davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update these items immediately : 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 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 XXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rauch-Milliken International, Inc. (AL)

Our business insurance account was turned over to Rauch-Milliken International , Inc. on XX/XX/. We had been making payments to our insurance company during this time and these amounts were not credited on the amount this collection company had. I requested that the amount we owed be clarified by the collection agency and our insurance company. The collection company kept pressuring us to pay without finding out the true balance and used demeaning statements like, Why are you on auto repeat about this?, Quit stalling and do what is needed to fix the debt you put yourself into. 
I have emails with my requests and the above responses. I was able to verify the amount we owed with the insurance company and provided this information to the collection agency but they disregarded it. I sent a letter to the CEO of Rauch-Milliken International , XXXX XXXX by certified mail and have had no response. The agent who the collection agency used was XXXX XXXX. Never once was I demeaning or demanding in my correspondences but was met with such when she responded to my requests. This is highly unprofessional and unethical and should be addressed.
Consumer complaint received 2023-06-01
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. (IL)

Chase VISA - Dispute Reference : XXXX Chase has denied my claim for a fraudulent charge from luggage shipping merchant, XXXX, even after providing them photographic evidence that the bag I shipped was not oversized. VISA just told me " they don't review photographic evidence '' and " because the merchant provided an invoice the charge is valid. '' Please see history below and note I provided photos with measuring tape of my bag. 

I paid XXXX {$170.00} on XX/XX/2023 for the XXXX XXXX shipping of two pieces of luggage from my home and back. A duffel bag and ski bag. This charge was determined by the weight/size of my luggage. 

On XX/XX/2023 XXXX charged me an ADDITIONAL ( which I did not approve ) amount of {$180.00} ( claiming it was oversized for the trip out ) On XX/XX/2023 XXXX  charge me an ADDITIONAL ( which I did not approve ) amount of {$200.00} ( claiming it was oversized for the trip back ) For both of these additional charges, XXXX claimed the ski bag I shipped was larger than it was XXXX requested I send in evidence of the size of the bag- I sent them that evidence in photographs XXXX claimed that my bag measured 77.0 x 20.0 x 10.0 in ; But as you can see in the measurements, my bag actually measured 66x12x7 XXXX uses a formula of XXXX / XXXX  to determine a number... if that number is less than 65 - then my bag 's original charge was the correct charge As you can see below, with that formula, I come in under 65. Even IF one were to include a couple more inches in the measured dimensions, I would still come under the limit. 

XXXX claims that XXXX " laser scanned '' my bags during shipping. Well I don't know what that means, and perhaps their system isn't effective for odd sized items ( e.g., it's not a square cardboard box ) ... .but I know that a tape measure doesn't lie, and I don't lie, so this is a FAKE CHARGE and should be refunded If XXXX can not rely on XXXX for correct scanning of odd sized objects, they should not provide this service
Consumer complaint received 2022-11-30
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

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 Experian credit bureau to validate this account ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and update : XXXX XXXX XXXX, XXXX, PA, XXXX, BANK XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/2023 XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges $ {$1300.00}
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Linebarger Goggan Blair & Sampson LLP (TX)

A company representative entered my place of employment and had a form she stated I should sign and she would Notarize. I was told the form gave her my permission to research a piece of property ( my home ) my wife and I purchased after my Dad had passed away. I was mislead that this person was working for a Local Attorney. I found out from her Daughter ( a coworker ) that her mom was working for a tax debt collection agency. I did not get a copy of the letter and found that this person had contacted my estranged family in Florida and threatened them with lawsuits concerning this. She disclosed my debt to them, her daughter as she disclosed while having me sign the " research letter '' and she did not notarize the letter in front of me as Texas requires. The date is unclear but I believe it to be XX/XX/2021. 
The person 's name is XXXX XXXX, representing Linebarger, Goggan, Blair & Sampson , LLP. The XXXX has many complaints on this company and I am about to file another.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (PA)

To Whom it May Concern, Thank you for taking the time to review my complaint. The responsible party is Ally Auto. 

For over a month, I received 3+ phone calls a day ( starting at XXXX XXXX sharp ) regarding late payments due to a change in my employment situation. I repeatedly engaged with Ally reps on the phone and communicated my situation thoroughly, even making smaller good-faith payments to demonstrate my commitment. This did not stop the repeated phone calls to both myself and members of my family who are not at all involved with the loan. 

This caused a great deal of stress and hardship and Ally should be held accountable for this. I have a screenshot of an example day of harassment with the multiple phone calls I received. You will see that one morning, they called me 3 times before XXXX XXXX. In my opinion this was predatory behavior.
Consumer complaint received 2023-06-01
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: OneMain Finance Corporation (PA)

I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (SC)

On XX/XX/23 I purchased XXXX but when I did the transaction the Company XXXX said my account debit card could not be used so I thought nothing else about it but the company took out the money anyway thru my US Bank account. I was in contact with bank and a banker noted my account of what happened thus leaving my account in the negative. After that I was told to report this to Fraud Dept where I left numerous messages but the person did not return my message. I called back got same message and held for another fraud person. I explained the situation and this person didnt want to hear anything I had to say he told me my account was closed and I tried to ask why and I was rudely responded by is there anything else after 3 times. This was not fraud I was doing nothing wrong. I have his name and should be in notes. I will furnish more information when requested.
Consumer complaint received 2022-11-26
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2016-07-11
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Auto Properties II, LLC (VA)

XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I got my car from usauto in XXXX and they went out of business and now it was given to Westlake. Portfolio. they refuse to give me any information about my car an say even if I pay it off I may not get the title for the car. An there putting extra fees on my payments an I can't afford that I'm on XXXX and I don't have the extra money. Thay want return my phone calls an if the answer when I call they hang up on me.
Consumer complaint received 2024-03-29
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. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-17
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. (TX)

Fourth bitice to the bureau due to inaccurate inquiries that I politely put in writing and constantly asking only option is to file a law suite due to the negligence due to discrepancies inquiries.At issue in the case are inaccurate inquiries or inquiries that do not belong to consumers that appear on consumers credit reports provided by TransUnion. These types of inquiries misrepresent consumers true credit history, unfairly lowering the consumers credit score ( termed hard inquiries ). The complaint notes that failure to remove or address inaccuracies undercuts the healthy functioning of our nations consumer credit system by providing misleading credit history information about consumers to potential creditors and service providers. 

Timeline of Events Leading to the Lawsuit
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bronstein & Weiss Arbitration (FL)

A woman from what she stated as XXXX XXXX XXXX has been calling multiple family members, some of which are in-laws saying I am in litigation and they are issuing an affidavit. I do n't know of any loans and none of the family members would be on my financials for a legitimate debt collector to even be abiding by the Fair Credit Act. The voice mails are vague, do n't leave case info, docket info, or any other info other than a phone number. This has been constant and distressing to me and my extended family.
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Navient Solutions, LLC. (PA)

The Department of Transportation has reported false information and statements regarding this debt. I was cleared for no wrong doing regarding this debt. I responded to the lawsuit to attend court and the Department of Transportation never contacted me or responded to my response and continued to look for money that I do not owe. This is a 3 year old debt and out of state. The incident this sent took place was in Michigan at the airport. Please remove this false allegations of debt owed off of my credit report and please ask this company to stop harassing me for debt that is not owed.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (PA)

XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX PA, XXXX Social Security # XXXX DOB : XX/XX/1990 Account XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that there are no references to you making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly, as well as the immediate rescission of contract due to noncompliance of federal regulation & the right of the consumer to rescind the contract under these circumstances. Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

I received a letter from my car insurance carrier that I am paying higher rates because of something in a report from LexisNexis Risk Solutions. I have been trying for three days to contact this company by telephone. I sent an email on XXXX. I called on XX/XX/ at XXXX, XXXX, and XXXX. I called on XXXX  at XXXX, and sent a second message. I called today XXXX at XXXX and XXXX. All I get is the same message to go to the website. I can not access a live person. How do I resolve an issue when I don't know what it is and can't talk to anyone. Is this company even legitimate?
Consumer complaint received 2023-06-01
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. (PA)

I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On 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 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 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 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 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 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