davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

XXXX ; ACC XXXX  XXXX Account Listed As : ( Orginal Creditor : ) ; ACC XXXX  XXXX XXXX  XXXX ; ACC XXXX  XXXX XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX ; ACC XXXX  XXXX XXXX XXXX XXXX ; ACC XXXX  XXXX XXXX/DOFED; ACC XXXX  XXXX XXXX/DOFED ; ACC XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX  XXXX XXXX  ; ACC XXXX  XXXX, XXXX XXXX US DEPT ED ; ACC XXXX  XXXX XXXX  XXXX XXXX ; ACC XXXX  XXXX U S DEPT OF ED/XXXXXXXX  ; ACC XXXX XXXX XXXX ; ACC XXXX  XXXX 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-30
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)

I received information my mailbox was broken into all my personal information was stolen postal inspector validation the situation a I so my identity was taken sone been using my name I called a creditors and all credit co no action was taken on my credit report
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (GA)

Had the parking garage wrongly that charge my card for parking that was supposed included in the rent. The leasing office confirmed this was the case but had to deal with the charge myself because it was a 3rd party. They never responded to a single email and dont answer the phone. I dispute the charge and explained the situation and that I need the charge disputed.

Then I get a call 4 weeks later saying they didnt start investing and that they refuse to contact the merchant because they felt my proof my insufficient. They want a receipt. A receipt for what? A transaction that didnt place. The entire they tried to transfer me to someone else before just hanging up me outright. This is the last time I used chase for anything. They offer no purchase protection. Their dispute department is intentionally rude and that dont care at all about the customers. 

Last time I made a report some guy with a staticky phone, probbally intentionally, asked me to email documents to an email that didnt exist before never following up on it again and no way to call them back. I expect this to be the same. Ive banked with chase since XXXX. XXXX never using their services again. 

If you have a chase on file with someone be careful they dont accidentally charge you for something because their dispute team will do nothing but waste your time before hanging up on you.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2023, I received a notification email from XXXX XXXX XXXX XXXX, my banking institution, informing me that my Zelle account had been deactivated. Promptly, I reached out to XXXX XXXX 's customer service for clarification, only to be informed that Zelle, as a third-party service, was solely responsible for the deactivation. Regrettably, XXXX XXXX was unable to provide any further details or assistance, directing me to contact Zelle directly. Despite my efforts to reach out, I have been unsuccessful in connecting with a Zelle representative, which has resulted in significant frustration. The lack of a proper and transparent process, along with the absence of an explanation for this sudden occurrence, only adds to the dissatisfaction experienced.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I previously notified Equifax that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.
Consumer complaint received 2023-06-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

We had a forbearance and when it ended I filled out the modification paperwork 15 different times. They kept saying that they needed something else. They kept telling me to call back in a week and check the status on the modification. This went on well over a year. They put our house up for sale for forclosure without even notifying us. We found out by someone knocking on our door asking us to quick sale the home to them instead of it being auctioned. They also reported to the credit bureau and our score went from the XXXX 's to the low XXXX 's, They charged us several XXXX in late fees. I finally got them to accept the paperwork and instead of putting the missed payments on the end of the mortgage, they are making us pay XXXX more than what our mortgage payment was. We payed {$780.00} with insurance and taxes included. We are now having to pay {$1200.00}. This is a struggle since we are on a fixed income.
Consumer complaint received 2019-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

RESURGENT/LVNV FUNDING LLC - $ {$2400.00} First Reported XXXX Original Creditor-XXXX XXXX. 
Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, SC XXXX THIS DEBT COLLECTION AGENCY IS REPORTING AN ACCOUNT THAT WAS OPENED BY SOMEONE FRAUDULENTLY. 
ACCOUNT WAS ALREADY DISPUTED WITH ORIGINAL CREDITOR XXXX XXXX  AND THEY AGREED TO REMOVE AND INFORM THE CREDIT BUREAUS. AFTER SEVERAL DISPUTE ATTEMPTS MADE ONLY XXXX  IS STILL SHOWING THIS ACCOUNT ON MY REPORT AND ITS AFFECTING MY FINANCIAL NEEDS.
Consumer complaint received 2024-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (IL)

I am filing this complaint against Professional Account Management , LLC for their failure to provide proper validation of an alleged debt related to toll violations. Despite my request under 15 U.S.C. 1692g, their response only included photocopies of my license plate and a statement of fees, which do not meet the requirements for debt validation. I sent a notice via certified mail tracking number XXXX XXXX XXXX XXXX XXXX. 

Additionally, the company accessed and disclosed my private license plate information without my consent, a potential violation of my rights under 15 U.S.C. 1692c ( b ).

Some of the violations I have noticed from their communications are including, but not limited to : Failure to provide proper validation of debt, including itemized charges and proof of assignment, Unlawful use and disclosure of personal information, specifically my license plate, without consent, and continued collection activity on an unvalidated debt, including failure to cease communication as required under 15 U.S.C. 1692c ( c ).
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-06-30
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)

I reached out to XXXX XXXX about account # XXXX and # XXXX and asked them to delete these inaccurate derogatory accounts. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AutoNation Enterprises Incorporated (CA)

I am in disagreement with the resolution or response provided by CIG with regard to my claims. CIG claims that the XXXX XXXX or " XXXX XXXX '' agreement was signed XX/XX/XXXX. However there is a separate contract date that I have been asking them to look into all along as well. About two weeks after the original agreement they had me sign a contract after the one provided stating that " the Finance Company '' assuming CIG had changed some of the terms. They indicated that I would receive a copy of the new one in the mail yet nothing was ever received. At the time I had no reason not to trust these finance people of any of then for that matter since I had already taken the car home about two weeks earlier approximately. SOme days after I get a call from CIG saying that my original 1st payment should have been due in the month of but was due XXXX but instead I had insisted. 

Additionally, their response states that they are not required to notify or inform a customer of that kind of action or decision ( repossession ) but yet XXXX XXXX kept constant communication via email to me regarding making a payment and other things but yet somehow this type of information wasn't important to have delivered to me? Its ridiculous to imagine that a loan company would not be obligated or required to notify customers of such actions especially if there is on going conversation via email??? How is that even legal or moral?? Not only did this happen once, it happened twice and she didn't think it important to tell me the status of the delinquency and actions that were about to take place?? 

Additionally, they have never investigated any change in interest rate that I have mentioned or referred to. I am requesting that a record of all notes and interest rate changes or fluctuations since the very inception of this loan be reviewed because something is not right. 

I would also like to know why they have failed to respond to my CFPB complaint filed XX/XX/XXXX as it remains open? Am I lying about that too? There have been clear violations or privacy that things you have done that are against the abusive collection practices and you refuse to acknowledge or even respond. What about the XXXX that has never been provided since you are a debt collector. Is it legal for your company not to respond for years??? 

I have been bringing up your shady business for years now and it all seems swept under the rug and nothing is resolved to my satisfaction nor is anything fair. I have filed other complaints with CFPB and the Ca Dept of Business Oversight, XXXX and the Attorney Generals office about every single one of the complaints that I have brought up to you and has not been resolved satisfactory. Debt collectors abusive acts against customers is unlawful
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-06-30
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)

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had fees charged to me for a low balance, so I called the bank to fix the issue, so it never would happen again. I have XXXX accounts at Bank of America. They actually transferred money from XXXX account to the other, so that the balance would be above the thresh-hold. They actually made the transfer. Since then, the money has never been below the thresh-hold, but they charged me a {$25.00} fee on XXXX account and a {$12.00} fee on the other account. I talked to the bank and they declined my request to reimburse me. It was their error, not mine. I know these are small amounts, but they have taken my money, after they supposedly fixed the problem.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-30
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. (NC)

After going through my updated Credit Report which I purchased from XXXX, since the Credit Reporting Agencies failed to provide a free copy of my updated Credit Report 30 days after the date of my disputes, I am baffled to see that that my Credit File still reported the fraudulent accounts and information on my Credit File. The disputed items remained on my Credit Report end yet the Credit Bureaus have failed to provide me with copies of documents giving the fraudulent accounts the rights to continue their erroneous reporting. Let me remind the Credit Bureaus that under the FCRA section 605b, any and all fraudulent accounts must be removed from a consumer 's Credit File if not proven to be accurate. I have been disputing these accounts for 4 months already and yet the Credit Bureaus have not provided a single document. This action is a clear neglect of duty and responsibilities. I am submitting this Complaint to demand to the Credit Reporting Agencies to remove the disputed accounts off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00}. Not only that the Credit Bureaus did not send me a copy of my updated Credit Report, they have not sent any documenst supporting such misleading claims. I demand the deletion of all the fraudulent items completely from my Credit File.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.