davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TN)

On XX/XX/2021, I entered into a consumer transaction with TITLEMAX. On XXXX, I sent a cease and desist notice, TITLEMAX has failed to acknowledge. On XX/XX/2021, TITLEMAX STOLE MY VEHICLE. TITLEMAX HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see TITLEMAX has violated several laws. 
Please see attach letter for violations. 

TITLEMAX has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. TITLEMAX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (VA)

NAVY FEDERAL XXXX  NOBODY RESPONDED TO MY PREVIOUS CFPB COMPLAINT OR MY XXXX COMPLAINT TO EXPLAIN WHY THEY SUDDENLY MADE MY XXXX  CREDIT CARD IMPOSSIBLE TO USE FOR MY MONTHLY CELL PHONE BILL DESPITE THE FACT THAT I'D BEEN USING IT FOR XXXX YEARS WITH NO PROBLEM, I PAY MY BILL ON TIME AND IN FULL EVERY MONTH AND I'M NO WHERE NEAR MY CREDIT LIMIT!!!! THIS IS COMPLETELY UNACCEPTABLE AND I'M STILL WAITING TO BE CONTACTED BY SOMEONE WITH A NAME TO APOLOGIZE AND PROVIDE AN EXPLANATION FOR WHY NAVY FEDERAL FINDS IT NECESSARY TO REPEATEDLY FIND NEW WAYS TO XXXX ME OVER EVEN WHEN I'VE DONE NOTHING WRONG!!!!! IF NO ONE WITH AN ACTUAL NAME WILL CONTACT ME AND RESOLVE MY COMPLAINT AS I'VE REPEATEDLY REQUESTED, I WILL TAKE LEGAL ACTION IMMEDIATELY!!!! NAVY FEDERAL HAS ABSOLUTELY NO RIGHT TO DENY ME THE USE OF MY CREDIT CARD FOR A VALID TRANSACTION WITH NO EXPLANATION WHEN I'VE DONE ABSOLUTELY NOTHING WRONG!!!! THIS REQUEST SHOULD NOT REQUIRE NAVE FEDERAL TO TAKE MORE THAN THE 15 DAYS TO SATISFACTORILY RESPOND SINCE THEY'VE ALREADY HAD OVER A MONTH!!!! NAVY FEDERAL SUCKS!!!! CUSTOMER SERVICE SUCKS!!!!
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID TRANSUNION, XXXX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX  XXXX - {$0.00} TXXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$9900.00} XXXX XXXX XXXX - {$0.00}
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, XXXX activity and XXXX. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident 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 from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX  XXXX  ACCT : XXXX AMT : {$750.00} XXXX ACCT : XXXX AMT : {$660.00} XXXX XXXX  XXXX ACCT : XXXX AMT : {$860.00} XXXX XXXX XXXX XXXX XXXX   XXXX AMT : {$3900.00} JXXXX XXXX XXXX   ACCT : XXXX XXXX : {$5900.00} XXXX XXXX   XXXX ACCT : XXXX AMT : {$2700.00} XXXX XXXX XXXX ACCT : XXXX AMT :  {$5000.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX   XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019XX/XX/2019
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

I don't exactly remember the exact details, but a XXXX XXXX XXXX kept charging my account, and because of the several attempts made I owed closed to a {$1000.00} in fees. That, of course, was after I had made an agreement to make payments to the Company. I believe the Company was either XXXX XXXX, or XXXX XXXX. I don't remember.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Transunion has bought my information without my permissible purpose and has access to all my information. Transunion, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2019-11-23
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. (AR)

Hello, The following account ( s ) were never late. Please update or remove from my account. Thank you. 
XXXX Account # XXXX XXXX Account # XXXX The following account is not mine. Please update or remove from my account. Thank you. 
U.S. BANKRUPTCY COURT Reference Number XXXX The following account was never in Bankruptcy. Please update or remove from my account. Thank you. 
XXXX XXXX Account # XXXX The following Inquiries were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XX/XX/2019
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

XX/XX/XXXX my XXXX Credit card was debited {$960.00} in connection with an international money transfer using XXXX XXXX. A few days later I cancelled the transfer and Pay Pal was supposed to reimburse my credit card account, that did not occur. I made an inquiry with Pay Pal and they told me the reimbursement was completed, ( it was not ). On XX/XX/XXXX I made another inquiry and I was asked to send a copy of my credit card statement, which I did. XX/XX/XXXX I was issued a case # XXXX XXXX XXXX but nothing has happened since then. I sent a follow up email 2 weeks ago but no response from the company.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/year> at XXXX I went to Chase Bank XXXX XXXX XXXX Minnesota I asked the teller she was a XXXX XXXX XXXX XXXX. If I could put a deposit into this account XXXXXXXX XXXX XXXX Account XXXX Chase Bank : Chase Bank XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX This is not my acct it is the account That I put {$110000.00} dollars in since he had told me that he had found us a home we had to but it under name so his ex-wife wouldn't now I was moving there I really believe in this guy like 125 % believed in him if you heard all things he told me you would of believed in him too I know now I was a big XXXX to believe in him and I will never believe anyone on the net again I really need my money back so I can take him to the cleaners please help me!!
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

-i never have a middle name, but on Transunion credit report it showing i have a middle name. i would like to remove that. 

XXXXthat 's Hard Inquiry on my Transunion credit report XX/XX/2021, i contacted XXXX, but they told me my information wasn't in their system, but Transunion wouldn't able to remove that Hard inquiry from my credit report.
Consumer complaint received 2019-10-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (UT)

Experian received a dispute by certified mail with return receipt XXXX sent me correspondence that they are not honoring my dispute which is against the law.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, 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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

TD Bank 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are three late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.
Consumer complaint received 2019-11-27
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. (CO)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$2400.00} on the XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) When my lease ended I cleaned the apartment and left it in immaculate condition, returned the key to the main office and vacated the premises. The apartment complex alleges they had to have someone come into the apartment and clean it, and in addition they have also charged me for not returning the key which is completely false because I did return the key. The apartment complex also kept my security deposit. Not only was I charged for cleaning of the apartment I was also charged for not returning the key. I never received an itemization or bill regarding the cleaning services nor was I ever given any written documentation as to why they kept all of my security deposit. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-11
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. (TX)

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 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the Transunion about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.
Consumer complaint received 2021-12-21
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. (MI)

I submitted several disputes with XXXX, Experian, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.
Consumer complaint received 2021-12-21
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. (OH)

I sent out a letter that Equifax received on XX/XX/2021. today is XX/XX/2021 and i have not receive any information regarding the dispute/investigation letter.
Consumer complaint received 2021-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have recently pulled my TRANSUNION consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Transunion is in violation of the Fair Credit Reporting Act ( FCRA ), reporting and furnishing this false information. This violation results in {$1000.00} each account that is reporting on my Transunion account that is not reporting on my XXXX account which includes. Account Name/Account Number : XXXX XXXX  XXXX XXXX XXXX Account Name/Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX / Account Name/Account Number : XXXX XXXX XXXX XXXX / XXXX Account Name/Account Number XXXX XXXX XXXX  / XXXX Account Name/Account Number : XXXX XXXX XXXX XXXX XXXX. Pursuant to the ( FCRA ) 15 U.S. Code 1681n.
Consumer complaint received 2021-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations
Consumer complaint received 2021-12-21
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: PNC Bank N.A. (ME)

This incident occurred as of this morning on XX/XX/2021. This morning I place a reservation at XXXX I provided my bank card number from my PNC card account. 
I later found out that I could not use the reservation so I had to cancel the reservation. I was not able to cancel this reservation with XXXX because there was no type of contact information in order to cancel the reservation. 
I called PNC bank to dispute and cancel the transaction, I only got a hold of a XXXX that stated that no one was available and I would be called back within 20 mins. However I have never received a call. 
I then tried to find a different number to contact PNC which was XXXX and located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX spoke to XXXX XXXX XXXX who stated that she or no other XXXX  could file a dispute on behalf of any PNC bank customer at any PNC branch in this or any other part of the country.