davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

On XX/XX/XXXX I went into a Title Max Store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a loan in my car. The title is under my dad and my name but the representative there told me they have a place that can give me an updated title with my name only just have to be willing to pay a higher amount. So I did. I needed the loan for medical expenses and she saw my desperation. The loan was for XXXX and when my payments started to come due I paid them with no problem. It wasn't till payment 5 that I asked WHAT my balance was and I was told XXXX. I said how what why she said interest go up daily I asked her for a hard copy of my contract she placed me on hold and never talked to me I called and called they won't answer when I went to the office I was received with new staff I told them WHAT happen and they said they aren't responsible for any of that. PLEASE help I'm a single mom and I can't lose my car.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is 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 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (PA)

I have two issues. The first issue is with a claim/dispute against XXXX XXXX for {$190.00}. I am being ignored despite providing proof that the service was done incorrectly. I had to have the service done over twice and even some auto repairs after XXXX XXXX finished their coolant flush. And I have the consumer affairs attorney sending them notices to give me a refund. Chase Bank has lied to me about trying to assist me from the customer service level to the executive level. I want this situation resolved. 

The second issue is that my debit card was marked as fraud ( not by me ) yesterday and I am unable to add my card to XXXX XXXX. I talked to six reps and one person even hung up on me. The Chase Bank has been tampering with my debit card to prevent me from using it when I travel and basic cardless atm functions are disabled. This is a scam artist bank with disrespectful employees all the way up to leadership. I kept trying to add my card and was told verification was required to add the card to XXXX XXXX. No one would verify my card. These monsters are completely unprofessional.
Consumer complaint received 2023-10-23
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include Equifax, XXXX, and XXXX. 

As of XX/XX/XXXX, all three credit reporting agencies ( Equifax, XXXX, and XXXX ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all 3 of XXXX XXXX consumer credit reports and files. 

Ally has furnished to Equifax for partial account # XXXX : XXXX XXXX XXXX ( 12 potentially negative months of payment history ; varies from XXXX and XXXX ) - Monthly payment : {$860.00} ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( ( varies from XXXX and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. 3 BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX  ( XXXX potentially negative months of payment history ; varies from Equifax and XXXX ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from Equifax and XXXX ) - Status updated : XX/XX/XXXX ( varies from Equifax and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from Equifax and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. 3 BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( Unknown payment history ; varies from XXXX and Equifax ) - Monthly payment : {$860.00} ( varies from XXXX and Equifax ) - Status updated : XX/XX/XXXX ( varies from XXXX and Equifax ) - Payment History start date : No Payment History being reported ( varies from XXXX and Equifax ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (TX)

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 Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (MA)

During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX  to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with ALLY 14 times. Each time they promised that someone would help or call me back. Please help.

XXXX  XXXX XXXX  ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have request that my name be updated on the Credit Bureaus, as per my ID info. I have never gone by any other name outside of XXXX XXXX, XXXX. XXXX has XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
XXXX added XXXX XXXX, XXXX. 
I asked that the following addresses be removed 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. 

Also The following Collection companies as I don't owe them anything : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all three Bureaus ), XXXX XXXX XXXX XXXXXXXX and Equifax ), XXXXXXXX XXXX  ( all three Bureaus )
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WI)

I purchased two gift cards to make an online purchase on XXXX. The cards will not work. Called customer service which directed me to call the number on the back of the card, which is an automated call and basically directs me to try the card somewhere else. I purchased these cards specifically for this purchase and would like my money back. I called XXXX and they said the payment keeps getting rejected for some reason, I also tried through XXXX with the same result.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

This is my second time writing you to update my personal info 15 USC 1681 ( a ) ( 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 2024-03-14
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: Experian Information Solutions Inc. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-10-23
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 sent transunion a letter disputing the accuracy and completeness of the accounts and they has failed to validate the inaccurate information on my credit report. I am requesting deletion of the inaccurate and incomplete accounts from my credit report within 14 days of them receiving my complaint. They has cause me stress and loss of work because i keep getting denied for things that reporting on my credit. i have attach a copy of the letter below for your reference. 
XXXX XXXX XXXX has 2 different balances and missing data making it inaccurate on both credit bureau- Transunion and XXXX- please delete 15 usc 1681e ( b )
Consumer complaint received 2023-09-17
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is still showing XXXXXXXX XXXX  on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is still showing XXXXXXXX XXXX on my credit report its been on my report for 10 plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found an account on my credit report that I did not open. This has been hurting me as I am in the process of purchasing a new home. I asked that this be removed immediately.
Consumer complaint received 2023-09-07
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. (TX)

I sent a letter to the XXXX and TransUnion Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Consumer complaint received 2023-10-23
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. (FL)

In accordance with the Fair Credit Reporting act, account : XXXX, from XXXX XXXX XXXX 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.

15 U.S.C 1692b acquisition of location information by debt collectors.
Consumer complaint received 2023-07-09
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. (IN)

This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. The following account was not made by me : 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 As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I was late on a payment during 2020 due to no work because of XXXX payment was only about a week late and was told it would be forgiven due to immaculate payment history and no other late payment ever, also due to XXXX hardships. Did not realize this was affecting my credit until I received a declined application stating missed payments and saying account was delinquent. Account was not delinquent and only changed recently, was paid always on time and is current. Have constantly contacted them to right this issue but to no avail. Was told they cant do anything because its not within XXXX  days of late payment which I told them I had contacted them numerous times including right after late payment and how I was told it would be forgiven, however the representatives have basically just been like nothing we can do contact credit agency to which credit agency said contact them.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX with XXXX XXXX has violated my rights. 

15 USC 168 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.