davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
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. (TX)

I reviewed a recent copy of my credit report and noted several unauthorized inquiries. 

I have contacted the creditors noted below, and they stated that they have no evidence that I initiated the inquiries, either written or otherwise, and could not provide me with permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer Since there is no evidence that I initiated these requests, I request that these inquiries be removed  from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that you promptly delete the following items from my credit report. 

The following inquiries were not authorized : Transunion XXXX XXXX   from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX/XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX.XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. 

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

It is ridiculous that this account is even being reported as late as I have been set up for autopay during my entire payment history with XXXX XXXX. 

I am prepared to file a complaint with the XXXX  as well for both company 's if this situation is not rectified immediately. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, but your agency also failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2020-05-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (SC)

On Friday, XX/XX/XXXX, I received a letter from Freedom Mortgage that my mortgage was being transferred from XXXX to Freedom Mortgage. There were two letters that I received from Freedom Mortgage, one was a welcome letter outlining who Freedom Mortgage is, as well as the principal, interest, escrow and any other fees or penalties that may accrue. The other letter was more detailed on when my next payment is due. The welcome letter looked suspicious because throughout the letter, key areas of information such as my name, date, address, and payment amounts were all in different font colors than the rest of the letter. 

I called Freedom Mortgage and spoke to two people ( one was a customer service representative, and the other was a supervisor ). I explained to them that I received these letters but I am not sure why because I have not received anything from XXXX indicating that my mortgage was being transferred. Apparently they have all of my information, including my social security number. I asked for someone to email me a copy of all the documents that they have pertaining to my mortgage to verify if it is legitimate. The representative said that it would take three business days to complete the order, which I was not pleased about ( three days to send an email???! ) They said that they could expedite the process so I can receive the documents sooner, which I said sure. 

Today is Friday, XX/XX/XXXX and I still have not received the documents that I requested to verify that Freedom Mortgage is ; one, a legitimate institution, and two, that this transfer of service is legitimate as well. Freedom Mortgage does not have any offices available, and even if you take the COVID-19 situation out of the equation, I would have to call and wait in queue in order to speak to someone about my issue, rather than going into a local branch and dealing with this situation, or any that may come up in the future. I am very concerned about this.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" 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 2020-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

XX/XX/2020 XXXX  XXXX  Account XXXX Creditor : Caine & Weiner {$77.00} charge is paid in full - Confirmation # XXXX Caine & Weiner XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
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: Affirm Holdings, Inc (OH)

Misleading Customer Support During Hardship Led to Unjust Delinquency Report I reached out to Affirms customer care team in good faith, explaining my financial hardship and seeking guidance on how best to manage my payments under the circumstances. During the conversation, the customer care agent assured me that I would not be penalized and advised me to simply make payments as I could, with no further repercussions. 

Despite this reassurance, and after being under XXXX  days late on a single payment, Affirm reported my account as delinquent to XXXX. I was surprised and disheartened by this, especially after trusting the support teams guidance. 

I have since opened a dispute with XXXX, which Affirm has unfortunately declined to resolve. 

I genuinely hope this feedback encourages Affirm to reconsider its approach when working with customers facing hardship. Clear communication and empathetic support are essential, especially when people are already navigating difficult financial situations.
Consumer complaint received 2022-05-24
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: DISCOVER BANK (TX)

Dear Discover Bank Pursuant to The Gramm-Leach-Bliley Act ( GLB Act or GLBA ) is also known as the Financial Modernization Act of XXXX. You are in direct violation of my consumer rights. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. I XXXX XXXX the consumer never gave Discover Bank any written, oral, air any other means of correspondence that they could share my personal information with any third parties. You have shared my personal private information including my name, social security number, address, phone number, account number and other personal information with several third party companies. Financial institutions found in violation face fines of {$100000.00} for each violation. XXXX, XXXX, XXXX are all third party non-governmental for profit companies. Please have my information removed immediately from their records and any other third parties in which you have provided my private personal information. You are also in violation of United States Privacy Act, as I gave you no consent to share any of my private information with these companies. They are not backed by, bonded or have any affiliation with any government agencies. 

All Rights Reserved Without Prejudice U.C.C 1-308, Notice To Agent notice knowledge U.C.C. 1-202
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Parrish and Lebar, LLP (VA)

Parrish and Lebar is suing me on behalf of XXXX XXXX. The debt is for XXXX that had to be done to remove a XXXX XXXX. The first XXXX the doctor claimed he couldnt complete due to XXXX which I was told an antibiotic would prescribed before XXXX to prevent this. Im being billed for the XXXX and use of facility. I have paid the bill for XXXX which was lower than the use of facility fee. They tried to garnish a company I dont work for with the wrong social security number on the garnishment. The first notice was sent to an old address. I didnt find out about the court date until 2 days before. I have tried making payments arrangements or settling to remove the lien place on my property they will not agree. Each month I make a payment the bill is higher due to them adding interest. At this point I will be paying this bill the rest of my life
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX has been double-reporting my student loan balance to Transunion. I provided documentation of my correct account balance to Transunion, but Transunion declined to remove the incorrect information. I am unsure as to why this would be the case as Transunion stated they verified this as accurate with XXXX, which it is not. XXXX has been aware of this issue for several months now, and they have failed on their promise to resolve the duplicate reporting issue.
Consumer complaint received 2022-12-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

This complaint is on behalf of my parents, they took a loan against their home with a fully paid-for home and a credit rating of XXXX my pops is a veteran, and they were paying XXXX interest, eventually, the rate after refinancing 2 times came down to XXXX Mom kept saying the bank was ripping them off. Every time that they would get to where they were no longer paying interest only the bank would tell them they needed to refinance, they were both in their XXXX and believed they had to refinance because the bank said so. Each refinances added more money they owed and they never received a penny it all went to fees etc. up to {$20000.00} A few months ago my mom passed and I took over caring for Pops, both my parents thought pops would have gone first and always said they had loan insurance so that the house would be paid off, so I looked into this with moms death, and find that the bank Wells Fargo had no loan insurance on mortgages, they refinanced at the same interest rate in 2021 taken moms name off as survive and co-signer, they made {$20000.00} dollars XXXX to my parents and increased the length of the loan, my pops would have to be XXXX yrs old to pay off the loan in addition to these issues it is a non-assumable loan .which means the bank will get the house no matter what, .My Pops is confused about the entire matter he said whenever the bank contacted him and said he needed to sign he went and signed. This is predatory I believe and this is wells Fargo
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

" 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 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

The XXXX XXXX in XXXX, Florida suggested that I get the Care Credit Card through Synchrony Bank so I signed up for it. However, he began to bill me twice for services I had already paid for out of pocket in cash. Also he billed me for services he never even gave me. All of the charges under the Care Credit account were not given and were unauthorized. He forged my signature for the credit card payment. I never agreed to pay the fraudulently charge amounts. 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 2022-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (SC)

I had a secured credit card with Citicards for {$200.00}. The secured balance was used to pay off the {$200.00} credit balance. They took the secured balance, but are sending me a fraudulent bill of {$250.00}. Citi is charging {$250.00} for a balance I do not owe. I asked for itemized proof of this debt showing dates of how this balance was incurred. Citi can not provide proof of this debt. Please wipe this debt and remove from all of my credit reports. It is harming my credit profile and factoring into credit decisions that are influencing my finances.