davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (OH)

I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.
Consumer complaint received 2024-07-29
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)

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX : {$430.00}
Consumer complaint received 2024-07-29
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)

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX Balance Owed : {$8400.00}
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WI)

During several months of XXXX to XXXX, my card was used on a site called XXXX. I did not ever have an account on there and proved throughly that I did not. They are refusing to resolve my fraud claim at discover. XXXX wouldn't respond to their inquiry neither. I have called them several times throughout their " investigation '' and was always given robotic generic answers for updates about my claim. They never really seemed to put much effort into this as I did a personal scan using XXXX  to show XXXX did not intact ever come up under my name.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (CA)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached a letter to let you know more in detail about what they are reporting in my credit report. The items listed in the attached are all unauthorized inquiries. I never had any transactions with the following inquiries attached and all of them are not verified. Please block/delete the following unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Experian has continuously reported wrong accounts in my credit report. Someone stole my identity to open a BOA credit card account. I have reported identity theft. I have checked with XXXX and they confirmed I dont have any account with them under my name or SSN but Experian has been keeping reporting XXXX  account in my credit report and this inaccuracy has hugely impacted my credit score. Based on U.S. code 1681, credit agency fails in providing accuracy and fair credit reports. I want to file a complaint against Experian.
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: Transfinancial Companies, Inc (TX)

As a consumer, I, XXXX XXXX, believe that Transfinancial Companies is violating the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692g ( a ) by reporting this debt on my credit report without providing the necessary verification and information. According to the law, a debt collector must provide a written notice containing the amount of the debt, the name of the creditor, and a statement informing the consumer of their right to dispute the debt within five days of the initial communication. In this case, Transfinancial Companies has reported a collection account related to XXXX XXXX XXXX XXXX on my credit report, but the original balance is listed as {$0.00}, and crucial details such as the last payment and past due amounts are either missing or incorrect. Furthermore, I have not received any communication from the company verifying the debt or offering the opportunity to dispute it, which is required by law. Therefore, this reporting appears to be a clear violation of my rights under the FDCPA.
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$6600.00}
Consumer complaint received 2024-08-23
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: Experian Information Solutions Inc. (OH)

Delate my inquiries of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (CT)

My vehicle was repossessed on XX/XX/year>. On that day, I contacted Westlake and was informed that the total amount required to cure the loan and retrieve my vehicle was {$1000.00}. I was explicitly told by your representative that no additional fees would be incurred. I paid this amount in full and successfully retrieved my vehicle the following day XX/XX/year>. 
Lack of Notice : According to XXXX state law, I was entitled to receive a notice of repossession at least XXXX  days before XXXX XXXX days after the repossession via certified mail. I did not receive any such notices, which is a clear violation of the state requirements. 
Unacknowledged Charges : I subsequently received a bill that included additional charges of {$150.00} and {$220.00}, labeled as repossession fees. I was not informed of these fees either before or after the repossession, nor was I provided with a breakdown of these charges. As per XXXX law, these fees can not be imposed without proper notice and a detailed explanation.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On XX/XX/2023 i sent a certified letter to all 3 credit bureas to dispute and investicate multipme errors on my my credit report it took over 45 days and items were removed. Now items that were removed are back on my credit report and they started a reinvestigation i also sent a letter XX/XX/2023 about my investigation not being done in a timely manner it is now XX/XX/2023 and nothing has been done i never got any type of verification on any accounts disputed i only recieved copies of my report from XXXX XXXX and equifax i never recieved a anything about a reinvestigation and i want these negative items removed immediatly
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Are reporting inaccuracies According to 15 USC 1681s-2 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 incomplete or inaccurate.
Consumer complaint received 2024-07-29
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)

I am filing a complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX  has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Consumer complaint received 2024-07-29
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. (NY)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TN)

I payed my balance in full on my Citi Bank credit card about a week before the payment due date. I was charged interest, against what I could tell was the policy listed in the credit card statement. I asked why I was charged interest when I had paid my credit card balance in full before the payment due date. The rep did not tell me why. However, he did credit the interest back to my account. I would not complain about this normally. It is a small amount of money, and I got it back. However, I feel like charges like this can fly under the radar, and I think the company needs to be held accountable somehow.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (CA)

I contacted Chime twice about a XXXX XXXX card that was fraudulently opened using my email address, my name and possibly my XXXX. I called their customer service number and selected the fraud option. I explained that I believed my email and information was used to fraudulently used to open a Chime debit account. It was sent to my son 's address in another state, since I had co-signed for his college apartment. I explained that I found out about it because I received an email stating that the card was on the way. The representative went in, found the account and told me that he changed the email address. to something else. I asked for more information on the account as it was fraud and they said that they just removed my email from the account and that was it. I asked to be transferred to someone in the fraud department because I wanted to know what they were going to do and to have them provide me more details. I did get a reference # and the person told me I would get an email. I persisted and they said I was being transferred. Nope, right back to account management. I then got an email stating that my account 's email address was changed to something else that was similiar by different than my real email address. 

Later that day, the XXXX debit card arrived. I called back and asked to speak to a supervisor because the incident did not get taken care of and I was not confident unless I spoke to a supervisor. For 20 minutes the representative kept asking to help and saying all supervisors were busy. I mentioned I would wait but after 20 minutes, the representative terminated the call saying I was unwilling to work with them or something like that. 

Chime is not interested in dealing with reported issues of fraud.
Consumer complaint received 2024-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

To whom it may concern, According to my credit report, on XX/XX/year>, United Revenue Corp reported a collection account of {$230.00}. Unbeknown to me, I am unaware of what this collection entails and when this took place, regardless, the No Surprises Act forbids any medical debt under {$500.00} to be reported to ANY credit reporting agency. XXXX is fully knowledgeable about this Act and has violated my consumer rights.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PayActiv, Inc. (PA)

On XX/XX/year> I received XXXX emails from XXXX. Both emails used my name, and both were addressed to XXXX of my email addresses, XXXX. 

The second email stated that a credit card had been mailed out and I would be receiving it within 7 business days. 

I have never heard of or signed up for XXXX. This account was fraudulently opened without my knowledge or consent, and it should not even have been possible for anyone to do so since I have my credit frozen with all three credit bureaus. 

I called XXXX customer support on XX/XX/year> at approximately XXXX and spoke to a representative named XXXX who informed me they were unable to provide any information.
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-10-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I am writing to formally request a 1099-C form related to the charged-off account listed on my credit report for the amount of {$5400.00} account number ( XXXX ) with company NATLCRSYS. 

According to my credit report, the debt associated with this account has been charged off by your company. As per IRS guidelines, if a debt has been forgiven or canceled, I believe I should have received a 1099-C form, which documents the cancellation of this debt for tax purposes. However, I have not received this form to date. 

Please send the 1099-C form to the address listed on file as well as down below at your earliest convenience. If there was no cancellation of the debt, or if additional steps are required on my part, I would appreciate clarification of the status of the account. 

Thank you for your prompt attention to this matter. I look forward to your response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I have attempted to dispute this item for the last ten months. My Target RED card account has been reporting that my account was negative in the month of XX/XX/year>. My account was NOT to my knowledge late in the month of XX/XX/year>. I have requested for proof that no payment was made on this account and the administrator of Target RED card services has been unable to provide this information. I have disputed this information with all three credit bureaus, XXXX, XXXX, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

When I signed for the loan my signature was copied and pasted onto the paperwork. I was never told about the interest rate being so high. After having the car for 6 months the Transmation went when i tried to put in a warranty claim i was told the warranty was up 30 days ago. The Transmation cost me over {$5000.00}. We fell behind on the car around covid and the car was repossessed. I was told that it would cost me {$800.00} to get the car back and i would still owe a payment. I did not go directly back to work from XXXX  and ask the company to pick the car up. this went on for over 4 months. My house caught fire and we lost everything Credit acceptance was called yet again and this time they were told to pick the car up its sitting at a burned-out house. when they finally came out, they assessed all kinds of baghouse fees and told me i was up to {$8000.00} in monthly payments and fees and this would be added to the loan and the car sold at action. The car sold at action for less than {$7000.00} and they said i was responsible for the rest of the loan. Credit Acceptance add fees and charged me 29 percent interest and hide this information from me after requesting it to come off my credit because they wrote a bad loan. I heard no farther information. I was scammed by this company.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (CA)

Direct Express locked my card and I have sent in verification of my birth certificate, social security card, and ID multiple times but they keep sending me back to the SS office. So the SS workers advised me to redirect my benefits to another bank account, so that's what I did but I still have two payments on tmy direct Express card but the Social worker said they couldn't do anything because they already sent the payment to Direct Express.I keep calling DE but they tell me the can't do anything either!! I'm already late 2 months with no help from the social security office or Direct express.
Consumer complaint received 2024-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Co-signed with ex for him to get a vehicle years ago and apparently he only makes the payment occasionally from what credit acceptance says. Contacted the loan company to inform them that I am not allowed to contact the primary loan holder which is my ex due to a XXXX XXXX  at that time, that I placed on him due to XXXX XXXX and they refused to help me remove my name from the co signed account.
Consumer complaint received 2024-10-15
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 (NJ)

My name is XXXX XXXX XXXX is XX/XX/XXXX. I have recently sent a complaint regarding my credit report. I have been told i was late in XX/XX/XXXX but then i saw on my credit report, WF marked me late in XXXX. I know i was not late & XXXX advised me as well that the XXXX late payment was marked wrong & will be taken off my credit report. I disputed the late payment with XXXX & was told that wells fargo told them the info is correct. I was told multiple times that the payment marked late in XXXX was incorrect.