davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (CO)

Since Credit Acceptance Corporation ( CAC ) has not enabled a change in my credit report to allow for my mortgage to go thru, my best bet is to file a Chapter XXXX Bankruptcy to clear the course of action in returns to my report which will allow for a twelve month period of no lates or dings in order to go forward in our mortgage attempt. In addition, a company such as CAC has an option to move the payments which became late to the end of the contract instead of increasing the payment from {$470.00} to {$520.00}. This ploy affects my personal budget. My Bankruptcy attorney is XXXX XXXX and he will also serve as attorney for my daughter XXXX XXXX in her Chapter XXXX filing, she as owner of the XXXX XXXX XXXXXXXX XXXX, and me as her co-signer..
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (IN)

This allegation of debt is false. I do not owe these people. They refuse to provide complete information. I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. The items were not deleted, as requested. 
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
Consumer complaint received 2019-11-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (MI)

on XXXX XXXX a default judgment was entered against me for a credit card. When the default judgment was entered interest of {$2000.00} was added to the judgement for a time period that the company did not own the account the credit card account was charged off inXX/XX/XXXX interest was charged from XX/XX/XXXX I seeked the courts to intervene on this matter and because the judgment was already entered and time had passed the judge was unable to overturn this I am now having to pay interest I never owed to this collection company that has broken the fair debt collection act ( FDCPA ) thought its practice of retroactively imposing post charge interest on consumers debt. i am asking for assistance I have tried to settle the account which they refuse to do unless I pay 85 percent of the debt in full. Please help stop this creditor from predatory collections on monies they are not owed.
Consumer complaint received 2024-02-21
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I filed a compliant on USAA XXXX # XXXX and am still having issues with my checking account. 

I provided USAA with the new Trust documents. I requested to have my USAA account closed. USAA sent me a check that I can not cash because the check was made out to the old trust name. Furthermore, I was told by USAA that the account was closed. However, I am still receiving account statements on my checking account from USAA. 

Date of check XX/XX/2021 Check # XXXX
Consumer complaint received 2020-05-08
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 have filed a dispute in regards to incorrect items on my credit report on XX/XX/2020. I followed up with 30 day demand to comply letters. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CURO Intermediate Holdings (TX)

My XXXX XXXX card was stolen from my car along with a small journal with a lot of important numbers I keep in my armwrest. Because I barely use my card, I didnt notice it was lost until I tried to make a purchase at a restaurant. I called my bank to report my card stolen and they told me of transactions on the account. I informed the specialist that I lacked online access to see these transactions and that I would like to get access and file a dispute. The specialist told me I had to wait till the transactions posted and said she will email me a login info. I never received the email, and called back 2 days later to see if ye transactions posted. The supervisor told me yes and helped me file a dispute. She then said she will send me another login information to gain online access, but I still didnt receive it, and it was like that back and forth. I didnt hear from my bank till a couple of days when I received my replacement card and I couldnt activate it. They told me my account was closed, but wont tell me why and that I should go online and referr to the card agreement service page. I did t hear from them again until I called today to ask for the status of my claim and they told me they reached a decision on XXXX that said they denied my claim because my card was used with a merchant close to where I live. I told the lady so if I someone robs a bank closer to the owners home does that mean the owner is at fault? I asked hem to reopen my case and ask for video footage or a receipt where I signed anything and they refused and told me to send in an appeal letter.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 've been telling TransUnion that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX inc is like I said.
Consumer complaint received 2021-09-03
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: BARCLAYS BANK DELAWARE (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$9200.00}.
Consumer complaint received 2021-03-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (TX)

Republic Finance filed a wage garnishment against me for a debt that I allegedly owe. This company violated the Fair Debt Collection Act by sending information to a court stating that I owe a debt which violates 15 US Code 1692b ( 2 ). This debt collector also never properly served me notice of the wage garnishment. They also viewed my credit report without my permission, violating 1681b by not providing me with a copy of the credit report and the consumer rights. In violating 15 US Code 1692g, this debt collector never validated the debt before taking adverse action.
Consumer complaint received 2019-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I have had this card for almost 1 year now ( well beyond the 8 - 12 weeks timeframe past the initial 3 months bonus timeframe ), so any promotional bonus spending reviews should have been done and finished. 

But my membership account is still frozen and under review, as I can not transfer the points as advertised. 

Please make it so I can use my membership rewards points immidiately - at almost the one year mark of my having the card, the review for any promotional bonus offers should be done and complete.
Consumer complaint received 2018-02-11
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: Experian Information Solutions Inc. (GA)

The inquiry listed below has also been in dispute for unauthorization of pulling my credit reports. I have been disputing it for over three months. I have disputed with the credit bureaus along with the company that inquired. During this period, I have yet to get a response in the mail from the company who made the dispute. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorization. I have enclosed copies of documents of mail receipts and letters I have sent to this credit bureaus. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/17 The listed unverified inquiry hasnt been proven valid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. Please delete the inquiry from my credit reports immediately. I am tired of fighting this dispute on my Experian credit report.
Consumer complaint received 2024-02-21
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)

I am writing to express my extreme frustration and concern regarding the repeated attempts to remove fraudulent items from my credit report. Despite providing clear evidence of fraudulent activity and requesting their immediate removal, these items persist on my credit report, posing a significant threat to my financial well-being. 

The fraudulent items in question include [ describe the specific fraudulent entries, such as unauthorized accounts, inquiries. I have diligently reported these instances of fraud to your agency and have provided all necessary documentation to support my claims. However, to my dismay, these fraudulent entries remain on my credit report, tarnishing my creditworthiness and causing undue hardship. 

I urge you to take swift and decisive action to rectify this situation. It is imperative that these fraudulent items be expeditiously removed from my credit report to prevent further damage to my financial reputation. I demand immediate confirmation once the removal process has been completed. 

Furthermore, I expect your agency to implement enhanced security measures to prevent similar instances of fraud in the future. It is unacceptable that fraudulent activity continues to infiltrate my credit report despite my efforts to safeguard my personal information. 

I am deeply troubled by the impact that these fraudulent items are having on my financial stability and overall well-being. As a consumer, I rely on your agency to maintain accurate and reliable credit reports, free from fraudulent entries that undermine my financial credibility. 

I request a thorough investigation into the handling of my previous disputes and an explanation for the repeated failures to remove these fraudulent items from my credit report. Additionally, I seek assurance that measures will be taken to improve your procedures for handling fraud-related disputes and to prevent similar occurrences in the future. 

Please treat this matter with the utmost urgency and provide me with a comprehensive response outlining the steps taken to address my concerns. I am asking for your assisstance to remove these fraud items in my credit 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 XXXXXX/XX/XXXX.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I had lost my debit card I believe in the XXXX of XXXX but didnt realize I had lost it due to not going out and shopping due to the pandemic. I then got a notice that my account was close to being overdrawn so I looked at my account and saw that someone had been using my debit card on the XXXX, XXXX, and XXXX, making purchases of {$330.00}, {$400.00}, {$600.00}, {$800.00} and more without me doing so. I called J P Morgan Chase and canceled the card and reported it as fraud. I called on the XXXX when I got the notification. I was told that day that the funds would be put into my account in two business days. Two days passed and they told me again, it would be another two days but said I would receive the funds back. After those two days I was told AGAIN that it would be longer. The XXXX of XXXX that I would receive my funds. That they GUARANTEED I would get them back. On the XXXX of XXXX I get a letter saying they will not reimburse the money due to me not calling sooner about my card being stolen snd because someone used my card as a debit. Which when I called I stated Ive read numerous articles that PIN numbers get stolen and hacked all the time and that this was ridiculous. That Im now out {$3500.00} during a pandemic and out of the country snd they didnt care. Gave me the lame reason of not calling sooner about my card and now Im literally broke. This is unacceptable and makes no sense as I didnt make the purchases and was told I would receive the money and HAVE NOT. With them refusing to do so, I could be evicted because of their refusal to reimburse the funds I worked for and guaranteed to me three different times on the phone that I would receive MY money back. They are also now stating that they are closing my account with them and wouldnt even give me a reason for that!
Consumer complaint received 2018-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion Confirmation # XXXX Filed a dispute with Transunion about inaccurate and non verified information on my credit report. I also disputed this information with the creditors, whom were unable to verify or validate this information. I am not sure how transunion was able to, if the furnisher could not. I am filing this complaint with transunion because they've ignored my request to provide me with the documents that their company has on file that was used to verify accounts that i disputed. Being that the accounts can not be verified, under section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (GA)

Not granting me e the opportunity to to increase my line of credit I have maintained a positive balance with no interest or late fees. for over two years I have maintained a balance of capital with JP Morgan, prejudice decisions have hender me from establishing a significant amount of credit.with my credit score I can apply for a house but can not get a secure line of credit with a capital balance in the Bank. My brother 's and sister to whom which uphold the power to capitalism have hender me by making bias and prejudice decisions.
Consumer complaint received 2019-11-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2020-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (TX)

I signed up using a promotional offer. Santander Bank was offering a {$220.00} bonus for opening an account and direct depositing {$1000.00} within a specified timeframe. I recently called to check the status of the bonus and they said I didnt meet the deposit requirements. After review, they recoded my first direct deposit so it would not count as a direct deposit. They coded it as a transfer, even though it was directly from my employer as a direct deposit. I believe they are trying to avoid paying the promised bonus, as I made 4 {$250.00} direct deposits as well as several {$25.00} direct deposits.
Consumer complaint received 2021-03-26
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. (MD)

Experian is reporting inaccurate information on my credit report a refuses to investigate properly the accuracy of the information they are reporting i have made several attempts to have it corrected with no success also reporting inaccurate addresses and refuses to delete them aswell
Consumer complaint received 2024-02-21
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. (FL)

I am writing to complaint to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL, XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1966. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Consumer complaint received 2020-04-22
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. (AL)

This company is reporting to my credit report. I have never done any business with this company and I do not owe them any money. After my own investigation, they bought an account from a company that was created with my stolen identity. They are erroneously reporting to my account. Delete this account from my credit report in accordance with FCRA 605 ( b ).