davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (MI)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX XXXX Account : XXXX
Consumer complaint received 2015-10-20
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NC)

I have a rush card and I lost my card and reordered a replacement card on XXXX/XXXX/15. I paid for the 2 day service for XXXX and was told my card would be here by XXXX/XXXX/15. When it did n't show up I tried to contact their customer service department and it took a day in a half to get thru to them. I spoke to a rep who guaranteed me I would receive it via overnight express thru XXXX and would receive by Friday XXXX/XXXX/15. Also I was told to call in the morning and get my tracking number and the fees would be waived. I called the entire next day and didnt get the until the evening and a diifernt rep told me that they do n't have an overnight service I would have to wait one to two more business days ( monXX/XX/2015 to receive my card and not only was the fee not waived I was charged twice for the service. Needless to da its kinda I received no card, cant get thru and now I have no way to feed my family which includes a XXXX year old and I 've had to miss work because of this. This is an unbelievable with no resolution in sight. The company is Rushcard services and there are literally thousands of us affected by this please do something. My name is XXXX XXXX
Consumer complaint received 2019-11-26
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)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2016-01-03
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (SC)

Since XXXX XXXX I have been on phone with rush card. They told me they needed a merchant release form, then they told me it would take 1-3 hours. Then they told me 24-48 hours, then they told me 7 days now 10 days. Today is the XXXX day. XXXX XXXX and they have not released a pending transaction. This was money deducted from my available balance. My own money. XXXX on a pending transaction. I have been a customer with them since 2008, my direct deposit is linked to this card and now they will not talk to me.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was looking at my report and noticed there were some things that was not correct. I sent a letter to Experian on XX/XX/year>. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Instead of responding back with the results. They sent a stall letter stating that I am working with a credit repair company in which I'm not. I did use a software to help with the letters. There is no law stating that I can not use a software or seek professional help if I choose too. I also submitted a copy of my drivers license, proof of residence and my social security card to verify my identity.

Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My compaint is on Equifax. I have been trying to fix my credit report with this entitity for over seven years. The had a data breach in 2017, and all our personal, and business account where compromised. Yet I have been trying to be compensated for all my I.D theft. They report old, false, someone else 's bills they accumulated from stealing my I.D I have FTC reports, CFPB reprots, I have certified, emailed, spoke with 1,000,000 people in this seven year span of destroying my life. I can't get a job, an apartment, credit cards high interest. My life is unlivable. being uneployed and broke. Everytime I erase something off that I did not do They act like the going to raise ith then they drop it. How they should be putting all americans credit at XXXX after the allowed hackers to steal OUR lives. I need for this entitiy to put my credit score to XXXX immediatly, if not Next course of action is Civil lawsuit. I need to here from this entity immediatly. They have no score when you look my credit score up. I had to do all the work to dispure all this ID theft nad inaccurate reporting. I'm mentally and physically drained out trying to fight All three credit burueas for their mistakes. This is illegal
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-02-08
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( 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 a account without my written instructions
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

After review my credit accounts it has come to my attention that my rights under the FCRA of 100 % accuracy of information reported on my consumer reports are being VIOLATED. There are NUMEROUS inaccuracies and inconsistencies across the credit bureaus that make a FAIR representation of my credit worthiness impossible. These are the issues I have : 1 ) The Date Opened are inconsistent and/or inaccurate across the bureaus 2 ) The Balances are inconsistent and/or inaccurate across the bureaus. My understanding is that a charge-off account SHOULD NOT report a balance. It SHOULD be {$0.00}.

3 ) The High Credit is inconsistent and/or inaccurate across the bureaus 4 ) The Past Due is inconsistent and/or inaccurate across the bureaus 5 ) The Last Reported is inconsistent and/or inaccurate across the bureaus 6 ) The Date Last Active is inconsistent and/or inaccurate across the bureaus These NUMEROUS inaccuracies make a FAIR consideration of my credit worthiness next to impossible. I am unable to obtain new credit in order to purchase a new home for my family.
Consumer complaint received 2023-02-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (AZ)

Well, disclosing on this product of our new townhome, XXXX did not disclose several things, including the red painting of the curbs, the monument directory, and also the maintenance of the canal in front of my townhome that could potentially collapse. The canal was temporary fix, but there is going to be a problem in the future, as the quality of work is very poor to keep the canal from collapse. Also, the quality of the townhome was very poor as well. The limited fixes of my townhome should have been extended to at least three years, because finding things that the builder should have fixed before I moved in this includes the carpeting, the outside, stucco, the tile that I had to fight for months for them to fix, the poor installation of the master bedroom, toilet that exposed my husband, and I to mold for months since we moved in, it was leaking, fecal matter and mold, and also little odds and ends with in the house.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

This morning, XX/XX/2023, Charles Schwab closed my XXXX brand-new brokerage accounts with them, " due to a business decision '', and denied my investor checking account, referring me to the " negative information '' on my XXXX for XXXX basis of their decision. I've pulled my XXXX report this morning, and it is clean, not a single negative mark on there. I have opened many accounts- primarily CDs, since CD rates have been on the rise - lately, so several banks and CUs  have inquired into my XXXX file, and opened accounts for me with no problems, resulting in multiple recent inquiries ( as many as XXXX in the last 2 months ) on my XXXX report. When I asked a XXXX XXXX representative if that was the reason, they've checked and advised it was not, but declined discussing any further information about reasons for their sudden and unexplained decision.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX account # XXXX I paid XXXX for XXXX month of service when they came to do the install. I received poor service and cancelled it within that XXXX month. I had no contract for extended services and I returned their equipment in good working order. They have attempted to bill me for an additional month for which no services were provided. This needs to be removed from my report immediately.
Consumer complaint received 2023-09-05
Product: Credit 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 (UT)

On XX/XX/XXXX, I took my car to the merchant for a routine oil change. Unfortunately, after the service, a misfire occurred, leading the merchant to admit that they might have accidentally removed the sparkplug. They requested me to bring the car back to their shop for repairs. 
Upon returning my vehicle, the merchant informed me that fixing the misfire would cost approximately {$250.00} to {$300.00}, which I agreed to pay. Furthermore, they assured me that the car would be returned within 14 days. 
However, the merchant XXXX XXXX XXXX XXXX XXXX communication became increasingly sporadic, with long periods of no response to my inquiries about the status of my vehicle. I made numerous attempts to cancel the service but received no response. It was only after XXXX months, in XXXX of XXXX, that I finally received a call from the merchant. 
During the call, the merchant insisted that I pay {$470.00} to retrieve my vehicle. I provided my credit card information over the phone, trusting their assessment of the charges. 
Shockingly, a few days later, I discovered that they had charged my credit card for a staggering {$4700.00}, instead of the agreed-upon {$470.00}. 
To compound matters, upon receiving my car, I noticed that the engine lid was missing, the car seat was damaged, and, to my dismay, the check engine light illuminated the very next day, rendering the vehicle undrivable. Despite immediately contacting the merchant, their response was dismissive, offering only to purchase an engine lid while demanding an additional {$9000.00} to fix the engine, which is an exorbitant and unjustifiable amount. 
Given the circumstances outlined above, I kindly request your assistance in resolving this dispute with the merchant. The unauthorized charges of {$4700.00} must be reversed, and I should not be held liable for any costs associated with repairing the damage caused by the merchant. 


The biggest issue I had is that American Express has not been investigating this charge. They constantly send me the same response ending the dispute in the merchant 's favor without answering to the evidence. For example, the dispute was opened because " The vehicle is still damaged '' but Amex responded by saying. " There was no records of cancellation '' which is not even what the dispute was started for. In addition, I was asked to provide information and I did, but the dispute was closed because " they did not receive the documents. '' The dispute number is : XXXX
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have only lived on the mainland for XXXX years. I co-signed on a loan for a friend for a car loan and she later had health problems and was unable to make any payments, she left the united states so the car became my issue. I was not familiar with this process, the sales man was very nice but did not explain things well. I signed a paper giving authorization for electronic signatures. As he rushed through the documents, everything seemed ok and not a big deal. Just click here to agree ..... It was only after I became responsible for the payments I learned what I had actually agreed to do. I felt the salesman rushed over this, I did not understand the process. I am upset at the extra fees that were charged for the extended warranty and GAP insurance, these were not fully explained ; the salesman was more interested in selling a car than making sure I understood how serious an auto loan is and the full responsibility I was agreeing to as a co-signer. I can not make the payments it is simple. The original value of the car was {$10000.00}, {$9900.00} after a down payment but with the interest rate of 22.99 %, the loan was $ XXXX {$12000.00} in interest charges! The balance today is {$13000.00} after XXXX years of payments, the car is only worth XXXX or XXXX XXXX dollars. I called XXXX XXXX, they would not do anything and refused to discuss any options telling me only that I could try to refinance. They would not consider lowering the interest rate, lowering the payments or removing the extra fees. I can see online a complaint was filed against credit acceptance for exactly the problems I experienced. I felt pressured into products I did not need and for sure did not understand, I am unable to make payments and can not refinance. I feel trapped into this loan and there is nothing I can do. I am not sure I can ever pay this off and if I do, the car will be old and I may have nothing at the end of it all. I did try to refinance the loan but was told I need a co-signer but I was surprised the interest rate would have been much lower. How can that be? Trying to refinance made me feel taken advantage of on the original interest rate.
Consumer complaint received 2024-02-19
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)

I am unaware of this account by the name XXXX XXXXXXXX XXXX XXXX of XXXX. Please validate this information with the creditors and provide me with any documentation associated with these accounts. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful records of your actions.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being the United States Bankruptcy Court Southern District of Mississippi which is false. I have attached a letter from the United States Bankruptcy Court Southern District of Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any other credit reporting agencies. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and yet to remove this from my credit report.
Consumer complaint received 2023-07-28
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.