source it used to verify the completeness and accuracy of this bankruptcy record reporting on my credit file. It was discovered that Lexis Nexis was the data source for this record according to the attached letter. Lexis Nexis used it's internal source ( Lexis Nexis ) to verify the completeness and accuracy of this record, however according to the attached consumer report sent by Lexis Nexis does not include any bankruptcy record. Lexis Nexis has violated the FCRA by reporting unverified information to XXXX. Additionally Lexis Nexis has violated my privacy by releasing my personal non-public information without my written consent. I demand that Lexis Nexis remove this record from their internal database and to update any suppression reports. I demand that they cease the reporting of this information to XXXX.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (DC)

I was denied credit and I paid for a complete credit report and score equia fax and Experian refused to give me a score when I was denied credit and they refused to up date my score when I got a loan from XXXX XXXX for a car to keep my score low and preventing me from getting additional credit.
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: TMX Finance LLC (TX)

I got two different letters in the mail saying my information was found in a data leak. I then got alerts on my credit report from XXXX  saying my information like social security number and driver 's license was found on the dark web. The same bank account I got the transfer from title max from was then stolen shortly after. I told them many times I needed help and they told me it was a XXXX percent and its way over XXXX percent. They offered me credit repair and that's it. They keep saying they don't have fax and to talk to corporate I filed a police report and tried talking to them about fixing my credit and they won't help with anything they keep saying I'm late when I haven't been.
Consumer complaint received 2023-05-15
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. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-15
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. Account name : 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. Delete this accounts
Consumer complaint received 2015-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

Addresses in XXXX and XXXX are not mine. I had an Ex wife in XXXX and my son in XXXX. I have lived in XXXX all my life. I lived in XXXX. for almost 40 years and in XXXX. for the last 15 years. Please remove these addresses from my Credit Report.
Consumer complaint received 2023-05-15
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)

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 Account Number:XXXX  Account name : DEPT OF EDUCATION/XXXX Account Number:XXXX Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX  XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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 2024-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

To Whom It May Concern, I am writing to complain about an issue with my direct deposit. I have not been able to retrieve my paycheck because it was sent to an incorrect account, and despite efforts to resolve the issue, the problem remains unresolved. 
Details of the Issue : The supposed account information of where my money was sent : Account # : XXXX or XXXX Routing # : XXXX Direct Deposit Information : Employer Name : XXXX XXXX XXXX XXXX XXXX. 
Date of the Payment : XX/XX/XXXX for a XX/XX/XXXX check date Amount of the Deposit : {$470.00} A trace number provided by the issuer : XXXX XXXX is what youll see on your bank. The payroll provider is XXXX Despite my employers attempts to correct the issue, including initiating a payment trace, I have not received my funds. The bank ( XXXX XXXX XXXX ) claims the account numbers provided do not exist, yet no one can explain where the money has gone or how to recover it. 

Actions Taken : I have contacted both Venmo ( which processes my direct deposits ) and XXXX XXXX XXXX to resolve this issue. Venmo has been unable to locate the funds, and XXXX XXXX XXXX has informed me that no such account exists. 

My employer has also attempted to trace the payment and reverse the XXXX transaction but has been unsuccessful in retrieving my paycheck. 

I have also reached out to my banks support team and Venmo customer service multiple times, with no resolution to date. 

If you would like an even better understanding of my issues contact my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (IL)

Last year I had a computer stolen, all my information was saved on the computer all my personal and password information. I am writing about all the inquires that I did not do. These are all that I do not have any credit with and would have never contacted them. they are listed here these are the ones from the Eqifax credit reporting bureau. I listed them here by the company and the date the Inquirey was made. 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 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 XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do not have any creditors by these inquires and as you can see some are made twice in the same day.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. ()

Under the Report published by Sterling regarding my background screening check, there is information about my name appearing in Criminal Records Database. However, the records are not verified and I am not aware of any criminal proceedings against me in the past and I am not aware of any details of the Cases mentioned. 
i would like to mention that it is not ethical to put up a record in the report without identifying information about the mentioned case and if such published information is accurate. By reporting false information which is mentioned in the public database without verification creates prejudice and can harm my reputation based on the information presented and not a factual representation of the Fact. 

I am not aware of the details of any information provided which is not verified by the competent authority and neither there is a detailed report to show that the information is correct representation as presented in the report. The information provided is hence damaging my reputation and could cause financial damage in long run.
Consumer complaint received 2023-05-15
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. (GA)

ENOUGH IS ENOUGH NO MORE TAKING ADVANTAGE OF XXXX PEOPLE!! I AM EQUAL AND NOW I HAVE THE RESOURCES TO FIGHT BACK! XXXX PEOPLE ARE EDUCATED TOO!!! I am writing to express my deep concern regarding the violations of my rights under the Fair Credit Reporting Act by the consumer reporting agency in question. Specifically, the agency has included adverse information on my credit report in addition to furnishing inaccurate information to other consumer reporting agencies they have failed to REMOVE/DELETE accounts that were the result of identity theft, even after I made written request instructions to do so that emphasized that my request was not made in error and was not based on any material misrepresentation of fact on my part. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 I am hereby sending this notice to express my intent to sue for violation of the Fair Credit Reporting Act. I demand that the agency takes immediate steps to block and delete the inaccurate information from my credit report, and to remove the accounts that resulted from identity theft. Failure to do so will result in legal action, and I am entitled to statutory damages of up to {$1000.00} per violation.

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 2017-01-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

I have sent several written requests for VALIDATION of the bankruptcy shown on my credit report. No validation has been sent to me, yet they insist it has been verified and will not be reinvestigated. On XX/XX/2017 @ XXXX I called Experian and spoke with XXXX ( dept. # XXXX ) and asked HOW they verified it. He said they have people who to the courthouse to review records. I asked for a copy of the record they got. He then backtracked and advised they hire a third party company to go to the courthouse and review the records. I again asked for a copy of the report they provided with the documentation. He stated there was none, everything on their report is on my report. I stated I wanted to see the documentation they were using to place the information on my credit report. He stated they do not keep paper records. I asked for a copy of the report from the third party vendor that he was looking at on his computer. He said there was not one. I asked if he could at least provide me with copies of the documentation from each of the credit card companies that they verified all the accounts they have listed " discharged via bankruptcy ''. He said they have another department " verify '' that with the credit card companies. I asked if THEY could give me copies of proof they validated. He said they could not. Lastly, I advised that I had notified them on several occasions that they were incorrectly reporting my mortgage as " discharged via bankruptcy '' which is not true. It was sold to another mortgage company and I sent them a letter I obtained from the new mortgage company stating same - and they still have not removed it from the report. He said he does not see a copy of a letter in his computer so he can not remove it. It is shameful that these people are ruining lives by limiting access to credit using incorrect information! They clearly do not verify or validate anything I have disputed - they look it up on their computer and say " Yep, it 's verified '' and move along. I asked XXXX how they could write a credit report with all this harmful and incorrect data and can not even provide me with proof that they validated the information. He flat out had no answer. I have sent them proof that the address for the mortgage they are reporting as discharged is incorrect, that XXXX does not even have an account for me any longer and they still have not removed those items either. Is n't reporting incorrect information punishable by a fine for each offense? Should n't they be able to provide proof via legal documentation and means of the Bankruptcy and associated credit cards showing as discharged? Please take them to task and make them do what 's right and delete negative items that they have validated. Thank you.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX acct # XXXX for the date of last activity, payment history, status, high credit and the dispute was returned verified. I have included the excerpts of my credit reports showing how these accounts are reporting.
Consumer complaint received 2016-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (OK)

ACS is incorrectly reporting XXXX late payments on my credit report when my account was supposed to be in deferment or forebarance. I have asked them to provided proof of the late payments and they have failed to comply with my request.
Consumer complaint received 2023-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Group Inc. (OR)

I purchased a vehicle on XXXX, XXXX, XXXX after being in an auto accident on XX/XX/2023 and finally being paid out for my car. I found a vehicle through XXXX XXXX XXXX XXXX in XXXX, OR that I was pretty sure I wanted after speaking with the salesmans wife via XXXX messenger for a couple days. On that Friday the XXXX, I took my XXXX XXXX XXXX and XXXX XXXX XXXX in a rental vehicle for the 2 hour drive to see the vehicle. We arrived at the car lot around XXXX. I test drove the car and decided so was going to buy it. One of the salesmen there discussed my down payment amount as he entered my information into a computer and discussed what he was doing with the sales manager. I told him I wanted to put {$2000.00} down on the vehicle and if I absolutely had to then I could put {$3000.00} down. He said with {$3000.00} down my payments were going to be about {$300.00}. I told him that amount was too high for me. He stated because it was a Friday and the evening that the amount could change since he is unable to get final approval from a finance company due to them all being closed. I then went in with the sales manager while my XXXX kids were destroying their office and went through the paperwork. He said that my payments were showing {$300.00} but once they got ahold of the finance company then they would have the for sure amount. So they took my {$3000.00} and I left with the new car. I then did not receive any notices from XXXX XXXX in the mail only a text that said everything was taken care of. I then a few weeks later received a notice from United Finance in XXXX, stating that my loan contract had an error and that they were changing my payment due date to the XXXX of each month and I needed to sign that paper and send it back. Then I received a notice that I needed to provide my insurance info to them. I was never told that United Finance was the company financing my car sale. I received no notice or contract showing the terms of my loan with their company being named on it. No address/email/website to submit my payment to. No account number. They then put my vehicle in to be repossessed but I dont have documents showing that they are named anywhere as any part of my financing, when I talked to them they said they hadnt heard from me except when I sent them messages in their website under their contact me tab, but she stated that their company has no email, and they couldnt respond to my messages. I then asked for them to provide me with a bill showing the total amount due on my account with my name and account number and whom I was submitting my payment to and they said that they dont provide that. So Im supposed to blindly send money to someone who wont even provide me with a bill and no I have no vehicle since it was repossessed and taken to a holding lot 3 1/2 hrs away.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (NC)

Conserve debt collection agency appeared on my credit report, reporting a balance of {$4200.00} that is allegedly owed to XXXX University. I disputed the account with the XXXX major credit bureaus and received a letter from Conserve, as notice of completion of their investigation and determination of verification of the alleged debt. 
The letter includes a financial statement that lists the charges and payments that the University allegedly imposed and collected. It also lists a charges total of {$10000.00} and a payments total of {$10000.00} and a balance of {$0.00} ; also included in the letter is an admission and enrollment agreement. 
The letter does not validate the accuracy of the alleged account or the amount of the alleged debt. The financial statement shows there are inaccuracies in accounting and the alleged account 's financial statement does not show transactions that would validate the alleged date, nor does it provided any information that would validate the alleged amount of debt.