davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-09-30
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. (NC)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

This guy is leaving a message ( XXXX XXXX ) to call in regarding a case. I know the situation was cleared up months ago. He is on my cell phone number XXXX The text message he left was : FROM XXXX XXXX XXXX : Reach now ( XXXX ) XXXX XXXX MSG : BANK OF AMERICA XXXX XXXX XXXX I did not dial and ask why this message was sent. I received a text message two days ago and reported it to " do not call ''. This guy sounds like he is recording a bank message and setting up a system to call him. Please stop these strange messages. 
He previously took a copy of my social security number and drivers license.
Consumer complaint received 2020-03-18
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: JPMORGAN CHASE & CO. (CA)

I have over the past few months disputed the {$8000.00} charge for services NOT rendered that was charged to my Chase/Marriott Credit card back in XXXX. The company that made this charge was taken over by the federal trade commission for DECEITFUL PRACTICES TO THE CONSUMER and therefore the services were NOT rendered. Chase/Marriott refuses to give me a credit for the charge. The other credit cards ( XXXX XXXX and XXXX XXXX ) did not have any issue with providing a credit - but Chase noted that the fraud company in question - XXXX XXXX. - is one of THEIR affiliates - so they do not want to remove the {$8000.00} charge. This is a total disgrace on Chase/Marriott behalf. I have submitted the federal complaint over and over and they will not drop the charge. I am including the link to the complaint below. I want the charge removed. 

This company was taken over because of deceitful practices and therefore Chase/Marriott has to provide the credit just like the other credit cards have. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

For at least the FIFTH YEAR IN A ROW, Equifax has refused me access to my annual free disclosure online. I answered their authentication questions correctly but they still insist on sending sensitive information through the mail as an alternative. The questions are attached. The answers to all are " None of the above. '' Playing Equifax 's game along with them I tried placing a fraud alert on my account ( after all if they believe I have one of these nonexistent accounts, that COULD be an indication of identity theft, couldn't it? ) but I wasn't even able to do that this year. I request one of my disclosures every four months ( XXXX  on XX/XX/XXXX, Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX ) and Equifax is always the ONLY one I  have this problem with. Repeated attempts to inquire as to whether there really is an issue with my answers have been fruitless. When they eventually DO provide the disclosure none of the purported accounts are there.
Consumer complaint received 2023-07-10
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)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

This letter is to notify the management named as Early Warning that your company placed and unauthorized information on my credit report on : Consumer ID : XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand under FCRA : Section 604 : 1. Permissible Purpose.

2. My original written authorization ( not a copy ). 
3. Proof of signature that I personally initiated this information. 
Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent
Consumer complaint received 2023-09-30
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. (IA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX   Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX Loan # XXXX I would like to file a complaint against Select Portfolio Servicing , Inc . I have been requesting assistance for my property. I have submitted numerous applications, and I have been denied. 
There are several programs that Select Portfolio Servicing , Inc. should have made available for my property as the HAM Program, The DOJ Settlement, The reduction of principal and late payments, however none was provided to me. 
My last submission was on XX/XX/XXXX. Select Portfolio Servicing, Inc. sent a letter dated XX/XX/XXXX with a repayment plan of {$6500.00}. 
The {$6500.00} monthly payment is excessively high, and is not feasible. It will only make me go back into default with this excessive monthly payment. 
Please help me keep my home. 
I would like to keep my home. 
I would like to be considered for a reduction of principal and interest, as it would make my monthly payments more affordable. 

Thanking you in advance, XXXX XXXX XXXX
Consumer complaint received 2020-03-18
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-05-03
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: DISCOVER BANK (NY)

I was charged by SONY entertainment for a renewing membership of something I no longer use. The card they used expired in 2019 and doesnt even have the correct address information. They refused to help me when I reached out. I contacted XXXX ( the financial institution of said card ) and they refused to help claiming the merchant does not need accurate up to date information to charge me. How does that make sense? How are we so backwards that a company may charge my card when the information I had originally given them clearly listed 2019 as the expiration of said card. Even on their own website it says EXPIRED in bold red letters. XXXX refused to help me as well.
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit report with Transunion incorrectly shows I missed four mortgage payments after my Chapter XXXX repayment plan completed. I contacted XXXX XXXX XXXX and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. Transunion still shows four missed payments. I have filed multiple disputes with Transunion and they have refused to correct the error.
Consumer complaint received 2022-12-08
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. (OH)

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I wrote three cease and desist letters to Ally Financial after, I was harrased by deceptive practices and intimidation after asking for validation of the debt. Now I was under a consumer credit transaction of financing an auto loan. I asked for an on and off ledger at the time of the said debt was established. Never got a response they sold my information without my consent to a third party to come to my house and breach of peace and take my vehicle I protested that their is a cease and desist in effect and the gentleman continued and took my vehicle XX/XX/XXXX at approximately XXXX. This contract is fraud because in the XXXX XXXX you can not have a credit transaction and cash transaction its either or so the the finance charge was {$14000.00}, amount financed was {$28000.00} The total of payments is {$43000.00},. The total sales price was XXXX including a cash down payment of {$2000.00}. Ally has possession of my vehicle which they obtained using deceptive practices and threaten XXXX by sending police to my house.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Consumer complaint received 2023-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (ND)

I am writing to file a formal complaint against Cavalry SPV I , LLC a debt collector that has been engaged in troubling and unlawful practices in their attempts to collect an alleged debt in the sum of {$2100.00} from me. I have experienced multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), and I believe it is crucial to bring these issues to your attention. 

1. Lack of Validation : I have sent them several validation of debt letters requesting them to validate the debt but Cavalry SPV I , LLC has failed to provide me with proper validation of the debt as required by the FDCPA. Despite my numerous requests, they have not provided any documentation or evidence that validates the existence and legitimacy of the alleged debt. Instead, they have repeatedly sent account statements without supporting documentation. The balance of the debt is incorrect.

2. Absence of Original Documentation : I have specifically requested that Cavalry SPV I , LLC provide me with the original contract or agreement containing my signature, which is essential for me to assess the accuracy and validity of the debt. They have refused to furnish this documentation.

3. Threats of Legal Action : Cavalry SPV I , LLC has also made threats of legal action against me, including the threat of filing a lawsuit, without first providing the necessary validation of the debt or the required documentation.

These actions by Cavalry SPV I , LLC not only constitute violations of the FDCPA but also create undue stress and XXXX  for me as a consumer.
Consumer complaint received 2023-09-30
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)

I hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing.

I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 
The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report.

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness.

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts XXXX XXXX XXXX XXXX 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 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC. (FL)

This is XXXX XXXX XXXX, I filed for Bankruptcy on XX/XX/2023. Im receiving harassment letters from Exeter Finance LLC. Im requesting this company to cease & stop contacting me about a debt I dont owe. Im in pre litigation with XXXX. In the court case or arbitration meeting all matters will be resolved and addressed by my attorney. An automatic stay has been ordered by the petition filing of my bankruptcy. If Exeter Finance LLC continues to contact me I will file harassment charges and a lawsuit against this company. Im not 100 % sure of the contract I signed with Exeter Finance LLC because my signature has been forged on the retail purchase agreement. I have talked with new legal counsel and I will be adding new legal counsel to start the lawsuit and arbitration process against XXXX and Exeter Finance LLC for breach of contract.