davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (MI)

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a Father of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck on the road nearly 3 times. One time a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a XXXX discount on my next vehicle to help offset all these issues. A XXXX discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... ALLY decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called Ally, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month Ally sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

Two weeks ago Ally took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. Ally contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing Ally ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 .

This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the thirty days to acknowledge the violations of FCRA, therefore immediately remove.

Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802, 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
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. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX and XX/XX/XXXX, I paid {$470.00} & XXXX, respectively from my PayPal account for an XXXX. On XX/XX/XXXX, PayPal deducted an additional, unauthorized {$130.00} from my account based on a claim from XXXX that I am disputing and was disputing at the time PayPal deducted the {$130.00} from my account. I disputed the payment with PayPal, and their decision favored XXXX. They immediately closed the case. Neither PayPal nor XXXX has provided me with anything justifying the charge! It is an arbitrary amount with no basis. 

Furthermore, PayPal made XXXX an automatic payment recipient WITHOUT my approval based on the very first XXXX reservation I made in XXXX. That payment was supposed to be a one-time payment authorization. It was never implied or approved to make all future payments were automatically authorized. Had they not unilaterally made a decision to make a payee an automatic payee, I would have been able to stop the payment. Instead, they took money out of my account without my EXPRESS approval. My contract with XXXX was for the initial {$950.00}. There is nothing that I have signed to authorize the additional {$130.00} taken from my account! PayPal has made no effort to fairly resolve this issue, and has left me with no ability to respond to the decision they made to deduct {$130.00} from my account!
Consumer complaint received 2024-06-28
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2022-01-10
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)

The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information XXXX there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from Experian and XXXX stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on XXXX and Experian, there's a XXXX XXXX ( XXXX ) and XXXX  ( Experian ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
XXXX is reporting a XXXX acct and that acct also does not belong to me.
Consumer complaint received 2024-06-28
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. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-28
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 following accounts needs to be deleted from my credit report as soon as possible ; 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 These accounts are in direct violation XXXX XXXX XXXX XXXX ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened my account at Bank of America in XX/XX/XXXX. In XXXX XXXX XXXXXXXX, my account was blocked and any money going out kept getting declined including my card payments. I reached out to our RM and was told that my account is under review by the bank and it will take about 30 days for an answer. After the 30 days were over, we reached out and were told by our RM that our account is under review by the fraud department and will take another 90 days or more for an answer. 
We have tried to reach out to the bank and our RM via calls as well as emails to ask them what they thought was suspicious so that we can help them with the clarification by showing them our documents. However, we have gotten no response. The bank wants to do its own investigation without even asking for any documents. 
It has now been over 50 days since our account has been locked. We have {$110000.00} that has been frozen by the bank in that account and because of that, we are defaulting on a lot of payments to our suppliers as well as not being able to deliver the goods to our buyers who have given us the payment. 
We are on the verge of going out of business completely if this isn't resolved very soon. I am attaching the bank statement for the month of XX/XX/XXXX where you can see none of my payments were going through. I am also attaching the email thread of my conversation with the RM who didn't reply at first but when he did he said there is no update and we will have to wait.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

I want a refund for an {$4.00} fee another bank charged me and Keys outside atm fee, which incurred using another banks ATM. 

The drive through ATM was cash withdrawal disabled.

Keys teller them refused to disperse my finds through fun the window, or let me withdraw money within Keys limits. 

Is Key running out of money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX telephone : XXXX Date : XX/XX/23 Time : XXXX EST
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/year> Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by XXXX XXXX XXXX XX/XX/XXXX Payment reversed, XXXX to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was XXXX 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows 3 payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by XXXX XXXX, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX )
Consumer complaint received 2024-06-28
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. (NC)

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT WAS DEEMED UNVERIFIABLE AND REMOVED FROM MY CONSUMER REPORT. I PULLED A COPY OF MY REPORT AND NOTICED THE ACCOUNTS BACK LISTED UNDER FCRA 15 USC 1681I ( 2 ) A, I WAS SUPPOSED TO RECEIVE A WRITTEN NOTICE WITHIN 5 BUSINESS DAY BEFORE REINSERTING ACCOUNTS TO MY PROFILE. I DID NOT RECEIVE ANY CORRESPONDENCE VIA MAIL I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B.

FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.