davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WAY XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-12-22
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. (FL)

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 u.s.c 1681. 

Account name : # XXXX, XXXX XXXX XXXX 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 seven years.

15u.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 2022-12-22
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. (TX)

XXXX Experian XXXX Account # : XXXX XXXX Experian XXXX Account # : XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account # : XXXX According to the irs publication the lender must file form 1099-c and send a copy to you if the amount of debt is more than 600 dollars. If the charge off is over 600 dollars is reporting to your consumer report they are commiting tax fraud.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP (NJ)

XXXX XXXX, XXXX. Pursuant to FDCPA XXXX I requested XXXX & XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.
Consumer complaint received 2022-12-22
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)

TransUnion XXXX XXXX Account # : XXXX TransUnion XXXX XXXX Account # : XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX According to the irs publication the lender must file form 1099-c and send a copy to you if the amount of debt is more than 600 dollars. If the charge off is over 600 dollars is reporting to your consumer report they are commiting tax fraud.
Consumer complaint received 2018-12-05
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I had opened an account with XXXX bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. XXXX has reported this to ChexSystems and entered it in XX/XX/XXXX. 6  years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.
Consumer complaint received 2022-12-22
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. (GA)

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. 

XXXX XXXX XXXX  XXXX Acct Number : XXXX XXXX XXXXXXXX Acct Number : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX XXXX XXXX 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 or 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 2018-04-14
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Trakk, LLC (SC)

My payments are setup weekly, but I make the payments bi-weekly. In XX/XX/XXXX someone tried to steal my auto and because I have this disable device installed. The criminals damaged it and I had to get it replaced. With the older device when I was having trouble making the full payment I could install a code that would get me to my next payday. However, now since the new device has been installed, AutoTrakk is constantly disable my vehicle leaving me stranded along the highways. This past Thursday XX/XX/XXXX I made a payment of {$180.00} to cover the payment that was due. I also have full coverage on the vehicle as well, but because the deductible is suppose to be {$500.00} rather than {$1000.00} AutoTrakk disable my vehicle when was 50 miles from my home. I have had this vehicle almost 4 years and every year this coming is starting to get worst to deal with. After sitting in my car disable for 30 min, I was finally able to drive the vehicle home. I feel this is unfair to me, I pay on the vehicle and I get full coverage on it. So, why am I always having to deal with this company disabling the vehicle every time that feel like it over stupid issues.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 2023-12-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (SC)

There is 1 alleged debt under my name and credit report with Credence Resource Management. Since the first alleged debt was bought by Credence Resource Management. I have Requested NUMEROUS times ( via mail, phone ) on the alleged debt that they validate, verify and provide me with the original purchase agreement or contract baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i made my payment on XX/XX/2022 but becuase bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the 3 credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt wan na help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the 2 bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX XXXX and the returen that i was not awaere of
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (IA)

I have a secured credit account eith Chime / XXXX. I always keep the set amount in the account. Infact my paycheck is deposited directly into it. They are reporting I owe {$4400.00} and it lowered my credit score. It is a checking account. I owe nothing.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2022-12-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (TX)

BC Services XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX has inconsistent communications of monthly statements of remaining amount owed. Their payment portal is not consistently accessible the website provided XXXX has an error message that the website doesn't exist and the other website XXXX XXXX XXXX has XXXX name that is associated with the account numbers. When I started making monthly payments the husband that I'm separated from that has no obligations to the accounts name was on the accounts. I've sent monthly payments for a few years. Several of the debt " accounts '' have gotten paid off. I'm making the effort to pay the debts.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I reviewed my Consumer Reports and noticed that I had FOUR late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2024-03-08
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. (TX)

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 u.s.c 1681.. Account nameXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account NameXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account NameXXXX  XXXX XXXX XXXXXXXX  Account # XXXXXXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account NameXXXX XXXXXXXX XXXX... Account # XXXX ... Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account name XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account NameXXXX XXXX XXXX  Account # XXXX XXXX  Account NameXXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX ... Account NameXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX  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 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase Bank sent my credit card information to XXXX XXXX XXXX who who served me with a small claims citation at my home through a private server who did not even ask for my signature or obtain any verification of the date/time I was served ( XXXX XXXX XXXX approx. XXXX ). The claim stated that I owed XXXX and that my card had a limit of XXXX. I thought it was a scam, as my card never had a limit beyond a few thousand dollars and the last time I used it was for a family vacation in XXXX and we had since paid it off and not used it again. I attempted to contact Chase to report my card as lost or stolen but the automated message said to call back during business hours XXXX XXXX XXXX XXXX ). I called XXXX XXXX XXXX  and Chase told me they could not speak to me as the debt had been turned over to XXXX XXXX XXXX. I explained I had not used the card since XXXX and believed it to have been paid off and said I wanted to report fraud, as well as the credit limit appeared to be well beyond anything I qualified for and they again refused to provide any information. I was advised to call XXXX XXXX XXXX. I called them XXXX XXXX XXXX as well, and they also refused to give me any information. They said I had to go to court. I asked them how I could present in court with no idea what these charges were or when they were incurred. They said I could request the info but that by law they had up to 30 days to respond in writing and mail their response to me. I asked how they could have up to 30 days to respond when I had only 14 days to present in court from the time I was served. They just reiterated they had 30 days. I asked if I could have an email or something in writing stating that I requested my information and they said no, they could only provide verbal confirmation. So on XXXX XX/XX/XXXX I printed out my response as a defendant stating there is a defect of parties, plaintiff, or defendant ( I am not the person who incurred the debt or who placed charges on the account ) as that seemed the best of the optional responses. I submitted this at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas. I also mailed a certified letter including a copy of my plea to the attorney identifies as the plaintiffs attorney, XXXX XXXX XXXX XXXX XXXX Texas. 
I have yet to receive any information regarding what charges were made, when they were made, or why/how the credit limit was drastically raised. At no time did I receive any email or postal mail notification of any type of debt, of Chase or any collection agency attempting to collect on a debt, or any notification of my account being closed. The first correspondence I had was being served at my home and I am very upset, having no idea what this is in regards to. I appreciate any assistance in trying to resolve this matter and discover who in fact made fraudulent charges on my card.
Consumer complaint received 2023-05-26
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

1 ) In the email I was sent to access the card it says " to activate a pin just punch XXXX in the first time I use it. That didn't work and it declined. When I called ( XX/XX/2022 @ XXXX ) they had me set up a pin over the phone. Then today ( XX/XX/XXXX ) when we called the woman said the cards don't have pins = their information on pins is incorrect. 
2 ) In the email it says to enter my name and address when a vendor asks for that info. But then on the phone call on XX/XX/XXXX the woman said no name or address is attached to the card so we can only do online purchases that don't ask for that info. Which is literally XXXX. What online vendor does not ask for name and address when entering credit card information. The information in the email and on their website says to enter the info like a credit card.

3 ) It does not work with my XXXX pay which is what was advertised and why we bought it. When I called on XX/XX/XXXX they said they were having problems with mobile pay and they couldn't tell me when it would be fixed. 
4 ) I tried to use it on XXXX, it didn't work. I tried to buy and XXXX gift card with it, it didn't work. I have no idea what online vendor would not ask for a name and address so I can not see how it can be used online. 

Perhaps I didn't read the fine print. But in the least this is FALSE ADVERTISING..