davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
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. (NY)

Hi my name is XXXX, I have attempted to contact Experian regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Experian has failed to respond to my dispute letter sent on XX/XX/2018 and received by Experian on XX/XX/2018 Experian has failed to respond to my signed, notarized, & copied dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit.

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified or removed within 30 days of receiving in accordance with s. 169e ( 8 ) of the debt collection practices act & the FCRA 30 day deadline. 

I demand that these unverified accounts be removed immediately and promptly to avoid legal action. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to XXXX onXX/XX/XXXX
Consumer complaint received 2018-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I don't know what this debt is for .I tried contacting the particular party but couldn't get an answer, they would never answer the phone. I just want to know what company, what was the charge/debt for. They offered me a settlement but I could never reach any one to find out what was what.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

2018 XXXX and Bank of America are attempting to set a dangerous and unfounded precedent of discrimination aimed at law abiding consumers. Bowing down to pressure from political anti XXXX interests is discrimination against millions of americans based on nothing more than political pandering by anti XXXX groups who wish to harm efforts of law abiding consumers to exercise their Second Amendment rights GUARANTEED in out Bill of Rights. Since when does attempting to manipulate major banks come into play where national policies are concerned in the realm of political law making? These two banks are acting out of bounds for their purposes. Being used by one political group to damage another political group is illegal discrimination period. There is no place in the House or Senate for this type of activity which is heading down a path of precedence that, if not curtailed, has the potential to cause irreparable damage to our nation and allow any political agenda access to banking manipulation for every pet peeve some group may have against another.
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (GA)

I want the items removed, I have called several times and written letters to the credit bureau with no help. Please remove the items below : XXXXXXXX XXXX  XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 
XXXX XXXXXXXX XXXX in the amount of XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX in the amount of XXXX. 
XXXX XXXX XXXX in the amount of XXXX. 

*****All items are showing incorrect info and should be removed from my credit report******
Consumer complaint received 2021-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am XXXX XXXX a natural person. I completed a credit application online with CAPITAL ONE AUTO FINANCE to purchase a vehicle from XXXX XXXX XXXX dealership. I was not granted the credit and received adverse action from CAPITAL ONE AUTO FINANCE. This denial of my credit is a violation of my consumer rights. Pursuant to 12 cfr 1002.7 CAPITAL ONE AUTO FINANCE should not deny me of my own credit which is a prohibited act and wilfully violating Federal Law and my consumer rights. Pursuant to 12 cfr 1002.9 Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. CAPITAL ONE AUTO FINANCE has no authority or jurisdiction to deny me of my own extension of credit. I demand that CAPITAL ONE AUTO FINANCE grant me my credit for the amount applied for. I demand CAPITAL ONE AUTO FINANCE to provide in writing the facts and the source of their results for this decision. If CAPITAL ONE AUTO FINANCE does not respond in 3 days and grant me the credit it is in fact a violation of my rights and discrimination.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion refuses to include updated information on my credit report. 
They refuse to include my XXXXXXXX XXXX card, XXXX XXXX card and XXXX Card. 

I've had these accounts for 3 months and they refuse to report them. 

We are in the process of filling and class action lawsuit against TransUnion.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I spoke to Bank of America Regulatory Representative XXXX on XX/XX/2018 at XXXX XXXX. At that time I was advised that Bank of America would be removing the reported trade lines from the XXXX XXXX XXXX  and XXXX  XXXX I clearly asked how long this process would take and was informed that it would be removed within 48 hours but to wait at least a week. I was also informed that I would be receiving a letter to that effect as well. Pursuant to XXXX confirmation I attempted to open on an account on XX/XX/2018 with a local branch and was allowed a second chance checking account. However, the following day I was contacted by the bank and advised that my account would be closed by XX/XX/2018 due to information that was reported on the XXXX XXXX XXXX. When I asked this banking institution why my account was being closed when it was initially approved, I was told that they perform an additional search beyond 30 days for information reported to the XXXX XXXX XXXX. 
So once again I have received incorrect information and now I have a direct deposit tied up with this banking institution because of this reporting. I simply want this information REMOVED from the XXXX XXXX XXXX as was agreed. I know I am only a small customer but Bank of Americas customer service is ridiculous and needs to be addressed by someone. I dont want to seek legal remedies but this maybe the only route as to let Bank of America stop taking advantage of people. 
PLEASE REMOVE ALL NEGATIVE INFORMATION FROM THE XXXX XXXX XXXX  AND XXXX AS YOU AGREED TO DO!!!
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CA)

On Friday XX/XX/XXXX I needed to wire {$25000.00} from my XXXX  XXXX XXXX account to XXXX. A few of my customers recommended in the past to use the service of a company - TransferWise Inc. so I  checked their website - they promote their fast, reliable service with a good exchange rate. I set up an account with them and wired the funds to their XXXX XXXX account. I received a confirmation email that same day that they received the funds and that it should be delivered to the recipient on Monday XX/XX/XXXX. However on Monday the recipient contacted me that he did not receive the money. I quickly tried to sign in to my TransfeWise account and track the payment, but to my surprise I couldn't - the information there stated - account was deactivated by TransferWise. Nobody informed me about this, I did not receive any email or phone call. So I quickly contacted their customer service at XXXX and also XXXX but the representative just said, that he can see the account was deactivated, but he doesn't have the access as to why and that he can not help me. I asked them for a phone number to a department that can help me and he said, that their Appeals Department doesn't have a phone number only email XXXX and that I should email them and should get a response in about 10 business days???!!! Also he added that he wishes me, ,Good luck '' as to getting my money back. At that point I got really scared and quite helpless. I'm emailing them every day to XXXX and also XXXX to get an information, when they will return the money to the originator 's account since they were not able to transfer them to the recipient in XXXX. They requested unnecessary detailed personal information from me - my bank details, bank statement, over the email! Why do they need it? They received the wire transfer from me, so they are able to return it to the originator 's bank account without this information! They keep repeating in their emails that they don't have access to my deactivated account information, refund should take 2-3 business days ( it's been over a week now ) and they advise me to talk to their appeals team ( they've never contacted me nor replied to my emails ). I did also a little research on them and found online many bad reviews and complaints of people with the same problem as mine- that they deactivated their account and some of them claimed they never received their money back. This is not normal! How can they be in the business - nonexistent customer service, it seems like a fraud. They are holding my money with no information whatsoever. It's been over a week now. This is the information I found on the California Department of Business Oversight website about this company and I also filed a complaint with DBO : License # : XXXX Institution Name : TransferWise Inc.Officer Name : XXXX XXXX XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX Office Key Consumer Links Consumer Alerts Consumer Advisories File a ...
Consumer complaint received 2019-03-26
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. (TX)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX AND XXXX. ( Please see page 22 of the attached credit report. ) These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have written four letters disputing XXXX from Experian, XXXX, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022, XXXX XXXX provided me with a copy of the lease and sale contract. None of the documentation provided shows anything about the current balance owed. 

On XX/XX/2022, I requested an investigation on the repossessed item challenging the amount that was reporting on my credit profile. According my credit profile I owe the amount of {$6000.00} but XXXX XXXX has failed to provide any proof and the investigation was requested over 30 days ago.
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting act the account XXXX XXXX XXXX account # 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 written instructions.
Consumer complaint received 2023-04-10
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. (MS)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (AZ)

I received a call at approximately XXXX MST from XXXX XXXX this is after a call was made earlier in the day at approximately XXXX MST. I advised the company at that time I would not be able to make any kind of arrangements but fully understand collection efforts would continue. My issue is receiving the second call in the same day and the representative XXXX saying she in fact noticed a call was already made without confirming who I was. I feel this is very harassing and hope to take this as far as I need to make sure it doesnt happen again.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (FL)

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 2020-07-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NC)

GM Financial is the Lessor of my XXXX  XXXX XXXX VIN # XXXX and lease account # XXXX. This Lessor does not make PAYOFF information available to the consumer/Lessee. THERE MUST BE SOME KIND OF DISCLOSURE REQUIREMENT SO THE CONSUMER CAN KNOW WHAT THEIR BALANCE AND REMAINING FINANCIAL RESPONSIBILITY IS! 

There is NOTHING AVAILABLE ONLINE GM Financial website ), nor in the phone APP. Also, when you call customer service, an automated attendant instructs you to go online and use chat. When you go online and use chat, the agent tells you to go call the customer service number. Round and round. How can it be allowed to block this information from the consumer?? This is game playing, and I believe information that is unlawfully being hidden from the consumer.
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  in the amount of XXXX
Consumer complaint received 2022-06-15
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. (VA)

In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MS)

Midland Credit Management has not submitted any documentation that according to the FCRA qualifies as debt validation! They are illegally furnishing data to my consumer reports!!!! 
They are in violation of 15 usc 1692g which outlines debt validation and they are also in violation of 15 usc 1681b which outline permissible purpose!!! They also have violated 15 usc 1692f which is considered by the FTC to be debt parking.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-25
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 went to apply for a auto loan and was denied because of my credit. Upon further review and setting up a XXXX XXXX account I noticed several accounts that did not pertain to me and that I have never even had. I believe someone has used my identity to get these cards. They report as XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  and XXXX  XXXX XXXX. There is also a collections for the bureaus which I have no idea what that is. Please help me get this corrected because I need a car for me and my family.Thank you.
Consumer complaint received 2023-04-10
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. (NV)

This is my sixth 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 XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX Balance -.