davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (GA)

I have had issues with my credit report over the last year in regards to identity theft. I had credit freezes and fraud alerts placed on my credit reports. I recently removed these alerts and freezes a month ago. I received email notifications yesterday on XX/XX/year> that a person acceded my credit file to which I seen a 1 new inquire on my report from a company by the name of XXXX  ( finance ) it appears someone attempted to get a car loan using my personal information. I also see other inquires that I did not authorize it appears XXXX tried to get a credit card using my information on XX/XX/year> the company name is XXXX. I also see someone attempted to get a car loan on XX/XX/year> using my information in which 6 inquires were added to my report that I did not authorize. The companies in which the 6 inquires on that day originated from are XXXX XXXX XXXX XXXX Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX  ( Bank ) XX/XX/year> XXXX  XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> I demand these inquires be removed due to the fact it wasnt me that inquired to these companies to receive goods and services XXXX
Consumer complaint received 2022-11-24
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. (CA)

XXXX XXXX admitted fault at reporting my history incorrectly. I have never been late and always been on time with my payments. They promised to remove late payments due to the fact that they failed to send me monthly statements. Representatives assured me that by the next billing cycle on XX/XX/2022 they will report everything current with no late payments. We are now in XXXX and they have not fixed their error.
Consumer complaint received 2024-10-28
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Bread Financial Holdings, Inc. (CA)

My account is being handled by a XXXX  party to settle with my Comenity Bank- VS account. This third party tends to automatically withdraw my payments as scheduled, and apparently, the last payment posted happened in XX/XX/year>. After that, in XXXX, XXXX, and XXXX, all payments were not processed, affecting my credit. I tried to contact this third party via phone and no answer ( only ROBO messenger of waiting ). No correspondence or email at all was ever received. I have tried to contact Comenity Bank VS Representative and apparently, they do not even have the information of the third party settling my account only referring to a telephone number to contact them. 
May I request your kind assistance in helping me in investigating this XXXX  party and its relation to Comenity Bank. 
Thank you, XXXX
Consumer complaint received 2023-07-12
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. The require the 3 credit bureaus to validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2024-10-03
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-03
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. (PA)

I am XXXX XXXX, and XXXX 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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-03
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX BANK XXXX Account Number : XXXX Account Name BANK XXXX XXXXXXXX Account XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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/updated.

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.

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!
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc. (CA)

I purchased a vehicle from Carmax XX/XX/year>, and financed through XXXX XXXX and the car sold to me was sold with a stop and unable to register. I was not able to register the car and the temporary tags where expired. I could not drive around a car that was not registered. I asked to get a loaner in the meantime, while Carmax was trying to fix this situation, which was very stressful. Eventually, Carmax advised that the car was unable to be registered, and they needed to buyback the car. I purchased another vehicle from them in XXXX and the buyback covered the loan from XXXX XXXX and they sent me a check for the difference, and I didn't owe CarMax anything. They in fact owed me and sent a check. 

On XXXX XXXX Carmax auto finance attempted to debit my account {$350.00}. My account had no funds in it, so the debit was unsuccessful. I called both Carmax and Carmax auto finance to advise and inquire why the attempt happened. I finance through XXXX XXXX and make my payments through them in the amount of {$520.00}. I got transferred to several people and finally was advised to send my banking info with the attempt to XXXX explaining the situation. They said they couldn't find any attempt or why. On XX/XX/year>, a {$200.00} debit plus a {$20.00} fee was debited from my account from Carmax auto finance. I called again to ask why my account was being debited and still couldn't get an answer. I had to call my bank and was advised to change my account number as the stop placed on the first attempt was not successful. The bank advised that if Carmax had my account information they could debit my account simply by changing a letter or name. I had to change my whole account, which is an extreme inconvenience. That bank account is where my payroll is direct deposited to, and I had to stop my incoming check. This will delay my paycheck and other payments. 
This whole experience with Carmax has been extremely unprofessional, and stressful.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

On XX/XX/year> I tried to transfer XXXX dollars to my account at XXXX XXXX XXXXXXXX. the account hasXXXX. Once i left the bank i later saw on the same day that the transfer was cancelled and reversed back into the account at SOFI bank. They then informed me that the account has been frozen and that i needed to submit a picture of my ID, back and front. I also had to send a photo of my face to verify my identity the same day. I then received a confirmation with a blue check stating that it was confirmed. I then called back to follow up on XX/XX/scrub> XXXX they stated that they did not receive the pictures and that i was to resubmit the photos. once i complied i was told that my account would be released on friday XXXX XXXX, i waited until then and called again. i spoke with a young that told me that she could not give me any information on why my account was frozen initially nor could she update me with time or day my account would be unfrozen.
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO. (TX)

On Monday, XX/XX/year> my physical debit card was canceled automatically by Chase bank due to a fraudulent charge attempt and a new card was being sent to me via mail. 

While awaiting my new card, I only had access to my checking account with Chase ending in XXXX, through a digital card provided by the Chase Mobile app. I had bills past due as I work a 9-5 job Monday-Friday and could not make it to a branch to deposit cash I had. 

On XX/XX/year> I used my digital Chase card with my pin to access my account via a Chase ATM outside of the branch location on XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, at approximately XXXX. I was able to login and enter my pin number and select the " Deposit Cash '' option. The ATM cash insert slot opened and I deposited {$800.00} in the ATM. 

The ATM continued to make a humming sound and the screen stated to call " Customer Service. '' It did not print out a reciept for the money I just deposited and I immediatly called Chase to inform them of the error. 

After speaking with the representitive, she told me that no one was available to go to the ATM and get my money back. I told her I would wait at the location until it opened at XXXX. She stated the tellers could not help me and that was a seperate entity from the bank. She was able to provide me with temporary credit of {$800.00} until the claim was closed. 

On XX/XX/year>, Chase Bank took {$800.00} from my account and said they where not able to locate the cash deposit in the ATM. I was extremely upset and told them I wanted to see the video footage and asked them if they saw me depositting cash. She was not able to provide that information to me and did not say anything. I have asked them to provide me footage of that date and time and they continue to say they can not help me.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NC)

Date : XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : Debt Validation Request To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt. 
A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.

3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied.

5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold.

9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments.

If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights.

I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Consumer complaint received 2024-10-03
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. (FL)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Skrill USA, Inc. (MO)

On XX/XX/year> I went to an ATM to withdraw cash. I put in the wrong PIN.The company ( Skrill ) in locked my card. I have no access to {$1200.00}. I went home thinking that this would be an easy fix. It has been anything but easy. It's been over XXXX hours and I am still locked out of my account.They want me to provide a picture front and back of my ID next to my face. I have done this 3 times. With multiple pictures each time I have sent them. I went in to my photos on my phone, and noticed that everything was clear and easy to see. Except for my ID. I have submitted photos XXXX separate times. I also called the company. On the morning of XX/XX/year>. They told me that I was just going to have to wait, and that it wasn't a big deal. I have no money, no groceries, and can't afford to get to work tomorrow. I googled reviews about Skrill, and they are notorious for blocking people from their money. Seems like this company is not doing what it should be. It's harmful to my mental health.