davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (KS)

In XX/XX/XXXX I went to XXXX to have my transmission fixed. XXXX said that they could finance me and put me in touch with American first financial. And I was able to get a loan through American first financial {$70.00} down and {$110.00} biweekly. The total loan was {$2000.00}. I was looking through my paperwork and seen that from XX/XX/XXXX to XX/XX/XXXX only {$200.00} was posted and taken off of the actual principal. I called American first financial on XX/XX/XXXX. The representative said I would had to pay it off within 101 days in order not to get any extra charges. Then the representative came back and told me if I would pay {$700.00} they would call it even. I declined as I wanted to get home and look at my contract. The representative told me that they were fees and not interest rates. 
I got home and the Annual percentage rate is 144.56 %. So Im alone thats {$2000.00} XXXX end up paying {$6000.00} If I continue to pay it until XX/XX/XXXX. 
I also called XXXX I did the work on my transmission and referred me to this third-party lender. I asked XXXX who answered the phone at XXXX who said she was the manager why would you send your customers to such a scam loan place that is deceitful and are praying on people who are in desperate need of getting their car fixed. XXXX from XXXX were not speak with me and hung up on me. That was on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-14
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. (NV)

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 a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1300.00}
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have disputed this with the three credit bureaus XXXX, TransUnion and XXXX. 
All three credit reporting agents are reporting a balance on accounts that have been charged off. The balance should report as XXXX.
Consumer complaint received 2023-10-16
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting on my credit report. all data listed is illegal an reported incorrectly. this has been an ongoing issue that needs to be resolved. ive listed all items In question to be removed. please review an delete all information listed to correct my credit report asap.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was withdrawing funds ( {$440.00} ) from my checking account at a walk-up Bank of America ATM in the evening on XX/XX/23, and received an error message that said, the transaction was approved but for security purposes your card has been restricted, call the number on the back of your card. No money came out of the atm. 

I called Bank Of America customer service, and they told me the XXXX came out of the account anyway, and they said they were filing a claim that night. They said they would expedite the claim so the funds would be returned the next business day. 

Monday morning, I call and they say there was no claim filed, and I filed a claim again. They said they would expedite it again. 

Later I call in today, they say my claim was denied immediate review, and that they can hold the {$440.00} that I never received that was in my account for up to 45 days.
Consumer complaint received 2023-10-16
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. (MI)

Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.
Consumer complaint received 2023-10-16
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. (FL)

Subject : Request for Removal of Bankruptcy from Credit Report Dear Equifax, I am writing to request the removal of a bankruptcy record from my credit report. After reviewing my credit report, I noticed that a bankruptcy filing is being reported, which is inaccurately reflecting my credit history. 

To facilitate the removal process, I have attached supporting documentation that verifies the bankruptcy listed is inaccurately reporting. You list XXXX. This means the bankruptcy was a XXXX XXXX bankruptcy but converted to XXXX XXXX. Do you have supporting documentation for this? You list this on your website under my name and social. I will provide the proof for your records. 

I kindly request that you investigate this matter promptly and delete the inaccurate reporting of this bankruptcy record on my credit report. I understand that accurate reporting is crucial for maintaining a fair credit history, and I trust that you will handle this matter with the utmost professionalism and diligence. 

Please provide me with written confirmation once the bankruptcy record has been removed from my credit report. Additionally, I request that you notify any third-party entities that may have accessed my credit report during the time the bankruptcy was inaccurately reported. Note : XXXX XXXX has no record of this bankruptcy record, yet you state they certified this information as correct to you. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided below. 

Thank you for your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-10
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/2023 to remove accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again., =XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} =XXXX XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2024-04-05
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. (FL)

In my complaint, I am addressing the fraudulent accounts recently added to my credit report due to identity theft. These unauthorized accounts were discovered while I was in the process of purchasing a home, significantly impacting my ability to secure favorable financing terms. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, which entitles consumers to access their credit reports and dispute inaccurate or fraudulent information. The inclusion of these accounts without my knowledge or consent has caused severe damage to my creditworthiness and jeopardized my financial goals. This conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities.
Consumer complaint received 2024-04-05
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)

to whom it concerns I sent certified letters to the credit collection agencies alerting them that they are reporting bad information and they are reporting incorrect accounts I ask them to delete the inaccurate information and they did not do so, I sent my letters to XXXX, TransUnion, XXXX and they did not respond are delete what I told the to delete in my letters
Consumer complaint received 2023-10-16
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: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. 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 suppose to modify accounts that isn't reporting correctly.

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 2023-10-16
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. (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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. 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 suppose to modify accounts that isn't reporting correctly.

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 2024-04-05
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. (UT)

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX, XXXX, XXXX, XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them. 
I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Consumer complaint received 2023-10-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I never kept the XXXX XXXX and returned all equipment in working order in the time frame allowed for a full refund. I do not owe anything on this account, it was closed within 30 days of opening with all equipment returned. This is not a valid charge or debt.
Consumer complaint received 2023-11-13
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. (FL)

On XX/XX/XXXX I was checking my credit reports to make sure things are accurate. I noticed all the hard inquiries are unauthorized and I didn't apply for any. I sent a letter to all credit agencies and it hasn't been deleted
Consumer complaint received 2023-10-16
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 living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.
Consumer complaint received 2023-10-16
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. (TN)

I did not authorize this on XX/XX/XXXX or XX/XX/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 2023-10-17
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX