davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IL)

Concerning credit card XXXX XXXX XXXX XXXX XXXX Fidelity aka Elan Financial Services aka US Bank. 

Elan Financial Services is not reporting my correct balance information to XXXX or XXXX. The information XXXX has is incorrect as well, but more current than the other two agencies who still have my balance as {$15000.00} ( which it was in XX/XX/XXXX ) as opposed to {$14000.00}, which it has been since my last payment on XXXX XXXXXXXX XXXX. XXXX is at least reporting my balance as {$14000.00}, which would have been true as of statement ending date XX/XX/XXXX. My grievance is their reporting to XXXX and XXXX. 

On XX/XX/XXXX I filed a dispute with XXXX that my balance was {$14000.00} and not {$15000.00} as they were reporting ( and are still reporting the same today ). On XXXX they responded to them on XX/XX/XXXX that XXXX confirmed my balance was indeed {$15000.00} and closed my dispute. 

On XX/XX/XXXX I filed a dispute with XXXX that my balance was {$14000.00} ( which it is now ) not {$15000.00} as they were reporting ( and are still reporting the same today ). On XX/XX/XXXX XXXX reported results their information was confirmed by Elan Financial Services on XX/XX/XXXX that my balance was indeed {$15000.00} and closed my dispute. XXXX told me if I disagreed with their findings contact " the entity that originated the information. '' On XX/XX/XXXX I called Elan Financial and lastly spoke with a supervisor named XXXX who tried to argue with me that they were reporting the correct information on a monthly basis, and I needed to submit my complaint in writing. So, I am submitting my complaint in writing here.
Consumer complaint received 2024-06-12
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. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Service Finance Holdings, LLC (NC)

This in response to XXXX XXXX and air conditioner response to my complaint. Their response to what happens is not entirely accurate. XXXX did install my air conditioner on a weekend of a holiday. I did contact XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX then I called their standby contact at XXXX and XXXX I then received a call at XXXX. that my air conditioner was not functioning properly. The technician came on XX/XX/XXXX Then 3 months later on XX/XX/XXXX, I had to call and follow up because their finance company was calling me, they must have forgotten about me so I called and left a message and emailed XXXX and he responded by email on Mon XX/XX/XXXX and informed me an inspector will come on Monday, XX/XX/XXXX and that they can not control the finance company and the job was complete and up and running, I did not attempt to argue because it was not running or functioning properly. Thats why their technician had to come back and fix it on XX/XX/XXXX. Also, I responded back with unsatisfied remarks. See email. Then I emailed XXXX again on XX/XX/XXXX, and requested the date ad time the inspector was arriving. Then on XX/XX/XXXX their technician came and fixed the problem with the air conditioner. And Mr. XXXX ask what day would I like to schedule the inspection, then responded and I followed up again on XX/XX/XXXX and finally, XXXX responded that my inspection would be on Wednesday, XX/XX/XXXX at XXXX am I received a call from XXXX attorney requesting I speak to him and his attorney on the phone. I was not going to respond because it was abrupt. I received no letter from XXXX stating they want to come up with a solution. But since the call, I received no other correspondent from XXXX heating and air conditioner. 
Please see attached email and phone call list showing the dates and times the calls took place. And see the bill from service solutions. 
Also someone came to my home and put an letter with no envelope in my mailbox. I have no idea who did ait, I do have documentation.
Consumer complaint received 2023-08-12
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. (FL)

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to TransUnion about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 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 over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (AR)

This is my another complaint submission that I am filing to inform Experian, XXXX and XXXX Bureaus that I am a victim of identity theft and I sent this submission to dispute certain inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any negotiations obtaining any possession of goods, services or money that I have made or approved, the thing is the 3 credit bureaus HAVE NOT TAKEN ACTION to remove any of the specified fraudulent inquiries that I have requested them to remove from my file, even after I did a follow up notification to them they have neglect to remove any at all. Please once again block and remove the reporting of these inquiries from my credit file that resulted from an alleged identity theft. These inquiries are unknown to me. And I have doubts about the reporting accuracy on these inquiries that you presented in my credit reports. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. These are the list of inquiries I want the 3 Credit Bureaus to remove : EXPERIAN : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2022-12-06
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. (NJ)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2023-08-12
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. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX  XXXX Balance : {$3500.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (IL)

Exeter has been denying my several requests for copies of my contract signed with them for my XXXX XXXX XXXX, they have purposely lied to me regarding the legal rights of the second cosigner on the car claiming that she was a " cosigner '' versus a " Coborrower '' which changes the legal possession and dynamics of the law and contract drastically. They have denied every request I have made to be take off the car loan or accept a voluntary surrender of the car. They have refused to provide me with monthly bills as well as accept updated information for address changes. When requesting to speak with supervisors the staff are often argumentative and refuse to transfer to a supervisor or they just simply hang up on me when I ask for a manager.
Consumer complaint received 2023-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-08-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act Transunion, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-03
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. (IL)

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 a account without my written instructions. 

XXXX XXXX XXXX XXXX of {$1100.00}
Consumer complaint received 2022-12-07
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. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc. (AR)

I keep getting emails addressed to someone with a different, but similar, name who has apparently taken out personal loans with a company called Upstart, which I believe is an online loan service. I presume our email addresses are similar. I am not, nor have I ever been, a client of this company. 

I have twice called this company to tell them that they are using an incorrect email address and that I am receiving notices intended for their client. These emails divulge the amount of the loans, the amount of the monthly payments, the length of the loans, the loan account number, the name of client 's bank from which the payment will be drawn, and the last four numbers of the bank account from which the payment will be drawn.

Despite my twice letting the company know in telephone conversations that it is divulging sensitive information to someone who has no right to it, they have not addressed this issue. It may be that their client and I have similar email addresses, but the address should have been verified before they began using it. Clearly they did not.

I am concerned that this company, UPSTART, is not taking appropriate care with its clients ' information. I know far more about this stranger and her financial dealings than I should. Please look into this. My understanding, based on a small amount of research, is that much of the client interface with UPSTART is AI generated, thus it may be difficult for them to find and/or correct mistakes of this nature.

To repeat, I am not a client of this company, but I am receiving information for/about one of their clients, and I have no right to that information.
Consumer complaint received 2023-06-30
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX I received a email confirmation of having a credit with XXXX XXXX in the amount of {$330.00} of tickets I have bought on XXXX and I was told I have till XXXX to use About XXXX weeks ago from today 's date I called XXXX  to book and they told me I dont have any credit. I right away call BOA to file a dispute in regards to this matter I received a letter dated XXXX from BOA saying I have been denied. I called them and I asked why is that, they said you only have 60 days to file.Its usually 1 year but still I did not know AA lied to me so how could I have filed within the 60 days.Its not my problem and not my fault. 
The 60 day rule is a man made rule and exceptions can be made in certain circumstances like mine that I was lied to. 
BOA can easily refund me and take my side because I am right and have the hard evidence on hand.
Consumer complaint received 2023-08-12
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 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 XXXX 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.