davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 XXXX 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 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-02-24
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. (RI)

Experian is been reporting an inquiry with XXXX XXXX XXXX dated XX/XX/year>. I had not authorized this company to do any credit check or even have any personal business with this company
Consumer complaint received 2021-03-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: JPMORGAN CHASE & CO. (OR)

I am a XXXX XXXX XXXX man with multiple health issues. It was important that I have reliable transportation and this prompted me to purchase a XXXX XXXX XXXX. I wanted to purchase a truck due to the need for XXXX XXXX XXXX where I live. I expressed that my needs were health related to the dealership. They did not have the truck which I desired to purchase and that was equipped for my needs. 

The dealership requested that I put a deposit of {$500.00} down to bring a vehicle from another dealership. I was assured the vehicle was brand new and it would be equipped as I needed. I was not provided a picture of the truck prior to my deposit. 

1. The truck arrived and was equipped with mirrior 's which were different than the ones I expected. I began the signing process on XX/XX/XXXX, but then there seemed to be high pressure sales tactics used against me. I walked away from the dealership before even test driving the vehicle. Several days later the dealership attempted to get me back into dealership. I told them I did not want the truck and they seemed to be pushing me into the purchase. 
2. I returned to the dealership on XX/XX/XXXX and I requested to take the vehicle out for a test drive before I signed for the purchase. I noticed there was 160 + miles on the vehicle at this time. Yet the paperwork was submitted for my signature with 66 miles on it and I did not understand why. I requested that the documentation be changed to reflect the true mileage but I was told " it was late, and what was 100 miles ''. I kind of agreed but now I disagree. 
3. I drove the truck from the dealership home that evening and to our Church where I have served as a XXXX  for 24 years with XXXX salary. I drove home with some members of the Church and the truck began to have white smoke and not shift properly. I pulled over to the side of the road and turned the vehicle off. I was able to get the truck home and I had my son " a man like my son '' take the keys and attempt to drive it to the dealership for repairs. He began to pull out of my driveway and the transmission would not shift and ultimately I had to have the truck towed to the dealership. I bought a brand new truck not to have issues and now within the first 100 miles I have an issue.

4. The service department manager looked into the computer and noticed this vehicle had an issue like this previously ( non disclosed ). Further details of all these events are enclosed my documentation.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX has my credit card debt much higher than what it is. Equifax and XXXX XXXX also has my credit card debt higher than what it should be. These Three companies all have me with late payments to my mortgage company which I am not late or have I ever been late in the last six months.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to TransUnion, XXXX and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (GA)

National recovery agency said I owed a hospital bill for XXXX XXXX hospital back XX/XX/XXXX I told them I have medicare and I always pay my cop pay l dont use they also had my wrong address and zip code for me and told me to call hospital they said to call hospital billing which I did they said that was XX/XX/XXXX and that I came buy ambulance I told billing department no I was admitted on that date but I went to XXXX XXXX XXXX on that date and they had wrong address on file I told them I dont use there hospital cause they have a one star rating they said they take care of it offered me a lower price as I stated to them it was not me the collection agency also had wrong billing information
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Mon, XX/XX/XXXX at XXXX XXXX I had a Venture Capital Card and had accumulated XXXX rewards points on it. My membership fee was due on XX/XX/XXXX but I had not received any invoices or email and had not been using the card because of Covid19. I called today and found out Capital One had quietly cancelled my card and took away my XXXX points that is worth {$700.00}. The worst thing was the representative told me the company was doing me a favor since it paid the membership dues for me ( the dues is for XXXX XXXX to XX/XX/XXXX ) and saved my credit. Except that is just a blatant lie and theft because if my dues was " paid '' by Capital One, then why was my account closed and my XXXX points been taken away? It is a mere conspiracy to steal my points. I demand to have my XXXX points reinstated and I am willing to pay the {$95.00} membership fees to Capital One but Capital One refuse because {$700.00} is worth more than the {$95.00} which Capital One had never paid for me or else my account should be still open and my points would be still mine.
Consumer complaint received 2022-03-22
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-01-16
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. (NJ)

i have challenged the 100 % accurate reporting of this XXXX XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account and only XXXX has deleted the account... ..XXXX  and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX but if you look at the 2 year payment history they are reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amount reporting XXXX  is reporting {$1400.00} and experian is reporting {$0.00} ... both cant be accurate and therefore they are violating my consumer rights
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2018 I put a lock on my credit reports from Experian, XXXX and XXXX XXXX. Late last year I received an email from Experian that my lock had been removed. I did nothing to cause this, and tried to call them to find out what is going on. There is no way you can talk to a live person at Experian. But I did get emails from them regarding my account??? On my XX/XX/XXXX credit card statement there is a charge from Experian for {$19.00} for looking at my credit report, again???. When I called my credit card company, they put the amount in dispute, but also advised me that {$19.00} will be billed each month and I need to contact Experian to have it removed. So far, I haven't been able to talk to anyone at the company to find out what caused this to appear. 

I don't know where to go from here. I've had no problems with XXXX  or XXXX.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX  XX/XX/2019 In accordance with the Fair Credit Reporting act XXXX  Account # 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 2021-03-16
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: CITIBANK, N.A. (PA)

on XX/XX/2021 I over paid my credit card bill in the about of {$2600.00} I borrowed this moeny from another credit card that offered me a XXXX percent interest loan for a year to get ahead of my hi interest credit cards in which citi cards from Cita Bank was XXXX of them ive been trying to get this amount I over paid in the amount of {$2600.00} refunded for over a month now every time I call Im told that within 2 days I will receive the money refunded to my checking account they hjave on file for me however this never has happened for the past 5 weeks I need help in getting my money back from these people at citibank my bills depend on getting tis money refunded please help
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.
Consumer complaint received 2022-05-25
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)

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and bankruptcy from my credit report immediately.
Consumer complaint received 2018-01-20
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: Asset Management Outsourcing, Inc. (FL)

I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2020-03-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (FL)

On XX/XX/XXXX we met with XXXX XXXX ( XXXX ) of XXXX XXXX ( XXXX ) and agreed to purchase hurricane proof replacement windows for our home totalling {$30000.00}. We agreed to this purchase based on the financing offered through GreenSky Program Plan XXXX, where the first 18 payments would be reduced to " interest only '' or {$150.00}. After the initial period the payments would be {$300.00}. On XX/XX/XXXX XXXX called us by XXXX to say our loan was approved. 

After the windows were installed I received the consumer note that showed the full payment amount due for the length of the loan with no reduced payment for the introductory period. I contacted the bank customer service department at XXXX where I was informed my first 18 payments should be {$150.00}, which agreed with what we were initially told. That the paperwork we received was wrong and would be corrected. 

We received our first statement where the payment amount due on XX/XX/XXXX is {$340.00}! I contacted customer service where I spoke with " XXXX '' who informed me the plan XXXX we applied and was approved for ended on XX/XX/XXXX and our loan was approved on XX/XX/XXXX and there was no introductory period where the payment was interest only anymore. Sorry. 

I contacted the finance manager at XXXX XXXX. They were not informed of the change in the program and continued selling it for weeks after GreenSky made the change. They have complained to GreenSky without satisfaction as well. We are not the only consumers damaged by the lack of communication by the bank. 

I am a XXXX XXXX Veteran on a fixed income. We moved forward with this transaction after determining that the initial 18-month period of lower payments gave us time to sell and close on property we still own in Ohio. Now we are faced with financial hardship making higher payments than promised and budgeted for. 

I feel that XXXX XXXX  and myself did our due diligence. Without information from the bank to the contrary, it was reasonable for us to believe the program was still in force and we were reasonable to anticipate the payment program we agreed to.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16
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. (GA)

On XX/XX/2021, I sent a letter to the credit reporting bureau regarding inaccurate and unknown items I discovered on my credit report. As of today, XX/XX/2021 ( 50 days later ), I have yet to receive a response. At this point, I am starting to feel as if my concerns and requests relating to these items are being ignored. As mandated by federal law, failure to investigate disputed items within 30 days results in the immediate removal of those things from my credit report. Since it has been 50 days, they should be deleted promptly. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.