davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX 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 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have spent countless hours this week since Sunday XX/XX/24 trying to find out from Equifax why my lender can not get my credit score when they pull my credit. They are able to see the report and everything on it however, Equifax is not providing them a score so they can not approve a loan for me until it is resolved. This has resulted in lost deals on purchases that I've wanted to make and is totally unacceptable. Every time I've called the representatives are extremely unhelpful and are clueless on how to help. I've escalated to a 2nd supervisor tier and being told the same thing that they don't know what's wrong and there's no one else to talk to about it. I would like to get this corrected immediately or find out if I can take legal action against Equifax.
Consumer complaint received 2023-12-04
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,
Consumer complaint received 2024-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I opened a new account with XX/XX/XXXX ( Flagstar Bank ) on XX/XX/year> and deposited {$500.00} by electronic deposit. I deposited an additional {$9000.00} on XX/XX/year>. 

They have put a 9 business day hold on my funds despite being an electronic funds transfer fromXX/XX/XXXXXXXX. See attached screenshot. 

I called the bank on XX/XX/year> around XXXXXX/XX/XXXXXXXX ). The rep I spoke to said it was the bank policy to impose a 9 day hold on new accounts, and that it was spelled out in the disclosures. I had the disclosures with me and asked her to point out where it said that. She said she didn't have the disclosures, but regardless that was the policy. 

I asked then to speak to a supervisor, the rep put me on hold for several minutes, then said no one was available but a supervisor would call back in XXXX hours. As of today XX/XX/XXXXno one has called. 

The disclosures are available at https : /XX/XX/XXXX and the document is attached. They are dated XX/XX/year> and best as I can tell are the current disclosures. On Page 33 of the document ( Page 2 of 2 of the Funds Availability Disclosure ) under " Special Rules for New Accounts '' it states : " If you are a new customer, the following special rules will apply during the first 30 days your account is open. 
Funds from electronic direct deposits to your account will be available on the effective/settlement day of the deposit. ". Under some conditions some deposits are held for 7 days, although I don't see these conditions applying to electronic direct deposits. There is no condition calling for a 9 business day hold.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I emailed the company concerning privacy policy on XX/XX/year>, XX/XX/year>, in addition to a certified letter, called multiple times, and a follow up by email on XX/XX/year> and received no response. It has also come to my knowledge that I have not receive no benefits from this transaction relating to the interest that is due to me. This application has been securitized and being traded and sold without my knowledge nor consent when I am a party to this transaction. I have not received my fair share or portion in this entire transaction to setoff the account. I have been paying with federal reserve nots via debt card when the financial institution has been selling and trading and not giving me my fair share or portion when they are supposed to fulfil their fiduciary duty. It appears that they have been double dipping and profiting and I have not received any benefits or interest from the this financial transaction when the loan has been placed into a trust and I am being financially harmed without receiving the benefits, shares, and/or interest due to me because I am party in this transaction and my social security has been used. The financial institution has yet to respond to my email and certified letter request concerning privacy policy with specifics.
Consumer complaint received 2024-06-12
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. (IA)

As always XXXX fraudulent account was disputed. This time it was finally removed as of XX/XX/2024. And then illegally Re-opened. I asked Transuinon to remove and the fix the error. They refused. 

Not only did they fail to legally follow procedures in proper notification and paperwork directly to me of the account. The fact that it has been reported numerous times as fraudulent and proven so and then improperly investigated has been issue.
Consumer complaint received 2023-12-04
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. (IL)

A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (MD)

I talked to the executive director of chase bank and she tried to beat me down cause she didnt know the law consumer law about privacy and the false information that is infringing upon me getting financial assistance from them she was very nasty and not knowledgeable of lawsand she tried to make it seem like I was XXXX cause she said she investigated the issue in which she didnt cause she said she tried to get in touch with me when she didnt.nore did she understand that the request was to open an account with the bank for my company in which the name is all over all that came with the complaint. She said I never applied and she didnt find anything involving me or my company as well as some key people like XXXX XXXX and we never applied for some assistance. And furthermore she acts like. Im less than her cause shes an Executive trying to make me feel like Im nothing. And if I have a problem thats what the CFPB is for cause shes not a lawyer. And she dont need to know U.S.C . politics. And she refuses to remove all inquiries. And she feels there are no .resolve till she gets my paperwork that I already sent to them several times
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION (GA)

My vehicle was repossessed by XXXX XXXX in the State of Georgia on or about, XX/XX/2015, and resold on or about XX/XX/2015. Under the laws of the State of Georgia UCC, O.C.G.A. 10-1-36 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. These notices were not given an violated thus law. I was not given a 10 day Notice of Right of Redemption/Right of Reinstatement '' if the car was sold at a private sale, the date of the intended sale if the lender intended to sell the car at a public auction, they didnt notify me of the time, date and location of the auction to give me the opportunity to bid on the property or bring your own bidders an explanation of your liability if I owe a deficiency balance after the sale a description of how I could obtain an explanation of how the proceeds of the sale are applied to my debt obligation a description of how I can obtain an explanation of how the lender calculated my debt obligation contact information to find out more information about the upcoming sale. 

During the end of the loan I was harassed by your customer service representatives with threats of wage garnishment and other legal matters. Under the Fair Debt Collections Practices Act you are not permitted to harass me with such attempts. I have reached out via certified mail and was ignored the following proof of documents and not reached out to by anyone of the company. I'm looking for my account with all 3 credit bureaus and responsibility  for the balance your stating I owe in collections to be removed. If not I will take things in to a legal matter.
Consumer complaint received 2023-10-14
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2023-12-04
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CT)

Hello, I receive a call a day from Diversified Consultant, Inc regarding my debt to an old XXXX phone line. I have agreed to settle debt with them but they refuse to send me anything in writing laying out the terms of settlement. They insist I have to pay it online, with them on the phone with me otherwise any payment I make will be applied towards balance. I've closed out multiple accounts by agreeing to a settlement amount and requesting something in written prior to paying anything whether on the phone or online. I want to close to debt out but they will not let me. They simply insist that I must pay it their way or not at all. I just want a settlement offer in writing so I can pay of this debt. My guess is they will charge me and just add it towards the balance. They say they've sent me letters in the past but I've not received a single settlement offer in writing despite any request and pleadings with them for 10-15min per day per phone call.
Consumer complaint received 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I made a purchase through PayPal due to their claim of providing " purchase protection ''. I purchases a set of mint condition wheels from a seller of a business. I sent the seller the payment on XX/XX/2024 including the amount for the wheels and actual shipping cost. Seller then had the tires removed and sent a picture of the wheels without the tires. I notice a marking on one of the wheels and just thought it was residual rubber and didn't think twice it was damage as the seller know the wheels were very expensive and I reiterated many time they are no longer made. Seller did damaged the one wheel and then proceed to send the wheels instructing XXXX to not pack the wheels with any kind of protection. Thus incurring more damage so he can blame the damages on XXXX. After contacting the seller with no resolution I filed the case with PayPal. I submitted countless photos of the damages and detail documentations of the conversation and proof showing the wheels were already damaged prior to shipping along with estimate of the repair cost from the manufacture. PayPal wasted over 60 days of my time and with no proof by seller closed my case in favor of the seller even though the entire case was one sides with proof and documentation provide only by myself. I am no forced to keep a set of wheel in the condition other than what I paid for. PayPal did not do their job as I provided countless documentation clearly proving the case. Any imbecile can ease see the case was clear by the photos, screen shot of the conversation, detailed time lines etc.
Consumer complaint received 2023-09-18
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: Experian Information Solutions Inc. (MI)

i checked my credit report and noticed i had inquiries that i didnt make or authorize 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
Consumer complaint received 2024-06-04
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. (CA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions XXXX XXXX XXXX {$160.00} and XXXX XXXX XXXX {$2000.00}.
Consumer complaint received 2024-05-19
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. (FL)

I subscribe to the XXXX XXXX XXXX advertised and the system does not work. I pay my utilities on a weekly basis yet the system system no payments found. Today I checked again. The accounts under XXXX XXXX show the item BUT does not update my account or XXXX. I have removed the accounts and added them back to the credit report, this still does not update or XXXX the credit. I also have checked other reporting agencies and they all have a much higher score also shows my XXXX loans are paid off. Experian is the only credit reporting agency that does not update my credit to show the most accurate information for payments.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (CA)

To whom it may concern : Experian XXXX XXXX XXXX XXXX XXXX XXXX I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 Inquiries XXXX XX/XX/ Experian I would like to formally request that the inquiries listed below be deleted from my credit report. I have not authorized these companies to view my credit history, so they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately.

Yours Truly, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX - XX/XX/2022 : XXXX - XX/XX/2022 : XXXX  - XX/XX/2022 : XXXX XXXX - XX/XX/2022 :