davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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)

n 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 Account # 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 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the last six months, I've been disputing a 30 and 60 day late that is on my credit report with XXXX  and Trans Union. XXXX XXXX XXXX has sent two updates to delete the inaccurate information and update, I have sent numerous investigation requests online, spent hours on the phone being bounced around to their offshore departments that have been denied and even uploading the letter from XXXX XXXX XXXX. Help.
Consumer complaint received 2023-02-25
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX nc XXXX Investigation Request Letter To Whom it May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I spoke with my lawyer he said you have 30 days to complete this investigation. And remove these accounts that you knowingly know that are inaccurate under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Please investigate the following accounts and remove them Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : CHILD SUPPORT ENFORCEM Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Please remove and send me a copy of my updated credit report and all information that was used to validate each alleged debt I need to know the full steps that was used and all information proof of what was used to conduct this investigation
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

I closed my Citi XXXX XXXX credit card account in XXXX and disposed of the card. For an investigation unrelated to Citi in XXXX XXXX, I accessed my account to request historical statements. When I was notified in XXXX XXXX that the historical statements were available, I was unable to login with my usual credentials. I tried to reset my password but because I do not have the card number -- I threw away the closed card -- Citi refuses to work with me to get my password reset so I can access my online account. I have been more than willing to provide SSN and other information to confirm my identity but Citi has refused. I don't even care what the account number is ; I have my username and just want to reset my password and Citi has refused to help me whatsoever.
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant USDEPTED XXXX {$10000.00} XXXX XXXX {$13000.00}
Consumer complaint received 2023-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a complaint against XXXX, TransUnion & XXXX the major credit reporting agencies in the United States. I have recently gone through a dispute process with XXXX regarding inaccurate information on my credit report. Despite providing them with evidence that clearly showed their violation of 15 USC 1681i, XXXX, TransUnion & XXXX failed to conduct a proper investigation and continued to report inaccurate information on my credit report. 
As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information they report about consumers is accurate and up-to-date. When a consumer files a dispute regarding inaccurate information on their credit report, it is the duty of the credit reporting agency to investigate the dispute and ensure that the information is corrected or removed. 
In my case, I provided XXXX, TransUnion & XXXX with proof that the information they were reporting about me was inaccurate and in violation of 15 USC 1681i. However, despite this, they failed to conduct a proper investigation and continued to report the inaccurate information on my credit report. This has caused me significant harm and has made it difficult for me to obtain credit or loans. 
I am therefore requesting that the CFPB investigate this matter and take appropriate action against XXXX, TransUnion & XXXX for their failure to comply with the FCRA and 15 USC 1681i. I believe that XXXX, TransUnion & XXXX actions have violated my rights as a consumer and have caused me significant harm. I am also requesting that XXXX, TransUnion & XXXX delete the inaccurate accounts on my credit report and take steps to ensure that this does not happen to other consumers in the future. I have evidence once again provided below with the violations and inaccurate reporting that XXXX, TransUnion & XXXX still chooses to report and a complaint filed with the XXXX  against them. Accounts as follows XXXX XXXX XXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX. These accounts ar earill repeoting In violation and not marked as disputes nor have some of the accounts been updated with the present date when experian said the accounts have been verified and updated
Consumer complaint received 2020-06-23
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. (FL)

I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX
Consumer complaint received 2021-10-27
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: CITIBANK, N.A. (FL)

I paid {$3500.00} to XXXX XXXX to provided website activity to sell books on XXXX. Was shown a XXXX video presentation how to sell books online " Business and cost '' I was told I would get support, and 2 software to access for XXXX sales ( arbitrage ) and trades and no further cost involved to start the business except for buying books. After accessing member area stipulations are different, must follow training for 1st 30 days, training videos are outdated from 2017, mentoring cost, other vendors fees, plus their offer refund policy 90 days double money back guarantee with weekly purchased of 4 books per week. After 6th day of watching outdated training videos, I wrote to ( XXXX XXXX XXXX | XXXX - Support Team XXXX ) about the training videos, and i ask for a refund and XXXX said i can not get back any money he insisted to keep with program that i dont want to continue anymore this is very difficult to folowing, that's why i wan na may money back. it looks like a scam to me, then is not responding any emails. I just want they refund the money. I contacted my credid card ( best buy city bank ) but they say i canceled it too late, but this is whog because i did cancel after 6 day, i called citi bank again they dont want to deal with this. 
Please help me, there is others with the same situation, this book trade company dont care about it. there is lots of complaints on XXXX XXXX XXXX 
than you!
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX 180 days has passed i still cant get my funds please restore my account so that i can withdraw my funds.
Consumer complaint received 2020-05-21
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. (TX)

Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX-XXXX.

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed.

Account Number : XXXX Account Number : XXXX
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (TX)

The name of the collection agency is XXXX XXXX XXXX XXXX ( XXXX ). 
The dept is from XXXX XXXX according to them, I did attended the hospital in XXXX But not the date that the collection gave, I was not seen by a doctor, I did perform XXXX  and drip was given to me by a nurse, and final bill was sent to me and I paid it in full. XXXX XXXX is a fraudulent collection agent, for the following reasons, when I saw the report on my credit report, without account number and I did demanded for the details and they collected my SSN, date of birth and recorded it, I do asked them for the number of the original debtor but it was withheld from me, I called the hospital to request for the details and no details was produced or found. 
This fraudulent act caused me a new job that I got, due to financial delinquencies. I need it removed and deleted from my account without a trace. 
Thanks XXXX XXXX
Consumer complaint received 2023-02-25
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. (MI)

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 U.C.S 1681. 

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 instruction.

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 1681c-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 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (OR)

I purchased a new XXXXXX/XX/XXXXXXXX XXXX at XXXX XXXX XXXX Oregon location with my spouse in the month of XXXX, XXXX. At as the time of purchased we legally signed a contract that stated customer Acknowledgement letter XXXX No Payment for up to 5 months .This is interpreted to Hyundai finance deferring my payment for 3 months, No Payment for 3 months, and Hyundais finance going to credit and pay car finance account up to {$1.00}, XXXX. The {$1000.00} would cover the car payment for the duration of XXXX subsequent months. The contract is for 72 months at the rate of {$480.00}. So technically, we not suppose to make any car payment until the month of XXXX. 

As at today, XX/XX/XXXX my account is still showing outstanding payment, which prove that Hyundai finance are not holding to their part agreement and signed contract. The payment due date is XX/XX/XXXX. I have contacted hyundai finance and XXXX XXXX dealership several times, while they keep pushing me around with different excuses at every single time. 

I would appreciate if this is throughly investigated and adequately ask Hyundai finance to hold to the end of their proposed deal. This have caused emotional trauma for me and my spouse.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

When my mortgage was transferred to PHH from Ocwen, I had problems getting their website to accept payments and I missed a couple. I then contacted the company to request a modification as 7.5 % is too high. With the previous mortgage company, I had paid XXXX in additional principal, and had never missed a payment. The mortgage number is XXXX. 

Anyhow, this modification dragged on, and I just called to see if I could make some payments and they said that they removed the modification and moved this into foreclosure. This is something that should never happen. 

I would like for them to give me relief, as my business has had issues due to the COVID-19 emergency, but I do have the means to keep these payments current. 

Thanks! 
XXXX XXXX
Consumer complaint received 2020-05-21
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Hello Subject property, Loan # XXXX XXXX XXXX XXXX XXXX, XXXX Arizona XXXX This home is and always has been a rental property. 
The current loan is serviced through .Specialized loan servicing ever since the loan was sold by XXXX XXXX XXXX 
With the current Pandemic and the current tenants having trouble making there payment. I thought I better contact Specialized to review my options. This loan is a non Government backed loan. I asked who owned the note and was informed specialized would not tell me without a written letter. 
A letter was sent to the address was sent to specialized on XX/XX/2020 asking who owns the note received a letter saying Specialized had received my letter on XX/XX/2020 As of XXXX I have no idea who owns my note and am asking you to assist me in getting this question answered If Specialized keeps withholding information that I am entitled to. I would like to see you fine them. At that point I shall seek a legal remedy.