davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
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)

THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX   XXXX,XXXX ,  XXXX
Consumer complaint received 2019-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO (VA)

My checking account with Banco Popular de Puerto Rico was closed due to inactivity for 6 months which I understand. I called XX/XX/19 to reactivate it, they sent me a form called Account Reactivation Request which I filled and sent to them the same day. I have been calling multiple times during the last months and they keep telling me it is in progress and will be reactivated the next day. Today is XX/XX/2019 and I still can't access my account. I left this account open in order to be able to transfer money easily to my family in Puerto Rico in case of an emergency.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

I recently obtained a copy of my credit report on XX/XX/2020 from and the collection agency by the name of Diversified Consultnts reported that I owe {$1400.00}. I have asked on numerous occasions to the collection agency to provide me with something with my bearing signature and I have yet to receive it, the only proof they have provided me is a itemized printout and a billing statement. The itemized printout does not represent verification. Also the name of the statement is not my name.
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase Preferred Credit card XXXXmiles. Product was advertised : make XXXX in purchases and receive XXXX points. I spent more then XXXX. My credit card was immediately closed by the bank for the reason of a rapid increase in a revolving line. That made a statement of spending XXXX a false advertisement!!! 2nd reason was not enough information on a credit report. I have 8 years of excellent credit. So obviously it was used as an excuse. Prior to 8y ago I moved to the US from overseas. I'm U.S citizen and I see both reasons as a complete non-sense
Consumer complaint received 2020-02-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

In XXXX of XXXX, our car that we had financed through Credit Acceptance Corporation was involuntarily repossessed because of a bank error causing our payment to be one day late. They placed the car in a claiming lot that would charge us {$500.00} to get it out, after the payment was made. We could not afford to do that so we let the car go. A few months later we did receive an official letter from CAC stating the car had been auctioned and that we owed {$8700.00}. We contacted the number on the paper. We do not have the paper still and made arrangements to begin paying the debt in the amount of {$100.00} a month. We continued paying through XXXX of XXXX, when we became aware that CAC was not reporting the payments to the credit bureaus. We had never been able to obtain a letter stating how much remained of our debt even though we requested it at each payment over the phone. My husband made several attempts to speak to a CAC representative about our account but no one could provide us with any information. He was finally able to connect with a manager in the collections department who found out our account had been closed at some point without our being notified. When we asked what had been happened to our payments she had to investigate. It took over a week and she informed my husband when he called that the money was sitting technically in this closed account in limbo. The remaining balance of {$7600.00} never fluctuated after our first year of payments began. The money sitting in limbo was never applied. She ( the manager ) told us another account had been opened for us but was being closed due to inactivity. We had never been informed about the account. This manager also told us that we would likely see a check with that money being returned within 6 months. We never received the money. She stated to my husband that she could not send him anything in writing as she was not allowed. The account showed as closed soon after XX/XX/XXXX and we had no activity on it until XX/XX/XXXX, when CAC suddenly posted on our credit report that we had missed a payment that month. We are not disputing that money was owed. We are disputing that the account was suddenly opened to report a late payment in XXXX and that the money we had been paying, which we had never been able to find out how much that was, was never applied to the account or returned to us.
Consumer complaint received 2022-10-14
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. (MI)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX MO XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX WA, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX WA, 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. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX I received a letter from a collector saying I owe {$4600.00} as of XX/XX/XXXX in a paypal credit card that I have never opened, I went online to check the reference and now XX/XX/XXXX over XXXX is owe. 
I called the collector XXXX which return it to paypal to investigate because the phone, email and bank account did not match my paypal account which has a XXXX balance. 
Paypal shot the account down and is investigating. 
Last year around this time we got a notification that a XXXX account was opened in my name, I immediately called the bank, closed the account and then reported to the FTC, I also place a 5 year freeze in my credit and have my XXXX credit locked. 
Since I have been a victim of this before I keep a very close watch in my accounts and monitored my score and get daily notifications, so I don't even know how this happened.
Consumer complaint received 2021-02-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have entered into a repayment agreement with XXXX to satisfy the outstanding balance in 3 monthly payments of {$260.00}. The last payment is due XX/XX/2021. However, the attached information indicates that XXXX has made errors in the balance owed ( {$1100.00} ) and the amount of the payment due ( {$740.00} ). These errors by XXXX are being reported to the credit bureaus are they are harming my credit history. 
I have raised them numerous times to XXXX.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX of 2021 I was charged an annual fee by Bank of America XXXX  XXXX  XXXX  XXXX. I never received a statement in the mail or email, and because I dont use this card I dont have autopay set up. It wasnt until three months later when I went to close the account that I realized Id been late making this payment and now have a delinquency. I tried to dispute the late penalty with the company but they told me to contact the credit bureau
Consumer complaint received 2021-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

My daughter was seen at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's ). At the time she was seen under XXXX insurance with a prior authorization. The initial claim that was submitted was denied due to unbundling and upcoding of the medical claim by the XXXX 's. A resubmission at the lower bundled rate of {$1300.00} was resubmitted to XXXX by XXXX 's but was denied due to outdated primary insurance information. Due to the previous, but no longer relevant insurance, a third-party liability form was never sent to my residence for payment. Allied Collection Services Inc ( ACSI ) contacted me regarding an outstanding balance, but multiple checks of my credit revealed no outstanding balances. When contacted, XXXX at ACSI, provided limited information and demanded payment in full for {$2200.00} ( the higher unbundled rate ). After contacting XXXX this matter was resolved with XXXX paying XXXX 's the negotiated rate for services of {$530.00}. On XX/XX/2021, I received a call from XXXX at ACSI again demanding remittance for the unbundled rate of {$2200.00}. When explained that this has been paid by the insurance company XXXX became hostile, argumentative, and told me that it was impossible for it to be paid by the insurance company. Due to the behavior and attitude, I ask to speak to XXXX 's supervisor who became hostile and informed us that we were lying and that what had happened was impossible as insurance company 's never pay beyond 12 months. I have proof of the payment directly from the secure portal beneficiary login on XXXX but given the inappropriate actions by both ACSI and XXXX 's this merited further complaint.
Consumer complaint received 2022-12-01
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. (CA)

I received your response Last ( XX/XX/XXXX ) that you Close MY COMPLAINT # XXXX and XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$1400.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2021-02-17
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: Experian Information Solutions Inc. (GA)

I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, XXXX, & Experian. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX has removed the incorrect reporting of collection agencies on my credit report ; however, XXXX  and Experian has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to resolve this issue with XXXX XXXX  for a long time and I would like to take legal action because it feels as if they are intentionally messing with me. Here are 2 complaint IDs from your company pertaining to this matter. Currently on my credit report it shows that I was delinquent on a payment XX/XX/22. 
XXXX complaint against XXXX XXXX against XXXX XXXX.
Consumer complaint received 2022-12-01
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-15
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. (VA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I settled this debt over a year ago. I do not understand why I still owe it. At this point I do not remember if I paid a different collection agency or if I paid XXXX XXXX directly, but I definitely paid someone. Once I learned National Credit Adjusters was still collecting a debt, I was confused but wanted this fixed. I tried to resolve this amicably by paying them to remove it, but they refuse. I dont think its fair that I have to pay twice on this account because I have already settled it a year ago. There should not be a balance, and this should not be on my report.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A. 2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle. I have uploaded the contract between me and Santander for the CFPB to take a look at.
Consumer complaint received 2022-10-14
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. (OH)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : REF # XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXXXXXX the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-23
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, : XXXX XXXXXXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-20
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. (NC)

THE DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.