davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (LA)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (CA)

Experian has willfully violated the FCRA 605b. They refuse to block fraudulent information on my credit report within the legally required 4 business day time period from the date of receiving my FTC Identity Theft Report, XXXX XXXX Police Report, and all required identity verification documents. Furthermore, the company refuses to provide any basis for declining my legally mandated blocking request. I have contacted the FTC, XXXX XXXX Police, and Consumer Financial Protection Bureau for assistance with this matter as well. This has been an ongoing issue that has devastated my life by making me ineligible for personal or business loans, credit cards, or auto loans with reasonable interest rates. In addition, Ive spent hundreds of hours in anguish and torment trying to resolve this issue. I even pay Experian for a Premium ID Theft Assistance service and they still wont help or follow the law. Just take my money and make my life miserable. As someone on the XXXX XXXX dealing with Experians criminal negligence makes me spiral into despair on a regular basis. Preventing me from living a normal happy life.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act these accounts XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I do not owe this amount. In fact, DRS owes me credit balance. I pay as ordered per wage attachment and order on arrears. See documents as attached. MUST be removed from credit report files ASAP. Please confirm.
Consumer complaint received 2024-10-22
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. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, Phoenix XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- Equifax has relisted 15 fraudulent inquiries.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (TX)

In accordance with the Fair Credit Reporting Act Amerassist AR Solution Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 




XXXX AR XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PR)

I received a letter from CAVALRY PORTFOLIO SERVICES, with Account # XXXX, indicating that there is an account in my name with a XXXX XXXX card that owes over {$1500.00} dollars. I have written to them multiple times to indicate that I do not have and have never applied for a XXXX XXXX credit card, that the account is not mine, that there must be an error or that I was a victim of fraud. I have asked them several times to tell me which XXXX XXXX store the purchases were made to show them that it was not me, but they do not send me the information. I maintain that I have never had or applied for a XXXX XXXX credit card. I request that they provide me in which stores the purchases were made, information that I have asked them several times and they have not provided me. They maintain the position that the information is correct, which I oppose.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (FL)

Good day, I have bought my XXXX XXXX XXXX XXXX as a used vehicle for {$18000.00} which comes up to {$22000.00} on XX/XX/XXXX. Every since I was making payments of {$500.00} some months insurance off my loan of {$440.00} per month to reduce the principle. I have overworked in my medical field during the pandemic and subsequently exacerbated my XXXX XXXX XXXXXXXX from injuries ( XXXX on. XX/XX/XXXX ). I have missed about two payments and spoke to Wells Fargo several times during the pandemic and to the end of the pandemic about my illness and to reduce my interest rate or change my payment date from XXXX to the first of the month. Since COVID-19 outbreak started ; however, XXXX XXXX XXXX XXXX XXXX XXXX Im early XXXX. I have decided to make the payments in the back from my debit card. Recently, I paid off my loan amount XX/XX/XXXX, in the sum of XXXX inside the bank ( branch ) as I normally do ; but I relieved that the bank was charging me later fees from XXXX until the day I paid off the loan of {$44.00} each month the wrong/later fees were applied to my loan. This is over {$600.00} dollars or more. When I asked about this the representative would drop my calls. Now, Im still seeing balance owed of {$5000.00} on my Credit when I check XXXX, XXXX and XXXX. I need my statements from year XXXX to current but they ( Bank ) refused to send or speak to me. My loan is due XXXX of each month except on weekends and my grace period is 15 days, but why am I charged late fees {$44.00} when I made payments on the XXXX, XXXX, XXXX or XXXX of the month. These are the days when my VA compensation payment posted. I need answers and removal of these late fees from my credit and what is owed back to me. 


Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (FL)

In 2020 I acquired very high medical debts related to the Covid epidemic. I was informed by a debt lawyer that I could dispute the debt, but never received any notice of this debt until it was on my credit report. I tried several times to dispute it but the credit company is not offering me a fair dispute. I would like this removed immediately because it is an unfair debt that will not be paid. XXXX XXXX charged me for a helicopter ride to the farthest and largest hospital that was unjust, forcing a debt onto me. There was a smaller and well equipped hospital not even 10 miles away from the scene of my accident. I was fully aware and awake at the time of my incident, and they were legally obligated to verify with me my preferred form of travel to the hospital. Instead of a few XXXX for an ambulance, they chose the most expensive mode of transportation possible and stuck me with a $ XXXX debt for uneccessary and unauthorized mobile transport. The decision was made by someone else on my behalf and did not allow me any choice in the matter.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
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. (CA)

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX Account XXXX : XXXX Date of Late Payment : MayXX/XX/year>, XX/XX/year>, XX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (OR)

I believe the previous owners of Cedars Financial and XXXX XXXX are still operating under Cedar Business Services attempting to collect debts that are invalid. They were banned from operating in 2019, but I believe they are linked to and still operating under Cedar Business Services. 

https : XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

This debt collector XXXX XXXX XXXX is trying to collect on a debt from XXXX XXXX XXXX in the amount of {$7900.00} that is not mine and is a result of identity theft. I have no knowledge and I have requested the signed purchase agreement as well as proof of ownership for this account. I have requested to have this account removed from my credit file immediately because it is affecting my credit score and ability to purchase my first home.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CT)

On XX/XX/2023 I went to a restaurant, used my new Keybank debit card and my transaction was declined. I was very confused, but thought something was wrong with the activation of my new debit card. I had just activated it the day before. The next day, I called the local branch to see what had happened. I was told that my account was under investigation because a deposit was made from a XXXX account but the names didn't match up. This is simply because I use my business name for my XXXX, not my actual name. I had done this for four years with my prior account that was at the same bank, without incident. The deposit amount was very small ( five cents ) because it was a standard verification deposit that is done whenever someone links a XXXX account to a new debit card or checking account. I was told that if I came into the branch and showed my ID, they would lift the restriction. Keep in mind, at this time, I was unable to even log into my online banking to see the status of the account or how much money I had. When I went to the branch to show my ID, they told me they were unable to lift the restriction. They called the fraud department and the person who flagged my account refused to lift the restriction even though I was at the branch showing my ID and saying that it was okay, there was no fraud going on. I was told that it could take up to ten business days for them to decide what they wanted to do about the situation. I would have no access at all to my account or my money for ten business days. I was devastated. The next day I directly called the fraud department at Keybank, spent 44 minutes on the phone with them, and was told the same thing. They also said that it was entirely up to this one man ( the man who flagged my account in the first place ) to lift the restriction. I feel financially violated, disgusted, and that this whole situation was a huge breech of trust. I don't see how what they are doing here could possibly be ethical or legal. As it stands, I still have no access at all to my account, my funds, and no clue when the situation will be resolved. It feels like my account was hijacked by Keybank and that nobody will help me. I highly discourage anyone from using or trusting this institution.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC (TX)

I am writing to file a complaint against BMW Financial Services regarding an issue I am experiencing with my online payment portal. 

I recently discovered that the online payment portal for my account was no longer accessible. This has prevented me from paying off my auto loan, which is causing me significant stress and potential harm to my credit score. 

I have attempted to reach out to BMW Financial Services multiple times but I have not received a satisfactory resolution. 

The inability to access the online payment portal is unacceptable, as it hinders my ability to manage my account effectively and make my payment. I kindly request that BMW Financial Services restore access to the online payment portal so I can make payments promptly. 

Thank you for your attention to this matter. I hope for a swift resolution to this issue.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NJ)

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the accounts from my file. 
XXXX XXXX XXXX : {$120.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I was attempting to make a purchase of {$3000.00} but was being prevented from doing so, even though I had {$3200.00} in my account at the time.

Their in-app chat customer service agent told me that I was trying to purchase from a suspicious merchant. This was odd to me, considering that they had already done their due diligence by reaching out to me at the time of the initial attempt to confirm that the transaction was legitimate.

I took them at their word and waited a few hours before retrying as suggested. Upon retrying, the transaction still failed so I contacted their customer service department via phone. This time, I was given a completely different excuse. The customer service agent said that I was attempting to make a purchase which exceeded my daily limit. This prompted me to inquire about my daily limit, which the agent told me was {$2000.00}. I found this SHOCKING
. Ally 's own FAQ section has a question and answer that reads as follows : " Question : Will my Ally debit card have limits?

Answer : Yes. During the first 30 days, you can use your debit card to make up to {$2000.00} in purchases and {$1000.00} in ATM withdrawals per day. After 30 days, your daily spending limit will be {$5000.00}, and {$1000.00} for an ATM withdrawal. If you have special circumstances and know you'll exceed this amount, call us
in advance at XXXX to set up a one-time, extended limit. '' I have been an Ally customer for well in excess of the 30-day timeframe mentioned in the excerpt above. I brought this up to the customer service agent who then placed me on hold while he allegedly " tried to solve the issue ''. In hindsight, I believe that his intention was for me to grow impatient and hang up the phone.

The agent later came back on the phone and expressed that he reviewed my information with his supervisor and realized that my daily spending limit is actually {$5000.00}.

I persistently remained on the line, only to be told at the end of this hour-long phone call that I was not able to use the funds in my account to make the purchase that I was trying to make, but I should wait for " a while '' before retrying again.

The agent returned with yet another alternate explanation. " It wasn't Ally 's fault that the transaction is being blocked. It is XXXX. They have identified security risks with the merchant. '' At the time of making this complaint, I am still on hold, waiting to be connected to the aforementioned agent 's supervisor.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance to the Fair Credit Report Act, this creditor XXXX XXXX Bank has violated my rights under 15 USC 1681, Section 602, states that I have the right to privacy.

15 USC Section 1681, Section 604 A, Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on Transunion but XXXX and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but Transition and XXXX have already removed this account XXXX- original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different