davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
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. (FL)

Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CCF Intermediate Holdings LLC (TX)

XX/XX/year> Vehicle was surrendered XX/XX/year>, during non business hours. The key was left within the unlocked vehicle. Called customer service after not being able to reach the XXXX Title Max location. Advised by Title Max customer service to go back and sign surrender form since it is a collateral loan. Arrive back at the location and XXXX, while assisting another consumer asked across the room for the reason I was there. I advised I needed to sign a vol form. XXXX, responded what is that? I then stated voluntary surrender. A few minutes later she approach while I was sitting in the lobby what is name, your telephone number and why are you surrendering the vehicle and what is wrong with the car? I replied, because it's old, because I was in shock by them of lack of decorum and privacy. XXXX, then expressed using an uncouth facial expressions and asked again. At that point, I stated I do not wish to state my personal business across the floor. In addition, 2-3 other patrons were in the waiting area or being serviced. XXXX, then proceeded to state in demeaning tone quote " I guess you gon na to have to wait for someone to help you then '' unquote. I replied and you need to be professional. She returned to her desk and printed my information out while in front of another patron and sat is on her desk. XXXX, then became available and I explained I spoke with him earlier and advise the car was at the location for voluntary surrender and customer service advised me to come in and sign the voluntary surrender. He asked me to retrieve the key. As I walked back he was handed my paperwork from XXXX, and XXXX, then asked across the room is there anything else she needs to do? Again, in front of another patron. XXXX, did not asked one question. And if there was not additional question to be asked why was XXXX, asking earlier who, what, and why. If it is part of procedure why did XXXX, not ask? 

Title Max Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Hours : Closed Opens XXXX Mon Phone : ( XXXX ) XXXX Customer Service XXXX
Consumer complaint received 2024-10-17
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. (OK)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-11-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (LA)

On XX/XX/year> I purchased two ( 2 ) Vanilla Visa Gift Cards, distributed and serviced by InComm Financial Services Inc, from XXXX store # XXXX. They were for {$500.00} and {$490.00} plus {$4.00} purchase charge each, for a total cost of {$1000.00}. Over the next three ( 3 ) days I attempted to use each of these 2 cards at several online stores as well as several in-person stores. The attempted charges were declined every single time, despite the promise that the cards could be used everywhere Visa debit cards are accepted. Whenever I checked the card balances online at https : //balance.vanillagift.com/ I could see that the cards still had the full balances of {$500.00} and {$490.00}, so the funds had NOT been stolen by a third party, but instead the cards were being rendered worthless by InComm 's choice to block all attempted charges for no legitimate reason. In effect, InComm had stolen the funds, and it is clearly very profitable for them to sell gift cards and disable their use, so that they can simply keep the money. On XX/XX/year> I called the listed phone number XXXX to get the worthless cards refunded. I was given a Case Number # XXXX and instructed to email XXXXincomm.com with certain documents. That same day I emailed to XXXXincomm.com all requested documents, namely images of the cards and their packaging, the purchase receipt, and personal identification. That same day I received acknowledgement of the information I sent for XXXX Number # XXXX, and they promised a response within 7-10 business days, which would be XX/XX/year> at the latest. But I have never received any further response from them, despite my further enquiries on XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> also sent to XXXXincomm.com and XXXXincomm.com. So by almost two months ago I had already taken all the necessary steps for InComm to issue a full refund of the {$1000.00} I paid, and they should have issued the refund about six weeks ago at the latest. InComm is clearly choosing a very profitable strategy of selling gift cards and disabling their use, so that they can simply keep the money, and now they are stalling and stonewalling in furtherance of this strategy, hoping defrauded customers give up on their attempted refunds. I have already made the necessary phone call and email, so any request that I make further such communications would just be more evidence that they are burdening me with time and effort, as part of the stalling and stonewalling strategy to avoid issuing a refund, and this would be more evidence that they are intentionally defrauding customers. Any further delay in a prompt and full refund of {$1000.00} would be yet more evidence of their fraud, as would any attempt to issue it in the form of their worthless cards. 

Note that documents have not been attached to this CFPB complaint, since all the documents were already sent to InComm about two months ago.
Consumer complaint received 2024-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-11-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NY)

I submitted an application to open an Ally.com bank savings account on XXXXXXXX XXXX XXXX. I received the following application reference number XXXX. 

After receiving the application number i called Ally.com bank and had the account opened. I then transferred {$5000.00} from XXXX to Ally.com ( account # ending XXXX, Reference number XXXX ). The transaction was completed on XX/XX/year>. 

Since my deposit, my account has been suspended since XX/XX/year>. I have contacted the Customer Service number provided, XXXX multiple times. I have at times been on hold for 30 minutes or more answering the same security questions repeatedly without any resolution. I also have not received any correspondence via electronic, voice or mail.

I want to have my {$5000.00} deposit sent back to my original savings institution.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2XXXX XXXX - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


3. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously disputed the following inquiries from my TransUnion credit report. I received correspondence that they would delete the information from my report but theyre still reporting on my credit report! These inquiries were not initiated by me and do not belong to me!! There are also XXXX accounts being reported that do not belong to me as well, they are XXXX XXXX Bank and XXXX XXXX XXXX!! 

I am a victim of identity theft and would like this information removed from my report. I have tried serval times to dispute the inaccurate information with TransUnion however they have failed to resolve the issue! I am also a victim of human trafficking and may I need my credit restored as soon as possible. 

XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX FINANCE XXXX XXXX XXXX via XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXXXXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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