davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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)

I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which are incomplete and not accurate. And according to the fair credit reporting act, 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. This account, XXXX XXXX XXXX, account number # XXXX is not complete and is not accurate. 

XXXX XXXX XXXX account number # XXXX last payment date is not reporting correctly, date last active, date of last payment is not correct, as well as the payment history is reported incorrectly. This account is not accurate.
Consumer complaint received 2023-07-07
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. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

LVNV funding LLC. or any of their affiliates are not licensed or registered in the state of Florida as a debt collector, or collection agency according to the NMLS Consumer Access website. LVNV Funding LLC NMLS ID # is XXXX, they are licensed and registered in 23 states, but Florida is not one of them, therefore I ask that they cease and desist immediately, and remove all tradelines from all 3 credit bureaus immediately.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (LA)

Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.
Consumer complaint received 2022-12-13
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: TOYOTA MOTOR CREDIT CORPORATION (DC)

In accordance with the Fair Credit Reporting Act Toyota Finacial has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.
Consumer complaint received 2023-11-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. These inaccuracies are not just a source of embarrassment ; they are actively sabotaging my efforts to secure the credit I rightfully deserve. We are both well aware of the laws mandating accurate credit reporting, and it is abundantly clear that the inclusion of such false information is either an oversight on your part or a gross mistake by the reporting creditor. XXXX XXXX. The company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered.
Consumer complaint received 2023-03-28
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
Product: Credit 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. (WA)

On XX/XX/XXXX I noticed there were 5 fraudulent charges to my credit card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} The only place I went that day was to costco for groceries and gas and went home. In the statement it said the charges were made in person in the same state, but I had my card on me so I assumed they were able to somehow clone a card. I called the bank the night the charges were posted and told them the information they needed and it was retracted while the claim was being processed. They closed that card, and provided me with a new credit card. 

Just recently the charges are back on my card and the bank is saying I am responsible for the charges because supposedly the people who used it used the chip? Which I told them was not possible at all because I've had my card on me the whole time. And they said people can't make clone cards with the chip but I was trying to tell them if that's the case, and if I had my card with me the whole time, then either someone is wrong about the people using the chip or someone was actually able to clone a card with the chip. They said they would resubmit the dispute but the tone seemed unassuring. I checked the " Dispute Tracker '' in my bank app and there is nothing under " Open Disputes '' and also nothing under " Recently-closed disputes ''.

I talked to another person and they suggested I call the places where the charges occurred to get any information that would help my case. 

I called XXXX first, and the manager told me he found it odd that I was calling because his bank had never called him about any fraud charges and he said that would be the process. I asked him if there was any information that I could get to submit to my bank and he said he legally couldn't give me any information, that my bank would have to contact his bank, then his bank would have to ask for any information that would help the case. The only thing he told me was a man and woman, which he had names for, were the ones that made the purchase and they used a card that had my information on it. That was as much information he could provide me. He asked if I knew those people and I told them I do not.

So then I wrote an email to the fraud department of why I was unable to obtain any information for the transaction, and what the manager said needed to be done for him to provide any information. In that email I asked if they had ever reached out to any of the businesses since the manager said he didn't get contacted.
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

I've contacted this Collection Agency 3 times now and have not had a response back. I've waited the recommended time ( 30 days ) per letter and I've sent every letter Certified Mail with no response back from them. I'd like to get this debt they say I owe, validated to ensure this is my debt and they have not provided the original signed document with my signature on it as proof of debt. 

I have contacted the 3 credit bureaus ( XXXX, XXXX, & XXXX ) and they have stated that they were able to validate and verify this debt by the collection agency but did not state HOW it was validated and I would like the proof of my owing this debt because otherwise it is hurting my ability to purchase a house and enjoy a life of good credit.
Consumer complaint received 2023-06-12
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. (AZ)

This is my third 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 accounts 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 XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergence Acquisitions, LLC (MO)

Amount : {$2600.00} XX/XX/XXXX Amount : {$5100.00} XX/XX/XXXX Amount : {$4900.00} XX/XX/XXXX Amount : {$5100.00} XX/XX/XXXX I have never seen this. Can you please take this off and any information on the dark web. The dark web and social security inquiries keep appearing on my report every day. Thank you!
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OR)

At first I was working for XXXX 's, I signed up with XXXX, I was terminated because they said my background, I picked up another job, they have the same card program, set up with ADP and XXXX, but now they asked me for my ID, and social security card, to keep the account, I can simply just ask my store manager, just to give me another one, but why do all that when it's the same account, with XXXX  in ADP, so they asked me for my ID and they holding my fund they sent me an email saying that I was still receive it, but the account will close in XXXX days, when they provide service for both companies
Consumer complaint received 2023-07-20
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. (IN)

On XX/XX/2023 I notified Experian of my recent identity theft issue by following the steps provided to me by the FTC to block the fraudulent information on my credit reports. This notification was sent to Experian via certified mail and the tracking number is XXXX. I am attaching a copy of this mailing to this complaint. 

Experian received this notice on XX/XX/2023. FCRA 605B ( 15 U.S.C. 1681c-2 ) states that " 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 4 business days after the date of receipt '' Today is XX/XX/2023, 13 business days after Experian received the notification and the fraudulent information is still appearing on my Experian credit report. Experian is in violation of FCRA 605B. If this information is not corrected I have the intent to file a lawsuit against Experian for violating my rights as a consumer under FCRA 605B.

I have not received any communications from Experian regarding this issue as of XX/XX/2023.
Consumer complaint received 2023-11-10
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)

I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-11-10
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. (NJ)

I appreciate your assistance in recovering a portion of the data in my credit file that came about because of a FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (AR)

Someone stole my card and used funds without my knowledge or consent. I contacted the company and filed a dispute, but was told this would take 45-90 days to complete. There was no offer for provisional credit for use of my funds while this dispute be conducted.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX, I was the VICTIM of Fradulent charges in My BANK OF AMERICA accounts ending inXX/XX/XXXX & XXXX. I Sent in documents to BOA, Police Report, Etc but BOA still refused to credit back my account, even after I did the proper procedure. I did these claims at least 3-4 times. When I notify BOA that I want documentation in writing of why they REFUSED to pay me back the funds that was taking FRAUDULENT from myself & told them I had a Lawyer, and wanted the claims re opened again for FRAUDULENT activity for the 4 or 5th time, They proceed to close both my accounts, for FRADULENT activity, 2 months later, Retailiting against me because I told them I had a lawyer since they wasnt paying myself the money back. BOA are taking peoples money including mine, they did NOT do a proper investigation on my claims & are trying to hold me accountable & refuse to give myself the money back. In my XXXX account it was a total of {$1800.00} ( give or take ) and {$950.00} in my account ending XXXX.
Consumer complaint received 2022-10-19
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 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 deleted : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX FIN XXXX Balance : $ XXXX
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION (TX)

I paid off my auto loan, totaling {$40000.00} the final balance paid being {$1500.00} at the local XXXX bank on XXXX XXXX on theXX/XX/XXXX, 2020. I was told I should receive the title by mail in approximately 2 weeks from that date. I never received anything from them and waited until the XXXX of XXXX before calling to ensure they had enough time to send it. The representative I spoke to on the phone told me the title was just sent out that day and I should receive it soon. I never did so I called back on the XXXX of XXXX and the representative I spoke to told me the lien release was sent out on the XXXX of XXXX as well as the check for overpayment of the loan. I told him I had not received anything from the bank. He told me he was going to expedite the request to have them resend the documents and check and it should be mailed out in two business days. I called back on Monday XX/XX/XXXX and spoke to XXXX, a customer service rep and was told after several hold times that the lien release had been sent to the back office and they are waiting for signature and notary of the document before it can be sent to me. I asked how long that was going to take and she said hopefully it should take 2-3 business days before it is sent out to me. I told her I would like to escalate the case because I have been told different stories each time I called and the lien release should have been sent 10 days after paying it in full. I also told her my vehicle has passed the registration date and I'm not able to register it now due to not having received the lien release. After another long hold she came back and told me she had escalated the case and they could call me back when they get a response and verified my phone number. I informed her I would be contacting an attorney while I await a response.
Consumer complaint received 2023-09-05
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. (IL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-03-09
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. (IL)

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of identity theft, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with identity theft and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX BANK XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX Balance {$17000.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.