davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (CT)

On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive. 

On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX. 

There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

My personal information was compromised in XX/XX/2022. My information is on the dark web. My information has been breached by several companies including XXXX, and XXXX XXXX XXXX, XXXX. Since then the individual with my information has opened several accounts in my name. They had a utility account in Arizona, a townhouse in my name in Arizona, and renters insurance. The most recent account that has shown up on my credit report is with XXXX XXXXXXXX, at home address XXXX XXXX XXXX XXXX XXXX NV. They opened the account in XXXX. 
They have also tried to get furniture in my name. I check my soft inquiries and see that they are still actively attempting to use my credit file. 

I have contacted EXPERIAN and they will not suppress the fraudulent information within 4 business days per 15-US Code 1681c-2 The Experian upload system is difficult to use and will not allow me to upload documents. I have sent them these documents several times and I do not have a vehicle to get to the post office. EXPERIAN creates multiple hurdles for victims of identity theft which makes it very emotionally stressful and difficult to remove fraudulent information from my credit report. This is impacting my ability to purchase a home for my family.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I still have not received the electronic copy of the pay-off statement from SN Servicing Company. 

I need SN Servicing Company to send me an electronic copy of the standard pay-off statement dated for XX/XX/21 Please take a look at the attached letters. This is an equitable property.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

Aidvantage took over my loan servicing from XXXX and has lost all my account information. My loans were taken in XXXX and there's NO record of my 4 years of public service or the past payments I've made - I should be in a forgiveness stature. I re-financed my loans and it looks like a lot of my information was lost there too. 

I have tried to reach them because they are asking for too much in my payment, i filled out the income based repayment information and have not heard from them in weeks Now my loan is coming into repayment and I can't even get a hold of anyone over there! 

This is criminal they are going to bankrupt me!!!
Consumer complaint received 2023-08-17
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, 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 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 2023-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NC)

My loan for my car payment is showing a past due amount of {$590.00}. I made a payment of {$220.00} on XX/XX/23 and this payment should be applied for half of the payment for the month of XXXX. I should not be past due of {$440.00} for the month of XXXX. These funds were not applied to the account correctly. I have reached out to the customer service dept several times regarding this issue, and nothing have been resolved. I talk to a supervisor XXXX ID # : XXXX ( Customer Solution Team ) on XX/XX/23 and was told my payment that was made will be allocated correctly and was waiting for payment to clear. I also was told from supervisor XXXX that she was advised from the payment research dept that nothing needed to be done and everything will be applied correctly. So, as of now my account is still not correct at all. I have been having the worst experience with Ally Financial for many years. This company does not take the initiative to assist their customers about their issues nor to investigate the problem. Also, I was told I had two more payments remaining on the account and it still shows an outstanding balance of {$8800.00}. I would like for this issue to be escalated higher up to the CEO, because no one in customer service is not willing to assist.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
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. (NY)

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602. 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 to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
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. (DC)

I disputed a XXXX XXXXXXXX XXXX auto loan which reported a 30 days late payment. XXXX  XXXX XXXX near sent a letter stating I was late or the account was possibly in default. XXXX XXXX XXXX finally sent the letter 90 days later at which time I made sure the account was fully paid.
Consumer complaint received 2018-04-02
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: BB&T CORPORATION (NC)

I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it
Consumer complaint received 2023-05-18
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. (TX)

When I reviewed my credit report again, I discovered that a new account was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX Balance : {$670.00}
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I hope this letter finds you in good health. I am writing to bring to your attention a concerning issue regarding an unauthorized account that was opened under my name with Bank of America. I have made repeated attempts to resolve this matter with the bank directly, but unfortunately, I have not received a satisfactory resolution. 
I discovered that an account had been opened under my name without my knowledge or consent. I immediately contacted Bank of America to report the unauthorized account and to request its closure. While I was assured that the account was closed, I am still facing ongoing issues due to the reporting of suspected fraud associated with this account. 
I wish to emphasize that I had no involvement whatsoever in the opening or operation of this account. The account was opened without my knowledge or consent, and I have never provided any personal information or electronic signature for this purpose. The bank 's assertion that my electronic signature is linked to this account is deeply concerning, as electronic signatures can easily be fabricated by unauthorized individuals. 
Despite my repeated attempts to clarify the situation and provide evidence of my innocence, I have faced challenges in having this matter resolved. The reporting of suspected fraud on an account that I had no involvement in is damaging to my financial reputation and security. I am deeply troubled by the fact that the only evidence the bank has presented is an electronic signature, which, as mentioned earlier, is not a valid basis for maintaining this record. 
I kindly request your intervention in this matter to ensure that the fraudulent account is unlinked from my name and that any reporting of suspected fraud is removed from my records. I believe that this situation not only affects my financial standing but also highlights a vulnerability in the system that allows unauthorized accounts to be opened and wrongfully attributed to innocent individuals. 
I appreciate the work of the Consumer Financial Protection Bureau in safeguarding consumers ' rights and interests. I hope that you can assist me in resolving this issue and restoring my financial well-being. Enclosed with this letter are copies of documents that support my claim of unauthorized account activity. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this distressing situation.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (OH)

I got an email saying that I sent an application ( XX/XX/year> ) to chase banking for a credit card and my credit score dropped. This was not me. It also says it needs more information to proceed. I can't get in contact with the company. I have no banking with them
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

I have already filed a dispute for unauthorized charges a month and a half ago from my account with chime bank. The merchant was blocked from my account supposedly. Last night while I was asleep the blocked merchant deducted another {$120.00} from my account. I contacted my bank again to try and fix the unauthorized charge and I was told that they can not do anything for me. I asked to speak to a manager with the authority to fix this situation since the person I was speaking with had no authority to do anything. Chime then told me that there is no one I can talk to and no one who can help me. And then proceeded to hang up on me. I was not out of control or aggressive towards the rep. This is absolutely unacceptable. I demand an explanation of why and how this lack professionalism and competency is acceptable. I also need these faulty charges reversed and my own bank is refusing to help me.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (PA)

Chrysler capital is reporting that I own XXXX from an unpaid lease which isnt correct because I have the title for the vehicle. original the vehicle was a lease then it was bought out from the dealership we completed everything before it was financed from XXXX. I have paid XXXX all payments and now the vehicle is mines. Chrysler capital made some type of error and now they are saying its my fault which isnt correct because they sent the title to the dealership after we paid the lease off thats how we was able to finance with XXXX which accrued back in XXXX
Consumer complaint received 2023-08-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-17
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 contacted TransUnion credit bureau with a dispute letter about XXXX accounts that are not mine. I sent a letter and I called them directly. These are not my accounts and I asked them to provide me the original signatures from the companies that are reporting that I owe something. When I called they told me to call the companies but how can I call a company that I don't know and what am I supposed to say? I looked up the FCRA laws and it says that the credit bureau reporting this information must provide the original copy of the contract agreement or anything showing that it is my account. TransUnion keeps telling me to call someone when they are reporting the incorrect information and they will not provide the original contract as requested because there is no contract because I never did any had an account with these companies. Everting I called I get passed around to numerous people and no one will provide any evidence that those are my accounts. They just say call the companies and hang up. I can't call someone I do not know but since they are reporting the incorrect information they should provide some type of evidence or proff other than just saying call someone. 

I sent certified mail on XX/XX/XXXX and when I call they said even though the delivery was confirmed they need 5 days to pick up the mail. When I called back they said call the companies reporting this information but I dont know who they are nor do I have there phone number and would know what to say.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.