davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC. (AL)

Upon reviewing my contracts, obligations, and rights as a natural person operating in commerce, I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named XXXX in XXXX. 
Per the congressional findings of Truth In Lending Act, " The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit ''. 
It is appropriate for me to assume that the salesman that assisted me with the purchase of my XXXX XXXX XXXX  VIN # : XXXX at XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sales.
Consumer complaint received 2023-05-23
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. (GA)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681XXXX - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

I sent letters out XXXX XXXX
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

To start on XX/XX/XXXX my XXXX XXXX Account business card was closed without any notice or notification at all from Chase. I only found out by viewing my credit report with XXXX XXXX. I checked the app, website, and my mail and had received nothing by XX/XX/XXXX when I found out. 

I promptly messaged Chase demanding they open my account again because there was 0 reason they had to do so and had provided me no information. I received a response in email saying to call for more info. I call and they say the account closure was for " bank policy '' reasons and that a letter was sent to me. It is XX/XX/XXXX and I have still have not received any letter. 

Furthermore, I want to reference my account was in excellent standing with 0 missed payments, excellent credit, and no disputes. On top of that this was verified by Chase when they opened the account since I had to call in to verify information for my application and they APPROVED me then only to close my account barely 6 months later. 

They also did this with my bank account which was in good standing for " suspicious activity '' a year or so prior when they couldn't verify my cash was coming from but never offered me to prove cash deposits which I could have easily. 

All these is some sort of clear discrimination or otherwise because my financial history is perfect and this has cost me on my credit reports. Chase is NOT to be trusted with your money.
Consumer complaint received 2023-06-30
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. (NC)

I reached out to XXXX XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!
Consumer complaint received 2023-05-23
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: National Credit Adjusters, LLC (SC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a XXXX protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX$520.00} XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (FL)

Navient is a loan service company, my school I attended has shut down, and I thought was loans would be discharged, why some of my classmates have had there 's discharged, because the school was giving out false information we where not nationally accredited, so I trying to get this resolved and off my credit report.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC (CO)

On Friday XX/XX/XXXX, XXXX XXXX XXXX that is powered or run by customers Bank decided to close my account when I stood up for myself on why it is taking more than 4 days to receive a deposit. Now that my account is closed I have {$350.00} in there that I have no control over. And they won't send me my money. I can not contact them. I tried to call and it doesn't go through. I tried to send messages to get an answer on when I will be receiving my money and it does not go through either. Basically they will not talk to me and a money is just sitting in an account that's closed that I have no control over I can't move it I can't touch it I can't use it. I am currently out of work because a company went out of business I haven't received a paycheck in 2 months that {$350.00} is all the money I have in the world I'm a veteran and a father and this is uncalled for and unnecessary. They are basically just stealing my money and putting it right in front of me and no one cares.
Consumer complaint received 2021-02-05
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom and XXXX. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXI have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-26
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-03-26
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. (IN)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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. (GA)

In accordance with FCRA, facially false data being included on consumer reports in violation of section 607 ( b ). Bryant v. TRW, Inc Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. his company continues to make bad faith and erroneous reporting LATE PAYMENT HISTORY ON THE FOLLOWING ACCOUNTS XXXX XXXX XXXX WAS NEVER LATE XXXX XXXX XXXX ACCT- ACCOUNT WAS NEVER LATE XXXX XXXXXXXX - ACCOUNT WAS NEVER LATE
Consumer complaint received 2022-11-16
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. (PA)

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 XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Consumer complaint received 2024-06-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (CA)

I've been trying for over a week to access my account balance via my computer and also via the mobile app. I'm locked out of both. The reset password form does not recognise my card, so I can't resolve this myself. I've attempted to reach out to them via phone, but the phone numbers provided on their website and on the back of my card are both disconnected. I use this card to access my unemployment benefits, which is my only income source at the moment, so their technical issues are causing me great distress.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to identity thefts fraudulent paperwork tampering with records XXXXXXXX XXXX XXXX XXXX XXXXXXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXX XXXX XXXX XXXX XXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement
Consumer complaint received 2017-05-04
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)

I filed disputes with   XXXX  . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within 30 days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.        XXXX  - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also     XXXX   XXXX  .       I also filed disputes with Experian and   XXXX   they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.     Experian -   XXXX   XXXX   XXXX   and   XXXX   XXXX    XXXX n -   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX  I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have not been able to login to my Experian account. I have been trying since early XX/XX/XXXX / In early XX/XX/XXXX, I attempted to login to my Experian account which I froze in XXXX after a credit tracking company data breach. ( I have the letter from Experian stating the account is frozen. ) The webpage did not recognize my password. When I tried to reset, the webpage did not recognize any data including my email or SSN/birth date combination which has not changed in XXXX  years. 

I attempted logging in several times. I logged out and back in to reset. I turned off the computer VPN. I tried all data at least three time and checked for errors. I tried to resolve using provided phone numbers. The phone automation kept redirecting me back to the pages that refused all data. I then tried emails on XX/XX/XXXX and XX/XX/XXXX. Their reply email string stated they did not recognize my data, to use the number I could get by logging into my account and sent me to another phone number whose automated line directed me back to the email account. I sent a letter on XX/XX/XXXX with all the data they required such as address, current license and insurance. My reply back was like the email. I resent a letter in XXXX after their reply that did not help. I stated would contact consumer bureaus but did not. 

Through all of this I only want to talk to a person not automation and determine why I can not get into my account. I gave up. I decided to take the time to contact you this year when I could not unfreeze my account to free up my credit for a purchase. Before contacting you today XX/XX/XXXX, I tried to login and reset my password and use the customer number. I was not able to reach anyone. 

I do have an account as I have a letter from Experian concerning the account and freeze status from XXXX. 

I find it amazing that an agency that collects critical data on me without my consent to use as they see fit and provide to strangers upon request, can not be contacted to solve a problem. 

I attached XXXX letters to Experian. The second has the same date as the first likely because I was too steamed to proofread it closely. 

I still just want to talk to a representative instead of automation to determine why I can not access my account and fix it for future credit freezes/ unfreezes. 

Thank you
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Every month I paid {$24.00} I had send a few times to my Credit Bureau my disputing Errors on my report with proof. I also send them my legal documents. 

1. Court order by XXXX with the only information on it XXXX XXXX and no other information, no job information, no home address information, no I.D or ony other type of information. Attached you will find the information that is incomplete, wrong, inaccurate. 

2. Attached you also will find a letter with information inaccurate. EXPERIAN is ignoring my Identity theft. I'm tire of speeding, my enemy, time, money. Is not right they are taking my money monthly and don't do anything anything to check the documents that proofs incorrect information. 

Experian is taking advantage of me. And who knows of how Many millions of people who Don't keep degin or fighting for information that is incorrect In there XXXX file. Their negligence and reputation needs to be on the social network for people who are not aware of this inquires unjustified. 

I also have a proof XXXX XXXX account dispute with XXXX who with the proof I submitted they did their job and Delete or fix the incorrect information report on my XXXX as negative and they also deleted the negative information report XXXX Which is the only one who did Their job XXXX, Experian, XXXX, if I have a FRAUD ALLERT where expecify that I called needs to done to my number in other to run a hard inquiry they still denied my dispute. Some they run my credit 2 a day.