davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (WA)

On XX/XX/XXXX I made a reservation with XXXX for a total amount to be paid, including fees and taxes, of {$1100.00}. I did not make any additional elections or add-ons upon picking up the vehicle on XX/XX/XXXX. 

On XX/XX/XXXX, I returned the vehicle on time to XXXX XXXX XXXX XXXX XXXX. However, my XXXX XXXX ( XXXX ) credit card was charged {$1600.00}. This charge was {$510.00} higher than the agreed upon amount in the reservation. 

On or about XX/XX/XXXX I contacted XXXX by telephone after noticing the {$1600.00} charge on my XXXX statement to inquiry why I was charged {$510.00} more than the reservation amount. I paid the full amount to XXXX but believed I was due a credit/refund. The XXXX representative I spoke to stated that I had already been credited {$200.00} on XX/XX/XXXX which should be reflected on my XXXX statement and that he would credit the {$180.00} Liability Ins. Supplement charge. Later that day after reviewing my XXXX statement and not finding any {$200.00} credit from XXXX as the representative claimed there was, I disputed the charge with XXXX. Based on my conversation with the XXXX representative, I requested a credit of at least {$380.00}. 

In XX/XX/XXXX the dispute was settled by XXXX in my favor. 

In XX/XX/XXXX I received the XXXX invoice for {$380.00}. 

On XX/XX/XXXX I contacted XXXX by telephone at XXXX, the telephone number on the invoice. The representative I spoke to could not locate the reservation and requested that I email her the original reservation for {$1100.00}. I forwarded the original reservation email to XXXX. After reviewing the reservation and final charge, the representative acknowledged that XXXX erroneously charged me a different rate, resulting in an overcharge of {$510.00}. The representative claimed that XXXX would issue a refund for this amount after I paid the invoice of {$380.00}. I requested to speak to a supervisor to propose that the invoice from XXXX simply be voided and I would forfeit the additional amount XXXX owes me. I was told no supervisor was available, but that I would receive a call back in the next XXXX hours, but no later than Monday XX/XX/XXXX. After requesting a case number, the representative gave me case number XXXX. No call or message from XXXX was ever received. 

On XX/XX/XXXX and XX/XX/XXXX, I called XXXX again. On both calls, XXXX representatives acknowledged I was erroneously charged a higher rate, but stated no supervisor was available, and that I would receive a call back. No call or message from XXXX was ever received. 

On XX/XX/XXXX, I mailed a written response to XXXX explaining the above. The only response I received was that my XXXX rental privileges and membership had been cancelled. 

In late XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collector, that they are trying to collect a debt owed to XXXX for {$190.00}. 

XXXX has fraudulently invented a debt that I do not owe and forwarded part of it to a debt collector.
Consumer complaint received 2015-11-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MO)

Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint.
Consumer complaint received 2024-03-14
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. (NY)

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


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 2022-01-30
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. (GA)

My name is XXXX XXXX and I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Equifax no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Equifax regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Equifaxs blatant disregard for federal law. It is my belief that Equifax feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Equifax has caused me sleepless nights, stress, XXXX and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Consumer complaint received 2019-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I made a purchase at The Home Depot at XXXX XXXX XXXX, XXXX Fl. on XX/XX/2019 and at the same time applied for a Credit Card. I made it clear that I was paying for the product with my Debit Card and was not charging anything on the credit card. I paid with my debit card and the cashier also put the same purchase on the credit card. I have called Home Depot corporate office, been to the store twice, called the credit department twice, written the credit department but to this day, The Home Depot will not remove the charge from the credit card. The purchase was for {$82.00} and now with late fees the balance on the card is {$150.00} and they continue to send me a bill in the mail.
Consumer complaint received 2022-09-02
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXever received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$9200.00}
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

XXXX, Experian, XXXX and XXXX is unlawfully reporting XXXX   XXXX/XXXX//XXXX  tradelines account no.XXXX  after the sol expired on XX/XX/XXXX. 1st delinquency was XX/XX/XXXX.
Consumer complaint received 2019-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NJ)

I was a victim of identity theft and person used information to open a Raymor Flannigan card and purchased furniture with some of my information. 

I disputed this account and purchase with XXXX card service and was cleared by their fraud division. They sent a letter and had the account removed from my credit and provided a copy I have as well. 


I saw on my credit report a collection agency by the name of XXXX XXXX   XXXX  and have disputed this with them directly. 

I was advised that I should fax in the information from the fraudulent Raymour Flannigan card clearing my name and they would review it. 

I faxed the documents about 4 times and they never received them. I later delt with a representative by the name of XXXX XXXX who had my email them the documents to review. 

I later followed up with XXXX who told me these document are not debt they are collecting even though the amounts are the same. He later told me he was requesting a file from the company directly. 

My complaint is I was cleared of this Debt and the company most likely purchased this debt from Raymour Flannigan or was hired in an attempt to collect on a debt I was cleared from.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (DC)

I paid my balance for my Citi Aavantage card and closed my account. Later I received an email that I missed a payment. When I called in they said that they was a {$27.00} interest charge plus {$90.00} worth of late fees. I asked if the emailed me or mailed me a notification of my balance and they said the information was on my online account. I was no longer checking my online account because I thought my account was closed. The email that was sent said that I missed a payment and did not have any details about the payment. The company refused to refund more that one late fee of {$39.00} dollars. I paid the bill but want to file a complaint because I believe this was completely unfair.
Consumer complaint received 2023-03-07
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. (NC)

XXXX was asked to correct my name on XXXX. As well as allow my credit report to pull to ger a XXXX XXXX a home. XXXX combined one of middle names and my last name together. It stopped me from buying a home. XXXX ask me to send my Drivers License ( A Real I.D was provided and a copy of my Social Security Card which I did via fax to XXXX. I received a notice that XXXX on XXXX had closed the dispute. Their reason was as follows : Please see attached Documentation. 

Experian has no way to speak to anyone at all. They will also not allow my mortgage company to pull my report. They stated to mortgage lender that I have no credit file at all. The only two options they provide are hang up or self-service. The Self service from does not allow me a resolution at all. 

XXXX however was very easy to work with if you pay for their monthly service of course.
Consumer complaint received 2022-09-02
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. (FL)

XXXX XXXX XXXX inaccurately reports as a debt from a creditor XXXX XXXX XXXX. 

I have never conducted business with either of these companies and requested documentation with my signatures which stated I had any type of transaction with these companies but have failed to receive them. 

The companies have placed this on my credit file and it is inaccurate.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I was denied a credit card by Citibank as a credit-worthy applicant on. This is considered discrimination according to 15 USC 1691 and 12 CFR Part 1002 ( Regulation B ).
Consumer complaint received 2023-02-23
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. (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: JPMORGAN CHASE & CO. (CO)

On XXXX, an amount of {$72.00} was posted on my credit card from a merchant called " XXXX XXXX ''. I contacted my bank and explained to them that service has never been provided by the merchant and I disputed the charges. The transaction was made online and the merchant should issue a voucher but no voucher has ever been received from the merchant. I contacted my bank multiple times but they seem not to take appropriate actions regarding this fraudulent charge. 
XXXX is an online marketing website which give discount for some businesses and when you made a business transaction with them, they issue you a voucher that you take to the business to get admitted. For my case, I booked a basketball game event through XXXX but they never issue me a voucher for the event. So I wasn't allow to attend the basketball game event that I paid for through XXXX because they failed to provide me with the service
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SHABANA MOTORS (TX)

I LEASED A CAR WITH ISSUES AND WITHIN 2 DAYS I FOUND OUT THE CAR DIDNT HAVE A BELT ON THE ENGINE WHICH IS HAZARDOUS FOR ME MY WIFE AND KIDS THAT I HAVE IN THE CAR AND THEN WHEN THEY PUT ONE ON THERE THEY SAID THAT WAS MY 1 FREE SERVICE WHEN IT WASNT MY FAUKLT THEN THEY DIDNT FIX ENGINE PROBLEMS IN THAT ONE FREE SERVICE AND THEY WONT WORK WITH ME
Consumer complaint received 2022-09-02
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. (NY)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$550.00}.
Consumer complaint received 2022-09-02
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. (AL)

This is my final attempt before taking Experian to federal court. They did not conduct a proper investigation. Experian is knowingly reporting inaccurate information on my credit report and in violation of the FCRA. I have sent a copy of my inaccurate credit report. I also have a recorded audio call from Experian fraud department, XXXX, stating my credit report is inaccurate and agreeing that FCRA laws are being violated. Please delete these accounts or I will begin the process of getting an attorney. You violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 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  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation. 

( Please see attachments )
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX