davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
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)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( XXXX XXXX XXXX  ) It has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

I had XXXX unauthorized transactions on my debit card at Chase Bank which is attached to my checking account on XX/XX/2023 of 4 transactions of {$43.00} and one transaction of {$33.00} for a total of {$200.00} to XXXX  These transactions were reported immediately that day, which was a Sunday and holiday weekend ; and a claim was created. I received a temporary credit of the total ; however, on XX/XX/2023 I was notified that the claims department determined that I had authorized the 5 transactions. Chase Bank removed {$200.00} from my checking account on XX/XX/2023 and had closed the claim. 

On XX/XX/2023 I requested a letter from Chase Bank stating how they came to the conclusion that I had authorized the 5 fraudulent transactions. I was told the letter can only be mailed, not emailed or place in documents online. I was told it would take 7-10 days to be received. 

As of XX/XX/2023 I have not received that letter. I do not believe that letter exists. 

A police report was filed on XX/XX/2023. 

A branch representative was able to receive from the claims department a XXXX  invoice and an arbitration form for only one transaction.

The Billing Address does not have my name correctly from my debit card and the address does not match my address on my account with Chase Bank. This also makes the shipping address incorrect also. 

I am disputing the billing information does not match my debit card information and account and Chase has no authority in approval of these 5 transactions in the first place.

I want {$200.00} to be immediately replaced back into my checking account.
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (AL)

On XXXX I had to get bank statements for XXXX. My mother trying to get into a XXXX XXXX  They were statements for XXXX XXXX XXXX Totaled 53 pages Truist bank charged the account 3 times for Research charge on XXXX One for {$240.00} One for {$140.00} one for {$120.00} Total {$500.00} I think this is extreme for a XXXX XXXX XXXXXXXX XXXX XXXX  I think that is totally taking advantage Please help Fixed income
Consumer complaint received 2023-10-15
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)

In accordance with The Fair credit reporting act account number XXXX XXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2023-10-15
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. (TN)

XXXXXXXX XXXX  continues to lower my credit limits on accounts that have no late payments causing my credit score to be negatively impacted. This started with my XXXXXXXX XXXX XXXX  almost 5 years ago. They just recently reduced it to only leave {$9.00} available instead of the roughly {$100.00} available credit I had. I had also opened a line of credit through XXXXXXXX XXXX  at XXXX XXXX XXXX. I was granted a {$4000.00} line of credit, used about half of that and have already repaid the majority of the balance, never been late on payments there either, but they also reduced that credit limit to {$1100.00} recently - leaving me less than {$200.00} available credit. Each time they lower my credit limit, it appears that my balance is high and the credit is maxed out, which lowers my credit score and they use that as an excuse to continue lowering my limit - an unjust cycle.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed an account on my credit report that I did not open or authorize on XX/XX/2023 in the amount of {$2700.00}, I reached out to all three credit bureaus an filed a dispute however the account is still on my credit report.
Consumer complaint received 2024-04-05
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Re : Experian Response to CFPB Complaint # - XXXX dated XX/XX/2023 To Whom It May Concern, I am writing in response to your statement dated XX/XX/2023, concerning my complaint about the inaccurate personal information on my consumer report. Your response mentioned, You are requesting these items be removed. Regarding the remaining names and addresses on your credit report, please note that we store address and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report the address and name listings and they are a part of your credit history. If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. 

I would like to highlight that this response is not only an act of negligent noncompliance pursuant to the Fair Credit Reporting Act ( FCRA ) section 617 but also a direct violation of 15 USC 1681i - Procedure in case of disputed accuracy.

15 USC 1681i ( a ) ( 1 ) ( A ) states that, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

Furthermore, 15 USC 1681i ( a ) ( 2 ) ( A ) mandates that if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer and the consumer provides the consumer reporting agency with notice of such a dispute, the agency must, before the end of the 5-business-day period beginning on the date on which the agency receives the notice of the dispute, notify any person who provided the disputed information of the dispute. This notification should include all relevant information regarding the dispute that the agency has received from the consumer.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian is violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian to report late payments on the XXXX XXXX XXXX XXXX Account # : XXXX, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (VA)

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
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (CA)

Request for Removal of Fraudulent Account from Credit Report I am writing to inform you that an account listed under my name with your institution has been opened fraudulently. I have recently discovered this unauthorized account on my credit reports from XXXX, XXXX, and XXXX. 

The details of the fraudulent account are as follows : Account Number : XXXX I have not authorized the opening of this account and have taken immediate steps to report this identity theft to local law enforcement and the Federal Trade Commission ( FTC ). I have attached copies of these reports for your reference. 

I kindly request that you investigate this matter promptly and remove this unauthorized account from your records. Additionally, I ask that you contact each of the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) to inform them that this account was opened fraudulently and should be deleted from my credit reports. 

I understand the seriousness of this situation and am eager to cooperate fully in this investigation. Please let me know if you require any additional information or documentation from my end.
Consumer complaint received 2023-10-15
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. (MD)

XXXX, Equifax and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX, Equifax, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Consumer complaint received 2023-10-15
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. (GA)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

[ XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to Provide that proof, or if lacking proof of these payments being late. please update my_ payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Consumer complaint received 2024-04-05
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)

I am writing to file a formal complaint regarding fraudulent reporting of an account on my TransUnion, XXXX, and XXXX credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank continues to lower my credit limits on accounts that have no late payments causing my credit score to be negatively impacted. This started with my Amazon credit card almost 5 years ago. They just recently reduced it to only leave {$9.00} available instead of the roughly {$100.00} available credit I had. I had also opened a line of credit through Synchrony Bank at Rooms To Go. I was granted a {$4000.00} line of credit, used about half of that and have already repaid the majority of the balance, never been late on payments there either, but they also reduced that credit limit to {$1100.00} recently - leaving me less than {$200.00} available credit. Each time they lower my credit limit, it appears that my balance is high and the credit is maxed out, which lowers my credit score and they use that as an excuse to continue lowering my limit - an unjust cycle.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian, XXXX, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-15
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. (GA)

I am writing in response to your notice about an alleged debt : SOURCE RECEIVABLES M XXXX XXXX XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. 
A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. 
Your license and credentials to collect debts in GEORGIA. 
Written notice of my rights to dispute the validity of this debt within 30 days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within 30 days as required by law. 
Thank you for your cooperation. 
DELETE ALL THESE INQUIRES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (FL)

I my first vehicle from USA auto sales ... XXXX FL... In the beginning of XXXX,, a XXXX XXXX. Withing a week the engine went out... I went through the process of with XXXX XXXX. They had my car for 10 days,, the motor was bad,, us auto said they wouldn't fix it .... I asked for my down payment back, they refused,,,,... they pressured me,, and tricked me to get another car... They said they would put me into another car,, but I told them the only way I will is if they give me a extended warranty on my car to insure it would get fixed, they agree... they put me in another vehicle,,, within a week the brakes went out... I contacted us auto sales,,, also the mechanic shop contacted them about the warranty, they denied my warranty,, said they wasn't going to fix it... The next week after that thay closed there business,,, they sold me a XXXX car,,, but didn't give me a XXXX XXXXar warranty .... false business practice,, deceptive tactics, ,three months later, ,while I have a car with no brakes,,,, I notice they Transfered my loan to a debt collector,,, Westlake Portfolio... which made my credit score drop significantly ..... So I called the new Westlake Portfolio to see if they would honor my extended warranty,, they also denied to fix the vehicle,, .. it's the same occuring brake problem on the vehicle, ,it not safe to drive,,, I recently lost my job XXXX,, because the mechanic shop had it for another 10 days,,, when they denied to fix my vehicle ... .this car is a lemon ... .. Also my balance that I pay on my vehicle has moved,,, I think they were double billing me,,, I still owe the same thing I owed when I first got the vehicle ..... I also have other people who been deceived by the same company..
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX WITH THE BALANCE OF {$9200.00} AND XXXX XXXX in the amount of {$1900.00}, are the result of identity theft, and They are not belonging to me.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (CA)

A.r.m solutions XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 Please remove all the oth
Consumer complaint received 2023-04-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX Balance XXXX {$8600.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$1200.00}