davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (NY)

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website has the car price at XXXX. I get to the dealer and now the car is XXXX. No explanation. The website states that there was no accidents but on the passenger side front was damaged but painted over. The main problem is the option charges that I was signed up for and was never explained nor given the option to decline. Now they want me to pay XXXX a month, when I traded in my old XXXX where on the contract says it was sold for XXXX. I have been trying to contact finance of the dealer but he is either sick or not in. Buyers beware! 
Don't leave until you get everything explained. Save you a lot of time and money. Watch out for OPTIONAL gap contract. Windshield protection, both XXXX, service contract XXXX, I am going with XXXX for this, much cheaper. Also an XXXX fee for XXXX and you can do it for XXXX with labor
Consumer complaint received 2024-04-02
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A XXXX 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 ) ( XXXX ) 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-10
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. (TN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (GA)

My Complaint is against Transunion i had a collection removed from my credit report there name were XXXX XXXX XXXX. On XX/XX/2023. An Transunion drop my Score from a XXXX to XXXX XXXX points this has to be fraudulent incorrect reporting i have also noticed this type of reporting done with XXXX an XXXX I would an investigation done on my behalf concerning wrongly fraudulent credit reporting on all three for the year of XXXX thank you
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-02
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. (IN)

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts/promotional inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

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.

15 U.S.C 1681 ( c ) Section 605 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 for crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I disputed a collection for {$5300.00} back in XX/XX/2023 and recently opened a dispute XX/XX/2023 and it was closed XX/XX/2023, XXXX is the only credit agency reporting this nonsense. The collection with National Credit System is not mine, I believe Im a victim of identity theft.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

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.

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 2023-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We received a letter from Bank of America refusing to speak to my husband regarding all details concerning this Mortgage even though I sent a signed certified letter to them on XX/XX/2023 ( Certified Mail - # XXXX ) authorizing this. 

In the most recent letter we received, they claim they never received such authorization. Yet, in the same set of correspondence they acknowledge having received my certified letters. 

Finally, it appears Bank of America, in response to valid complaints, is committed to saying " we have nothing to substantiate your claims '' which to a lay ( non attorney ) person means -- " We are not going to seriously look at your complaint, so sue us ''. We don't believe you have the resources/deep pockets to pursue a lawsuit where facts can be discovered to prove the truth of what you claim even though we know exactly what is taking place. We'll take your money, but we can care less about you. '' Sadly, this appears to be true. I maintain hope that something can and will be done.
Consumer complaint received 2023-08-21
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. (IL)

I did not authorize these accounts/inquiries on my credit report XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ca XXXX * XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX Location:XXXX XXXX XXXX fl XXXXXXXX XXXX XXXX XXXX XXXXXXXX Location XXXX XXXX, XXXX oh XXXX 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 name : # XXXX, Account name : # XXXX, Account name : # 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 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (WA)

Over the years I have had the card there has been several troubling issues. On occasion when before I have the chance to make a late payment -- -I get another " punishment '' -- the card locks when I am in public using the card. Early this year I am obviously paying the card off and corresponding with the XXXX XXXX card XXXX number -- they refused the card payment. I always had to talk to " girls '' they would pass me around on phone calls!! More Punishment!!! They even hung up the phone call once!! I contacted my Attorneys and also started a complaint early this year!!! I just received another email " they want to talk again ''!!! Now the balance of the credit card is {$1700.00} dollars!!! More punishment??? I am disgusted with this intentional harrassment and ruining my credit score!!! XXXX XXXX XXXX card girls need to go Prison!!
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in 2020 and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my Experian report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by Experian to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I was approved for a US Bank platinum visa credit card a couple weeks ago. I let the underwriter know the sole reason I was applying for the card was to take advantage of the 0 % apr for 20 months because I was going to purchase a wedding ring around $ XXXX. The card was approved at $ XXXX. When I tried making the purchase for {$11000.00} it was declined. shortly after, us bank fraud department gave me a call and said because of the amount they had blocked it but they would remove the block and asked me to try again. I tried again and was blocked. I called the fraud department and this time a different rep said because the amount was so high to try to cut the amount in half and try the transaction twice. I tried doing that and still declined. I called a third time to fraud and they said it was still too high and to try to break the amount into thirds. I tried that and declined yet again. the forth time I called the rep said because of too many attempts at various amounts it was suspicious and they were going to send it to review. I tired letting that rep know this is what the other us bank fraud reps instructed me to do but he said he was still going to send it to a review team. at this point I was very upset and asked to speak to his manager and he stated he had none. also the first 3 times I called the reps asked if I would like to do a survey  after the call but with this person I asked to do the survey he said it did not exist. 
I called yet again a 5th time and the rep said she would remove the block but because this is a new card I would need to make smaller purchases first and pay back to build history with us bank. I then tried to make a {$20.00} purchase and a {$3.00} purchase and both were declined. I called a 6th time and the fraud rep gave me the number to the review team and said to speak with them and hung up. I called the review team and their rep said I spoke with someone and she could not verify my income. I told that rep that none of the representatives from the fraud team asked me about my income at all, so he said he would transfer me to the person who stated the income discrepancy. I was transferred and no answer and can not leave message. I called the review team back again and another rep said that person was on vacation for a week and when I told her I could not leave her a message there wasn't anything I could do and that she was the only person who can review this. 

I let each rep, both from fraud and review, know that I planned on proposing end of summer/beginning of fall and that the ring takes 4-6 weeks to make after I purchase not including the time it will take to ship. I also let them know the only reason I applied for this card was to take advantage of the 0 % apr but with all the time this is taking my promotion rate for 20months is  decreasing.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (IN)

On XX/XX/ I sent discover Bank a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By discover Bank publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness.

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. Engelhard vs. Gravens ( MO ) 281 SW 715, 719,1 may presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Consumer complaint received 2023-09-29
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. (PA)

I sent to the credit bureau a letter asking to verify a debt on my credit report. They have sent it back saying that is everything is verified correctly. My credit report is still showing inaccuracies. According to the Fair credit reporting act everything in my credit report have to be one hundred percent verifiable, accurately and timely.
Consumer complaint received 2024-04-02
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. (NJ)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

THIS IS NOT A DUPLICATE REQUEST! XXXX XXXX! I will send an invoice with all my right you are violating! If it was duplicate why did yall send me the attached email??? EXPERIAN IS CLEARLY VIOLATING MY RIGHTS! I will not hesitate to get legal help if they do not comply to my demands for MY CREDIT REPORT!

See attached. I am confused about the reporting of this closed account? Says its open and delinquent 60 days??? How is that possible, when XXXX is reporting as closed and no late payments?? You are INACCURATELY REPORTING and it is hurting me right now. It is preventing me from purchasing a home. Correct this or remove this account off of my report completely, immediately. If you can not accurately report then I do not give permission for this account to be on my credit profile. 15 usc 1681 ( b ) ( 2 ). 

I am learning all consumer laws and fighting back! 

You will continue to hear from me! You are commuting fraud on my credit report!!! 

This is me! I shouldnt have to prove this is me! You dont ask companies to prove its me when you put false information on my credit report.
Consumer complaint received 2021-08-03
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. (MA)

HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.