davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (TN)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-12-19
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. (SC)

A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over XXXX ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HireRight Solutions, Inc. (VA)

I emailed them XXXX XXXX XXXX  and I have not heard a response. They have reveled details that were never mentioned before hand for example they posted this text after I had uploaded requested documents regarding my BACKROUND : When sending documentation to help verify your former employment please be sure to redact all sensitive personal information ( such as your date of birth, national identification numbers, salary, and other compensation information ). Failure to redact or remove your compensation history will result in your submitted employment verification documents being provided to your background 's requestor as is, including as applicable any compensation history contained within your documents The problem is when you initially upload these document it was never made aware to me until afterwards when they requested more documents but this time the information was only on the email they sent but not on their website. I am asking they delete my documents since thats not an option on my end.
Consumer complaint received 2022-10-31
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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
Consumer complaint received 2023-12-19
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (GA)

The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$190000.00}
Consumer complaint received 2022-10-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

This complaint is a regards to pennymac. I just want to make sure everything is being complied the right way. On Friday XX/XX/XXXX phone call was made to penny Mac. Advising them that I was approved for the homeowner assistance fund HAF. I only contacted them, knowing a lot of complaints I heard with people who does have the penny Mac mortgage and who was approved for the fun what trouble they was experiencing. So I just wanted all the information to be noted in the account. So once I got myself verified I had my husband speak on my behalf. The representative gave my husband a hard time period stating that they don't believe that I got approve for this fund. Discouraging my husband and me, that they said the state don't depend on the state by sending any funds over. Is that they not reliable. That we still must continue making our payments regardless. The rep No compassional empathy on the situation. Acting like I wasn't gon na get this fund. That is a long process and I might not get approved for this fund. It was explained to her from the start, that we already got the award letter and got approved. That they was paying past and future payments. I just wanted her to put in a notes, when they get the XXXX  the money from the fund That it gets applied to the payments and not the Principal. The rep said that can not be done. It was told that if it goes to the principal we have to see if it gets approved to move its to payments. That I found was ridiculous. If this post was pay all the payments back and post the pay my future payments for the next 6 months why can't it be apply to my payments. I only filed this complaint due to what the representative has stated. It made it seem like they are not gon na comply and put the money towards the payments.
Consumer complaint received 2024-02-01
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. (CA)

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 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC. (PA)

I applied for a loan at XXXX XXXX on XX/XX/XXXX for the purchase of a new XXXX XXXX XXXX. The advertised rate on the loan was 4.9 % for 84 months. 

When I received the approval back from Chrysler Capital, they only would allow the 4.9 % rate for 72 months. I reached out to several representatives from the company and they gave me the excuse that they are only an " indirect lender '' and that all decisions are made by the dealer. 

It is important to note that I was also shopping for a XXXX XXXX, and XXXX XXXX XXXX approved me for 4.9 % for 84 months. I explained this to Chrysler Capital when they tried to tell me that the approvals are based on several factors including " creditworthiness ''. It is important to note that I did report Chrysler Capital on a previous occasion for similar deceptive practices. I filed report # XXXX on XX/XX/XXXX with the CFPB. 

It is also important to note that because of their refusal to provide financing at the advertised rate, I needed to secure financing through my local credit union. As a result, the price I was required to pay for the vehicle was {$2000.00} higher because of missed rebates.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (PA)

Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681. 
You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : XXXX XXXX Status : Charge Off Balance : {$1600.00XXXX XXXX XXXX XXXX  Status : Charge Off Balance : {$0.00XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Charge Off Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Charge Off Balance : {$0.00} {$540.00} XXXX XXXX XXXX Status : Charge Off Balance : {$0.00} XXXX XXXX XXXX  Status : Charge Off Balance : {$0.00} According to IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.
Consumer complaint received 2022-10-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In accordance with the fair credit reporting act, the creditor has violated my rights. Under 15USC 1681 section 602 states that I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-31
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. (TX)

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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2017-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Citibank charged me interest of {$0.00} on a balance of {$0.00} XXXX XXXX/XXXX/XXXX statement ). This is a monthly rate of interest of 100 % XXXX 1,200 % annually XXXX. This was the " minimum interest charge '' they claim they are allowed to charge, but this should be illegal.
Consumer complaint received 2022-10-31
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. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this letter reaches you promptly. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. 
I discovered unauthorized transactions on my account and immediately reported the fraudulent activity to your customer service department. While I appreciate the initial steps taken to address the matter, I am distressed to inform you that the fraudulent items have not been adequately removed from my account. 

Despite providing all the necessary information and documentation as requested, the issue persists, causing significant distress and inconvenience. I am increasingly alarmed by the lack of progress in resolving this matter and the potential impact on my financial well-being. 

I urgently request your immediate attention to this issue and a thorough investigation into the reasons for the delay in removing the fraudulent items. I insist on a swift resolution to rectify the unauthorized charges and restore the full amount to my account. 

Furthermore, I seek transparent communication on the steps being taken to resolve this matter, as well as concrete assurances that my account will be safeguarded against any future unauthorized access. 

This situation has caused me significant stress and frustration, and I trust that your company will take the necessary actions to rectify the issue promptly. Failing a satisfactory resolution, I may have no choice but to escalate this matter to relevant regulatory authorities. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$5200.00} XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Checkr, Inc (FL)

On XX/XX/2022 XXXX XXXX XXXXXXXX XXXX did a background check on me and it is showing on my background check license type : passenger, but I am the driver for this vehicle. I would like this to get resolved ASAP. This is regarding possible employment. Thank you.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (UT)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-01-31
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. (LA)

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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.