davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account.
Consumer complaint received 2022-11-13
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: SANTANDER HOLDINGS USA, INC. (FL)

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer Santander. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed Santander reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Consumer complaint received 2020-03-05
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. (AL)

I've been trying to resolve the multiple hard inquires on my credit report that I did not authorize. Ive recently put a freeze on all 3 credit reports because my information has been used to apply for auto loans, cash loans, credit cards, etc without my consent. The Credit Bureaus ( XXXX, Experian, XXXX  ) are neglecting to address and verify the inquires properly. Ive tried contacting the creditors and they all informed to me directly dispute with the credit bureaus however they are not willing to work with me. The representatives have been very rude and some have even hung up on me. This has been an extremely stressful experience and I just really want this resolved.
Consumer complaint received 2022-08-31
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. (MO)

I am submitting another CFPB complaint today to request the Credit Bureaus to remove the accounts and information that resulted due to identity theft. After receiving an updated copy of my Credit report, I immediately noticed that the previously disputed fraudulent items are still reporting on my Credit Report despite the numerous dispute letters I have been sending to the Credit Bureaus. I have read that under the FCRA section 605b, the Credit Reporting agencies are required to remove the accounts and information that the consumer identified as item resulting to identity theft. The letter I sent on XX/XX/2022 has complete attachments of my personal identifying documents, the ID THEFT REPORT I received from the FTC as well the FCRA section 605b. I am requesting the Credit Bureaus to remove the following items completely from my Credit Report as soon as possible : 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. If the Credit Bureaus claim that the items in dispute belong under my name, I need the Credit Bureaus to provide me copies of proof of verification.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I submitted a demand to update the payment history on My student loan according to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Department of ED/XXXX** ) such authority.
Consumer complaint received 2020-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (CA)

CREDENCE RESOURCE MANAGEMENT has refused to remove a {$360.00} collection on behalf of XXXX XXXX for alleged unreturned equipment which HAS in fact been returned to XXXX XXXX. XXXX XXXX gave instructions to take the equipment to XXXX which I did and received an RMA from XXXX XXXX XXXX XXXX on XX/XX/2019. The RMA was XXXX. CREDENCE RESOURCE MANAGEMENT has been provided with that information but is ILLEGALLY REFUSING to remove the collection. 

This HAS been disputed with XXXX and XXXX and CREDENCE lied to both of the Credit Reporting Services stating it is still accurate ( and disputing my return of the equipment ).
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I moved to a different state and did a change of address when I did the change of address I started getting bills from debt collectors for credit cards that I was not aware of. I never applied for a credit card so when I got in touch with them, they said it was my account and I told them I never applied for it. I did a police report for fraud. I sent it to them did everything they asked me to do but still its on my credit. This needs to be removed
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITY NATIONAL BANK (DE)

I made a {$150.00} at XXXX for a car rental reservation using a City National Bank credit card on XX/XX/XXXX for travel date in XX/XX/XXXX. I cancelled the reservation late XX/XX/XXXX and the merchant promised to issue a refund. I reviewed my account and could not locate a refund on my account and proceed to initiate a chargeback through City National Bank on XX/XX/XXXX. A phone agent took my information for the chargeback dispute. I received a letter on XX/XX/XXXX from City National Bank stating they will not able additional assistance to resolve the matter and stated the dispute was received more than 60 days after the transaction first appeared on my statement. Meaning since the charge appeared on XX/XX/XXXX, I have no later than XX/XX/XXXX to initiate a dispute. This is a wrong position to take on chargeback resolution as the date for dispute should tie to the expected date of service not the transaction date. Furthermore, Visa allows cardholder to initiate chargeback up to 6 months after the service date and for fraud or egregious cases, there is no deadline to file a dispute. 

I contacted City National Bank on XX/XX/XXXX again and the agent repeat what was stated in the letter and refuse to provide additional assistance. They don't want to help resolve the matter and suggest I suggest the merchant for additional assistance. 

City National Bank does not understand chargeback rules and procedures and deflect responsibilities. City National Bank is obligate to provide payment dispute resolution even though I have cancelled my account with them 3 months ago.
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (MI)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit report act whenever consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter asking them to reinvestigate those accounts listed below XXXX XXXX XXXX XX/XX/year> open date is not reported correctly date last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XXXXXX/XX/year> open date is not reported correctly date of last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XXXXXX/XX/year> open date is not recorded correct date last active of last payment is not correct this account is not accurate
Consumer complaint received 2024-08-18
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. (GA)

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

XXXX XXXX XXXX : # 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-18
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. (GA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2022-08-31
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)

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 is my multiple endeavor to tell Transunion 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. Pursuant to Section 605B of Fair Credit Reporting Act these unknown account must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

This is now my 2nd time demanding a removal of these fraudulent inquires, Experian needs to remove these inquiries they keep failing due to negligence and misinformation : ( XXXX  XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> ) These are the inquires. Ive attached screenshots of the issue. I have RE-ATTACHED the fraud report as well.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC (NY)

Morgan Stanley Home Loans keeps saying they will modify the loan with respect to lowering the interest. Instead, they keep sending repeated forms about being in the military which is not applicable. They have offered no assistance during covid, despite assertions to the contrary, except to require all payments be made in month four. We have excellent history and this lousy company keeps making promises and does nothing to help or keep their word about modifying the interest rate to a more reasonable number. Last call they promised to send information and application to modify and this was third promise. Instead all they send is some form nonsense about military service which does not apply. Please escalate.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Discover ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX Discover, XXXX Discover, XXXX Discover, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX ( XXXX )
Consumer complaint received 2020-08-28
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$680.00} XXXX XXXX  {$130.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$180.00}
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, XXXX XXXX, Experian XXXX XXXX XXXX you are not in compliance with Federal Law 15 U.S. Code 1666b ( a ) ( b ). 

I, XXXX XXXX, am demanding you UPDATE all my payments as ON TIME on my Consumer Report should NOT be any Late Payments for any reason pursuant to15 U.S. Code 1666b ( a ). 

Thanks for your timely response.
Consumer complaint received 2020-03-06
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (FL)

I contacted XXXX university for which was given money to cover expenses of education. 
The problem is I've never attended this school, enrolled in this school. I have 0 classes and 0 credits for this school however I am still being held responsible to pay for a loan given to a school that I did not attend. 
( 2 ) i contacted the us department of education and they emailed me a form which I've sent back to them regarding this complaint. 
However, the problem is my tax return is being offset. Which the calculation is in question of exactly how much I owe. Because money was paid to a school I did not attend. 
My account is now is with XXXX  XXXX  XXXX  whom of which have a 66 page lawsuit pending for predatory practices. Which I told the department of education that I was uncomfortable working with this agency for such and they advised me to still work with them
Consumer complaint received 2024-08-18
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: Experian Information Solutions Inc. (CA)

I am writing to formally contest the inaccurate information present on my credit report following my recent experience as a victim of human trafficking. I have identified several accounts and/or items on my credit report that are incorrect and were not authorized by me. 
I respectfully request the immediate removal or correction of the following accounts and/or information : 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
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

In XXXX some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX  credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only Experian not XXXX or XXXX they XXXX the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NJ)

Dear Bridgecrest customer service, I am writing to dispute the interest rate you are charging on my debt. I believe the rate violates XXXX XXXX usury laws. 
Under XXXX XXXX law, XXXX XXXX XXXX and XXXX XXXX XXXX, the maximum interest rate that can be charged on this debt is 16 %. The maximum interest rate is set annually by the XXXX XXXX Attorney General. 
Im seeking remedy in under XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Forfeiture of all interest ; deduction from recovery ). By law I'm looking to recover the amount or value actually lent, without interest. If any extra or illegal interest shall have been paid to you, the sum or sums so paid shall be deducted from the amount that may be due as aforesaid, and recovery had for the balance only. 
I request that you verify the interest rate you are charging on my debt and provide me with a breakdown of the fees associated with the debt.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting act 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 2020-03-05
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)

Experian Information Solutions , Inc. et al. are in violation of the Fair Credit Reporting Act and have willfully failed to follow reasonable procedures to assure maximum possible accuracy of information contained in my consumer credit report. Experian Information Solutions , Inc. et al. are willfully and intentionally reporting false information on my credit report arising from identity theft. The false information is defamatory, is furnished with malice or willful intent to injure me, and has caused me mental anguish, embarrassment, and humiliation. I believe Experian Information Solutions , Inc. et al. has discriminated against me on account of my race and nationality by willfully reporting false information arising from identity theft.