davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Auto Credit (CA)

Im am writing this complaint in regards to Premier Auto Credit. On XX/XX/2023 through the middle of XXXX. Me and XXXX XXXX received threaten aggressive calls from premier auto credit. The company threaten to sue us, hire private investigators to follow us and ruin our credit if we didnt pay the loan amount. They also followed me from XXXX XXXX  house to my place of residence, Thats when premier auto credit hired and unmarked repossession company to repo our vehicle. We were followed in unmarked cars, to and from work. We received aggressive phone calls from premier auto Credit. The agents would us profanity and foul language, in attempt to recover the vehicle. This became very stressful and upsetting for me and XXXX XXXX.We were not made aware of, by phone, letter or email that this company was going to repo our vehicle. Our personal information was giving to this company, in which we did not have an agreement with the repo company but, with XXXX and premier auto credit. We feel that our personal information was compromised by premier auto credit and our personal credit has been breached. Weve also notified premier auto credit of our financial difficulties, hoping to refinance our vehicle or work out a payment plane, but the company refuse to work with us. As I look at the contract weve noticed that our signature are computer generated, and not our hand written, in which, at the time of signing the contract we only hand written our signatures. At the time of our contract signing, XXXX / premier didnt explain our rights as a consumer buyers, which is a violation to our right as purchased of any form of credit transaction.. Ive also noticed per our contract that we where approved for a loan of XXXX. I, neither XXXX XXXX didnt receive cash, check or money deposited into our account as a consumer transaction. On the retail sales contract, our signatures are computer generated as noticed We where not made aware of any taxes or fees until the signing of the contract. We where forced to pay these fees, or we could not drive the car off the lot. We gave {$8000.00} cash for the down payment, was financed XXXX which totaled {$24000.00}. We paid XXXX for sales taxes. XXXX for vehicle license fees and {$50.00} for registration fee, which is against the law to use this amount as part of the down payment. Weve contacted premier auto credit about the merchant that was in and on the vehicle at the time of repossession, and asked if we can recover our property, but was denied access to our belongings. This company is very rude, unprofessional and intimidating. This company has lead us under fraudulent transactions and bad faith agreement entrapment.
Consumer complaint received 2023-06-11
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. (IA)

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. 

I told the XXXX, Transunion, and XXXX to correct my personal info so everything can correct on my report. 

Name : XXXX XXXX XXXX XXXX SSC # : XXXX Address : XXXX XXXX XXXX # XXXX XXXX, Iowa XXXX However XXXX they stated everything was complete and accurate. But how is that possible if they still showing incorrect info on my report. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (GA)

My finances became limited, inflation didn't help so I'm having my debt consolidated with XXXX XXXX XXXX. Discover card won't quit calling me and my employer.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

I am writing to express my ongoing concern about the disputed debt referenced in CFPB Case # : XXXX ( Upload response letter from Dept Collector on the original case I was not able to respond back to ). Despite my repeated requests, I feel that the debt validation provided by Resurgent Capital Services on behalf of LVNV Funding LLC has been insufficient and not in alignment with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

While I acknowledge the documents they have provided so far, I must reiterate that these alone do not adequately validate the debt in question. XXXX credit statements, Resurgent letters, and an account summary from Resurgent Capital Services, without the original credit agreement bearing my signature or detailed account statements from XXXX XXXX, do not provide the necessary evidence to confirm this debt as mine. 

In addition, the Transfer and Assignment document, though it points to a transaction between Resurgent Acquisitions LLC and LVNV Funding LLC, lacks specific information about my individual account. Without the attached Exhibit A or evidence showing a clear chain of assignment from XXXX XXXX to LVNV Funding LLC, it is not possible to affirmatively link this debt to me. 

It is not my intent to avoid a legitimate debt ; however, I must insist on exercising my rights to ensure that this debt is indeed mine before taking any further steps. Therefore, I am again asking LVNV Funding LLC and Resurgent Capital Services to provide a thorough validation of this debt, specifically : 1. The original credit agreement from XXXX XXXX that bears my signature. 
2. Detailed account statements from XXXX XXXX showing the progression of the debt. 
3. A copy of Exhibit A, which lists my specific account as part of the transferred assets. 
4. Proof of each assignment of this debt from the original creditor to the current debt holder. 

I firmly believe it is inappropriate for this disputed debt to continue being reported to credit bureaus before it is fully validated. I kindly request that this process be expedited to resolve this issue. 

Thank you for your immediate attention to this matter. I await your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-11
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed with Transunion about a XXXX XXXX XXXX due to immaculate information. They sent me back saying dispute resolved i never recieved any information on how this account was verified no paperwork was sent to me with my accurate information & i was never told how this account was verified as mine. I am trying to get a vechicle to make it to work to support my family and this account is stopping me from doing so.
Consumer complaint received 2023-06-11
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. (NV)

XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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 2023-06-26
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: Stellantis Financial Services US Corp. (TX)

The auto loan was opened on XX/XX/, but the payment history for XXXX, XXXX, XXXX, and XXXX of XXXX is missing from my credit reports, which yields an incomplete description of the payment history. Please update the payment history for this account or remove the account from my credit report for being incomplete.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/23 I notified Chase bank that my wife passed away on XX/XX/23 and I was there to close her accounts. I provided them with a death certificate and was told I was not a beneficiary on her accounts. As instructed by an attorney, I filed an application of surviving spouse for refusal of letters with the circuit court in my county. It was granted. I submitted that document to Chase bank in person on XX/XX/23. I was told I would be followed up within XXXX. That never happened. I called the bank manager on XX/XX/23 ( XXXX MO ) and was told the matter would be escalated. I was not contacted. I submitted a demand letter to Chase bank on XX/XX/23. I still have not been contacted.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened an online checking account with Citi Bank following their website for a priority bank account which states following on their website. " Open an eligible Checking Account from XXXX - XXXX and earn a cash bonus of {$200.00}, {$500.00}, {$1000.00}, {$1500.00} or {$2000.00} when you complete required activities.1 To unlock your bonus, deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days starting at the XXXX day. Only new checking customers can take advantage of this offer. TO GET STARTED, CHOOSE AN ACCOUNT To enroll in this offer, you must apply directly from this page. Opening an account does not guarantee that you meet eligibility requirements. '' This was the similar promotion for month of XX/XX/2023 when I opened my account. I followed all instructions and they even confirmed me on the phone that all the conditions are met to get a reward. After speaking to the Citi agent according to them there is no offer attached to my account which is contrary to what they claim on their website. I feel they are not staying to true to their words
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 

In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 AM REQUESTING YOU TO PLEASE PROVIDE ME WITH THESE 4 THINGS BELOW, IF YOU CAN NOT PROVIDE ME WITH THESE FOUR THINGS PLEASE REMOVE ALL OF THESE ACCOUNTS FROM MY CREDIT REPORT. 


1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-11
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2023-06-26
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. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to three credit bureaus Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please help me correct these accounts immediately : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$570.00}.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX, MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXXXXXX XXXX, MT XXXX ; ACCOUNTS : 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MS)

I have banked with Chime for far too long and I regret ever opening an account. I have filed a total of 3 or 4 disputes - the first two ever were investigated and even though the purchases were made when I was out of town and I made inquiries and requested the evidence used to support their claims multiple times - I was not refunded and I never received my money back. Most recently I have filed a dispute for over {$1000.00} - this was a multi transaction software issue and I reached out to the company that I made the purchase from. They instructed me to dispute the charges because they were having issues processing a refund. I was told it would take 2-3 days. Chime was then called and talked to extensively about why I wasnt requesting a refund- to which I had and was following the companys response. Its now been over a month - the original charge was made XX/XX/XXXX. The company I had the issue with, XXXX XXXX XXXX by XXXX XXXX XXXX XXXX is a registered seller through XXXX - an online company that should be aware of the types of sellers it is allowing to potentially run a scam. XXXX XXXX XXXX XXXX cant get a refund to process - even though there is a money back guarantee and Chime will only tell me that their investigation can take up to 90 days. They flatly got 2 disputes wrong and now they are telling me to wait to 3 months for them to investigate. As the customer I shouldnt be having to deal with con artist, but I surely shouldnt have to put up with Chime Bank telling me this is the norm. This isnt normal and more people should be aware that Chime isnt customer focused and they dont follow the timelines of other banks. They also will give you no answers to your questions about the dispute and I even went as far to provide emails from XXXX showing that they instructed me to handle matters this way and still nothing.
Consumer complaint received 2023-06-11
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. (TN)

the following accounts were opened in my name 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 2023-06-26
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXXXXXX BalanceOwed : {$5200.00}.
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$230.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX Balance Owed : {$210.00} ; XXXX XXXX XXXX XXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$960.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$5200.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$900.00} ; XXXX  XXXX BalanceOwed : {$5200.00}.