davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
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. (CA)

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason
Consumer complaint received 2021-10-03
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)

I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : Experian, XXXX and XXXX. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.
Consumer complaint received 2021-09-23
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)

Requesting dispute as this information is inaccurate. 
I have several student loans reporting on my credit report preventing me from obtaining credit for a home loan or for any other loan ( or credit card ). The balance on my student loans are affecting my credit score daily. Over the past several years I have made payments on my student loans but my credit score continues to go down.

Some student loans are reported on my credit report twice ( which needs to be removed ).

Student loans have had a direct impact on my credit score.

I'm requesting a good will deletion from report ( as payments are still being made ). 
This is hindering my ability to qualify for a mortgage or auto loan. 
Also, late payments from several years ago still show on my credit report which still affect my ability to qualify for credit cards or loans. 
When I apply for credit I'm denied. and the reason I'm not approved is because : - Time since delinquency is too recent ( incorrect information ) -Proportion of loan balances to loan amounts is to high ( incorrect information ) -Serious delinquency and derogatory public record or collection filed ( incorrect information ) -Total number of credit inquiries ( incorrect information ) Requesting dispute as this information is inaccurate. 
Requesting a hardship until issue is corrected.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

In previous case # XXXX US Bank Responded see attached. AS YOU WILL SEE XXXX XXXX senior customer service frivolous response not to mention a lye, my address is clearly right as well same they mailed checks to and statements his response clearly has no waiver and is wrong as council was secured this goes in the record and clearly shows from inter office correspondences that now not only discrimtory but he has taken this personal
Consumer complaint received 2020-11-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I started with XXXX XXXX. I filled bankruptcy in 2019. During the bankruptcy process my house was sold to Carrington. Since then I was behind from the previous during my bankruptcy with XXXX. Now Carrington owns it. I had to pay XXXX basically to keep my house. I paid that and was caught up on the mortgage. Since then Ive fell behind on my mortgage again by two months now with the exception of they wont allow me to make this month of XXXX. Carrington will not let me pay my monthly note with a little extra at a time to catch up. They want it all at once. Being that Im a single household income and playing catch up at the beginning of the year has set me back again. I only owe XXXX on my house. The house market value is XXXX. I think they are trying to make me lose it so they can cash in on the Equity. They tell me since its a federal loan I cant make partial payments to catch it up. When I was with XXXX I was able to do that during hard times. Now since they own it I cant do that. Which seems odd to me? I need someone who knows about the matter or could give advices to call me. My name is XXXX XXXX. My phone number is XXXX. Looking for a solution to a big problem. I believe they are trying to steal my house for the equity. Doesnt make since you wouldnt let me make a payment with a little extra to catch up. Not allowing me to pay just puts it further behind.
Consumer complaint received 2022-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AutoNation Enterprises Incorporated (CA)

As this is my last attempt to settle this dispute outside of civil court ; I will speak directly from the Truth In Lending Act. It is my hope that this can save all parties involved time and energy. As a consumer with full faith and credit in commerce I ask that the following is FACTS and TRUTH be recognized as it is stated in the Truth In Lending Act, which governs this company. 

1. 15 USC 1611- CRIMINAL LIABILITY for willful and knowing violation - ( 1 ) whoever willfully and knowingly gives false information or fails to provide information which he is required to disclose under the provisions of this title or ANY regulation issued thereunder.

- ( 3 ) otherwise fails to comply with any requirement imposed under this title shall be fined not more than XXXX or imprisoned not more than XXXX year, or both. 

2. 15 USC 1605- the amount of the FINANCE CHARGE in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. Charges imposed uniformly in cash and credit transactions are NOT finance charges.

3. The term " credit card '' mean ANY card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The term " accepted credit card '' mean ANY credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

4. The term " unauthorized use '' as used in section 133, means use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives NO BENEFIT. 

5. Consumer Credit Transaction- the transaction in which the party to whom credit is offered or extended is a NATURAL PERSON, and the money, property, or services whcih are the subject of the transaction are primarily for personal, family, or household purposes.

CIG has knowingly and willfully violated this consumer since XX/XX/2020, and to present day, still reports harmful and unfair credit billing information to the Credit Reporting Agencies ; which is by definition ; UNAUTHORIZED USE of the consumers credit card. The forms used to initiate this CONSUMER CREDIT TRANSACTION were false and deceptive and the subsequent theft of consumers property has cause enormous distress and hardships ; mental, emotional, and financial.

Congress has entrusted companies such as CIG financial with the opportunity to enhance economic stabilization by the informed use of credit. How can any consumer ever be truly informed of how consumer credit transactions truly function when companies, like CIG are knowingly deceptive and abusive to the consumer
Consumer complaint received 2022-07-02
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. (NJ)

Fraudulent opening of credit card by identity theft. Stolen ss #. Reported to Washington XXXX police. XXXX XXXX nj. 
XXXX denied fraud claim.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 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 2022-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (MN)

In XXXX of 2022, I set up a payment plan to payoff a credit card debt I had with Navy Federal. my first payment would have been XX/XX/XXXX, however my funds that I was going to receive, arrived late than the expected date. On XX/XX/XXXX, my taxes finally came through. At this moment, I only had a Savings account. The representative Witheld information regarding opening up a checking account. I was told in order to transfer funds, I would have to open up a checking account. The representative neglected to also state that if I opened the account, that they would take the funds. On XX/XX/XXXX, I seen the full amount due, taken out of my account. I called NFCU right away. Now I'm out of XXXX  of dollars and I am currently being evicted and NEED the funds immediately. NFCU were not helpful and they told me they are not going to reverse my funds. Once they took the funds out of my account, they closed my checking account again. I had to call AGAIN for them to open my checking beck up. How does a company get to rob someone and then close their account? I wasn't notified they were taking my funds or closing my account.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I have inaccurate information being reported by XXXX. I am the owner of account # XXXX with Macys AMEX/DSNB. I have asked XXXX to correct this for over 4 months. I worked directly with the creditor Macys AMEX/DSNB they are reporting that I was late on and they wrote a letter stating this was in fact an error. First XXXX reported this as a late in XXXX and then suddenly they moved in to XXXX. I supplied a letter dirrectly to XXXX stating this account was never late from Macys AMEX/DSNB and they have failed to correct the inaccurate information. I have called them on XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I have XXXX and attached the letters that were submitted and faxed on XX/XX/2022 and XX/XX/2022. Each time they tell me to file a new dispute and this is all that I can do. I have /requested a manager on several occasions and every time I am told a manager will call me back and I have never once received any call back from XXXX. I have waited on hold for hours and been hung up on repeatedly. They have no method to correct this or manager to assist. I even gave them the number of the manager of all of Macys Credit Card services in the corporate office to call directly in the dispute filed over the phone and they have still failed to correct this. I have also called Macys to help me in this process and every time they tell me they are pushing through the correction to XXXX but it has failed to be corrected. 

I have attached several letters I have submitted to XXXX asking them to correct this. My Credit report currently and my previous credit reports which shows them moving the inaccurate information from XXXX to then to XXXX and still failing to correct the issue.
Consumer complaint received 2024-09-05
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I went to withdraw money my friend deposited into my account on Saturday XX/XX/2022 after the bank said the funds were available. I went to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, NY XXXX because it was a large amount for ATM. The cashier refused to give me my money because it was still " pending '', and stated to wait till XXXX to come to get the funds. I called the bank to ask about what just happened. I was told again the funds are available for withdrawal as long as I come with proof of identification which I did the first time. I went back there on Monday and they still refused to give me my money. I had to start going back and forth with the cashier in front of people which was embarrassing for me. They eventually gave me the money. I tried to talk to the manager about what happened and all she told me was " It's not her workers, it's the bank, they are following what the bank wants ''. I was treated unfairly, they made me feel like a thief for trying to withdraw my money. I hate to go there but I feel like I was being discriminated against.
Consumer complaint received 2022-07-02
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. (AR)

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  Account # XXXX has violated my rights. 
XXXX XXXXXXXX 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 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.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 antidotes the report by more than seven years 15U.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 in accurate.
Consumer complaint received 2020-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

A XXXX  by the name of XXXX, who is in a gaming group called XXXX XXXX, used XXXX  to announce he is selling XXXX XXXX and I started speaking with him through direct message on XXXX and eventually sent him the money through PayPal. He then continued to block me and hasn't answered any of my emails. He scammed me and stole my money. I reported an issue to PayPal but I have to wait up to 90 days, and I reported him on both XXXX and XXXX.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2022, my wife was called by a person purporting to be a police officer notifying her that a warrant had been issued for her arrest for failing to appear for Jury Duty. 

She was required to send XXXX payments to clear the matter. 

She did so in the amount {$3000.00} ( 2 transactions of {$1500.00} each ). Within minutes of the transactions, I contacted the local sheriff who confirmed it was a scam. 

We immediately contacted Wells Fargo Bank ( within 10 minutes of the transactions ) and they claimed they could do nothing about it.
Consumer complaint received 2022-07-02
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 2022-07-02
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. (CA)

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (AZ)

ToWhomItMayConcern, I am writing to formally dispute the inaccuracies on my registration in your system, specifically regarding incorrect names and addresses. I have previously requested multiple times for this incorrect information to be removed, yet my requests have not been adequately addressed. 
As per the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I have the right to accurate and up-to-date information on my records. The continued presence of incorrect names and addresses on my registration is a violation of my rights under these laws. 
Below is a list of the incorrect names and addresses currently listed on my registration that must be removed immediately : ****INCORRECT NAMES*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****INCORRECT ADDRESSES **** XXXXXXXX XXXX XXXX XXXX XXXX AZ NEVER LIVED HERE IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NEVER LIVED IN THIS STATE IDENTITY THEFT I am requesting, once again, that you immediately remove any names and addresses that are not mine from your records. Please provide a written confirmation that these changes have been made. 
MY ONLY PLACE OF RESIDENCE SINCE XXXX  HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX If this issue is not resolved promptly, I will have no choice but to escalate this matter through legal action and report it to the appropriate regulatory authorities. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX  STILL HAS INCORRECT CURRENT ADDRESS THE XXXX XXXXXXXX ADDRESS I NEVER BEEN ASSOCIATED WITH THAT ALL MY FRAUDULENT ACCOUNTS WERE LINKED TO I CONTACT XXXX I CANT EVEN PASS THE IDENTITY VERIFICATION QUESTIONS BECAUSE I KNOW NOTHING OF THE FRAUD ACCOUNTS I SUBMITTED ID VERIFICATION SS CARD BIRTH CERTIFICATE THE ACCOUNTS THAT ARE FRAUDULENT STILL ON MY REPORT AND ITS AFFECTING ME FROM LOOKING FOR BEW PLACE TO LIVE SINCE IM TRYING TO DOWNSIZE SINCE MY KIDS MOVES OUT IM GETTING DENIED DUE TO THESE ACCOUNTS I HAVE NO KNOWLEDGE OF
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX opened XX/XX/3018 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 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