davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the the information is inaccurate
Consumer complaint received 2022-04-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2022, Portfolio Recovery added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
Consumer complaint received 2022-04-21
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. (AR)

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, there were several collection accounts disputed and deleted from my credit report and my debt and credit usage greatly decreased. However, Experian credit bureau investigated but did not update my credit score according to the improvement of my credit file.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

Wrong addresses and phone numbers on report. XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX, XXXX XXXX XXXX XXXX XXXX Ar XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX # XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, phone # XXXX XXXX and XXXX.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account Number # XXXX has violated my rights. 
XXXX XXXX Account Number # XXXX has violated my rights XXXX Account Number # 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 reports by more then seven years.
Consumer complaint received 2022-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (FL)

First payment on {$1200.00} loan on XX/XX/15. APR 449.2762 %. Biweekly payments of {$250.00} times XXXX payments.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc. (FL)

Summit Account Resolution claimed to have a valid claim against me but this is not accurate. The instrument known as the contract is the security that is being used for trading for profits. The contract may have been assigned to them but they never actually registered the security for their assignment. This is a necessary action defined under the Securities Act of 1933. They can not do this because they are a third party that has no lawful rights under the Securities Exchange Act. Since this is a security this is a federal matter and if this security is not registered within 14 days of this complaint I will be filing a formal complaint with the SEC as a whistleblower and filing a federal lawsuit against your establishment for various violations of federal law including extortion, securities fraud, and tax evasion. Since I am a holder in due course I have certain rights and defenses that I will explore in the event you continue violating my rights. I have a right to equitable protection since the contract is being held by you and the original creditor. If you do not under this complaint I encourage to reach out to your legal team as I am prepared to sue.
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of america, cashed a check on a mortgage in 2017. Then they said that I didn't pay it and reported my name and my wife 's name to XXXX XXXX XXXX. Saying I was late and didn't pay it. for over 5 years. Once we confronted BOA they stated it wasn't there fault it was XXXX XXXX. XXXX XXXX stated that BOA cashed the check not them. Therefore, I would like to file a complaint with BOA for misrepresenting the facts and for illegal reporting to Credit agencies, slander,
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

XXXX XXXXXXXX took adverse action against me for disputing a late payment. I DEMAND MY ACCOUNT IS REOPEN AND the negative remarks are removed. I was never notified in orally, in writing, or electronically of such claims. There is no such thing as a late payment pursuant to the TILA under 15USC 1666b. I demand my remedy as the consumer under 15USC1692c ( c ) 2. Cash is not required for credit transaction and my account is to be open ended 15USC 1637. If XXXX XXXXXXXX fails to do so and discriminate against me for any unfair remarks on my consumer credit report, they will be held civilly responsible. I have full faith and Credit backed by the UNITED STATES OF AMERICA Department of State. I will use my state Attorney General to hold you accountable for infringing upon the SSN.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (AL)

First advantage violated my rights, which has caused an adverse action on my behalf l, on case # XXXX & # XXXX In accordance with the fair credit reporting act, states i have a right to privacy, infringement to my rights 15 usc 1681b ( a ) ( 2 ) impermissible purpose 15 usc 1681r unauthorized disclosure 15 usc 1692d 15 U.S. Code 1681s2 No one can finish report w/known errors inaccurate/incomplete address and sentence incorrect
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX5 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 2022-04-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

The sold my mortgage on me and sent my payments back and now the hole foreclosure is so messed up no one wants to deal with it. 

They had me paying eight different companies over a two year period and my balance went up instead of down
Consumer complaint received 2024-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc. (NJ)

I am writing to dispute the adverse action taken by Tesla Finance LLC on my credit application for financing a XXXX XXXX XXXX  vehicle, as well as to report potential unfair and unethical business practices. 

On XX/XX/XXXX, I placed an order ( XXXX ) for a XXXXXXXX XXXX XXXX and was scheduled for delivery on XX/XX/XXXX. During the ordering process, I was requested by Tesla to temporarily unlock my credit file, which I did in order to allow Tesla Finance to review my application.

However, in an adverse action letter dated XX/XX/XXXX ( a future date ), Tesla Finance stated that they were unable to extend credit to me due to my credit being frozen, listed as " Credit Freeze. '' This reason is contradictory, as I had specifically unlocked my credit per Tesla 's instructions during the purchase process.

Furthermore, multiple other lenders were able to successfully pull my credit report and provide me with financing options which I ultimately accepted from XXXXXXXX XXXX This raises concerns that Tesla Finance may have discriminated against me by not giving my application full and fair consideration.

The adverse action letter also lacked specific details such as the date when Tesla Finance actually attempted to pull my credit report. This lack of transparency makes it difficult to verify their stated reasons. 

I am requesting that Tesla Finance provide a full statement of the specific reasons for the adverse action, including : 1. The date they attempted to access my credit report 2. Evidence that my credit report was actually frozen/inaccessible on that date 3. Details on the credit criteria used to evaluate my application Additionally, I am notifying the Consumer Financial Protection Bureau of this incident, as it appears to be a potential violation of the Equal Credit Opportunity Act 's prohibition against discrimination in credit transactions. 

I urge Tesla Finance to review this matter and provide a reasonable explanation and resolution. Unfair and deceptive lending practices are unacceptable. I look forward to your prompt response within the required timeframes.

Thank you for your attention to this serious matter.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

I inherited an IRA from my mother several years ago and until recently JP Morgan Chase wouldn't discuss the account with me. I tried back in XXXX to have the account transferred and JP Morgan Chase refused saying I needed to provide a local death certificate even though the valid government document of death out of country was provided. Since then I have been in Chase local branch about 8 times trying to get this account closed. I have filled out the requested form three times and faxed along with the death certificate. I am always told it will take a few weeks and nothing happens. I call JP Morgan Chase and the usual is they don't have the paperwork and I need to go into the local branch and withdraw funds. However at the local branch the account has a code that will not allow the withdrawal of funds. The local branch calls JP Morgan and they don't know what the code is so they tell me to fill out the form and send again. This vicious cycle of passing the problem instead of actually spending the time to fix it is infuriating.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

When I was released from XXXX  on XX/XX/XXXX I realized that my account had several transactions that were fraudulent. I have filed a dispute with chime bank regarding these transactions. I have provided them with verification that I was in jail during the time of these transactions and could not have made them myself. They have closed my dispute 2 times and said that no error has occurred. The last time I filed a rebuttal and they stated that I would have access to the fund today and be able to used my account as of XX/XX/XXXX but once again I was told that I could not have access to these funds and that I have to wait even longer. I have already waited over 30 days and continue to get the run around from chime banking. I have children and have been stranded out of state after having to attend a funeral of a dear family members and I am unable to get home due to my funds being caught up and not available for me to use. My kids are hungry and my bills are due and we are stuck staying in my car while waiting on these funds. We have been stranded for over 30 days and I cant wait any longer for these funds to be available to me. It is deeply important for the well being of my children and myself that the bank provides the provisional credit as they stated they would so my children and I may go home and I can take care of my financial obligations.
Consumer complaint received 2017-10-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

I filed XXXX XXXX in Bankruptcy Court ( XXXX )XX/XX/XXXX, with a creditor 's meetingXX/XX/XXXX, which was not attended by XXXX XXXX XXXX or their representative. ( NOTE : Creditor 's meeting has been continued to XX/XX/XXXX ). I requested a loan modification in US Bankruptcy Court XX/XX/XXXX, and wrote a letter dated XX/XX/XXXX documenting my request as no one from XXXX XXXX appeared in court. The bank responded by providing a loss mitigation application to lower the 14 % interest rate, in their letter dated XX/XX/XXXX. I returned the application XX/XX/XXXX, via certified mail ( received XX/XX/XXXX @ XXXX in XXXX , TN ), and that same day the bank secured a Motion for Relief From Stay to be allowed to foreclose on my loan of 8 years. I believe that the bank, 21st Century Mortgage, has participated in Dual Tracking as the application for loss mitigation has not yet been reviewed, while simultaneously securing an  order to overturn the automatic stay in US Bankruptcy Court for the sole purpose to initiate and expedite foreclosure proceedings. I had also contacted the bank XX/XX/XXXX, seeking assistance in this matter. To date, I have not received a response.
Consumer complaint received 2019-06-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX Account XXXX # XXXX has violated my rights. 
XXXX Account Number # XXXX has violated my rights XXXX Account Number # XXXX has violated my rights XXXXXXXX XXXX Account Number # XXXX has violated my rights XXXX XXXX Account Number # 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 reports by more then seven years.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Consumer complaint received 2024-05-12
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. (GA)

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Please see the attached remedy.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-04-21
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. (PA)

XXXX XXXX XXXX XXXX is reporting inaccurate unfair information and I demand the negative remarks are removed. This account was paid in full and closed and it is being reported as a charge off when in fact it is not. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide such information will result in willful compliance to break the law and the FTC ATTORNEY GENERAL, POLICE, AND IRS will be notified of this infringement.