davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This has to be the worst XXXX dealership of all of California. I went to this dealership just to figure out my options to return my lease which was coming to an end in a few months. I wanted to finance my car so I wouldn't have to return the lease to not pay the extra milage I went over that I was told when I first leased my car back in 2017. I had a spokesperson name XXXX XXXX who barely spoke any English. At the time there was no other spokesperson so XXXX helped me with his Bosses help the named XXXX XXXX. XXXX told me that it would be better to turn in my car lease that same day early and get another car with so I wouldn't have to pay for the extra milage and get a lower car note a month. XXXX finished me off and got me into a XXXX XXXX after turning in my XXXX XXXX. Worst mistake I made in my entire life. I realize that I seen an additional {$12000.00} on my credit report a few months later on top of my new financed loan. I went to the dealership to discuss getting that additional {$12000.00} off my credit and they explained to me that it was due to the milage from the lease I return. I wanted to talk to Edi that day and waited 1 hour and 30 minutes. But it turned out he explained to two sales people the story and told them what to tell me. I was highly upset because since he sold me the car I wanted to hear it from him which was highly unprofessional on his part. I called XXXX to discuss and all I got was them giving me attitude over the phone and told me I would have to go to the dealership to discuss the matter and get it resolve. Went to the dealership a second time and they still gave me the run around on how I still have to pay that {$12000.00} in mileage. It's been almost 12 months and I still haven't had this issue resolved with XXXX and it's affecting my credit score. I wouldn't have turn in my lease early to have to pay {$12000.00} on mileage. I would have kept my car and financed it after my lease was up as XXXX wasn't getting the car back to put it up back for sale.
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: LEXISNEXIS (OH)

I have requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
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: Experian Information Solutions Inc. (OH)

I have requested they remove a bankruptcy if they can't verify. I have sent many letter requesting validation of this item. XX/XX/XXXX next XX/XX/XXXX again XX/XX/XXXX. There was also some letters sent XXXX also. Everytime they never send me info requested for validation, ALSO i have asked experian to remove this item if not verify. I know that experian has to verify with the original furnisher of the document. They are not allow to verify with a third party. This is stated in the FCRA.
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. (FL)

I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

My Experiance with Amerisave, I was told on many occasions that I was approved and we were waiting on the Appraisal, When the appraisal came and a week went by, I was told I would need to tear down my 2 car garage. Once that was resolved and they ok the separate 2 car garage, they started to request my updated paycheck stubs which I provided, The email came out on the afternoon of Friday XX/XX/XXXX and I submitted them on that Friday. On Saturday afternoon they wanted XX/XX/2019 last paycheck statement. None of these items changed anything with my financial information and they already had several years tax returns and previous pay check statements. I submitted the XX/XX/2019 last payment stub within hours of receiving the email. On Monday at XXXX XXXX I received an email stating incompleteness or we are unable to approve you for a loan program. I had in several conversations with the loan officer indicated that I felt they were looking for a reasons to denied me, including requiring me to tear down my garage. There was never any inspection done to my home, but there was an appraiser that came out. I still have not received a copy of the appraisal which I was told can be downloaded thru my porthole with them. Also now I am being told I can get a PDF copy of my Denial on line and when I go there all it says that the file was closed. No copy of any thing, I have not heard from my loan office after several attempts to reach him, it now goes staight into voice mail.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my first 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 an alleged fraud or extortion. 
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Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( TransUnion and XXXX ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

The credit report agency continues to illegally show ch XXXX filings that were simply filings only & dismissed. 

I am disturbed that the company continues to list the dismissed ch XXXX on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings! 

The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I reached out to Portfolio Recovery Association, LLC. 
XXXX XXXX XXXX. 
XXXX, VA XXXX Re : XXXXXXXX XXXX {$480.00}, {$710.00}, {$490.00} I sent a letter to this company and all three credit bureaus disputing the debt in XXXX. Portfolio Services responded with only one bill showing incorrect name and incorrect address. One the credit report it is showing incorrect address, incorrect name, an incorrect date of last activity on all three bureaus are different. When asking for the credit bureaus to revalidate the debt to verify what company was reporting the incorrect information Portfolio Recovery Association, LLC. however, I have never signed a contract with this company. They can not verify the debt belongs to me. They can not verify a contract. This company could not show proof of the debt. This company violates the Fair Credit Reporting agency. They did not verify their proof of trying to contact me to validate the date, they did not report telephone calls for collecting the data, they did not validate they are approved by XXXX XXXX law to provide collection services in XXXX. Furthermore, the date of the debt showing on my credit report dates back to XXXX as date of last activity on my credit report. However, on XXXX, the date of the last activity shows XXXX and finally XXXX. 

The Federal law of Consumer Fair Credit Reporting states " all Credit Bureaus must report accurate information. Collection Agency in the State of XXXX has to show proof they can collect in the state of XXXX. Prior to placing any debt on your credit report, they must show due diligence proof that they made attempts to collect, verify and notify the debtor of the actual debt. I have never heard from this collection agency. When trying to get them to validate that this debt in fact belongs to me they did not send any contractual proof where I authorized their company or any other company to have access to my personal information. 

I also placed a security freeze on XXXX XXXX, XXXX, XXXX XXXX, and XXXX as well as requesting all companies send me an accurate and up to date credit report so I can dispute inaccurate information. I have not received any information from XXXX. All other agencies have verifiable credit freezes. I am in preparation to take these companies to State Court and Federal Court if necessary to ensure as an XXXX American Female my rights are enforced and upheld by the courts.
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: EQUIFAX, INC. (MS)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

At XXXX ET on XX/XX/2021, I became a victim of fraud. I first received a text alert from Chase that alerted me that someone had transferred {$1800.00} from my checking account. The return phone number was only two digits different that the legitimate Chase phone number. As Chase sends alerts via text, I immediately responded. From there the person identified themselves with information that only a Chase employee would know such as disclaimers for phone monitoring, name and even XXXX. The person subsequently walked me through a step by step process and explained was how to stop the XXXX transfer that was hacked. NEVER did I think I was transferring funds ; I was lead to believe that I was reversing a charge. I was also led to believe by the legitimate Chase claims department that these claims were closed with satisfaction within a weeks time. This caller used Chase scripting. 

I transferred funds to my name and my phone number - not a stranger 's contact information. 

Unfortunately, the entire alert and subsequent process was a well-designed scam using internal Chase knowledge to dupe me. I am being told by Chase that I am not eligible for the recourse/refund as I aided the felon to transfer the funds. This is simply not right. The CFPB placed new regulations ( Regulation E ) with the onus on the banks to help customer just like me who were using a bank sponsored and promoted product that is susceptible to scams. XXXX is housed on the Chase website as the primary payment processor yet it does not have Chase protection? How can that be? Chase is saying this is a loophole in the CFPB regulation that they are going to leverage and if they helped me they would have to help everyone. Additionally, they are saying that I agreed to the XXXX disclaimers that I wouldn't send funds to someone I did not know. I DID NOT SEND MONEY TO SOMEONE I DIDN'T KNOW. I SENT MONEY TO MYSELF and somehow it was directed to someone else. All Chase is doing is trying to get out of responsibility to the consumer and CFPB regulation. 

My case number with Chase is : XXXX.
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northstar Location Services, LLC (TX)

On XX/XX/2019 I was notified from my employer of someone trying to reach me from northstar locations. This happened last year as well and I submitted a complaint last XXXX to not contact my employer as I can not take any personal or any calls period as that is not apart of my job to take calls.
Consumer complaint received 2018-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I received an alert on my credit monitoring site indicating there was some company named IC Systems reporting on my credit file. I disputed it but was only told that it was verified. I never opened an account with IC Systems nor does the amount for $ 800+ even sound like an account I opened. This account is not mine.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Debt USA, LLC (TX)

I was contacted a couple months ago by XXXX at Student Debt USA. She wanted to take over my student loan debt and provide a way for my loan to be forgiven after so many years of paying on the debt, All I had to do is pay Student Debt USA {$1000.00} in ten monthly payments, then several years at {$35.00} per month for the period of time required to have the loan forgiven. Like a fool I agreed to accept Student Debt 's assistance. I have since paid them {$200.00} total.

I called my student loan holder, XXXX ( XXXX XXXX XXXX XXXX ) when I didn't receive any paperwork from Student Debt USA and was told that they ( SDU ) were taking money for a free service that I had been enrolled in through XXXX for years. 

I was advised to make a complaint against Student Debt USA with several government agencies which included this bureau.
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. (FL)

I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I filed a credit card dispute claim with USAA on XX/XX/XXXX for {$790.00}. The merchant in this case was a mechanic called XXXX XXXX XXXX XXXX XXXX. They had my car a total of 4 times for an issue with my coolant system. The 4th time they determined it was a bad water pump and needed to replace it. I paid {$790.00} for the work and after getting my car back it broke down the very next day. They did not correctly reconnect the fill hose that sends the coolant to the engine, which caused my car to overheat and I broke down. I called the merchant ( XXXX XXXX XXXX ) that morning 3 times, 2 times the next day, a few times a couple days later, left several voicemails, with no answer. I only got a call over a week later stating I could bring the car back and they would fix their mistake. By that time 1. ) it was already too late and 2. ) no one in their right mind would bring a vehicle back to a mechanic for a 5th time for the same issue. So basically, I took my car somewhere else because I no longer trusted XXXX XXXX XXXX and they were not picking up my calls. My new mechanic informed me of XXXX XXXX XXXX 's negligence and incompetence. USAA denied my credit card dispute case because they took XXXX XXXX XXXX 's original statement at face value. XXXX XXXX XXXX ( the service managers name is XXXX XXXX XXXX stated that I only brought my car their twice, that the fill hose not being reconnected properly was not because of them and that they never heard from me again. All of these things were a lie and I provided USAA with a 3 page letter and 19 pages of supporting documentation including call records, tow records, text messages and pictures of my vehicle to disprove XXXX XXXX and XXXX XXXX XXXX XXXX lie. My credit card dispute was rejected because USAA said " the merchant offered to fix their mistake ''. I said that is ridiculous because at what point does their work not constitute neglect? And if they don't call me back for over a week am I supposed to sit at home, not go to work and wait for them to fix my car? USAA did not have a good answer. The final time I called USAA they told me they were going to have someone call me back to rectify this. I waited for that call and it never came. I am requesting that the Consumer Financial Protection Bureau get me my refund of {$790.00}. You can call me at XXXX if you want more detailed information regarding this case. USAA has not only been negligent in defending me in this case but I believe their actions to be criminal. Thank you.