davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Let me inform you that I contacted the bank and they agreed to correct the misleading information from my file. But Transunion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. I asked them why they were not accepting the dispute letters and complaints and they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Please correct this account as per FCRA laws : XXXX XXXX BANK XXXX XXXX
Consumer complaint received 2022-10-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item : XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-03-29
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. (FL)

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  : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, 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 an 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 or 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (VA)

On XX/XX/XXXX nine unauthorized purchases was made through my AFFIRM account for {$200.00}. each. I contacted AFFIRM within minutes of being alerted of the purchases about the fraudulent activity. The customer service represented took my information and made a claim for investigation. Meanwhile the loans were pending and on XXXX XXXX each loan they were all approved. I was able to cancel the mattress purchases of {$360.00} made through XXXX for a crib mattress. 

And on XX/XX/XXXX, I received a follow up letter with the incorrect loan number stating that I am responsible for the loan. I have tried contacting AFFIRM both through email and call to clarify the loans and to get more information as to where these purchases were made. Till today I have had no success. My calls aren't being answered nor my email mails are being replied. They have also blocked my ability to access my account through their help center. However, the loans continue to be active. I received another notice from them from them about another purchases on XX/XX/XXXX that they rejected because they could not access my XXXX ID. 

IN between I made a police report and I also alerted each credit bureau and froze my accounts.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a letter saying I have a debt for {$870.00} from a XXXX XXXX account and they will send me to collection. Apparently they have all my personal information, but I dont understand how because I have never open any accounts in any bank. I think someone stole my identity. This account was open XX/XX/2019. So if you check my records you should be able to see that I have never open accounts in any bank. I dont have any idea of how credit card work beca Im no interested in debts with bank so I hope you guys can resolve my issue the best way possible and ASAP
Consumer complaint received 2019-07-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately $ XXXX from me.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NC)

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 : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-12-01
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. (TX)

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} XXXX Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please remove these items from my file. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-03-29
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. (PA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2018-08-29
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: TIDEWATER FINANCE COMPANY, INC. (IN)

here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX6 XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover TransUnion is reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with TransUnion agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Consumer complaint received 2023-03-29
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. (NJ)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-23
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I made a reservation with the XXXX XXXX XXXX XXXX for the nights of XXXX. In the process of making the reservation I went to the site of reservations.com ( XXXX ) due to their misleading listing at XXXX and their the primary position of their listing. I realized it was not the hotel after I had put in the dates and stopped the inquiry. On XXXX I realized We also needed a XXXX  for XX/XX/XXXX and again mistakenly went to XXXX. I put in the night of XX/XX/XXXX and completed the transaction. The next thing was an Email from XXXX saying I had reserved for XXXX and that it was non cancellable. I did not and would not have made a XXXX  for those nights since the XXXX  I had was for {$300.00} less. I also would not have knowingly agreed to a non cancellable XXXX  given XXXX and our ages and in fact due to heath problems we had to cancel the trip. I asked Chase Visa to reverse the {$1300.00} charge in 2 submissions. and supplied them backup. In the second I advised them that as of XX/XX/XXXX no reservation had been made by XXXX at the hotel. This over 2 months after the supposed XXXX  was made and 6 days before our arrival. Chase Visa 's response was to deny and attach XXXX 's Reservation form. They never responded to the allegations I made and I believe they never read them
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

I opened an account two months. The bank has denied service. It first sent checks to an incorrect address. Virtual every time I've tried to use my debit card, it is blocked. I've been stranded without gas or stuck at groceries numerous times. The bank denied doing this, and has said that the card was really just being declined. I submitted a dispute two weeks ago. The bank has refused to process the dispute. The customer service representative refused to provide answers as to why. After contacting a bank branch, the employee demanded my social security number and then refused service. I've sustained severe damages, due to this banks negligence.
Consumer complaint received 2019-07-18
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)

The Experian company deleted from my credit report an account that lacks specific information and is even incomplete and after 15 days put it back without sending prior notification, this is a serious violation of the FCRA since they should have notified no more than 5 days of doing this in writing before proceeding to report the account again. in my credit report. 

Another point is that they automatically opened without my authorization a dispute of the reinsertion without my authorization making it happen as if I had done it.
Consumer complaint received 2022-01-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc. (GA)

On XX/XX/2022, I consumer XXXX XXXX noticed NATIONWIDE RECOVERY SERVICES, a third party debt collector was infringing upon my intellectual property rights. XXXX illegally reported information on my consumer report. This is a direct violation of 15 USC 1681, I, the consumer never entered into a contract with XXXX, nor did I give them my written or express permission to furnish information on my consumer report. On XX/XX/2022, I sent XXXX a cease and desist letter, via certified mail, demanding they stop their wrongdoing and for them to send me an audit trail of this account. XXXX failed to respond to my demand of a debt validation letter pursuant to 15 USC 1692g. They stated I needed to send a written correspondence, and that's not what's written in 15 USC 1692g.
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Pinnacle Credit Services, LLC (NJ)

PINNACLE CREDIT SERVICESXXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( collection for XXXX XXXX XXXX ) Has been reporting a collection balance of $ XXXXThis account is included in a Chapter XXXX Bankruptcy and has been discharged. 
Pinnacle Credit continues to report the account as UNPAID
Consumer complaint received 2018-05-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

Cc : Attorney General in Texas To Whom It May Concern : I am requesting proof of the accounting and documentation required under Texas XXXX XXXX XXXX and XXXX statutes. I have been unable to have an account because of a supposed deficiency from a repossession that you reported on my credit report on XX/XX/2018, Account number # XXXX. I am asking you toremovethe repossession off my credit report. 

The laws of Texas and the Federal UCC require a full accounting of the sale and any deficiency. If the sale was not conducted in a commercially reasonable manner, or if I was not given full notice and accounting as required by Texas law, you are liable under the FCRA, for any damages caused by your agent ( TX ) s fraudulent reports to the credit bureaus. 

RECOVERY REQUIREMENT : As per UCC, repossession allowed without committing a breach of the peace. Repossesses must hold valid collection agency XXXX XXXX XXXX, Texas XXXX Department of Transportation, Division of Motor Vehicles, XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOCUMENTS REQUIRED FOR LIQUIDATION : Title must be in lien holder 's name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession. 

PLATES : Remain with the debtor. 

The company 's failure to provide me with verifiable proof required for by your company and The laws of Texas and the Federal UCC to post the accounts listed is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts.