davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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. (IL)

I've disputed this XXXX account over the past 2 years and nothing has been done to correct the issue. Transunion finally removed the account and then reinsert the account without my knowledge or notification. XXXX is required to provide validation to me and Transunion before an account can be reinstated and XXXX did not. Transunion is supposed to notify me within 5 days according to the FCRA and Transunion failed to do so. Transunion must permanently remove this account and not allow it to be reinstated. The CFPB must report XXXX to the FTC and hold Transunion responsible and pay me for the multiple violations. I can show proof that Transunion has allowed at least XXXX violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and Transunion refusal to pay. I was willing to settle and Transunion refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and Transunion has violated each and every one. Transunion must be held accountable and I'm entitled to payment within 14 days and the removal of this account. XXXX has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. XXXX has continued to reage and report inaccurate information and Transunion is guilty of allowing them to continue to hurt my credit. I'll be able to show because of Transunion allowing XXXX to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. Transunion must pay for the violations it has allowed by XXXX and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.
Consumer complaint received 2021-01-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-03-07
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: Self Financial Inc. (TX)

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX  Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Consumer complaint received 2023-10-10
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: JPMORGAN CHASE & CO. (CA)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Consumer complaint received 2023-03-09
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEM BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ADP Inc. (IN)

I was told that I needed to send I two forms of I D. To verify my account so I can change my email address to change my password to gain access to funds. I first call XX/XX/2023 and since then I've spoken to several operators with no progress at all in the matter. Wisely make it clear that they are not customer friendly. They purposely removed their cards from merchants being able to resolve issues with their employees in a timely manner forcing them through a long process with hopes of them giving up their funds for closure and peace.
Consumer complaint received 2024-01-10
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. (NY)

I was going through my Credit report and saw a few hard inquiries which I dont recognize in total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

On XX/XX/2023, I called Citi to report fraud on my credit card. They had sent me messages about potential charges which I was able to catch before they went through. I mentioned on this date by way of phone as well that although they caught most of the fraud charges HOWEVER XXXX total charges for {XXXX for " XXXX XXXX XXXX XXXXXXXX XXXX  '' ( so XXXX total ) were pending. They said " don't worry about it, it will drop off ''. On XX/XX/XXXX I called to let them know that these charges did NOT drop off but posted. They started a fraud dispute. 

On XX/XX/XXXX, Citi requested I sign XXXX sheets of paper which I sent back by way of email to XXXX on XX/XX/XXXX for the XXXX charges. See attached for the exact XXXX sheets of paper i sent back. ( This likely confused Citi because they stupidly asked for the same EXACT paper to be signed twice with the same exact dispute number which was XXXX, don't you think since it was XXXX transactions I would need to sign XXXX different pieces of paper with different numbers? ). 

On XX/XX/XXXX, I took a screenshot of the dispute portal because it switched to " Thanks for sending us more info '' for XXXX fraud charge, while for the other fraud charge still stated " We need more info ''. See screenshot XXXX! 

Thinking that was weird, that XXXX charge moved to " Thanks for sending us more info '' and the other didn't, I resent the XXXX sheets of paper a XXXX time on XX/XX/XXXX. 

Today XX/XX/XXXX, I noticed that Citi reversed the fraud credit for XXXX fraudulent charges while issuing a credit for the other one. On XX/XX/XXXX I called with an attempt to get this resolved and was transferred at LEAST XXXX  times with no direct success. As of today there is still a reversed XXXX  bill on my XXXX  card ( the other credit for the other charge was successful ).
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX student loans were paid in full ( {$31000.00} ) by another company in XX/XX/XXXX which resulted to a {$0.00} balance. Currently, XXXX XXXX, the account is still showing active on my credit report with the full balance. 

History : I started contacting XXXX In XX/XX/XXXX because the account was still showing open and with the full balance. Every time I contacted XXXX I received conflicting answers -- first they said due to their reporting structure, the balance would take a few months to drop off, then they said because I had XXXX late payments back in XXXX ( 5 years ago )- they wont change the reporting. 

At the end of the day- the reporting is wrong... The account is showing open ( but should be reported as closed since it was paid in full ) and the balance should be reported as XXXX. Is there anything I can do to get this reporting updated?
Consumer complaint received 2018-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC (CA)

On or about XX/XX/18 diversified recovery bureau llc XXXX diversifieldrecoverybureaullc.com contacted my mother in law XXXX XXXX and attempted to get information about me. She informed me that the caller identified hersel as XXXX XXXX. I called them back and informed them that this practice is not acceptable and should not continue.
Consumer complaint received 2023-03-07
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (NY)

I have been a consumer with MoneyLion since 2018 and have taken out credit builder plus loans to build my credit and, have made on-time payments, however ; Money Lion continues to report inaccurate information to the credit bureaus and in addition disables my credit line for no viable reason. This is having an adverse effect on my credit and although I have repeatedly contacted them, they continue to report inaccurate information and suspend my account. I am never provided with an explanation as to why this has happened three times, they simply apologize but are damaging my credit. It seems I can only get a resolution through CFPB because the companies do not listen to consumers although we do business with them.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (CT)

A collection account recently appeared on my credit report for a XXXX bill in the amount of {$1300.00}. This account keeps appearing on my credit report with a new collection company. This information should be immediately BLOCKED and the credit bureaus should not allow this erroneous account to continue appearing on my credit file.
Consumer complaint received 2023-12-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: First National Auto Sales, Inc (OR)

First National Auto Fleet, out of XXXX XXXX, in XX/XX/2021, sold a vehicle to me which was financed through a lender but was impounded less than a week into my having the vehicle because it was stolen. I am a resident of XXXX and XXXX XXXX XXXX pulled me over after driving the vehicle home from XXXX, and impounded my vehicle for me never to see it again. I gave First National Auto fleet {$XXXX} down for this vehicle and immediately made them aware of the issue. The used car dealer refused to resolve the issue even after being told that they would be required to buy the loan back from the bank- as per XXXX XXXX XXXX. This finance company claims to have contacted them through their dealer services department but states there was no response. I have recently requested information related to this dealer 's surety bond, to file a claim and the dealership told me they weren't giving me a " XXXX '' thing and requested that I stop calling. 

As a consumer who diligently provided very personal information, a good amount of down payment and fulfilled every part of the contract from my end should not be left with having a dealership who is participating in commerce in a very underhanded way. I had no idea that I was purchasing a stolen vehicle and the dealership should be held responsible for not returning my down payment, for refusing to assist me in securing another vehicle and for refusing me information about their surety company - and of course, for selling a stolen vehicle. I have pursued this issue for quite some time to no avail and am seeking assistance in recouping the down payment I provided and holding this dealership accountable. This stolen vehicle also reported to my credit for some time - making it very difficult for me to secure another vehicle through financing. Dealers in XXXX should not be allowed to continue business if they are selling stolen vehicles to consumers without their knowledge, only for the consumer to be left with the burden of rectifying a bad sale.
Consumer complaint received 2023-03-07
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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX  XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request its immediate removal from my credit file.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NY)

XX/XX/XXXX I financed a car through Exeter finance company XXXX XXXX XXXX XXXX miles Percentage rate 23.11 % Finance charge amount XXXX Amount financed XXXX Amount of at end of term XXXX The itemized account statement shows 4 months of XXXX going toward the principal Each amount going to principal is different XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At some point they said I pd XXXX NEVER did they alert me via Mail or phone they have charged me 5 months with late fees of XXXX I called to get an explanation of this and they talked in circles I asked for management to call me and yet no call ever received
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX : Ending with XXXX XXXX XXXX : Ending with XXXX
Consumer complaint received 2022-11-11
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-07
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: AMERICAN EXPRESS COMPANY (HI)

Upon further review, and with a history of Over 20 years this is a repeat problem with them. 
Both accounts had cards replaced ( classic and pay over time ) they insisted on changing classic card ( account ending in XXXX ) because of data breaches on their side. On or about the end of XXXX XXXX XXXXXXXX XXXX in XXXX someone stole my card if their counter. I immediately called them. They replaced the card and switched its terms. Additionally I have made multiple monthly payments and first received threats of cancellation, and credit reporting, then they sent new cards, then more threats, then closed the accounts all because American Express replaced my stolen card with a new on on different terms as in pay every cycle. 

My bank actually found this out by the times and amounts the company was withdrawing from my checking account. 
I stopped them from abusing the XXXX in XXXX. There is paperwork meaning statements and multiple checks additionally paid to them even though the account balance in question is a pay over time account. 
Had American Express just looked at both accounts activity they would see this. 
I tried twice calling and asking for return calls and heard nothing I have times dates and names of people I spoke with there. 

However I am considering legal action against them for improper withdrawals and change of term. 

Ive been advised to attempt clarity though you, reserve all my rights and hold American Express liable and accountable. 

Sincerely XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I see multiple accounts on my report that are inaccurate and the credit bureau are violating my rights by not properly verifying and providing documentation of method of verification for my dispute. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) and 15 USC 1681 a2ai of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}