davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC. (CA)

I applied for a mortgage on  XXXX / XXXX / 17  to purchase a manufactured home and the company refused to include my accounting income. I have the right to amend my income tax returns and the company stated that they are refusing to cooperate and reverse the denial letter that they sent me. I was just told this by an underwriter at the company.
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (SC)

Around XXXX my wife ( XXXX XXXX XXXX & I attempted a transfer of two IRA 's with XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, SC XXXX. ONE FOR OVER {$8000.00}, THE OTHER FOR OVER {$7000.00} XXXX in her name ( XXXX XXXX XXXX & one in my name, XXXX XXXX XXXX. Lo & behold we found out the bank DOES NOT DO WIRE TRANSFERS! We therefor proceeded to get two bank checks and certify/ Return receipt them to ALLY BANK, XXXX, XXXX XXXX PA XXXX. As of XX/XX/23 date we can not get confirmation these monies are in our account & drawing interest & we fear we may be penalized by the IRS for not having timely transferred funds! Besides numerous conversations with ALLIED & repeatedly reciting their security questions, we still can not get confirmation of our transfer & their receipt of these funds! Today " XXXX '' besides recharacterizing my comments kept insisisting only a call from an accounting person in 1 to 2 days could answer my questions! It has been since XXXX that I began this process- How long do their business operations take??? This is ridiculous, without merit & we may take a tax loss because of their inadequate & improper handling of this transaction! WE STIL HAVE NO RECEIPT OR CONFIRMATION ABOUT OUR FUNDS- ALMOST A MONTH! I have spent over 3 weeks tying to resolve this!
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (FL)

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 2023-02-19
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: EQUIFAX, INC. (GA)

This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO. (AL)

I have been reviewing my credit files and noticed that Chase Card has a debt that was from XX/XX/2008 but the more I looked, it 's as if the debt was started over. I am not owning up to the debt but seeking assistance. I did file a dispute with the credit bureaus. I have a letter that I need a response on and have provided as much information as I possibly can in regards to this debt on my credit files.
Consumer complaint received 2023-01-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America sold my mortgage in XX/XX/XXXX. XXXX ultimately took on my home mortgage in XX/XX/XXXX and they modified the loan in XX/XX/XXXX. Bank of America continues to report my loan as delinquent in XX/XX/XXXX even though they sold the loan in XX/XX/XXXX. Since my modification, I have had stellar payment history only to have my credit ruined by Bank of America 's practices. I have disputed this several times with BofA through online disputes, only to have them not correct the issue and continue to report incorrectly. My husband is a fully retired XXXX vet and due to this error on BofA 's part, we were denied a VA mortgage loan.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NJ)

I filled out a dispute form and both emailed and faxed to this company back on XX/XX/2022, for a fraud claim I had filed with them shortly before over the phone. They only resolved one measly charge, out of the 13 that I reported fraudulent. They completely eluded about 90 percent of my fraud claim...
Consumer complaint received 2023-01-24
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. (CA)

I have tried to contact Experian to reset my log-in and password and have not been successful. I have called 6 different phone numbers in that company and all have the same voice mail message and prompts. Not one option is to reset log-in and password. There is no option to talk with a live person. I want to reset my log-in and password so i can unfreeze my report. I have sent them a letter 4 weeks ago and have not heard from them.
Consumer complaint received 2023-01-24
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. (DC)

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-24
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. (TX)

On XX/XX/2022 I sent information to the three major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate.

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is 100 percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter.

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not 100 percent correct. It is also my undertanding that you have 45 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number VerificatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (FL)

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXXXXXX XXXX  XXXX is showing ACCXXXX # XXXX from XXXX XXXX XXXXXXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX Experian is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-24
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. (TX)

On XX/XX/2022 I sent information to the three major credit bureaus requesting they verify my accounts as quite a bit of information is inaccurate. below is the letter that was sent including each account I requested verification for. I do not have the complete account numbers included. This information has been verified as accurate yet it is still inaccurate. 

I received a copy of my credit report with the intention of improving my credit and noticed a few accounts that I wanted a little more explanation on. I am not sure my report is 100 percent accurate. From my understanding, according to the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not confident is accurately portrayed on my report. Some of the items being reported are from companies I have not conducted business with and have never heard of which is concerning and is another reason for this letter. 

After becoming familiar with 15 U.S.C. Sec. 1681i ( a ) I understand that if you cant provide proof, these accounts must be deleted from my report. I want these accounts deleted if they are not 100 percent correct. It is also my undertanding that you have 45 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or incorrectly listed on them. I'd like to know who else has access to my file and upon completion of the entire investigation please send the results and the updated credit report to the address listed in this letter. Thank you for your time and help in this matter. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Validate Account according to my rights under the fair credit reporting act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-13
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. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My consumer report consists of a number of inaccuracies that i have personally contacted the furnisher and the reporting bureau. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of the account, they are not permitted to report it to the credit bureaus. I have on Mutiple occasions asked the credit bureaus XXXX, XXXX and Equifax to remove these items from my credit report if they can not be corrected, XXXX being the only agency to rightfully do so. the other two still have not done so which is a complete volitation of my consumer rights.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (TX)

On XX/XX/XXXX I sent a revocation of power of attorney to CarMax Auto XXXX  by certified mail. CarMax did not acknowledge this letter. CarMax no longer has power of attorney over my car contract. 

I also sent In an affidavit of truth with codes CarMax Auto XXXX has violated. 

Affidavit of Truth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AFFIDAVIT OF XXXX XXXX XXXX XXXX  This Rescission notice is made Pursuant to 15 U.S. Code {$1600.00} ( a ), rescind the agreement. Neither was Igiven the notice that as Iwas never told Ihad 3days to transactions. Furthermore, you CarMax Auto Superstores comes along with all the consumer credit all my rights as a consumer including but not Inc failed to clearly & conspicuously disclose 6 Take further notice that Pursuant to 15 U.S. Code {$1600.00} Superstores Inc accepted a CASH down limited to my right of rescission.

1, Breanna U.S. Code {$1600.00} ( i ) ; Pursuant to 14 XXXX, participated in a consumer credit transaction and not a loan ; consumer credit transaction shall be determined m e by your organization in direct violation CarMax Auto which clearly states : The finance charge does payment of {$1000.00} violating 15 U.S Code transaction. not include charges of a type payable in a 1605, comparable cash Pursuant to 15 U.S. code {$1600.00} ( 1 ) ( 3 ) ; one can be fined year, or both, for giving false or inaccurate information up to {$5.00} or face imprisonment for up to one to disclose. In this case you, CarMax Auto Superstores or fails to provide information which is required rescission, I am not liable for any interest becomes void effective disclose and provide all information clearly to Inc, willfully violated this law when you failed Notice that pursuant me as a consumer. to finance charge to 15 U.S. Code {$1600.00} ( b ) : upon receipt of this immediately. or other charge or other charge, and any security Take further notice that 20 ( twenty ) days after property given as earnest money, down your receipt of this notice, you must return necessary or appropriate to reflect the payment, or otherwise. Also, you shall take any and placed on the property which termination of a security interest created under any money or action in this case is aCAR ( XXXX, XXXX, XXXXXXXX XXXX  the transaction # XXXX )