davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute an incorrect address that appears on my TransUnion credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file.

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter.

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file.

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-01
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. (GA)

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 Account Number : XXXX and 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

" 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 2022-10-27
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 (TN)

PayPal has changed its Terms of Service to include a {$2500.00} fine for posting a comment that they don't like or agree with ( a violation of my 1st amendment rights ) therefore I have been trying to close my account for the last three weeks. 

PayPal claims ignorance of its own TOS and can not close my account due to " pending transactions '' that I have already stopped. Also, they claim that they can not close my account due to a balance of {$0.00} in cryptocurrency.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (MA)

I keep getting denied checking accounts with banks because early warning systems has inaccurate information and wrong information on there and should be removed I have tried contacting them multiple times to dispute items on there that shouldnt be because they dont belong to me or are not my accounts that show negative history which is completely wrong and I want them removed its preventing me from opening a simple checking account so I can pay my bills and its very stressful when no one can contact me back or at least look into it its not fair and Im struggling trying to pay bills online without a bank account I have to use prepaid cards and its time consuming this isnt fair
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (GA)

I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. XXXX, experian, and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give XXXX and XXXX and experian a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC (CT)

i would like all this removed based off the laws below. 

15USC section 602 A states i have the right to privacy 15 USC section 604 A section 2 it also states a consumer reporting agency can not furnished account without my written instructions 15 1681 section c ( a ) ( 5 ) USC no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information other than the records of conviction of crimes which anedates the report by more than 7 years.

15USC 1681 s-2 9A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or as reasonable cause to believe that the information is accurate. 

Companies Springoakcap XXXX XXXX ins Comnwlthfin webbankavant ccredit coll credit coll creditonebank celtic/cont cb indigo bk of mo fist premer
Consumer complaint received 2024-10-30
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. (CA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$390.00}
Consumer complaint received 2022-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
This is not ethical for this company to violate my rights especially when we was in a state of emergency dealing with XXXX.
Consumer complaint received 2022-10-27
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. (NC)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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: Self Financial Inc. (DE)

On XX/XX/2022 I called SELF Inc. to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.
Consumer complaint received 2019-02-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (AZ)

We obtained a loan from XXXX XXXX XXXX  for the value of our SUV. The loan approved for was {$2500.00} while the value of our vehicle was {$5000.00}. This was a loan secured using our SUV. We fell behind a month on payments and the vehicle was taken by this company. The company has sold the vehicle and and received the full amount of the vehicles worth, collected monthly payments from us over {$1500.00} and will not list this account a paid and update the credit bureaus. They are not reporting this transaction to the credit bureaus as they should which is " paid in full ''.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HOME MORTGAGE CORPORATION (SC)

I bought my condo unit in XXXX, XXXX, making my first payment on XX/XX/XXXX. As a rule, I make all house payments one month in advance. That is why by the time I made the XX/XX/XXXX payment, I couldn't understand why I was receiving a notice that my XXXX, XXXX payment had not been made. I was to find out the Lender was not accepting my monthly mortgage checks due to a computer problem. I was told to stop payment on the XXXX thru XXXX, XXXX payments. XXXX XXXX, my Bank, checked everything out on my side and determined there were no problems. The computer problem was corrected in XXXX and I made a lump sump payment to cover the missing months. The problem is that, even though I had nothing to due to the problem, the Lender filed negative information against my credit report. They reported non payment of mortgage payments and " unknown information '' under 2 months. 
For the months from then to now I requested correction of all the negative information, but they refused stating, " I send them documentation showing payments were made in a timely manner and a copy of the unbridged credit report ''. They were given all this information when I paid the lump sum payment. The Qualified Written Request from XX/XX/XXXX was answered by saying they had already furnished an answer. I was told RESPA did not apply when I gave them the offending sections. 
On XX/XX/XXXX, XXXX called ( XXXX x XXXX ) and left a message stating all the credit problems and negative comments had been resolved and were no longer on my credit report. I accessed that information and noting had changed. I called XXXX and left a message that I needed the documentation to show my records were clear, but she never called back nor did I get the information. I am still in the same negative position I was in XXXX. I advised them that I bought a car in XXXX and I was turned down from 3 lenders and the interest rate I was forced to pay due to their malfeasance cause my monthly car payments to be exorbidant. 
I have spent untold hours of work trying to get this straightned out, but the Lender contimues to igorne me to my deteriment.
Consumer complaint received 2022-10-26
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 contacted Experian, XXXX, and XXXX authorities about the potential opening of fraudulent accounts using my personal data on XX/XX/XXXX. Since I didn't know how they got there, I pleaded with everyone to delete these accounts. I received guidance from all three businesses on how to keep track of things and complete an FTC form. On XX/XX/XXXX, I submitted my information. The accounts that weren't mine were still shown in my documentation because they had been " verified, '' even though I had written my letters more than 30 days before. Since it prevents my family and I from buying a home, this issue terrifies and concerns me. I contacted the XXXX companies once more on XX/XX/XXXX to ask how they could confirm that these accounts belonged to me. Since they were unable to help me further, they encouraged me to get in touch with the debt collectors directly. The client contacted all the banks incorrectly and left messages with them ; they had no idea who I was or what the accounts were about. To be sure I hadn't made a mistake, I looked on the internet. I was advised by my pals to visit the CFPB website. Because my family and I are anxious to get the home we've been looking for, I'm optimistic that this will be successful.
Consumer complaint received 2024-01-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

Received an Amex Gift Card for {$50.00} on XX/XX/XXXX XXXX XXXX I tried to use the gift card today at gas stations, grocery stores, online retailers, but it was declined every time. I also tried to transfer the gift card to XXXX but it was declined. I tried using the Amex gift card to reload money to my XXXX gift card but that was also declined. I called Amex and was told the card was active, and the card was also worth {$49.00} because some of the transactions I tried took ten cents off the total value of the card because of the denial.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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, unles
s 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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I was sent an email from Chime saying my new checking card is on its way. Ive never signed up and the address they sent the card was an old address i havent lived in for over 2 years. I do have an identity protection and not sure how Chime by pass the verification of my XXXX alert and pause of my social. Chime support is extremely unhelpful and require hoops after hoop to even get to the correct person.
Consumer complaint received 2024-01-01
Product: Credit reporting 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. (NY)

Transunion, After carefully reviewing my credit report, I cant understand why all of this unauthorized inquires & account that are reporting on my credit report. Please remove all and delete. 

1. Inquires : XXXX XXXX XXXX  : DATE : XX/XX/2023 Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX : XXXX Delete inaccurate inquiry which I didnt give permission. 
XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete inaccurate inquiry which I didnt give permission. 


2. Account : XXXX XXXX # XXXX - Delete inaccurate information which is not my account. 
XXXX XXXXXXXX # XXXX Delete inaccurate inquiry which I didnt give permission. 

XXXX XXXX XXXX XXXX XXXX Delete inaccurate inquiry which I didnt give permission.
Consumer complaint received 2023-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX been sending paperwokr since then ALL UNEMPLOYMENT, ONLY HER XXXX CARD UNEMPLOYMENT IN CA AND SHOWED TRANSACTION HISTORY! XXXX, NO INCOME BROTHER STOLE MY ID AND SS! SEND PROOF AND STILL SPS KEEPS ASKING FOR BANK STATEMENTS! ARE NONE DUE TO FRAUD! THIS IS THE MOST UN-ETHICAL BANK SEE PROOF!!!!!!!!!!!! SEND UNEMPLOYMENT SHOWING A YEAR! QUALIFY FOR UNEMPLOYMENT BUT SPS STILL ASKING FOR BANK STATEMENTS ALL CLOSED DUE TO FRAUD! AND SOMEONE LIKE MIKES BROTHER XXXX XXXX IS TRYING TO ACCESS ACCOUNT ALL POA HAS BEEN SENT! XXXX CONTROLS IT ALL SINCE XXXX IS XXXX, AND XXXX UNSTABLE
Consumer complaint received 2022-10-27
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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an " invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. Account XXXX XXXX : # XXXX Account XXXX XXXXXXXX XXXX # XXXX. They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.