davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I was discharged of all loans 15 loans from XXXX XXXX XXXX XXXX XXXX they were closed and XXXX & Experian keep showing that these accounts are still open I would like for them to show closed & never late on my account and show no more negative account from this institution
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$30000.00}, XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AZ)

I have NEVER been in a XXXX  XXXX store. Never applied for a XXXX XXXX account. But last year I realized there was a XXXX XXXX / XXXX XXXX  account on my credit. AND a Collection company ( Jefferson Capital ) trying to collect on the bad XXXX  XXXX account that I NEVER applied for. 

I've called XXXX  XXXX several times, and they told me that this has happened to MANY people and they promised to fix it. But they only removed the INQUIRY ( see uploaded doc. ) Disputed XXXX  XXXX through the credit bureaus on XXXX, see uploaded letters Disputed the Collections XXXX XXXX XXXX ( for the XXXX XXXX account ) through all 3 bureaus on XXXX. 

The lady I spoke with at XXXX XXXX on XXXX confirmed that this was fraudulent but then ended up hanging up on me. 
This has decreased my scores terribly and I can not buy a house. 

Can you PLEASE help me get XXXX  XXXX AND Jeff Cap off my report.
Consumer complaint received 2024-01-04
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. (MI)

I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt. 
According to 15 USC 1681i ( 5 ) t
he credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-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. 

( 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.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (IN)

On XX/XX/XXXX ally financial deposited my final payment of {$9800.00} for the buyout of the lease for a XXXX XXXX XXXX XXXX. The check cleared my bank account Ally stopped all communication with me. I have attached documentation showing the buyout amount and cancelled check. Since they cashed the check I assumed the buyout was complete and I had no further obligation for the loan. 

Fast forward to XX/XX/XXXX ( a year and a half later ) I am wanting to purchase a home and my lender checked my credit. You can imagine my utter disbelief that not only did Ally fail to report a {$0.00} balance to the bureaus, but they also placed the account in Chargeoff status! Therefore, I was not able to qualify for the loan due to my scores being negatively impacted, as well as the debt being added to my XXXX. 

I immediately called Ally and provided proof that they did receive and deposit a check for the amount of {$9800.00}. At this point I was asked to call back in XXXX hours. 

On XX/XX/XXXX I called back and was advised it was still being reviewed. 

Finally, on XX/XX/XXXX, after spending hours on the phone speaking with multiple people and proving to them that they received and cashed the check sent over a year prior, I was informed that Ally was returning the {$9800.00} to me.XXXX  They provided NO explanation as to why or how this erroneous error occurred, and even more frustrating : UNWILLING to fix the issue. I was told to contact the dealership. 

Today, XX/XX/XXXX I contacted XXXX XXXX, the collections company used by Ally Financial, and spoke with a representative and a manager. Even though this account has been reported as Chargeoff with the bureaus, they have no record of my account. I find it incredulous that over a year after my account was placed erroneously placed in Chargeoff status, the collections company has no record of this.

Ally Financial initially violated the FCRA when they accepted my payment and failed to accurately report the account status to the 3 major bureaus. They further violated the Act by reporting false and derogatory information.

Ally Financial also violated the FDCPA when they failed to inform me that my account was reported as delinquent/chargeoff. From XX/XX/XXXX until I contacted them late last month, I have received XXXX communication from them.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REACHED OUT TO XXXX, XXXX, AND TRANSUNION NO LESS THAN 3 TIMES. I HAVE PROVIDED THEM EACH WITH THE REQUESTED STARTING WITH XXXX Duties of users making written firm offers of credit or insurance based on information contained in consumer files- section 604 ( c ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) ), except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 137 AND 1022.123 Appropriate proof of identity AND THE REQUESTED FTC REPORT. 
THEY CONTINUE TO REPORT THE FOLLOWING ILLEGAL INQUIRIES WHICH I DID NOT GIVE MY PERMISSIBLE PURPOSE... 

XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX PLEASE HELP ME AS THESE FALSE OUT-OF-COMPLIANCE INQUIRIES ARE STOPPING ME FROM GETTING APPROVED FOR A HOME FOR MY FAMILY. THESE INQUIRIES ARE CAUSING ME DETRIMENTAL HARM MENTALLY AS WELL. I SHOULD NOT HAVE TO CONTINUE GOING BACK AND FORTH WITH THESE PARTIES. 

CFPB PLEASE HELP AS MY NEXT STEP WILL BE TO REACH OUT TO CIVIL RIGHTS LEADERS TO HELP ME AS MY CONSUMER RIGHTS CONTINUE TO BE IGNORED. 

PLEASE REMOVE THOSE INQUIRIES FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dispute letters were sent to both XXXX and XXXX regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent XXXX dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part.

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by XXXX and XXXX are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe XXXX is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I order a wire transfer from my Bank of America checking account the i founded that I sent the funds to scammers and I came back yo the branch to cancel the wire but they didnt help me out with it
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. 
XXXX XXXX  XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 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 the creditors customer service representative.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (DC)

I am XXXX years. Wells Fargo has bee manipulating my account for several years. 
I have tried to get Wells to provide answers or proof of significant amount of money they withdrew from my account and claim to have paid out. Wells claim not have have the record and one document sent me is so redacted as to be unreadable. I am not writing about this because I believe the Bank is so inept and corrupt that it is useless. I have no more money to hire attorneys to chase after them so I decided to close my accounts. I did so on XX/XX/XXXX. 

Subsequent to my closing the accounts, I received a letter from Wells Fargo claiming that I owe them XXXX.. I immediately went in to the closest XXXX Branch to get an explanation. First I had him verify that my accounts were closed. He asked me how I closed them and I said on the same site that had been using for all the years at Wells Fargo. He said I needed to go into to a branch to do this. I asked him to please make sure these accounts are closed because I had long since stopped using the accounts, had cut up my debit and credit card, and owed no money to the Bank.. For over an hour I sat while the employee made calls to various people. 
Conclusion : Wells Fargo had been depositing other clients money into my account and they want me to pay it back. I went to my Branch and spoke with the Manager who tried to reach some officer at Wells with no luck. I have a statement showing several deposits were made into the account on XX/XX/XXXX. That is after I had closed my account with Wells and verified it the Branch listed above. I have the dates and names of those who I spoke with and met. 

A man threw a bunch of papers in the Hallway after asking my name. I found out this was a summons from attorney who represent Wells Fargo. I had been quite ill but I called and spoke to Attorney XXXX, XXXX and XXXX. I told her I could not afford to pay the amount. She had another attorney call me while she was listening. He what I'd be willing to pay, and I said {$100.00} per month. He asked my age, calculated the number of months it would take. 
to pay, said there is nothing more to say, then abruptly hung up the phone. I confirmed this when I said to Attorney XXXX who was still on the line : Did you hear he hung on me? She said " yes. '' I got out of my sick bed to pick up an Answer Form from the Court Office. Still quite ill, I completed the form, returned on XX/XX/XXXX after I left my Doctors Office and filed my Answer with the Court. I mailed a copy to the Attorney that same day. 

Today, XX/XX/XXXX, I received a notice from XXXX and XXXX that they had asked the Court to grant a default Judgement against me. The date of their filing is listed as XX/XX/XXXX. I called the Court and mine was the last filing on the docket. The Hearing Date is set for XX/XX/XXXX. 
I am seeking your help. I have the paperwork to ; prove did nothing wrong and do not believe that I owe Wells Fargo any money. 
I submitted this on the web site also. 

Please help me
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion, XXXX and XXXX are reporting a Bankruptcy inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the bankruptcy court. The bankruptcy information is as follows 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  was told the Court Never releases Bankruptcy information to the public, nor does it report to CRAs. I was personally told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and These CRAs are violating my right to privacy. I have never given these CRAs consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The bankruptcy information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION, is breaking the consumer law pertaining to account XXXX XXXXXXXX XXXX I've uploaded documents I need this corrected immediately AS DELETED and this is a violation 15 USC 6802 I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with Law suit litigation. XXXX : XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION for which Im just the card holder
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I applied for Chase XXXX credit card, promising {$250.00} XXXX credit upon approval. I am attaching a screenshot of the offer. 
My application was approved, yet instead of {$250.00} advertised I only received {$100.00}. 
to make a long story short, after multiple interactions with Chase, I was basically told, they will not honor that promo, since they do not " provide manual adjustments or credits for promotional offers ''. 
As it stands, this is a blatant case of bait and switch.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1981e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC1681e ( b ).

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind everything is inconsistent.
Consumer complaint received 2023-01-04
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. (FL)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX of the XXXX family a U.S. National of the united states of America , non- resident, non-citizen national. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX of the XXXX family. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.