davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I am the victim of wire fraud as a result of business email compromise on the part of a window contractor ( XXXX XXXX XXXX ; XXXX XXXX, CA ) who was ordering new windows for my house remodel. The funds were wired according to instructions that were coming directly from the company owner 's correct email address. This occurred on XX/XX/2021 for a total amount of {$25000.00}. As soon as the fraud was discovered on XX/XX/2021, I initiated a wire fraud complaint and recall through the issuing bank, Citibank. I reached out to their Executive department and received a notice stating that they were unable to connect with the beneficiary bank ( XXXX ) after over one month of supposedly trying. I also filed a complaint with local law enforcement and completed the FBI IC3 complaint form online. I have also filed a complaint with the XXXX. In an effort to be proactive, I did reach out to XXXX Bank who was apparently merging with XXXX on the date of the transaction, which complicated matters further.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 
Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 
Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Consumer complaint received 2022-04-13
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: OneMain Finance Corporation (MD)

I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me XXXX XXXX, XXXX XX/XX/2020 ONEMAIN XX/XX/2020 ONEMAIN XX/XX/2020
Consumer complaint received 2021-12-20
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I recently tried to get approval for a home loan from JP Morgan Chase but found out they will NOT grant home loans to the physical disabled on a fixed income with a working spouse they deliberately raised their credit score requirements to discourage the disabled with slightly lower than their requirements from getting anu type of loan after they were recently fined for encouraging employees to use a app to avoid federal regulators and a while back wrote a bad loan for more than XXXX million yet can't get a loan for a house at XXXX on a twenty year note.
Consumer complaint received 2021-12-19
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: TD BANK US HOLDING COMPANY (FL)

My vehicle broke down while traveling out of state I had it towed to the XXXX dealership During the repair process they did some repairs that were unauthorized claiming these were recalls when I came to retrieve my vehicle I noticed that one of the parts they installed looked broken damaged or used along with several other problems that the dealer caused during repairs I contacted XXXX customer care and the credit card company after I try to resolve it with the dealership ram customer care instructed me to take the vehicle to another dealership for a second opinion they concluded that the repairs that were made by the original dealer were faulty and this was a workmanship issue not a warranty issue i had to pay to fix what the other dealer damaged I supplied the cc company with this letter and all paperwork they opened the dispute but after several days they replied that services were rendered and I had to pay the bill Im not denying that they provided services Im disputing the shady parts they installed and the quality of craftsmanship or workmanship they did causing damage to my vehicle requiring me to pay someone else to fix their lousy work I believe I should not have to pay them because they damaged my vehicle the cc company requested a letter from XXXX XXXX saying that if I didnt provide the letter they couldnt move forward with dispute because service was rendered after I provided them with the letter from a supervisor at XXXX they denied my dispute still saying service was rendered
Consumer complaint received 2021-12-20
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX XXXX  ) XX/XX/2021 2021
Consumer complaint received 2023-01-31
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I have an XXXX credit card issued by Comenity bank to be used at XXXX XXXX and XXXX stores. I attempted to login to make a payment this morning and have repeatedly tried to access my account today. The website says it is " down for maintenance. '' I called the XXXX customer service line and received an automated message that " due to unexpected circumstances their offices are closed '' with no option to reach someone to talk to. I tried logging in to my account and got the error message attached below. 

I then started a chat with XXXX where I made my most recent purchase, who also offered no assistance and said they could not provide information on credit card related matters ( see attached ). 

XXXX never sent an email indicating any site maintenance. I've seen on XXXX that multiple people have the same complaints for various store credit cards issued through Comenity ( now perhaps Bread Financial? ). I also saw on XXXX that people mentioned it was bought by Bread Fiancial. I tried calling their customer service line, which then is answered by Comenity Bank, so again the same problem with receiving a message that due to unforeseen circumstances, their offices are closed. 

There were no emails sent to customers about site maintenance, a merger, or accounts being in accessible. I have a very good credit history and do not want late payments that are not my fault due to the irresponsible way these banks have shut off all access to my accounts to affect me adversely.
Consumer complaint received 2022-06-24
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)

XXXX XXXX XXXX, has violated my consumer rights of the Fair Credit Reporting Act - FCRA under 15 U.S.C. Sec. 1681i ( a ), - XXXX XXXX reported a debt collection on my credit report without verification / validation for two different Account Numbers : EXPERIAN : Account number : XXXX - in the amount of {$30000.00} XXXX : Account number : XXXX - in the amount of {$30000.00} - XXXX XXXX XXXX, did not contacted me before reporting information to the credit bureaus. 

- XXXX XXXX XXXX, has failed to provide information validating debt, written documentation, original agreement with original signature of said debt. 

- XXXX XXXX XXXX was contacted via certified letter and returned receipt ( attached ) to remove Unverified, Inaccurate, and incomplete info to credit bureaus. 

- XXXX XXXX XXXX, has persistently reported inaccurate and unverified information to credit bureaus since XX/XX/2019. 

Furthermore, 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 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-27
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. Transunion and XXXX still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

Collection account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted.

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 2022-06-21
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)

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to Privacy.

15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-19
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)

Geez, do you think I'm an idiot? This is the second time that you have caused me harm. I don't know if you could care less or are incompetent... 
I asked you to deal with the problem that you are listing my husband 's mortgage somewhere around $ XXXX on a house that is worth $ XXXX. That is, the mortgage is worth around $ 25 % of the value of the house. 
In addition, as I mentioned, we own two houses free and clear that are worth over {$1.00} million with no mortgage. The addresses of my other houses that are paid in full follow : XXXX XXXX  XXXX in XXXX XXXX, XXXX, TX XXXX XXXX  XXXX, XXXX, TX XXXX I'll try to attached pdf documentations as such And keep in mind that we always pay our debts in full every month. 
Yet you all have the *. * nerve to actually think you can con me into believing you have done something when every one knows the XXXX is not the score that matters- or the banks look at. The problem is that you *. * are listing our minor mortgage as a credit card get, which is getting y credit card companies in a flurry. It is the reason that one of my credit card companies cut my credit in half because of this and there are signs more will happen. 
I know that you would never have let us know anything if it weren't for the XXXX. You are supposed to fix the problems you caused, not to create fake fixes to make me go away.
Consumer complaint received 2022-06-27
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable items. 
XXXX XXXX XXXX Balance : {$140.00} and XXXX XXXX XXXX Balance : {$0.00},
Consumer complaint received 2021-12-20
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. (FL)

I checked my credit report and sent out letters to Experian, XXXX XXXX XXXX to remove the late payments reporting on my credit profile as it is henerding me from getting credit! Pursuant to 15 USC 1681a ( XXXX ) ( a ) ( i ), Congress said, The term consumer report does not include transactions or experiences between a consumer and the person making the report. The line of credit in which you use and how you use is are Transactions, When you swipe a card thats a Transaction, Your Payment History is a Transaction. My experience is the Line of credit, so if my consumer report does not include the Transactions or experiences Then where does a LATE PAYMENT COME FROM? WHERE DOES HIGH UTILIZATION COME FROM? IT IS NOT SUPPOSED TO BE ON THE CONSUMER REPORT AT ALL ACCORDING TO CONGRESS! 

I have attached the letters sent, Law 15 USC 1681a ( XXXX ) ( a ) ( i ), & Copies of the credit report!
Consumer complaint received 2021-12-20
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

This is to dispute a negative remark from Carrington Mortgage Services. They reported a late payment for XX/XX/2021. Included is a mortgage statement from Carrington Services that shows there was no payment due for XX/XX/2021. It also shows multiple payments in the previous months which would have led to an overpayment. We later sold the home on XX/XX/2021 which effectively paid all debt to the lender. There are included documents reflecting this as well. 



Thank you for your time on this.