davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
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: CL Holdings LLC (TX)

Account number : JEFFERSON CAPITAL SYST XXXX I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice and I have had no correspondence back from your company in over 45 days. Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, \ '' Admission by Silence\ '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2022-10-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-25
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. (NC)

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

I made a XXXX payment in XXXX XXXX XXXXXXXX which included a payment for finance charges they charged me for which was XXXX. I received a call on Friday XX/XX/XXXX from an agent asking me about my payment I hadn't made yet due to trying to figure out why they are still trying to charge me for something I have already paid. They agent who was foreign and that I didn't really understand told me his computer system was down and he couldn't answer my question. I stated to him, but you called me so how is your system down?? He wasn't very friendly at all. Stated I would be filing a complaint with cfpb due to charges they keep having me pay. I am tired of Ally Financial overcharging and cheating me.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern : I am disputing 4 fraudulent ATM withdrawals made on XX/XX/2022 from my Chase Bank checking account totaling the amount of {$1500.00} and seeking reimbursement for the full amount.

The 4 fraudulent ATM withdrawal ( s ) that occurred on XX/XX/2022 were as follows : 1. {$60.00} ( not sure what time this occurred ) 2. {$800.00} ( XXXX XXXX  ET ) 3. {$400.00} ( XXXX XXXX  ET ) 4. {$300.00} ( XXXX XXXX  ET ) These withdrawals were made within minutes of each other at an ATM in New York, while I was in California ( where I live/work/reside ) while I had physical possession of my ATM card. 

I noticed the fraudulent withdrawals and contacted Chase Bank by the next day on XX/XX/2022 to alert them of this security issue, cancel my current card, have a new card issued, and dispute the ATM transactions. After 10 business days they have denied my claim despite my having physical possession of the card, and the withdrawals taking place XXXX miles away from where I live. 

I was surprised and disappointed that Chase denied this claim and could not get a satisfactory answer from their claims department as to why. Do they not have fraud prevention measures in place that protects me from excessive transactions being made within minutes of each other from another state and area from which I do not reside nor visit ( ever ). Additionally, is there no longer a daily limit for ATM cash withdrawals?

I am contacting this department to further pursue reimbursement of these funds in full ( {$1500.00} ). Under the circumstances, I do not think proper or just consideration has been observed by Chase Banks claims department with the denial of this claim. I appreciate any and all help in this matter. 

Sincerely,
Consumer complaint received 2018-10-15
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-25
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. (FL)

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-07
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: WELLS FARGO & COMPANY (OH)

I ordered a early warning report to see what was on it and I see Wells Fargo reporting personal information on early warning about my banking transactions and I dont bank with them for XXXX and how did they obtain my personal information without my knowledge or consent XXXX  XXXX XXXX which is my personal bank also sharing my personal information which is a big let down because I bank with this company and thought my personal information was being protected
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2023-01-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax has a block that wont let any consumers have access to my credit score. They have my information misinformed to where I cant access my credit report online since XX/XX/2017 XX/XX/2017
Consumer complaint received 2022-10-25
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. (NY)

I am, XXXX XXXX, submitting this complaint against Transunion, LLC and there is no third party involved. As of Today, XX/XX/XXXX at XXXX XXXX  XXXX your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX ( CLOSED ) XXXX ( CLOSED ) XXXX XXXX  ( CLOSED ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( CLOSED ) Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees state in binding contract & above.
Consumer complaint received 2023-01-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I was involved in Equifax data breach and requested that multiple inquiries be removed from my account. Equifax placed a statement on my account within 24 hours and stated the investigation was completed and all inquiries belong to me. There is no way they investigated 40 inquiries in less than a day. according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed. I was unable to speak with anyone regarding my dispute because of the security freeze on my profile. Despite providing the correct information, I could not access anything online or via telephone.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I ask for them to remove hard inquires under to The XXXX XXXX, in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2007 ) XXXX XXXX XXXX it decided that without a permissible purpose XXXX is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies. 
As the court interpreted and based on has been done in my case, XXXX clearly states that one only has a permissible purpose for obtaining a credit report under XXXX ( a ) ( XXXX ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-06
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NV)

I bought XXXX gift cards from American express to rent car and the rental place was XXXX, so i didn't have a car when i got to XXXX Texas. So i called American express and put in a complaint so they took the money off the cards. They gave me a claim number XXXX. They told me i would here from them, but to this day they never have contacted me. I have contacted them many times they tell me there going to do something but, when i contact them the claim is always closed. I sent them the paper work but they claim they didn't get it. This is going on since before XXXX.
Consumer complaint received 2022-10-26
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, and XXXXXXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-10-26
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. (WI)

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-10-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks, and months that Ive been struggling to make you understand that the accounts are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Transunion. I already contacted the banks one by one and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file. But you there at Transunion has some internal block that you claim you can use to not block the accounts. Dont you feel bothered by what youre doing? You are damaging my credit file for this! Again, I am attaching my FTC along with the recent dispute letter I sent for you to review and to finally consider deleting this damaging information from my file. 

XXXXXXXX XXXX XXXXXXXX, XXXX XXXX