davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

Chase allegedly received the incorrect amount for the payout of a totaled loss vehicle from XXXX. I did not write this payoff check and should not be dinged for a 30 day late payment when I did not make the payment. 

I did not know any remaining balance existed and when I found out, I paid it. 

I ended up getting another vehicle loan from Chase and it was very confusing because I got the same year make and model vehicle. 

Not sure why Chase has literally refused to update my credit report as all I do is continue to do business with them.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$440.00}
Consumer complaint received 2024-08-27
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. (CA)

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
I know that if the Bureaus did not conduct a thorough and independent investigation, including direct contact with the court, this could constitute a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 3 ) ). In such a case, the FCRA requires deletion of the disputed information.
Consumer complaint received 2022-01-12
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)

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 2022-01-12
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. (CA)

On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXXXXXX XXXX to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California XXXX XXXX have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California XXXX XXXX take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX  the same University I am suing due to me being XXXX. Moreover, TransUnion and XXXX have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.
Consumer complaint received 2021-12-22
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: Resurgent Capital Services L.P. (FL)

Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It XXXX Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : XXXX XXXX XXXX Balance : {$500.00} Account # : XXXX This account is not mine and has been determined to be fraudulent. Moreover, the original creditor, The Bank XXXX Missouri, through its account servicer XXXX XXXX XXXX, entered into a settlement agreement with me acknowledging that this account was opened fraudulently and is not valid. 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. After extensive investigation and legal action, the original creditor reached a settlement agreement with me, acknowledging the accounts fraudulent nature. Under the terms of the settlement, the creditor agreed to : Delete all tradeline information associated with this account from my credit report. 
Waive any claim to collect on the account. 
The attached XXXX XXXX and XXXX of Claims, signed by both parties, demonstrates that the account is not legitimate. Despite this resolution, XXXX XXXX XXXX, as a third party, continues to report this invalid account, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Actions Taken by Me : Reported identity theft and disputed the account with the original creditor. 
Reached a settlement agreement with the original creditor acknowledging the accounts fraudulent nature. 
Filed disputes with credit bureaus to remove the invalid account. 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request the following actions : Remove this account from all credit reporting agencies and ensure it is no longer associated with my name or credit file. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation that the account has been permanently removed and that no further action will be taken regarding this matter. 
This fraudulent account is causing unnecessary damage to my credit profile, despite the attached legal agreement confirming it is invalid. I expect a prompt resolution to ensure my credit record accurately reflects my legitimate financial history. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC XXXX ( a ) ** Dear TransUnion, I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit file, as I am a victim of identity theft. My personal information was compromised due to the recent data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC XXXX ( a ), I am entitled to have these accounts removed from my credit report promptly. 

The following accounts are fraudulent and were not opened or authorized by me : XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX In accordance with 15 USC XXXX ( a ), I am providing the following documents to support my request : XXXX. A copy of my identity theft report filed with the FTC. 
XXXX. A copy of my government-issued identification ( e.g., drivers license ). 
XXXX. Proof of address ( e.g., utility bill, lease agreement ). 

I request that these fraudulent accounts be blocked and removed from my credit file. Please notify me in writing of the results of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-12
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

XXXX has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for RBFCU ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. XXXX has wrongly claimed to have verified the information leaving me with no available remedies
Consumer complaint received 2022-01-12
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. (IL)

XXXX is a digital app on XXXX that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX year old son. I need good credit to get a good apartment. This company just destroyed that!
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with BANK OF AMERICA XXXX My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. BANK OF AMERICA became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

There are two child support cases that are being reported on my credit file. The balance amounts are incorrect I have no balance on my account there is only 1 case that I had and my child is over XXXX years old and the account is closed never paid late and satisfied in full. 
I noticed another account is being reported on my credit which Is not mine. I requested validation to be made and re-investigation there has been no effort made from the credit bureaus. There is also a repossession being reported which does not belong to me but its being reported on my file being reported as my vehicle.
Consumer complaint received 2022-01-12
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I received a letter from Chase Cardmember Services on XX/XX/XXXX where they closed my account because balances on account were too high compared to credit limits and currently over limit on chase accounts. However, my credit limits never exceeded the max limit and I've spent over {$40000.00} on my Chase XXXX card the following year and paid it off in full I even made a payment for {$9900.00} on XX/XX/XXXX which doesn't make any sense for chase to close my account. I have never had a late payment or missed a payment whereas I paid all my bills on time and in full a majority of the times. I have a XXXX credit score when all my balances are paid off and never had any issues with payments where chase would need to close my account. Also, this was self inflicted with chase as to my balance was within the credit limits. Chase had failed me in a chargeback from a merchant where I didn't make the purchase which is to what pushed my account over the limits and I didn't even have the time to check or respond to what happened with the merchant or the account as it all happened so fast and soon within 48 hours to get a email stating that chase closed my account. I am greatly frustrated and ashamed that after this past year chase would close my account when I have been nothing but a good customer and never missed and made all my payments on time.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America is not refunding our credit card after multiple fraudulant transactions. At first they credited our account and we thought this was resolved. Then they sent us a letter stating we were wrong and are now putting the charges back on our card. The fraudulent charges were made online according to the credit card statement so clearly it looks suspicious from the start. It shows that we ordered XXXX 3 times on XX/XX/XXXX, 2 times on the XXXX and 2 times on the XXXX. Why would we order XXXX multiple times in one day. We also had fraudulent charges at XXXX 's as well on XX/XX/13 on the same day. We did not make these purchased. We are asking for our money back and to have Bank of America hold the vendor accountable. Please refund us our money.
Consumer complaint received 2023-06-09
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NY)

in XXXX XXXX XXXX - while in an active XXXX XXXX - my husband and I needed a newer car. 
The trustee allowed us to assume this new debt. The only lender the car dealer was able to find willing to finance us being in an active XXXX- was Exeter Finance- out of Tx. 

When I did not get my statement in XXXX for my first payment - I called them. They said because I was in an active XXXX XXXXXXXX they were not allowed to send me statements. My XXXX attorney issued a letter saying that I needed to have statements- and I realized receiving them was not attempt to collect a debt. 
However they refuse to send me any info regarding my loan. I was told by one person I spoke with in XXXX that once the XXXX XXXXXXXX was officially discharged they would allow me access to my account. When I called yesterday as I could not log on- they said because of the XXXX XXXXXXXX I would never be able to see the activity on my acct for the life of the loan. 
I am now looking to refinance- and have learned that this loan is not on mine or my husband 's credit report. I called them again- and they said because of the XXXX  XXXX their policy is not to report it to the bureaus. 
I feel this is all very suspicious. I have a loan - that I have no idea what I owe - if my payments are being processed - and the loan has not been reported to the credit bureaus. 
It seems that this is illegal. 
I need help - repaying this loan would help my credit score after the XXXX- and now it's hidden from view. How can I refinance when a new lender can not see it?