davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-04-29
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXXXXXX  account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX XXXX XXXX for, {$930.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act convergent account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act convergent account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-29
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2024-02-23
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXXresponded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting 50, yes, FIFTY, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By XX/XX/XXXX own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to XX/XX/XXXX, was payment activity, not use. The way XXXXXX/XX/XXXX is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

XX/XX/XXXXis actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.
Consumer complaint received 2019-08-21
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. (WA)

XXXX XXXX XXXX is reporting incorrectly a collection in the amount of {$3800.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX account number XXXX. The original creditor is XXXX at XXXX XXXX WA. ( Please see page 3 attached from my credit report. ) When the terms of my lease expired, the property manager of the apartment complex returned my entire security deposit. The unit was immaculate when I vacated. Shortly thereafter, the same property manager decided to charge me for carpet replacement in the unit that I had previously leased. The unit had hardwood floors throughout. There was never any carpeting in the unit. When the property management company was made aware that their leasing agent had done this, the property management company took it upon themselves to rig the Invoice and reduce the amount I was falsely being charged of owing down {$1500.00}. The entire amount they have sent me to collections for {$3800.00}. I did not then, and I do not now, owe this money. I was given back my full security deposit in good standing, and this is clearly an attempt to get money from me that I do not owe. When I discovered this collection item on my credit report I immediately tried to contact XXXX at XXXX XXXX WA to request an itemization and proof they can legitimately charge me this sum of money when I clearly no longer lived there, nor had any kind of a lease associated with the unit they claim I owed for carpet replacement. I have contacted the ( 3 ) bureaus to remove these items from my credit report however, I have not been successful. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2023-04-07
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. (KY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NJ)

My XXXX XXXX XXXX XXXX XXXX was totaled in a non fault accident on XX/XX/XXXX. The vehicle was a lease. Chrysler received {$31000.00} from my insurance carrier on XX/XX/XXXX. 
The payoff on my XXXX was only {$20000.00}. Both XXXX & Chrysler told me the overages are equity since the value of the car was paid & would therefore be paid to me along with my XXXX & XXXX car payment that I made after the car was deemed totaled. 
To date, I still do not have any of this money. 
They wanted my bank statements showing I paid my monthly payments even though they were posted & cleared on my account. The insurance money, they said they were holding for 45-60 days. 
After many phone calls & lots of fighting Chrysler said they issued me two checks on XX/XX/XXXX. One check for {$240.00} for my XXXX car payment & the second check for {$10000.00} for the insurance overages. They sent the checks to my mom at an old address. My mom is a co-signer on the account but I pay for the vehicle & they have my correct address & information. 
I was not informed that the checks were not sent directly to me nor was I informed that they received the checks back in return mail. I found out when I called them on XX/XX/XXXX to check the status of the check processing. 
On XX/XX/XXXX they assured me the address was updated & the checks would be reissued with in 72 hours. As of today, still no checks. 
I called Chrysler again tonight. I was hung up on. Transferred several times to be told that they can not tell me the exact date the checks were reissued or what address they were reissued to. They told me they would email the accounting department & I can call them back Thursday. 
This is whole situation is completely unacceptable! I have made countless phone calls to Chrysler since XXXX. I have been given misinformation & lied to several times. 
I need my insurance money to get another vehicle. I still do not have a car after 4 months. Chrysler also still hasn't issued me my XXXX car payment. I don't know what to do at this point.
Consumer complaint received 2022-04-29
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: Chime Financial Inc (SC)

On XX/XX/2022 at XXXX I have three very sketchy charges go through on my chime credit builder card. The first charge was for {$1000.00}, which was denied. Then they tried {$1.00}, and that went through. Then they charges {$100.00} and {$500.00}, both went through. It is nearly impossible to get in contact with anyone at chime and when I do I just told that they are working on it and will hopefully have the dispute resolved by XXXX. The charge for {$1.00} has been returned, but the other two charges totaling {$600.00} have not.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

I sent the Credit Bureaus letters asking them to verify the debt on my report. They have responded stating that everything verified correctly. My credit report is still showing inaccuracies LVNV FUNDING LLC Account XXXX 15 U.S.C 168 s-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 2019-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (IL)

I have been trying to contact XXXX XXXX XXXX XXXX to ask for proof that i owe this credit card debt they purchased from citibank. they have not provided it to me. i did not open any such credit cards or anything like that
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I recently moved from XXXX  to XXXX for work and listed my house for sale. I owe about $ 250K to Chase. It seems the house is worth less and I applied for assistance in XX/XX/XXXX. In the interim we received a qualified offer at $ XXXX. After much aggravation, Chase declined this short sale because my loan is not delinquent. I am no longer able to pay the mortgage and my new rent, and Chase seems more willing to drive me into foreclosure than accept this offer.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

I used XXXX through Chase bank to send money to a person through XXXX for the purchase of XXXX XXXX XXXX. The person gave me the name to send it to, had a Legit XXXX profile, and was in my U.S. based XXXX group online. My money was flagged. I called the bank and told them it was to pay for chicks. They didnt tell me if the transfer was leaving the country or anything like that. Of course the XXXX profile blocked me and I realized I was scammed out of {$200.00}. I have no way to report this person. I have no way to get my money back. I have no way to help stop this person from scamming others!
Consumer complaint received 2021-11-30
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)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-11-08
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. (GA)

I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.
Consumer complaint received 2022-08-17
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. (MN)

I went to XXXX XXXX XXXX XXXX  they told me they would pull me credit once but i had multiple hard inquires 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 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/XXXX, I notified Wells Fargo bank of large fraudulent transactions to my account ( Platinum Debit Card Account ). These charges were made to XXXX and included XXXX transactions of {$360.00} each. This notification was made within XXXX hours of these activities/charges on my account. The bank representative confirmed my identity, that this was my account and that the charges were not made by me but were fraudulent ( closed the account to other activities ).

The bank at that time had not released the funds ( money still was in my checking account ) and they should not have made payment to XXXX ( we do not understand why that this did not occur ). I was told instead that the bank would investigate the matter and get back to me.

After waiting a considerable time ( XXXX  days ) with no response, I
attempted to contact the bank. When I finally received a call back, I was told that since fraudulent charges were made to my account back in XXXX XXXX XXXX  ( a XXXX  charge to the account, un-noticed by me ), that my claim ( claim # XXXX ) was not done in a timely manner ; quoting Federal Regulation E .

Not knowing Federal Regulation E, I ( and my father ) contacted other banking officials and based on the information about this case ( information given to Wells Fargo and included in this letter ), they told us that this interpretation of this regulation was not correct. They and we found the actions of Wells Fargo negligent, if not fraudulent. The actions of Wells Fargo also are encouraging criminal activities ( a criminal can make a small fraudulent activity against an account and if un-noticed, allows them to make other fraudulent activities against the account XXXX months later with no consequences/actions by banking officials even if notified of this activity in a timely manner ). We are sure that this is not the intent of Federal Regulation E. 
It has been over XXXX months since this incident occurred, based on my first contact with the bank on XX/XX/XXXX, when these large fraudulent charges occurred. We have received notices every few weeks from Wells Fargo telling us that the matter was still under investigation, but based on the last communication, Wells Fargo is considering the case closed. We also find it very interesting that they are returning the original fraudulent XXXX charge to my account. 
Since Wells Fargo has closed the case, the only recourse we have is to contact government and banking officials.

If you need anything else from me, please do not hesitate to contact me.

I look forward to a quick resolution of this matter and my hopes are that others are not treated like this, by allowing criminals to take advantage of debit card holders through Wells Fargos interpretation of Regulation E.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XX/XX/XXXX and equifax have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.
Consumer complaint received 2018-10-04
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: ALLY FINANCIAL INC. (GA)

I sent a certified letter to Ally Financial, the furnisher of information to the credit bureaus ( XXXX and XXXX  ) on XX/XX/XXXX and XXXX XXXX ( even though the date was misprinted ). In both letters I asked that they are in possession of any document that they believed authorized the inquiry to produce the document. In a phone call on XX/XX/2018, an individual claiming to work for Ally Financial stated that they were in possession of two applications from an auto dealer for credit. I asked if the applications had my signature on it. She said " No. '' I said if I have not signed it you do not have authorization and since you can not produce a signed application, you can not verify that the transaction was initiated by the customer. The Ally employee tried to tell me that I had to speak with the auto dealer directly, but the FCRA states that the furnisher of information " Ally Financial '' has the obligation to maintain these records and has the capacity to remove this unauthorized inquiry.
Consumer complaint received 2023-04-06
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.