davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NC)

Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through XXXX. 

About four weeks into the lease - on XX/XX/2020 - XXXX  sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX  had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). SageStream - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now. 

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ].

Finally - when I seek out a consumer entitled report from SageStream I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded.

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from SageStream LLC and potentially XXXX  to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

Best, XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

on my experian credit report there is an account which is not my. i ve never heard about this bank. account name is XXXX XXXXXXXX XXXX XXXX open date is XX/XX/2022
Consumer complaint received 2022-09-28
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

In addition this account has been paid in full and is still being reported open by all 3 Credit bureaus.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA closed my account after being with them for 15 years with little to no notification. The only way i found out it was being closed when i went to dispute an unknown charge. I was given no reason as to why its being closed just that it was managements decision and there was nothing that i could do about it. CSR after CSR either couldnt assist me, could not direct me in the right location or even help with a future direct deposit that was coming. One CSR even hung up on me. Though it may be speculation but i was told that this may be due to a fraud check that entered my account where i had been a victim of identity theft and all consequences i had rectified on my own with minimum investigation or support from USAA. Now that it is all said and done, they are not granting me the ability to extract my funds and have left me, while on military orders unable to provide for my family and in further hardship. Ive contacted the XXXX which USAA then gave me a call and told me they will attempt to investigate. Ive contacted them back the next day because the direct deposit hit and Im left with no answer but a later follow up call stating that they are unable to do anything about the account but they will see how to transfer the funds out. Contacted a CSR the following morning and they informed me theres nothing that i can do and that i must wait an additional 10 business days in order for the account to fully close but it can still receive my money but not give me my money.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (CA)

We, my wife an I received a letter from XXXX XXXX XXXX XXXX where they were trying to collect a utility debt for XXXX XXXX. I disputed the debt over the phone and they still sent a follow up letter. I disputed that by saying the supposed debt occurred in Texas and we never lived in Texas nor did we, my wife and I ever have an account with XXXX XXXX as we live in California. 
The letters were addressed to my wife, XXXX XXXX. This is not our debt and On Line wanted her s.s. Number and we were unwilling to provide that to protect our identity.
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Receivable Management Services LLC (FL)

I have updated the account number that your company 's record on my credit report. You mentioned last time that you could not find my file because it was showing a different account number but now that I have updated I hope there will be no more reason for you to not send me the letter of validation. please attach your response to your complaint just to be sure that I would receive it. Thank you!
Consumer complaint received 2019-06-28
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I asked Bank of America to dispute a charge on my credit card. The company I purchased from had obscure return/refund policies that were practically hidden on their website and after I returned the merchandise for a refund, they would not honor it. As of now, they've literally taken down ANY refunds, except for a store credit. 

Bank of America began the dispute XX/XX/2019 and credited my card with the purchase amount and began their investigation. The only research/contacting they did, was with the company who charged me. They never contacted me once to receive any documented evidence, emails, phone calls, etc where the company had told me they would refund my credit card minus a 25 % restocking fee. 

On XX/XX/XXXX, I received a letter that they were unable to pursue my dispute according to the merchant 's refund policy. I called Bank of America 's contact number on the letter and talked with XXXX who encouraged me to go back to the merchant to hopefully recoup the charges. I went back to the merchant who agreed to pay back my card minus the 25 % restocking fees. Now they continue to give me the run around and have no intentions of crediting my card. Bank of America never told me I had the right to reopen the investigation if I still felt I had rights/reason to continue the dispute. In fact after calling Bank of America on XX/XX/XXXX to see what I could do, they then told me I would have had to request reopening the dispute no later than XX/XX/XXXX. No one in the dispute department could explain why their employee on XX/XX/XXXX did not give me that vital information. I have been a Bank of America customer over 30 years and have only filed one dispute in that 30 years other than this one. I feel let down as a consumer and am out over {$800.00} as well as the merchandise which I returned.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Urgent Action Needed : Discrepancies on My Credit Report " Notice to agent is notice to principal, notice to principal is notice to agent. '' I hope this message finds you well. I am writing to express concern regarding several inaccuracies found in my credit reports provided by your agencies. These discrepancies are impacting my creditworthiness and causing undue obstacles in my financial life. 
As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ), I kindly request you to investigate and correct the following discrepancies : 1. Name Variations : The only correct name on the report should be XXXX XXXX XXXX. Please remove all other variations including : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. Employment History : The sole employer listed should be XXXX XXXX. Please remove all other employment records including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Contact Numbers : Please remove all phone numbers except for XXXX XXXX XXXX XXXX The numbers to be removed include : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 4. Residential Addresses : The correct and sole address listed should be XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Please remove all other listed addresses including : XXXX  XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX And other incorrect addresses as provided Your immediate attention to this matter is not only greatly appreciated, but also crucial in maintaining the integrity of your reporting. I'm sure you understand the importance of accurate credit reports, and I'm counting on your professionalism to quickly rectify these errors. 
Please note that failure to resolve these inaccuracies may constitute a violation of the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ). 
I look forward to a resolution to this matter. Thank you for your prompt attention. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-11-10
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-10
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: Summit A*R, Inc. (FL)

XXXX XXXX XXXX XXXX  {$11000.00} XXXX XXXX XXXX $ XXXX {$3400.00} SUMMIT ACCOUNT RESOLUTI {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (AR)

XXXX said the if I retired equipment I wouldnt owe anything I even recorded having they telling me that they would remove off my credit. I did everything as agree and they didnt hold there end of the agreement up.amount {$890.00}
Consumer complaint received 2022-05-17
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. (MS)

In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. ()

Dear XXXX XXXX XXXX, Good day! 

I want to know if I have unclaimed funds there in XXXX  XXXX XXXX, Chase Bank and XXXX XXXX XXXX XXXX  since I am the beneficiary of the trust funds of my fiancee XXXX XXXX XXXX aka. XXXX XXXX and to all his properties there in California USA. And I want also to know if which on those banks have my trust documents. I want this to be investigated since the bank don't even contact me that I have trust documents there. No one told me for 8 years. Because before he went to prison he sent me a bank key of a safety deposit box. Now only I claim it because now only I knew. And someone stole the sd card that have his videos there. I put it on my phone and there's someone stole my phone that time. And the trustee don't even contact me. But aside from the trustee I knew that there's have a copy of the trust documents there in the bank and in Insurance company. I want to know if which banks he put the trust documents. Please investigate this matter since I am not there in USA. I am here in XXXX and when I tried to go there in USA before back XXXX XXXX the XXXX XXXX  in XXXX denied me. If there's have unathourised transactions under my name its not me. It's the scammer, because even XXXX cent of it I don't receive anything since XXXX. And I want justice. I already contacted the Chase Bank before and reported the issue, and they told me that I will send all the evidence pointing me as the beneficiary. And after I sent them the evidence, they dont even contacted me. I just received encrypted email from them. But when I tried to call them they will just declined my call. Chase bank using my information without my permission. They are using it because they knew that I have big money there in Chase Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX  If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. And if there's someone that will used my information to withdraw my money? Thats not me that's the scammer. I want to withdraw my money but should have authorization letter to proof that it's my first withdrawal. Since I never withdraw anything before. I'm from XXXX by the way. Was hoping to hear back from you soon. XXXX 

Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-10
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran five times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to Toyota financial multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (MS)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.- -Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.
Consumer complaint received 2022-09-28
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. (CA)

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.