davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Fresh Holdings Inc (IL)

I have an account with the merchant : Credit Fresh. Their website is www.creditfresh.com and the credit line is issued by XXXX XXXX I have been making on time payments with the company since XX/XX/XXXX. In XXXX of XXXX, I called Credit Fresh to restructure my payment plan to something more affordable and they obliged. I made the payments on my new plan with XXXX not missing any payments. I am attaching documents from my bank to show this. Then the company decided to document my account as 30 days late in XX/XX/XXXX in spite of the fact that I made all payments on time according to my plan. I disputed this with the credit bureau XXXX XXXX. In the XXXX XXXX report dated XX/XX/XXXX the company Credit Fresh acknowledged my dispute and stated on my XXXX XXXX report : INVESTIGATION RESULTS-DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed. 

The above statement indicates that the company Credit Fresh acknowledged that my dispute was accurate. However, XXXX XXXX DID NOT change my credit report and they are still showing a 30 day late payment in XX/XX/XXXX. XXXX XXXX needs to delete the 30 day late payment that they are showing in XXXX of XXXX due to company acknowledging that my dispute is accurate. I am uploading all documents as evidence.
Consumer complaint received 2024-09-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX business days after the date of receipt. 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 XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$XXXX} XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : {$XXXX}
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

I placed a freeze with Equifax on XX/XX/XXXX, and was given a PIN to use to lift the freeze at a later date. Earlier this year ( XX/XX/XXXX ) when I called to have the freeze lifted I was informed over the phone that the PIN system is no longer used, and since I dont have a social security number ( I'm not a XXXX XXXX ), they could use my individual tax identification number ( ITIN ). I was instructed to make my request by mail with copies of the following documents enclosed to verify my identity : ITIN renewal letter from IRS, Credit card statement with current XXXX mailing address, Current drivers license, The above documents were provided by mail, and a few weeks later I received a response in the mail saying that without a SSN they could not remove the freeze. I called them again, and spoke to a supervisor who told me there was nothing they could do now that they no longer use the PIN system and that the report could not be unfrozen.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-03-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (TX)

XXXX. ) XX/XX/2024 for the amount of {$140000.00} action requested reservice loan XXXX. ) XXXXor the amount of {$110000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan XXXX. ) XXXX the amount of {$79000.00} action requested reservice loan A. ) I spoke to a Loan Manager named XXXX and she claims that Chase Bank/Chase Auto is not governed by Truth in Lending Act and Equal Credit Opportunity Act that derived as a violation of false and misleading information by itself. 

B. ) An inquiry mark on my credit report was brought to the Loan Manager 's attention that there was a credit transaction that occurred without me being compensated. I explained to the Loan Manager 's attention that the social security number was given to Chase Bank/Chase Auto for the specific purpose of obtaining possession of the vehicle an that the credit pulled from card needed to be cured and that it was a Unauthorized Use of Credit. Injury is caused by not giving equal exchange and opportunity by leaving inquiries lowering credit score. 

We believe in good faith that Chase Bank/Chase Auto is acting under racial and national origin discrimination as a result of a habitual pattern of five occurrences of racial and national origin discrimination adding unreasonable prohibiting factors. In result of the habitual pattern, Chase Bank/Chase Auto is also in violation of Discouragement.

Chase Bank/Chase Auto also failed to disclose the compensation of the credit transactions given to third party causing another violation.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I purchased a vehicle and the dealership secured the loan through Santander Consumer. At the time of purchase, the dealership showed me the contract and the terms and conditions. The contract did not convey full transparency, for me as a consumer to make an educated decision, and fully understand what was to be expected throughout the term of the loan. I was told by the dealership that after XXXX  months of payments that I could refinance the vehicle. However, when I had the vehicle appraised, it was discovered that the car was appraised less than half of what the final price of the vehicle. I received appraisals for XXXX, XXXX and XXXX for the vehicle that practically knew. I also discovered that after all the payments Ive made, majority of the payment went towards interest and not the principal balance. XX/XX/year> my principal balance was {$35000.00} as of today my payoff is {$34000.00}. The contract stated that it was a simple interest loan. But that terminology doesnt explain to consumers the financial implications of that type of loan for an automobile purchase. Based on the loan amount, in less XXXX months Ive paid {$6300.00} in total payments and {$5000.00} went towards interest. Due to the predatory nature of the loan, I am upside down and unable to refinance due to the negative equity. Nowhere in the contract does it explain that to the consumer. When I contacted Santander Consumer, none of the representatives were supportive and helped me with a resolution to this issue. They offered no reconciliation or solution. As a result, I did research and found that Santander consumer has had multiple lawsuits and penalties across the country where they were found to have put consumers in loans that had a 70 % or more chance of defaulting. I believe that I am in one of these types of loans.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As of XXXX and XX/XX/2022 it started sharing my private data XXXXXXXX credit bureau and Equafix credit bureau Are in direct violation of the fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly state 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 an account without my written instruction.

15 U.S.C 1666B : A creditor may not treat a payment on credit card account under an open-end consumer credit plan as late payment for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the Fair Credit Report Act.
Consumer complaint received 2024-09-30
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. (PA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-06
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)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 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 all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TransUnion 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 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2024-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My mother XXXX XXXX XXXX XXXX received a fake check from a scammer pretending to be XXXX XXXX XXXX I called the USAA fraud department the same day and tried to warn them not to cash the check because I knew ultimately, I would be responsible for the amount she withdraws because she immediately sends the stolen funds to the scammer and has no way of repaying it. They said they could not discuss it with me. I pleaded with them to at least put a note on the account and verify the check before letting her withdraw funds. They absolutely refused and she proceeded to transfer {$2500.00} to her XXXX XXXX XXXXXXXX account because you made those " funds '' immediately available!!! I got a hold of XXXX XXXX XXXX and they told me she had spoken to USAA and tried to get the money however they told her to wait and see if the {$4800.00} would " stay '' in the account because they suspected it was fraudulent. However, they let her transfer {$2500.00} into her XXXX  account. Then from XXXX she withdrew {$2200.00} from the account thru the XXXX ATM. How is this possible when you are sending her messages that there is fraudulent activity on her account? This makes absolutely no sense. Then to make matter worse she files a claim/dispute about the check being fraudulent ( when she absolutely knows it's fraudulent ) and you then deposit a provisional ( temporary ) credit her to account in the amount {$2200.00} ( Dispute ID : XXXX ) so she can pull that same amount out again? XXXX  So now she has transferred {$2500.00}, withdrawn {$2200.00}, and your provisional credit allows her to withdraw {$2200.00} again on a bad {$4800.00} check. That is over {$7000.00} on a check that was originally {$4800.00}. And to add to that you have credited her {$1000.00} for the fraudulent check due to it being fraudulent for her not knowing, I guess? How is this possible. She knew from the start the check was bad, you guys notified her it was bad, I told her it was bad, and XXXX told her it was bad. She knew exactly what she was doing, and you are just promoting it. Why would she ever stop? And now she has deposited a bad {$15000.00} check into her XXXX XXXX XXXX account and is doing the same thing over there. All because you did not do your job initially when she deposited a bad check into her USAA account. You should be ashamed and embarrassed. She is XXXX XXXX XXXX, and you are letting her get into so much debt which I will ultimately have to cover.
Consumer complaint received 2022-12-06
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX XXXX : {$830.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX  ( XXXX XXXX XXXX XXXX THE XXXX AT XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXX  XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

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 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.