davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists The XXXX  XXXX bankruptcy needs to be deleted from my credit reports.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (SC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent a certified letter to each of the XXXX credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports. XXXX Account opened, XXXX, XXXX XXXX Experian, XXXX INCONSISTENCY! 
Another example, XXXX has account still open while Experian XXXX XXXX have it closed- INCONSISTENCY! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.
Consumer complaint received 2018-03-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (FL)

I paid almost a year and a half on time and recently I have been going through some financial hardships and I called Santander to assist me with a payment plan. They gave one but they have still been reporting negative late payments on my credit report.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have signed up with an account on XXXX XXXX and after signup initiated information to begin transfers from external accounts. The following day my account was XXXX and customer service noted my account was under review. XXXX days later they initiated transfers worth > {$150000.00}. After multiple calls to customer service and in-person visit to their office, they still will not allow access to my funds. They claim to need to verify my identity but ( XXXX ) will not tell me how nor give me the opportunity to do this and ( XXXX ) this should have been asked before they initiated transfers from external accounts to XXXX and locked me out of access to my funds. I am continuing to deal with this issue and keep being passed around from customer service rep to customer service rep and no one will unlock my account. After demanding they transfer the funds back to their original source they refuse. I asked to speak with their review department, and was told they do not have a means for me to contact them. I still do not have access to my funds and they refuse to enable access to my account. 

I have contacted the company on the following dates to try and get this matter resolved : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have spoken to multiple customer service representatives with no resolution.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I have a late payment on the First Premier account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} ; XXXX XXXXXXXX Balance {$370.00}
Consumer complaint received 2023-11-07
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)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a late payment on the First Premier account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023 I mobile deposited a check in the amount of {$6400.00} addressed to my XXXX as I am XXXX XXXX XXXX XXXX XXXX XXXX  I previously had a business checking account with Chase and was unaware it was closed due to inactivity so the check went to my personal account. Once the check was deposited I received an alert that hold was placed on the check due to the payee name and was advised if the issuer confirmed the check could be paid to me as well the funds would be released into my account. The fraud specialist found the phone number of the issuer on their website and contacted the accounting department to verify the check can be paid to me as well. The account department confirmed it can be paid to me and my business. The fraud specialist stated a note would be sent to back office team and the restriction would be lifted same day within XXXX minutes. I attempted to use my account the next day and the restriction was still on the account. I called Chase fraud department again and they said back office would not remove it because the phone number was not verified in their system. They asked for another verified phone number and I gave them my clients corporate phone number to verify the check and they advised that was not a good number as well. I was advised to go into a branch and show proof that this is my business in order for the restriction to be lifted. On XX/XX/2023 I went into the branch and the branch manager verified my business from Secretary of State and verified my XXXX name that was on the check. I was told to reopen a new business account in order for the restriction to be lifted. I opened the new business account. On XX/XX/2023 I called and was told the restriction still will not be lifted because Chase still has to verify the check with issuer through a verifiable phone number not on google or the client website even after I went into the branch and provided all documentation. I advised these were the only phone numbers my client provided me with and this is my business and that a previous specialist has already verified with accounting. My client advised me that the check cleared their account on XX/XX/2023 which means Chase has been holding my funds for more than 14 days with no explanation and no sense of urgency to release my funds. I have provided all documents and phone numbers and this issue is still not resolved.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX  XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I bank with Bank of America. I have a savings account and a checking account that were affected. I had two unauthorized withdrawals from my checking account. one totaling XXXX dollars and the other totaling XXXX dollars as well. both withdrawals were done on XX/XX/23. My first checking account is now negative XXXX dollars. BofA can't explain why this is. Then i had an unauthorized withdrawal from my savings account. 
In the amount of XXXX They said they shut it down so the only credits and not debits could happen to my savings. this happen on XX/XX/23. So I filed a claim on this as well. 
I saw a credit for XXXX go into my savings account then a debit for the same amount. that happned on XX/XX/23 I included it on my claim. they cant explain how this happened. I filed a affidavit of claimant for unauthorized remotely created checks. I called today XX/XX/23 and still no explanation of what's happening to my accounts and I was told I might need more paperwork.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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. XXXX Account # XXXX, XXXX XXXXXXXX ( late payments ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

I also understand that according to federal law 15 U.S. code 1681s-2 ( a ) ( 1 ) ( F ) ( I ), an accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the cover period
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-08-29
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2023-11-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (TX)

I went to the PNC Bank located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, on XXXX to apply for an unsecured personal line of credit in the amount of {$25000.00} and was not approved ( Not only was I not approved, but I wasn't allowed to even view, review nor give my approval before the application was submitted ). With being denied access to my securities and with the security agreement being retained even after exercising my right to rescind, they are committing securities and commodities fraud and identity theft.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (GA)

After making a payment on XX/XX/XXXX, I received a letter stating that i was behind XX/XX/2024 XX/XX/2024 and XX/XX/2024 after thinking that I had paid the XX/XX/2024 payment. I received a letter sating that i had until the XX/XX/2024 to make a XXXX or repossesion payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This caused me to get behind on a contract that I was waiting to get caught up on for payment.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.