davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (PA)

this account report late payment : Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$47.00} Credit limit {$1800.00} Highest balance {$560.00} Terms - Payment history XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days XXXX Past due 60 days Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 
Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional XXXX XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1800.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (IL)

I traded my vehicle a XXXX XXXX XXXX that was financed through XXXX with a monthly payment of {$630.00} to XXXX XXXX XXXX who went out of business after I traded the vehicle into them. I called Chrysler Capital and explained this to them and continued to make the payments until the car was liquidated by XXXX Auto exchange at the auction. I did this so I would not be reflected as late on any payments. I continued to call and in XX/XX/XXXX I was told by XXXX Auto exchange and Chrysler Capital this vehicle was sold to Ally Financial and Ally Financial was paying this car off with Chrysler Capital. 

At no time did I speak with Ally or did I give for Chrysler Capital my permission to talk or discuss or negotiate on my behalf with Ally and the same I did not give Ally my permission to discuss or negotiate on my behalf with Chrysler Capital. 

In XX/XX/XXXX while continuing to make my monthly payments I was told by Chrysler Capital that they had been in discussions with XXXX and had given XXXX my pay off amount. 
I continued to call every month to Chrysler Capital before making the monthly payment to see if it had been paid off. In XX/XX/XXXX I received information from Chrysler Capital that XXXX had paid off the vehicle. I then received a bill showing that {$600.00} was still owed I called Chrysler Capital and explained why they would release my title to XXXX until paid in full and was told they would get with XXXX. I was then notified by all three credit bureaus that it was reported from Chrysler Capital that on XX/XX/2023it was reported on my credit bureau that my acct was closed and paid and negotiated for less settlement which is a derogatory remark I have been calling Chrysler Capital weekly to get this removed to say paid in full with nothing about a settlement for less. This remark has caused not only my credit score to drop dramatically but has caused me not to be able to get new credit.
Consumer complaint received 2023-08-14
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc. (WA)

I opened a Coinbase account to learn a little about crypto currency. 2 hours later I saw a {$10000.00} charge from this company on my bank account. They have no customer service, won't talk to you, give you complete run around, and ask for silly documentation ( like selfies ). They have 100 's of XXXX complaints against them. I feel as if this company is a complete scam run by a bunch of thieves. They should be shutdown and all employee 's should be prosecuted to the full extent of the law.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (SC)

On XX/XX/XXXX,? I purchased a XXXX XXXX XXXX, from USAuto in XXXX, SC. I purchase a 3 year Service Warranty, at their insistence. It covered large repairs. I have been paying on that so called warranty for 26 months. On XX/XX/XXXX my transmission went out while I was traveling, I took it to two different repair shops, both said I needed a new transmission, costing approximately {$5000.00}. I called the warranty company, I was informed that USAuto had filed bankruptcy and my warranty was no longer valid. I called USAuto/Westlake. I was told the same thing. I have made repeated call to both parties. I was told that I canned get a refund for the money I have paid for an invalid warranty. I am ready to let them repossess this car. I do not have the money to repair it, anything you can do will be appreciated.
Consumer complaint received 2023-08-14
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. (CA)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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. (SC)

I have a bankruptcy showing on both my XXXX and Experian credit reports. The bankruptcy is from XXXX XXXX and was filed in error and promptly dismissed in XXXX XXXX with no judgment ever being entered and bankruptcy never actually being declared. I have tried to have the item removed as even their investigations show the case dismissed in three weeks with no judgment but it still shows on the reports. An actual bankruptcy can drop off in seven years, this has persisted for six years and was never an actionable case. I have contacted both companies every three months since XXXX XXXX to no avail.
Consumer complaint received 2023-08-14
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} 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 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My driver license was stolen and someone from a different state tried to cash a check with my license. It was at a Huntington bank witch I do have. They did not cash the check. But did notify me and adviced me to report it witch I did. And she sent me this web site to add to also.
Consumer complaint received 2023-08-14
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
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. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-14
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. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : XXXX XXXX Department XXXX Ive just reviewed my credit report and noticed the following inaccurate item XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-11-10
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. (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. 
Account Name XXXX XXXX XXXX  XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXccount Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name DEPT OF ED/XXXX  Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account XXXX XXXX XXXX Account Number Account Name XXXX XXXX Account Number XXXX Record Type XXXX  XXXX bankruptcy dismissed Reference Number 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 2023-09-01
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. (FL)

I am writing to dispute certain inquiries listed on my recent credit report, which I obtained from your agency. After carefully reviewing the report, I have identified several inquiries that I believe should not be included in my credit history. 
Below are the details of the disputed inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that credit inquiries can impact my credit score, and I am concerned about the negative effects these inquiries may have on my financial profile. I have not authorized any of the above inquiries and believe they are inaccurate or unauthorized. 

I kindly request that you investigate these inquiries and provide a response as soon as possible. If these inquiries can not be verified as legitimate, I request that they be removed from my credit report to ensure the accuracy of my credit history. 
If you require any further information from me to expedite this process, please do not hesitate to contact me at
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (TX)

Company called me from a fake number see attached. When I picked up the company did not identify them selves when I asked who it was, just stated the name of the person calling. I asked again and they hung up. Company is described as Credit Management LP when I called the number back. Phone number I was contacted from does not appear in XXXX. Calls from other random numbers.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

Ally Bank Complaint : I've been a dedicated, loyal customer of Ally Bank for over 5 years. I've always deposited, auto-debit, in both my checking and savings account with no problem. I become a victim of a job offering scam for remote work with a financial deposit for remote work equipment that was spelled out in their scammer " offer letter '' that I needed. I reviewed the items and they ALL were legit including the vendor equipment for remote workers that they listed for me to buy. Ally reviewed my experience and still decided to cancel me as a customer after all these years and ONE incident of a scam/identity theft, they closed my account & froze my funds. Like WOW??!! Just know if you work with them, this will be the result if you are a victim of something YOU did NOT do wrong! They closed both my checking ( {$25.00} ) and savings account ( {$3500.00} ). Choose another online bank for your best interest because some things are out of your control. I've been very disappointed in how they disregarded me as a customer so quickly and would not disclose the investigation details so I can understand why I was dropped as a customer when I've given them no issues all these years. Closing these accounts created such a disadvantage in my life these two weeks and I've been so bummed. Just watch out for the scammers and verify any checks they give you to deposit ( if you are applying for jobs and yea ). Ally was a bank I recommended for years before this incident happened to me, but now not going to do that. It is what it is... 

Best!
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, 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. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

from- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Dear XXXX. 

Despite my attempt to get you to remove the late fees from my record, you refuse to. 
It appears that you are all extremely ignorant about consumer law or you are willfully refusing to comply. I once again refer you to -15 u.s.code 1681 ( a ) letting you know that late payments are illegal. I as a natural person, decide what is reported and not reported on my file, according to consumer law. I am the ORIGINAL CREDITOR : ONCE AGAIN - XXXX with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

You could have just deleted the illegal and unethical late payments and I would have been satisfied. But now due to the fact that you are affecting 35 % of my credit score negatively, you leave me no choice but to sue you. 

I will send you a certified mail- for the affidavit of support and invoice for all your violations. NOTE : Keep in mind that ARBITRATION will cost you an additional $ XXXX {$12000.00} in attorney and court fees so I suggest you pay up within 10 days upon receipt, or I will proceed as planned. 

Most sincerely, XXXX XXXX