davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail 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 within 4 days. 

Name of Account Account number XXXX XXXX XXXX  {$950.00} XXXX XXXX {$980.00} XXXX XXXX  {$980.00} XXXX XXXX {$830.00} XXXX XXXX. {$430.00} XXXX XXXX {$940.00} XXXX XXXX  {$900.00} XXXX XXXX {$520.00} XXXX {$570.00} XXXX {$1500.00} XXXX {$10000.00} Thank you XXXX XXXX
Consumer complaint received 2023-11-01
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. (CT)

This is my other 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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/2024 XXXX XXXX Inquiry Date : XX/XX/2024 2024
Consumer complaint received 2023-09-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (NV)

e : Letter to Remove Inaccurate Credit Information To Whom It May Concern, 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 payment 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 account XXXX XXXXXXXX XXXX account number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention, time and help in this matter. 

Sincerely,
Consumer complaint received 2023-09-01
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: AMERICAN EXPRESS COMPANY (WA)

My credit report is still showing late payments on the AMEX XXXXXXXX account despite the previous appeals sent to XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMEXs customer service representative.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received an email about my fraudulent alert of my card being used to withdraw money from an ATM while at work. As I am calling Chase customer service, I see that there was another ATM WITHDRAWAL transaction for {$400.00}. And then also another ATM WITHDRAWAL for {$1000.00}. I call and make the claim with Chase. I told them I have the card with me, the agent mentions that theyve had this problem before where a hacker can duplicate your card and use it as a normal card. I was so confused but she reassured me everything would be okay and I would be credit for everything while the investigation is going on. Fast forward to XX/XX/XXXX I get two letters in the mail. One stating I received credit for the amount of {$1400.00}, on the same day there was another letter form chase stating {$400.00} will be removed from my account on XX/XX/XXXX because my claim was denied it did not say why or give an explanation. Today XX/XX/XXXX I call chase and was on hold for a long time to speak with the specialist/ supervisor. Practically told me theres nothing I can do, their decision is final. I explained to her I was at work all day in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She was insinuating I was the one who made the transaction and she said the transactions were made in XXXX XXXX  to try and recover my funds outside of chase in my own. HOW! what do I do I ask her she said nothing with us. So now tell me how am I at work all day in XXXX XXXX and make a withdrawal in XXXX XXXXXXXX, and yet made a call from work to chase to file this fraud right away when it happened? I also try to let her know what the first claim agent told me about the hackers and she try to cover it up and say that it was misinformation. That it was denied because my physical card was used but how if I had it with me while I was at work and even had with me when I was making the call at my job to report the transactions I used my physical card to provide the agent with information only found on my card like the card number! So for now theyre saying Im out {$400.00} and soon Ill be out also {$1000.00} because she said itll be treated the same way but still pending. I need help, I have bills to pay, people to feed. How can a financial institution like Chase treat their customers like this. I also filed a police report of the accident the same week! 
Terrible bank i should have not moved banks! This kind of fraud has happened to many people I work with and its always only with chase!
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

someone opened a XXXX XXXX credit card account in my name Account Number XXXX Portfolio Recovery Associates Amount of debt {$380.00} I have field a police report with the XXXX XXXX XXXX XXXX 's Department XXXX # XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

On XX/XX/XXXX I tried reaching out to Jefferson Capital and XXXX. The reps are rude to me and arguing with me that it was my debt and i had to pay for it, I let them know those accounts were not mines and done fraudulent. One of them actually laughed at me and thought i was a joke. 

In XX/XX/XXXX I was scammed into thinking i owed the IRS money. They ask me to confirm my identity by having me answer all these questions and said i need to send them a money order of {$2000.00} in a money order because they said i owed money. I later heard about the scam and called the IRS to see if i needed and he said no.
Consumer complaint received 2024-05-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX my account was sold to XXXX XXXX XXXX. I did not sign up for this service. This company is reporting on my credit report. 

I do not have a contract with them. 

Please help me remove this collection agency from my credit
Consumer complaint received 2023-09-01
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. (FL)

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

FCRA and FDCPA Consumer Protection Laws prevent balances on authorized users accounts to be reported to the authorized users credit profiles if they did not make the charges. I dont even have the cards activated, they are in a safe and I never use them because these accounts are for credit building. 

The balances reported on my credit file for the following accounts should be updated to XXXX  balance immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for following the law
Consumer complaint received 2023-11-08
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : This account XXXX XXXX XXXX XX/XX/2022 IS NOT MINE 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

I am writing to formally address the recent denial of credit that I received from your institution. I was notified of this decision on [ Date of Denial Notification ], yet I find that the explanation provided for this denial was insufficient or unclear. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a specific reason for such adverse actions. 

According to TD Bank they were unable to verify my identity to which, at THEIR direction I went into a branch to provide my identity information and complete the form THEY told me to complete. 

TD 's response to my complete does not address any of this. Their long and meaningnless response outlines the prior applications I discussed for absoutely no reason. I am specifically complaining about the application fromXXXX XXXX XXXX that were denied because my identity could not be verified. PER THEIR INSTRUCTION I WENT INTO A BRANCH AND COMPLETED WHAT THEY CALLED A " BID FORM '' AND PROVIDED MY IDENTIFICATIONS AND WAS TOLD THE APPLICATION WOULD REOPEN ON MY DASHBOARD TO SUBMIT. INSTEAD I GOT THE SAME DENIAL WHICH MEANS TD BANK 'S REPRESENTATIVES EITHER GAVE ME MISINFORMATION OR THE FORM WAS NOT PROPERLY SUBMITTED BY THEIR REPRESENTATIVE. TD HAS NOT ADDRESSED WHAT HAPPENED TO THAT FORM! IF I DO NOT RECEIVE A COMPREHENSIVE EXPLANATION I WILL REMOVE ALL OF MY FUNDS IN EXCESS OF XXXX XXXX FROM THEIR INSTITUTION AND FILE SUIT.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NY)

This account is a result of fraud. I did not open this account. American Express is damaging my credit score and hindering my ability to access capital. I hired XXXX XXXX to fight this since I became aware of it in XX/XX/2023. I have spent {$500.00} fighting this case which is fraud, and what it has costed me so far is almost half of this fraudulent bill that American Express is attempting to have me pay for. They have already charged off the account and recieved payment but they are still harassing me and ruining my credit for this scam.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (GA)

XX/XX/year> I received my federal refund on chime ; because I use chime for my refund every year until they kept closing my dispute for over {$1300.00} being taken from my account on XX/XX/year> an sent to a cashapp I dont have access to and that I have never seen. I put in many disputes I even sent proof of everything, police report and all. The policy is that if they arent done with your dispute in a number of days you get credit on your account. After having submitted sooo many disputes an them being closed the same day which I forgot to mention, they finally stopped denying them the same day an on the XXXX day of my submitted dispute they still werent done investigating even with all the proof they had they prolonged. So the next day I called an explained it was over XXXX days the policy is I would get credit on my account, not only did they deny that for me they are promoting false advertising because I didnt receive any credit and till this day my account was completely scammed of {$1300.00}. I have XXXX kids I never got that money back.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (TN)

I leased a XXXX XXXX through XXXX XXXX, XXXX XXXX, AR, financed through Santander Consumer USA. Within the first three days I noticed the vehicle was driving bad. After inspection it was found that the transmission was slipping. After a tedious time of trying to return the vehicle, I was allowed to. The day that XXXX XXXX paid off my loan, Santander had the vehicle repossessed. I have not been able to retrieve my items. I tried and tried and have filed multiple complaints. I also, contacted Santander multiple times regarding this vehicle and was advised to not return the vehicle because XXXX XXXX could resale it. My items and money that was in the vehicle were never returned to me. This too has been a tedious time. When the vehicle was repossessed Santander should have sent me a letter, that allows me to pay off all debt to get the vehicle back but they took the vehicle directly to Texas from Arkansas. My next step is getting an attorney. My dads ashes were in the vehicle.
Consumer complaint received 2023-12-21
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to you with a matter of utmost urgency and severity regarding the fraudulent accounts associated with your company. It has come to my attention that there are accounts linked to my name without my authorization or consent. This egregious violation of my privacy and trust can not and will not be tolerated. 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 2024-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently saw my credit report as I was thinking about purchasing a home and noticed a collection account that I did not receive any notice to dispute or to verify this debt which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Portfolio Recovery is reporting this false information on my consumer report without verifying it first which violates the Fair Credit Reporting Act ( FCRA ). I demand that this agency provides proof that they have sent me the notice by providing a certified green return card with my signature and the shipping number. Additionally, I demand that they answer my dispute line by line in order to both validate and verify this information. If they can not provide all requested information then I demand that this company cease all reporting immediately as the attached letter states.
Consumer complaint received 2023-09-01
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX CRA : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of Experian, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX  : Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX  : Inquired on XX/XX/XXXX I am now notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give Experian this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. 
Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. It is your duty to report information accurately ; as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.