davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We ( XXXX XXXX ) received this loan in XXXX from the below company.Shortly after the car was not functioning appropriately and was not working .The company refused to fix the vehicle and resulted in us making no further payments and that the company was then called to come and pick up the vehicle.They never fixed the vehicle or returned it to us .We have tried to contact the company to make restitution and have found that they have gone out of business and has several complaints on the XXXX.They removed the repossession from my wife 's credit report some time ago but not mine. We need this removed ASAP it is interfering with our home loan.Please contact XXXX XXXX XXXX or by email XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$13000.00} You've paid off 16 % of this loan OVERVIEW Highest balance {$13000.00} Monthly payment {$420.00} Opened XX/XX/XXXX ( 6 yrs, 6 mos ) Term 44 months ( 3 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Joint Remarks Repossession Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA ( XXXX ) XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-09-10
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. (NJ)

XXXX XXXX XXXX, account # XXXX, amount of {$8200.00} reported on XX/XX/XXXX  XXXX XXXX XXXX, account # XXXX, amount of {$16000.00} reported on XX/XX/XXXX XXXX XXXX amount of {$690.00} reported on XX/XX/XXXX  XXXX XXXX XXXX amount of {$3600.00} reported on XX/XX/XXXX in accordance with the fair credit reporting act 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 a account without my written instructions
Consumer complaint received 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX 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.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Bad experience with BECU I got my business checking account until one day on the on XX/XX/XXXX of 2022 someone took XXXX dollar on my account and make a payment on a credit card wich it belong to XXXX XXXX and I went over and complain but they say that they cant do anything I m so upset with BECU but they never do anything they say that its my obligation to check my account every day plus the dont give me XXXX XXXX XXXX so I dont recommend BECU
Consumer complaint received 2023-05-31
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. (TX)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all 3 credit reporting agencies.
Consumer complaint received 2023-05-31
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. (GA)

To EXPERIAN XXXX XXXX : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Consumer complaint received 2023-01-02
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: 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. 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.
Consumer complaint received 2023-05-31
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. (MD)

Inaccurate Inquires on my credit report XXXX 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 2023-02-02
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. (IL)

I've mailed multiple dispute letters regarding an account on my consumer report for XXXX XXXX XXXX XXXX  since XX/XX/XXXX. Reporting agency Transunions has removed this item for a month and never sent re insertion of the account being re-added to my credit report. Also repeatedly mentioned to them my account online not being updated for my current disputes. They've failed to respond to me as well. Mailed in a certified letter re verifying information that was verified months ago in XXXX of XXXX and yet still have not received no reply, for its been over 30 days. There are multiple open account temps that I am unaware of and repeatable reached out to Transunion regarding these Inquires. XXXX XXXX date XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX and aware of all my rights under the Fair Reporting Credit Act ( FCRA ). These accounts are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These multiple inquires were not done by me, under 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. My first claim was on XXXX, claim number XXXX, where I was told through you guys you couldn't verify my identity. I've mailed in my proper documets and have also attached a copy of you guys response
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is my final notice that the items I disputed on my credit report were not validated and may have been due to the XXXX data breach. See the attached FTC report and XXXX data breach claim id and remove the following accounts from my credit report. I have been keeping record of my correspondence with you and being that I have been trying to get this removed since XXXX of XXXX, I am expecting the following accounts to be removed within 14 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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. (FL)

I have been a victim of identity theft. All my person information was stolen mainly my social security number and ID. I ask that the following items listed be deleted as soon as possible. Company reporting this fraud information Credit report Fraud items- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-10-31
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: General Motors Financial Company, Inc. (MI)

GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (GA)

I established a Military Star Credit Card with the government company known as AAFES from the years of XX/XX/XXXX to XX/XX/XXXX. While I had the card I endured hardship i.e. divorce with a new child, moving apartments, buying furniture. No longer having the additional income of a spouse, I got behind on the Military Star Card multiple times but made payments as much as I could. 
I was XXXX  discharged from the United States XXXX on XX/XX/XXXX due to injuries sustained from duty. I paid the Military Star Card balance off in full/entirely and closed the account on XX/XX/XXXX. AAFES performed a " hard '' close on the account so the account was sealed. 
Presently, AAFES is reporting to all three credit bureaus that the account had activity from XX/XX/XXXX-XX/XX/XXXX which included seven missed payments. Some 30 days, 60 days up to 90 days late. They took my past mistakes ( late payments ) I concurred before XX/XX/XXXX and reported them on the years of XX/XX/XXXX-XX/XX/XXXX when the account had been closed four to five years by then. 
They are tremendously impacting my credit negatively to keep updating this information. I have called numerous times about the issue just to be told " nothing can be done about it ''.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act XXXX  and according to 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
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB  : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Someone is using my identity and openeing fraudulent accounts in my name. Credit bureaus are reporting phone numbers and addresses that I never been associated with. I have alot of inquires on my report that I dont recognize. My credit report looks very horrible and this is defamation of my character. I am more responsible than what the credit bureaus are making me look.
Consumer complaint received 2023-02-01
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  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
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (TX)

Hello, I was involved in an accident where I was hit from behind along with damages and a totaled car. I am not responsible for the debt that they are saying that I'm responsible for. XXXX didn't send me anything. A third part collect is threatening to take my license and report to my credit
Consumer complaint received 2024-03-02
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CO)

Direct Express Debit Mastercard Comerica is where my XXXX XXXX XXXXXXXX monthly checks are deposited into. Card was closed by DE because of fraudulent activity. After it declined I called the customer service number and was told the charges had been made from XXXX XXXX, XXXX to the day I called and received the claim number XX/XX/XXXX. She told me to call back the next day and request the form that I needed to complete, and any evidence I have within 10 days from the XXXX. I did so. The form did not get to me in the mail until XX/XX/XXXX, leaving me with very little time to filI out the form and any evidence. I faxed and emailed it that evening. I received an email on XX/XX/XXXX, that I wasn't sure if it was a scam, claiming to be from them, so I called, I was given conflicting answers. I was sent to different people several times, and finally reached what I was told the " Supervisor Dept. ". I explained it to him, and he told me that my dispute was closed with no explanation for the reason, and he had no further info. It was the next day after I faxed and emailed everything in the evening the night before. It was already closed without any kind of an investigation or explanation why. I did everything by their rules and timelines. I live in XXXX, and the charges were all in XXXX. Most of the charges were made on the same day as some of my charges. I could not have been in two places at once. I filed police reports in every city the charges were made in XXXX  over the phone. I jumped through every hoop they made me do. The total transactions were XXXX, with a total of {$2100.00}. I am on XXXX and it is my only income, and I only make {$1300.00} a month as it is. So, I am now left with nothing to do about it. They are so rude, and hang up on you. I have been victimized twice. I've been a mess since it happened. 
XXXX XXXX
Consumer complaint received 2023-05-31
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. (NC)

XXXX XXXX XXXX Credit card opened XX/XX/XXXX, closed XX/XX/XXXX Amount : {$280.00} I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX The credit card opened in XX/XX/XXXX, Closed in XX/XX/XXXX, XXXX late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX  The credit card was opened in XX/XX/XXXX and is still open Two late payments were reported in XXXX and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX, Loan closed in XX/XX/XXXX XXXX late payments were reported on XX/XX/XXXX, and XX/XX/XXXX I contacted the bank to try to resolve the matter but was told nothing could be done. 

XXXX XXXX XXXX XXXX The loan opened in XX/XX/XXXX and closed in XX/XX/XXXX XXXX late payments were reported for XXXX, XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the bank to try to resolve the matter but was told nothing could be done.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

I got a XXXX overdraft fee on XX/XX/XXXX and a XXXX overdraft fee on XX/XX/XXXX overdraft fee on XX/XX/XXXX, XXXX overdraft on XX/XX/XXXX and a XXXX on XX/XX/XXXX Then they canceled my account
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NJ)

i have been a long time wells customer in XX/XX/2007 my loan was here and i got offers for free checking no minimums My loan was TRANSFERRED out and as a result i have lost all my perks and am getting billed fees. I want them refunded i wish my crown to stay here at least XXXX with no minimum required. AS it was grandfathered. i dont want to have to leave the bank. This is not fair right now i have a fee on XXXX and XXXX will likely be billed this is not right or fair PLEASE help me or i will have to leave the bank altogether. i dont want to i did not ASK for this HELP no red tape no scripts Help for loyalty Just got hung on by CS pull the cALL no fees please refund my money in XXXX put in XXXX and give me time to go elsewhere if you cant help me i cant and should not have to pay fees