davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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. (RI)

I called TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous request and hoping that the accounts listed below lates will be removed : XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (TX)

Got behind a few payments, and without any heads up card was repossessed with purse, laptop, tools, radar detector, everything inside of it upon finding out who repossessed it we showed up to get our personal items out of it and found that quite a few things were missing the laptop purse, XXXX sunglasses, an radar detector were all stolen along with quite a few tools and the tow truck driver said he didn't even know who picked it up. We contacted Wells Fargo. They told us that it was unable to be reinstated no matter how much we could pay and that since it was repossessed, there was no way to get the car back unless we paid it in full the entire owed amount on the loan plus the repossession fees, and all this other charges and everything and they didn't help us at all with anything about the stolen items in fact, we never got anything from them not from Wells Fargo not the tow truck agency no one helped us and we didn't have a vehicle. I come to find out that there was a class action lawsuit against Wells Fargo, that they lost due to they are unfair practices with car loans and repossession fees. In terms I have not been contacted by Wells Fargo but I am I am sure that I should have been a part of that settlement and I don't think they did their due diligence and trying to contact me, nor wanted to pay me for anything that I didn't fight for first.
Consumer complaint received 2023-06-17
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: I.C. System, Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (NC)

I took out a {$400.00} loan with XXXX d/b/a XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX and am being charged 866.8124 % in interested. I did not know that the interest rate would be so high or I would not have taken the loan out. I did some checking and found that your organization could help me with this. Please let me know if there is anything else you need for my complaint. They have deducted 4 payments of {$140.00} each every 2 weeks for a total of {$560.00} via ACH from my checking account.
Consumer complaint received 2023-02-03
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. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (MD)

I have no idea what the debt is they are trying to collect. I have attempted to contact the collection agency, and the original creditor and have received no response from either. I have requested it be removed from my credit report and am just being ignored on all angles.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Ally has not responded to resolve the discrimination complaint of XX/XX/2017. 
ref # XXXX Based on the response from Ally, XXXX, of XX/XX/2017 It is apparent that further investigation is warranted into the policies and practices of Ally used to determine credit worthiness. 
This XX/XX/2017 response from Ally is ambiguous, appears to be in conflict with itself, and is potentially misleading. Nowhere in this response is there supporting information that one can conclude Ally has not acted within a posture of age discrimination to determine credit worthiness. Simply reiterating a statement that " Ally takes claims of discrimination very seriously '' does nothing to support that Ally has not acted in just such a posture. Indeed, the lack of specificity and clarity begs the question. 

What is the criteria, specifically, which Ally would have approved this TOE? Income? How much? Use of available credit accounts? Be specific. Available cash on hand in a bank account? What exactly are those quantifiable " merits ''? My credit history reflects an unblemished credit score of XXXX and a practice of XXXX balancing credit card statements every month for years. Surely this must have some weight in the formula for credit worthiness. 

Further, please elaborate and explain the portion of the statement referring to the credit inquiry made in XX/XX/2017 that reads, " since we did not use the accurate information upon receipt of your TOE application ''. 

Ally has not and did not request or receive any additional information from myself since the initial mailing of the Ally TOE application of XX/XX/2017. Ally did not have " a permissible purpose '' to access my credit report in XX/XX/2017 in connection with evaluating the Ally TOE application. 

Additionally, the XX/XX/2017 letter to CFPB states that " an 'accurate ' declination letter will be mailed to you under separate cover at the address on the application indicating the reasons for our decision ''. This letter has not been received. Waiting for this letter to show up has caused yet further delay in my responding herein, and with each day of delay from Ally, it costs me more money to pursue the acquisition of a vehicle not to mention the induced frustration. The letter that Ally did XXXX mail to me under separate cover is a copy of the letter sent through the CFPB complaint system. Yet again, one can see how the Ally response letter is fraught with ambiguity. 

For the reasons stated above, I hereby demand that Ally, immediately, remove the unwarranted credit inquiry made in XX/XX/2017 so as not to further delay and constrain my vehicle acquisition initiative and promptly notify me through the CFPB complaint process when this action is taken. 

It is my sincere hope that future communications from Ally do not lead to more granular questioning, costs, and further, damaging time delays. Please include the CFPB in ALL communications. 
Sincerely.
Consumer complaint received 2023-06-27
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. (MD)

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 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IL)

I Received a copy of my credit report and noticed several accounts on my credit file that i never applied for and never used. these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-21
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HIGHLAND FINANCIAL SERVICES (Closed) (VA)

Continuous phone calls from company referred to as HFS trying to contact someone who does not live at this address/phone number. Each time recording directs me to hang up if I am not the person identified by the phone call. I have done that numerous times to no avail. I would like these harassing calls discontinued.
Consumer complaint received 2023-06-27
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX 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 2023-06-27
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. (NC)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-06-16
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Citi Management Group, LLC (CA)

I keep getting harassing phone calls at work and on my cell. They state that a loan was deposited into an account my account in XXXX. The account has been closed since XXXX. Threaten to garnish my wages or have me arrested. They have failed to prove the account has been delinquent or provided any paperwork stating is has been delinquent. 

Company Name : Citi Management Group Telephone Number they keep calling me from XXXX or XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was billed {$29.00} for a service of credit monitoring by a company called TransUnion Credit Monitoring. I have never heard of this company. Their statement showed that they had billed my VISA card. This came in my Email. I called the company XXXX XXXX to cancel the charge. 
Before I could cancel, the woman asked for my XXXXXXXX XXXX which I reluctantly gave her. When I told her I wanted the charge off my VISA account, she asked me for the last 4 numbers. That was when I knew it was a scam. I then asked her where the company was located and how long they have been in business. She did not answer me. I told her I was going to report the company as a scam. When I logged back into my Email there was a notice saying my account was cancelled.
Consumer complaint received 2023-02-03
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. (NJ)

Update personal Information Dear XXXX, I am contacting you again in regards to my credit profile and unfortunately I am still seeing that information on my report is still being listed although one inquires was deleted from my credit report from my last dispute on XXXX XXXX, 2023 it still shows invalid inquiries and a XXXX XXXX account ( XXXX ) that should have been deleted due to inaccurate personal information that was attached to the account. The name attached is XXXX XXXX XXXX. The correct spelling of my name is XXXX XXXX XXXX XXXX XXXX. This is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also is a serious breach of my consumer rights, and U.S.C 1681b ( a ) ( 2 ). Reason why the account is inaccurate is due to the listings of.

Personal information ( Names, address, Employments, and Telephone numbers ) Opening account dates Closing account dates Last reporting dates Above are the listings of inaccurate items attached to the account XXXX XXXX account : ( XXXX ). This company fraudulently started my account while falsely using my identity and furnished my consumer report under no permissible purpose, which is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Recently after filing a dispute for this matter. XXXX followed up with a verification message stating that I paid a settlement. The purpose of doing so was to terminate the debt so that the debt would be relieved. Although this was a fraudulent account I figured paying it off will make it go away instead. Paying it under the agreement that it would be terminated off my report the debt collector lied and listed it as a charge off although this was never an account that I gave my permission to start with. With this letter I am also sending enclosed documents with my state and federal personal information, these documents are proof that my name was used incorrectly for the XXXX XXXX Account : ( XXXX ). For the prior inquiries that was removed on accounts : XXXX XXXX : ( Report Number : XXXX
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accelerated Receivables Management, Inc. (GA)

The company contacted me regarding this debt and have not provided me with additional information, nor verified where I agreed to take on such a debt as this. Which obviously, I have not. 
A XXXX XXXX, I believe, has begun calling the workplace and started a harassment campaign.
Consumer complaint received 2023-06-17
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: BARCLAYS BANK DELAWARE (CA)

During the month of XXXX, XXXX, I used Barclays Bank on-line system to access my Barclays XXXX account to protest one single {$8.00} charge simply because I did not recognize it at all, had no memory of incurring it, and had no recognition of the XXXX charging it. I NEVER once mentioned, on this on-line form, the word " fraud '', and I certainly did NOT ask that my Barclays XXXX be cancelled because I have 5 vendors/merchants authorized to automatically bill this card EVERY month!!! Now I will have to waste at least XXXX hours contacting these XXXX vendors/merchants to give them my new, replacement card when Barclays Bank finally gets around to mailing it to me!!! This is OUTRAGEOUS!!! Federal consumer protection laws and regulations gives credit card holders, such as myself, the right to dispute ANY charge when we simply don't recognize it WITHOUT thereby having our credit card cancelled!!! I unsuccessfully tried to get a Barclays supervisor to realize that!!! 

XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-27
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. (GA)

This is my multiple attempts to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The three credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with them. This account were opened fraudulently. I informed them of the issue & provided them with the required documents to remove this charge off account via FCRA Section 605b. They have failed to remove the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this charge off account to be removed from my report ASAP : XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this account immediately.