davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
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. (NY)

I FILED A METHOD OF VERIFICATION DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

I checked my credit report ( XXXX ) and saw an account by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to XXXX, their parent company XXXX XXXX XXXX XXXX, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

XXXX XXXX, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit XXXX and related documents ) The packet ( attached ) was sent to XXXX XXXX and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.
Consumer complaint received 2021-11-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2020-11-30
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. (MS)

XXXX XXXX, experian and XXXX  is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, Experian and XXXX  Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity
Consumer complaint received 2021-10-10
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. (OH)

This third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020, I submitted a request to the 3 bureaus to have a specific accounts investigated and verified. I then sent follow up letters on XX/XX/XXXX and XX/XX/2020, after the information was listed as verified, and I asked for proof of verification. None was provided and the account misinformation is still being reported inaccurately. On XX/XX/2020, I asked the bureaus to provide validation of the debt being misreported, I then followed up with a letter on XX/XX/2020, both received no response and no correction of misinformation on the reports.
Consumer complaint received 2022-04-26
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: DISCOVER BANK (TX)

In accordance with the fair credit Reporting Discover Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (GA)

I XXXX XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/14. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605, a finance charge is the sum of ALL charges in a consumer credit transaction. Because I know the finance charge is the sum of ALL charges I was not expecting a bill. On XX/XX/2014, Santander Consumer USA sent me a bill which is a violation of 15 usc 1692b.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America customer and have a direct deposit set up for {$250.00} per pay period. On XX/XX/2021 I received an email notification from Bank of America advising me that my direct deposit for XXXX XXXX was posted to my account. Since I am a XXXX XXXX  and was working on XX/XX/2021, I decided to wait until today ( XX/XX/2021 ) to make a transfer from my Bank of America checking account to my XXXX XXXX XXXX XXXX account, using my debit card for an immediate credit, but when I tried to transfer the {$250.00}, I received the information that my transaction was not completed, so upon verifying my Bank of America account, I noticed that my available balance was {$100.00}, and there was a pending transfer transaction to XXXX XXXX XXXX XXXX in the amount of {$250.00}. Since every time I make transfers to XXXX XXXX XXXX XXXX from Bank of America with my debit card, I receive immediate credit ; and I did not make a transfer today, I also noticed that the transaction was showing as " checkcard transfer '' which whenever I make transfers with my debit card, it shows as " transfer to XXXX XXXX ''. To insure I was correct, I verified with XXXX XXXX XXXX XXXX that no credit in that amount was posted to my account today, and then contacted Bank of America to file a dispute on a fraudulent transaction. I was told by a representative that nothing could be done as far as disputing the fraudulent transfer made on my account. I was then transferred to a second representative named XXXX at the Disputes Department, who said that a dispute could not be placed and the only thing she could do for me was to shut my debit card and order a replacement, but no other action was taken and my funds are still being held on that fraudulent transaction, making me late for my rent payment due today.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has incorrect information on my credit report regarding a car from XXXX. I have an attached letter from XXXX indicating the car has never been late. Also Experian has the car as a repo which is impossible if the car has never been late. Please see attached info on my Experian report that says the car was a repo " foreclosure. '' It is " impossible '' to foreclose on a " car '' Further indicating the information on my credit report is incorrect.
Consumer complaint received 2020-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX 3,2020 I went into the XXXX XXXX  XXXX  location within the XXXX XXXX airport to rent a vehicle. Upon checking out and getting the vehicle within my possession the vehicle which was a XXXX XXXX had the check engine light was on. I expressed my concerns about it I was given another vehicle same model as the one I was renting it also had the check engine light on. The manager informed me there were no more vehicles the size that I was renting and to return the following day to get an exchange. He also stated that the oil probable just needed to get changed and that he has not had the time to complete. I was leery of driving the vehicle because this is a local company and there are not any location 's in the state in which I am traveling so if there would be any break downs or issues they would not be able to get to me to do any sort of exchanges. This was very inconvenient since I was scheduled to leave on my trip that following morning. I made my way home and in addition to the check engine light on the steering wheel was shaking anytime you accelerated over 40 miles. The following morning XX/XX/XXXX I called to ensure they had a vehicle to exchange I was directed to roadside assistance who directed me back to the customer service. At this point my trip had been delayed by over 5 hours I returned the vehicle XXXX @ XXXX and took my own vehicle on my trip which was over 7 hours. The trip was too far to take a vehicle I felt was unstable I was immediately refunded my money and ensured by the manager that I would not be charged a early termination fee for returning the vehicle early. I was later charged about a week and a half later the exact amount that I was refunded of n {$110.00}. I attempted to reach out to the rental company and was not able to speak with anyone so I disputed with my credit card company. Ultimately my dispute was denied by Capital One indicating that since I agreed to the terms and conditions when initially renting the vehicle I was responsible for the charge. I attempted to explain that the only reason that I returned the vehicle early was due to the fact that the vehicle had issues that I was not comfortable driving a 7 hour drive one way in and returning in and in addition paying for a vehicle that I deemed to be be unsafe for myself and my family. I do not understand how a consumer whom agreed to rent a vehicle and agree to terms and no matter what happens is financially responsible for a faulty vehicle just does not seem right. I made a comment on the rental car 's social media page on XXXX and was advised to message them this was on XX/XX/2020 this is the only time that I was provided a detailed receipt of why I was re-billed the amount which shows a early termination fee which I was assured that I would not be charged.
Consumer complaint received 2023-01-23
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. (OH)

Recently, I did an investigation/dispute on my credit report which caused severe XXXX on me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under U.S. Code 1681e ( b ) and U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these account were updated but not verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 USC Section 1681i ( 7 ) Method of verification -Description of re-investigation procedure.

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 stated a consumer reporting agency can not furnish an account without written instructions. 

RESOLUTION : As a consumer by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting accounts I recently submitted by certified mail that I have attached. Thank you
Consumer complaint received 2022-04-26
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 report act 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.
Consumer complaint received 2024-02-24
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)

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 2021-06-04
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. (FL)

The financial institution misguided me about the cancellation process for this loan. Since XX/XX/2021 I have been in communication with them to make sure about the balance that I have pending and the number of payments needed to payoff the loan. The guidance from them was that the loan will be paid off in XX/XX/2021 and that the final balance was going to be {$710.00}. When I issued the payment in XXXX, I start preparing to pay off the loan in XXXX. But I received a debt collection letter on XX/XX/XXXX, dated XX/XX/XXXX saying that I had an outstanding balance of {$1600.00} and notifying me that my credit report was affected because of this. This was the first communication I received from them regarding the balance of the loan. Previously I was the one who called them to check this information. I called the financial institution to clarify this because they oriented me that the pay-off balance was {$710.00} and to claim the reason for reporting to the credit bureaus without letting me know first about the issue. In the last years, I have paid on time this loan. It doesn't make sense. Their answer was that the outstanding balance included charges accumulated in the life of the loan. So, okay, I will pay it if I have to, but I have always paid the loan according to the agreement and I also paid in XXXX what I thought it was the pay-off balance. But now my credit score went down XXXX points because of this affecting completely my financial plans and goals in the near future. I need the help of the CFPB to request the bank to remove this late payment in my credit history, because they are not willing to do it.
Consumer complaint received 2022-04-26
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 report act XXXX XXXX XXXX XXXX Account number 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.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (MA)

I applied for an American Express XXXX XXXX XXXX credit card through XXXX on XX/XX/20 with the intent to transfer my balance from another credit card. The introductory offer was 15 months at 0 % APR and a 3 % balance transfer fee. I received my card today and called American Express to do the balance transfer, however, they rudely informed me that they no longer accept balance transfers for any of their cards. The associate on the phone assured me that they do not advertise balance transfers anywhere and I must have been mistaken when I saw this. She offered no resolution. I am extremely frustrated as this is the only reason I applied to open a new line of credit. 

I included a screenshot of the offer below. I double checked and there is no fine print that says they no longer accept balance transfers. This was misleading and false advertising. American Express mislead me into opening a new account under the impression that I could issue a balance transfer at a 3 % fee. They offered nothing to solve this issue.
Consumer complaint received 2021-06-04
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. (NC)

I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : XXXX XXXX XXXX  # XXXX. Also US Dept Of Education # XXXX.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc. (GA)

The original company XXXX XXXX is trying to collect on an incorrect amount, and has placed it on my credit, in addition to selling account to RS Clark and Associate XXXX in the amount of {$200.00}. I made the last payment in XX/XX/XXXX on the date of invoice for XXXX. I purchased new washer and dryer, and had asked them to please pick up lease XX/XX/XXXX. I only owe for XX/XX/XXXX, and possibly XX/XX/XXXX. the company took their time picking up merchandise, and still charged me until XXXX/XX/XX/XXXX. Please see all attachments. This incorrect derogatory collection has caused my XXXX score to decrease to XXXX.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  to the following Accounts # On Experian 1XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 2. XXXX  acct # shows 2 late payments 3. XXXX XXXX shows 3 late payment 4. XXXX XXXX shows 2 late payments 5 XXXX shows 2 late payments. 
According to the the below statues my rights have been violated. Under the following : 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Each of the 3 major credit bureaus are in direct violation of their reporting. 
I request that these be removed immediately.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (OH)

I recently moved and reported my address change and they asked me to submit documents. So I did so using their website they gave me all they needed at first was a selfie and a picture of my drivers license then I call them they say give it one to two business days. It has been two weeks and they still havent released my benefits and I need to pay bills..