davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF / LEAD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-30
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.
Consumer complaint received 2024-02-21
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. (CA)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts and provide me with the method of verification, as well as whom they spoke to at each creditor. They sent correspondence back stating everything was verified and correct and no information on how information was verified. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. I have enclosed copies of my report with the inaccurate information.

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 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

I am disputing the name information reported by XXXX on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I have the right to challenge inaccuracies or outdated information. XXXX will not removed the incorrect name variations, their should only be one NAME one ADDRESS and one PHONE NUMBER this is negatively affecting my creditworthiness. If you cant get that part right I question the validity and accuracies of everything in this report.
Consumer complaint received 2023-06-19
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: CREDIT ACCEPTANCE CORPORATION (NC)

Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the MOV was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below. 

As you know, in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet ( XXXX ), the courts ruled each and every time that the CRA couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

per complaint # XXXX First of all i emailed XXXX and called her multiple times back in XXXX and never got a reply. so i had to make a XXXX complaint with cfbp about that and then XXXX finally gave a solution for the prepaid edd card. but i also included a issue regarding the regular checking account being closed wrongfully. and then she got me in touch with someone named " XXXX '' and he was very rude, talked over me, and lied. XXXX said '' i can send the reviewal for overturn of the decision not to open your account again '' so when I asked him you said again so please tell me when was the first time this reviewal of the decision was done? '' And XXXX replied " I didn't say that '' then he kept talking over me and was very rude and hung up the call on me.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

This is my fourth attempt to resolve this issue. In XX/XX/XXXX, I used Bank of Americas online bill pay service to send a check to my church. The bank sent a paper check that never made it to the payee. Someone stole the check and took it to a Bank of America branch to either be cashed or deposited. Bank of America processed the check and paid this person using a fraudulent endorsement. 

This fraud was detected in XX/XX/XXXX when I received my XXXX  year end contribution letter and this one contribution was missing. Not counting the request for the check copy front and back, I opened a case with Bank of America in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Bank of America allowed someone to steal from me and my church, and they will not make it right.
Consumer complaint received 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (GA)

GoodLeap is financing a project completed by XXXX XXXX. I have shared with GoodLeap that XXXX XXXX used deceptive practices to sell a product that can not provide the services that were offered. GoodLeap has opened up a case against XXXX XXXX earlier this month, but since 2022, I have been attempting to get this issue resolved with XXXX XXXX while being held accountable to fulfil my contractual/loan obligations to GoodLeap. The services offered/sold were never provided due to XXXX XXXX XXXX lack of knowledge regarding solar policies in Georgia. I was locked into a contract from a system sold/installed by XXXX XXXX which was to supplement my utility bill, but failed to do so. Once I made XXXX XXXX aware that the system was not fulfilling its obligations, they informed me " towards the end of last year XXXX XXXX and the whole state of Georgia changed the way they buy back solar due to some kind of laws/policy which we have no control over. They use to buy back solar power at a higher rate than they do now. '' Meaning if proper research would have taken place, XXXX XXXX 's sales rep. would have known of a change that took place a year earlier. Evidence of this message is available if needed. Being that the system XXXX XXXX install is not capable of fulfilling its obligations, there is no way I should be obligated to have to fulfil the XXXX loan I am currently responsible for with GoodLeap. I am currently paying for the system that is being financed as well as the utility bill that was not supplemented.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

XXXX XX/XX/XXXX, I mailed a Wells Fargo check for {$34000.00} to the Tax Assessor 's office in XXXX XXXX to pay property tax for nine properties I own. The check was intercepted in the mail and was washed changing the payee 's name. I noticed that this check was cashed but another check was not that was mailed in the same envelope. On or about XX/XX/XXXX, I received a call from XXXX XXXX saying that someone was cashing this check. I told them not to cash it under any circumstances. Somehow the check was cashed anyway. I then contacted Wells Fargo and reported the fraud. They said I would have to file a fraud claim and they will send me the Affidavit of check fraud. After a month, the form never arrived even after 2 more requests. On XX/XX/XXXX I when into my local branch and completed the form. I was told that the matter would be resolved within 10 days. After 10 days I called to inquire about the claim. Over the next 2 weeks, I spoke to 4 different people each one with higher authority than the other, and received no update or help on resolving this matter. Each person I was referred to knew another about my claim or had anything in their system about my claim. Also, the said is that we are doing the best we can do, we have turned this matter over to XXXX and declined any provisional credit. The last person I spoke with referred me to their executive office and they would get back to me. A few days later on XX/XX/XXXX, I received a message that they need 10 days for a response t my complaint. On XX/XX/XXXX, I receive another message saying that they needed another 10 days to respond to my complaint. On XX/XX/XXXX, I received a message that they were closing my claim because of insufficient information and that they have not been able to contact me. I never receive a call from Wells Fargo. After several attempts, I was able to speak with the person assigned to my claim on Thursday, XX/XX/XXXX. He research the matter and spoke with management in the Executive office and promised me that they would escalate my complaint and contact me by phone. I have yet to receive a phone call. The check I wrote was for property taxes and Wells Fargo 's lack of attention to this matter is causing me financial hardship. To prevent fines and late fees I had to take out a loan to pay the property taxes. My concern is that WF is not engaged in resolving this matter. I have been put off and put off and may have to solicit legal assistance. They will not give me any information about XXXX or the branch when the check was cashed. I have filed a police report. My case number is # XXXX. I am seeking provisional credit and this case is expedited.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (GA)

XXXX XXXX charged a late fee to my account for XXXX of this year because my payment came late. I called and asked if I could have the fee removed. The person I spoke with said they noted it and that the fee will be removed and reflected in the XXXX bill. The paper bill I received had showed a minimum amount that reflected the fee still there as well as my XXXX payment having not been received. I knew this was incorrect, and their website doesn't pull up on my computer and I've been trying to register for an online account since I opened the account over two years ago at this point. So I called customer service to get the actual minimum for the XXXX bill. I was quoted a number that clearly reflected the late fee from XXXX I was told would be removed. The person on the phone insulted my intelligence by saying the person you spoke with earlier misspoke and said they remove the fee from my total balance after I pay it. How is it a fee removal if the fee is " removed '' after I give you money for the fee. I don't appreciate being lied to nor condescended. I then called back and asked about the dispute process and was pointed to their web page that customers are expected to print out, fill out, and then send snail mail to some address in South Carolina. This is from a company that on their online portals and every paper bill encourages us to go paperless with their " XXXX '' website that has not allowed me to register for it since I've opened this account. This leads me to believe the dispute process is a formality, farce, and nothing they actually take seriously. I want to dispute the fee and I want it removed from my due balance immediately like I was told it would have been.
Consumer complaint received 2023-05-02
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. (OH)

On or about XX/XX/2023 I requested that Transunion conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however Transunion was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. Transunion was not able to validate the debts but yet said they had.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CT)

I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616.

I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification
Consumer complaint received 2024-06-06
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. (MA)

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 2024-06-21
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. (TX)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX and I came to an agreement that I would transfer the property in question back to them in XX/XX/XXXX and I signed an agreement to return the deed and they via email agreed to stop all collection and potential foreclosure action. A contract was signed in XX/XX/XXXX. I NO LONGER OWNED THE PROPERTY SINCE XX/XX/XXXX AND A COPY OF THE SIGNED DEED TRANSFER WAS PROVIDED TO EXPERIAN. THEY CONTINUE TO REPORT IT DELINQUENT THROUGH XX/XX/XXXX IN ERROR. 
After numerous complaints they still state the " Information is correct '' even after getting evidence of the signed copy of the property " transfer of deed ''.

I DO NOT BELIEVE IT WAS EVER INVESTIGATED PROPERLY. 
The WRONG INFORMATION remains on the credit report in violation of USC 1681. Experian Information Systems continues to violate my rights in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX... ; Id : XXXX. 
I tried to dispute the case again on the Experian website and their response is : " the information submitted is irrelevant ''.

They are in violation of 15 USC 1681, s-2, ( A ) ( 1 ) they 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.

RESOLUTION : 1 ) Enforcement of 15 USC 1681 - Remove the incorrect / disputed account. 
2 ) Complete removal by XX/XX/XXXX XXXX ) If not removed with confirmation by XX/XX/XXXX I will file for criminal charges with the TN Attorney General. 
4 ) Also will seek services of counsel for complaint to be file in Federal Court.
Consumer complaint received 2024-06-21
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. (OH)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (CA)

Convergenr outsourcing is reporting a collection account for sprint that was opened in 2019 this account is not mine and I have disputed and requested verification that it belongs to me. They do not verify and continue to report and change information. I had disputed with XXXX and they had deleted it and then convergent outsourcing reported again as past due. They have not sent any bill and continue to not verify this debt. XXXX also does not investigate and validates the debt in less than a day. Indicating absolutely no investigation.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2023-12-19
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)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.