davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Omni Financial Corp. (GA)

Hello So recently my XXXX  XXXX XXXX was towed due to allegedly being illegally parked and then repossessed due to non payment which is completely inaccurate. After being repossessed my finance company ( SETF ) would not release the vehicle without me paying a complete pay off amount which was reported to XXXX. I am an XXXX XXXX XXXX  and I afraid that if this false debt is not removed I will not be able to finance or lease a vehicle for a very long time.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay.
Consumer complaint received 2024-04-24
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)

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

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-24
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. (MD)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: Credence Resource Management, LLC (SC)

Credence Resource Management have been furnishing my alleged transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credence Resource Management is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..

15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DriveTime (NJ)

I was reviewing my credit report cause I was trying to find a place to live and wanted to be sure things were ok. I noticed a hard inquiry from DT Credit. The inquiry was dated XX/XX/XXXX. I contacted the company @ XX/XX/XXXX and they didn't know how it happened. Since, my s.s. # and signature is needed to apply for a loan or to make a hard inquiry on my report. I was told it would be escalated and removed from my report. That never happened. I called again few months later to see why it wasn't corrected. I was told that the department to fix was closed. I asked if could file my complaint again. Was told I need to call back. I then asked if someone could call me since I was on hold so long and don't have time to keep waiting for something I didn't even do. The response was no, Call back. Now I am escalating this matter further.
Consumer complaint received 2024-07-25
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. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX I pulled my credit report from XXXX and transunion and XXXX and noticed that the balance of my XXXX loan with XXXX XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every XXXX  since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with arrivo acceptance and a copy of my current credit report.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

An individual scammed me into giving him {$75000.00} and a credit card for which he was going to open me a restaurant. I did everything he asked me to do financially in the phony contract and without my permission he use the card to make over {$50000.00} and purchases that had absolutely nothing to do with opening a restaurant for me. He even went as far as becoming an authorized user on the card and he made minimum payments for a few months and by the time I found out what he was doing it was too late. I immediately called the company because responses from the culprit were unsatisfactory, and he ultimately cut off communication with me. Ive gone as far as to give Capital One his name and I offered to give them his phone number. The only response Ive gotten from them even after reporting this to my credit bureaus is that Im responsible. I pay all of my bills and I take pride in my credit but this is one that I can not pay and I will not pay. This wcam has cost me and my family over {$120000.00} and its going to ruin my credit that Ive worked a lifetime to establishplease help. XXXX XXXX Note : I put my address as the billing address just to complete the form and not leave it empty but I never received a bill from them and Im assuming that my address was shoes. Because I was not using the card and did not know the card was being used in his fashion, I never paid any attention to their email correspondences until it was too late.
Consumer complaint received 2024-04-24
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)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-06
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (MI)

I was shopping by phone at " Nordstroms '' on XX/XX/XXXX at the when I gave all of the vital VISA credit card information the person tell me that it didn't go through because the mailing address I gave them wasn't the as the VISA card address. 
I learn the next time I called the that the account is in the " Fraud '' department. I didn't initiate some fraud activity or anything. 
XXXX XXXX XXXX a person in the Fraud department said it was there because of unusual activity on XX/XX/XXXX when I mention to the representative that my Nordstroms online account wouldn't allow me to purchase online because my email for it needed to be updated because had not access to it. 
I think the problem is some one either the representative that was taking my order did it or someone cause this. 
There was never any " Fraud '' and my VISA should be on " HOLD '' now. 
I told me to come to the Nordstroms store to verify my ID to them. 
I feel like they should pay for me having to loose the items I wanted and putting my VISA on HOLD for a unfounded transaction. 
It a lack on basic communication and making a false assumption for what reason?
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-04-24
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. (NJ)

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 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Dear sir, Today, XXXX XXXX XXXX, at XXXX XXXX, I received an email from your company, Chase, which stated we posted a new notice or letter I your Chase Mobile app and at chse.com/statements. However, I found out there was no notice or letter in my Chase Credit Card account. Since I only have this three-time closed credit card, saving account, and a joint account, I request the reason why you send this email to me. If there is no answer same as most of complaints filed at the Consumer Financial Protection Bureau of the United States, I prefer to consider this email is also fraud because I have an issue, which is amounted less than {$10.00} at my hand with Chase Credit Card account. I enclosed the printout of this email. 

Sincerely,
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

Below is an email I am sending to Edfinancial services on XX/XX/2023 : Hello, This is XXXX XXXX, regarding account XXXX. 

I spoke with a customer service representative to verify the amount due and who to make a check out to and verified the address to send payment and submitted payment by mail on XX/XX/2023, more than enough time for the check to be received prior to the XX/XX/XXXX payment due date. The check, for {$20000.00} was cashed on XX/XX/XXXX. 

As of today, XX/XX/XXXX, I continue to receive past due notifications from EDfinancial, and show an outstanding balance of {$220.00}. In addition, my XXXX XXXX has XXXX, I assume as a result of this. 

I have submitted a request that the Consumer Finance Protection Bureau review the above on my behalf. 

Thank you, and please let me know what is being done to resolve this discrepancy. 

XXXX XXXX
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (GA)

I have already disputed these items with the bureaus, but they did not remove them, 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 has violated my rights. nor prove validation. 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 2023-10-12
Product: Debt or credit management — Student loan debt relief
Issue: Didn't provide services promised — 
Company: EdFinancial Services (CO)

Ed Financial is my third party student loan servicer, unfortunately for me. Around XX/XX/XXXX ( approximate date ) 2023 I made a payment on a loan- specifically XXXX XXXX - I paid {$1600.00}. This was the time they transitioned to a new platform. 

I signed up on the new platform and my payment was not posting there. I called ED Financial several times- over the course of several months - about this payment and they assured me that my payment would be posted on the new platform. However, they informed me that it could take the payment until XXXX to be posted. 

I made the last payment of {$1400.00} on XX/XX/XXXX of 2023 and this should have brought the account to a zero balance. 

Unfortunately for me, Ed Financial still has not updated this account and still showing a balance of {$1600.00}. You might be curious as to why the balance is larger than the missing payment of {$1600.00}? Well looks like they are charging me interest on what should be a paid off account. 

Over the past three weeks I have tried calling Ed Financial for an update on this and questions about a payment plan but i can never get through on there XXXX phone system with wait times over 200 minutes. They have an option for a call back and i have left my phone number twice and have not been called back yet. Ed Financial is extremely frustrating to deal with. 

Today is XX/XX/2023 and still no updated account & I am being charged interest on what should be a paid off account.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC (TX)

I opened a bank with XXXX  XXXX XXXX since XXXX. Everything was fine until now. 
On XX/XX/XXXX, I received an email that said my phone number and email addresses got deleted from Zelle, which means I can not use Zelle with XXXX  XXXX XXXX anymore. 
I called to ask reason why and what happened, they said they do not see any flags or reports that happen to my account, it might be a mistake. They suggest me to call Zelle instead. So I called Zelle and ask the same question, but instead of helping me, Zelle customer service said they can not access to my account because I enrolled Zelle on XXXX  XXXX XXXX app, so they can not do anything. But they provided me the information that my phone number got restricted and they believed XXXX  XXXX XXXX did that. So I called XXXX  XXXX XXXX again, explain to them what Zelle said to me, and they keep saying that they are not controlled anything with Zelle, they can not unblock me or unrestricted me, only Zelle can do that. 
So I decided to open a new bank which is XXXX XXXX, and it still saying that I am not eligible for using Zelle. In this case, now I believe Zelle blocked my information but they do not accept that and refuse to give me a reason.
Consumer complaint received 2024-01-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MO)

Before XXXX XXXX purchased vanilla gift cards as gifts. Now nobody is able to use them anywhere. Tried to speak to a person at vanilla and that option has been removed. Tried to report a problem with my cards and that option doesent do anything it just keeps you in the main menu therefore i think that option has also been removed. I do not know how to get my money back or spend the money on the cards. Nobody will take them.
Consumer complaint received 2024-07-25
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. (MD)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp. (IL)

I called XXXX XXXX at XXXX XXXX and was told that World Omni Group are responsible for the car being disabled. The church paid for the to be returned to me all I know is this caused me to have a XXXX breakdown XXXX XXXX XXXX due to a lack of assistance getting this matter resolved. The car note is due yet I don't have the card and stuff is reporting to my credit report as well. Then, this resulted in my son being put into Child Protective Services. Who is going to help me get my car back it is probably stolen or auctioned off by now.