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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023 I purchased a item for {$130.00} but then I call canceled the purchased but since the purchase still remains on my store card I contacted them to have it remove they stated no I also offer send them email with the refund and they stated no
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2020-03-10
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. (FL)

I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFO
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (OH)

I entered into a consumer credit transaction with Westlake financial services XX/XX/2021. I extended my credit and authorized a the a promissary note with my name and signature which secured my payment in full through the finance charge. XXXX XXXX XXXX then gave me a repurchase agreement contract and never disclosed they had a security XXXX in my property which is a violation per 15 usc 1692j false and deceptive forms. They then sold my my own loan back to me and charged me XXXX. not only that they are taking cash with credit transactions. I paid a down payment of {$6000.00} and monthly payments of {$320.00} which is a vialtion of my consumer rights per XXXX XXXX code XXXX ( b ). The finance charge is the sum of all charges and It does not include any charge of a type payable in a comparable cash transaction. The cost of consumer credit as a dollar amount per XXXX Finance charge. They never fully disclosed the information to me. Also according to the Ohio attorney general they where supposed to give me my title at the time of sale or within XXXX days of the purchase. Ohio Revised Code ( ORC ) Section 4505.181 and ORC 1345.52. i was never informed I had the right to rescind and this is a violation per 15 is code 1635.. I also sent the a letter of recission and have not got a response back from them.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX Experian received and signed for my certified information which included a copy of my GA state DLs showing my DOB. For the past 4 months Ive been declined for products and services with the reason unverifiable this is due to Experian only having my year of birth ( XXXX ) showing on my consumer report. This has caused not only embarrassment but monetary losses as well with financial institutions not located in my area. Flight fees to have to go verify my identity. It is against the law to provide incorrect and/or incomplete information on my consumer report.
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NE)

I had initiated money transfer from my XXXX XXXX account to my XXXX NRE account on XX/XX/XXXX and I used Western Union Money Transfer for this transaction. After I completed the transaction, I received email from Western Union which confirmed that the money will be available on XX/XX/XXXX in my XXXX bank account. When it was not credited on XX/XX/XXXX, I contacted the customer care on Western Union and they said that the transfer was completed from their end and I should check with XXXX XXXX  in XXXX. On contacting XXXX XXXX, they said that they have not received the money and hence not completed the transaction. I again called back western Union and this time they asked me to wait until XX/XX/XXXX as XX/XX/XXXX was weekend in XXXX. Even on XX/XX/XXXX, money did not get credited. On XX/XX/XXXX, they have withdrawn money from my XXXX XXXX account and yet it has not been credited into my XXXX bank  account. I contacted the western Union customer care today ( XX/XX/XXXX ) and they said that they are escalating it with some concerned team and I will get resolution in 14 days. This was an urgent money that I needed in my XXXX bank account to help my dad pay for a loan installment. I can't 14 days and need help here.
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. (FL)

XXXXTHIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please help
Consumer complaint received 2023-01-16
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: AMERICAN HONDA FINANCE CORP (PA)

FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.

( 2 ) Verification of identity and claim Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victim 's request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc. (LA)

i talk to XXXX from Southern Credit Recovery , INC on XX/XX/2020 about the settling the debt and i paid it with a money order and she never reach out to all the bureaus to delete it from my records, it has been delete it from XXXX  but not the rest of them and i have a letter showing i made contact with her
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2021-03-11
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: Bread Financial Holdings, Inc. (OH)

Hello, I need Comenity Capital, XXXX XXXX, XXXX XXXX Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX and XXXX already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.
Consumer complaint received 2024-03-17
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. (DC)

Concerns for the account that was already Initially disputed back in XX/XX/XXXX and then again, XX/XX/XXXX I The 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 ) And Via The privacy act of 1774, my federally protected consumer rights to privecy and confidentiality as be violated under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I am now opting out of any, and all authentication i the consumer may have given the Company written, and unwritten, verbal and nonverbal Via ( 15 USC 1602-1605 protection of public personal information ) The Account Ended in # XXXX is marked on my report as a charge off that is now considered a certificate of indebtedness that is now considered income by the IRS also income can not be reported to ones consumer report. Also Via 15 USC 1681B Permissble purposes indicates that information should be 100 % accurate the account has inaccurate dates, and payments history the law also states it is illegal to report transaction history via USC 1681 A section 2
Consumer complaint received 2021-01-13
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)

Debt XXXX are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Consumer complaint received 2020-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (MO)

My bank ( BMO Harris Bank ) charges {$2.00} per month to U.S. Mail a monthly statement. They do not charge for online statements. 
I have monthly direct deposit of Social Security and Retirement checks. Is it legal for a Bank to charge you for monthly statement by mail?
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (LA)

cavalry spv1.llc XXXX XXXX XXXX  n.y. XXXX has place a collection account on my bureaus on XX/XX/2019 in the amount ofXXXX. they say the orig creditor is XXXX XXXX I have never entered into a contract with XXXX   nor cavalry ending in XXXX I have requested three time a signed contract from cavalry and have not received it
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. (AL)

I am a victim of identity theft, and I made sure these companies were aware of some accounts that I did not open nor give anyone else permission to open. When I opened the dispute, these companies investigated and claim that the information was verified. How is this information verified when I am telling them that I DID NOT authorize it nor was I aware of these accounts being reported on my credit report. I need them removed. I also have filed a police report and with the ftc. I have attached my recently filed police report and my federal trade commission report, and also the accounts that need to be removed from my report.
Consumer complaint received 2023-02-13
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. (MD)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Consumer complaint received 2023-02-13
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. (PA)

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-05
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. (MO)

Attn : This is a new Complaint. 

Subject : Formal Dispute and Correspondence Address for Experian Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attention : Experian Dispute Department Dear Experian Dispute Department, I am writing to formally dispute and address critical inaccuracies in my credit report. This letter serves as an official communication regarding the ongoing issues I am experiencing with my credit information. 

**Personal Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX **Dispute Details : ** I dispute the accuracy of my credit report based on the following grounds : 1. Discrimination in the Dispute Process : Experian 's refusal to allow online dispute filing has extended the resolution process, which I consider a form of discrimination. I request equal access to all dispute resolution methods. 

2. Credit Score Injustices : My credit score, currently in the XXXX, is unduly affected by monthly reporting from XXXX XXXX. I request the immediate removal and blocking of XXXX XXXX from accessing my information and a correction of my credit score to at least XXXX, reflective of my creditworthiness. 

3. Dispute XXXX XXXX XXXX XXXX Account XXXX or ( # XXXX ) : I vehemently dispute the presence of a XXXX  XXXX business card account on my credit report, as I have never authorized nor been associated with such an account. I request an expedited investigation into this matter. 

4. Formal Complaint on Discriminatory Credit Scoring : I submit a formal complaint regarding potential discriminatory and racist influences on my credit score. I request a thorough investigation to rectify any systemic biases impacting my credit score. 

5. Removal of Unauthorized Inquiries : I demand the immediate removal of hard inquiries initiated by XXXX XXXX, an unauthorized creditor. I emphasize the gravity of this issue, as highlighted in my FTC complaint ( # XXXX ). 

**Correspondence Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX I expect Experian to promptly investigate and address these concerns, providing a resolution that upholds my consumer rights and rectifies the inaccuracies in my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-10
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: BMW Financial Services NA, LLC (CA)

I've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The BMW Financial Services fraudulent account ( Acc no : XXXX ) and XXXX XXXX XXXX  ( Acc no : XXXX ) were disputed and deleted in XXXX of 2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.
Consumer complaint received 2020-03-10
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: GRANDVIEW FINANCIAL SERVICES INC. (CA)

I've recently checked my credit report from XXXX  and XXXX and I was shocked to see a previously deleted fraudulent accounts were reinserted back to my credit file. The XXXX XXXX XXXX fraudulent account ( Acc no : XXXX ) and Grandview Financial Services ( Acc no : XXXX ) were disputed and deleted in XX/XX/2020. However, XXXX  and XXXX  reinserted the fraudulent accounts after a month without notifying me.