davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX BANK : Account number XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-07-11
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) 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 an 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 item 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan.

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle.

Thank you for your attention to this matter.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 2023-07-09
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX { Date } XX/XX/XXXX RE : Investigation Request/inaccurate information correction. 

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately. 

XXXX XXXX XXXX  with account number XXXX This account is listed as being 60 days late. I have never been late on this account. 
Please Correct this immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this I request that you correct this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this inaccurate information be immediately removed and made up to date from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old. 

Truly, XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

I opened a XXXX XXXX XXXX ( Comenity Capital ) for XXXX. I was talked into opening an account and was told I would not be charged interest until 6 months after I opened my account if my balance was not paid off. I opened my account XX/XX/XXXX  with a balance of XXXX. I didnt receive a XXXX statement and the XXXX statement did not have interest. My XXXX statement had interest charges of {$23.00}. XXXX interest charges are XXXX and XXXX is {$17.00}. On XX/XX/XXXX I sent a message inquiring about the interested charges. I have a letter from the credit card company saying that my account is currently subjected to special terms which my account is not. I spoke with a customer services representative, who then transferred me to a supervisor who stated they could not do anything for me. They can not refund the interested rate because they are the credit card company not the merchant. THIS IS FALSE ADVERTISEMENT. The only reason I signed up for the account is because I was told that it would be 6 months interest free.
Consumer complaint received 2024-11-15
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)

Recently I reviewed my credit report and noticed incorrect and inaccurate information causing tremendous damage to my credit file. Ive also noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ).
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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.

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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2015-11-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

CHASE took over servicing my mortgage loan from XXXX in XXXX 2015. I originally set up the drafting of my payment for the XXXX of the month when I refinanced with XXXX, authorized by me on XXXX of XXXX 's loan closing papers. There were no problems with XXXX servicing of my loan. When CHASE took over in XXXX 2015, it drafted my payment on the XXXX of XXXX and XXXX ; and, according to CHASE, this was done based on XXXX records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at XXXX account record of drafts. I believe that XXXX is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the XXXX or thereafter, it would draft it on the XXXX of the month - which would not be get to my bank to be deducted until no earlier than the XXXX. CHASE is not a " secondary bank '' and when it drafts the funds on the XXXX ; it is taken from my account on the XXXX, same day. This is significant because my pension hits on the XXXX of every month ; and, the funds to make the mortgage payment are not in my account until then - so it bounced the last two months. CHASE admitted it is not looking at the document ( actual or copy ) that I executed ; only XXXX account history. I have spent many hours on the phone with CHASE and XXXX XXXX ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in XXXX and XXXX ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from XXXX. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and XXXX XXXX have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than XXXX people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; XXXX and CHASE did and I am paying the price. Please help! 
P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing XXXX mortgages.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act DPT EDXXXX 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Subject : Request for Investigation and Correction of Discrepancies on My Consumer Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported " late payments '' on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request an urgent rectification. 

Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. 

The accounts for which I have been erroneously marked as late are as follows : Kikoff Lending LLC : XXXX Paid as Agreed I have requested that the Consumer Financial Protection Bureau ( CFPB ) carry out an in-depth investigation of these issues. I would appreciate it if you could provide me with detailed statements that validate these supposed late payments. 

Should you not be able to furnish substantial proof of these late payments, I hereby request in compliance with FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status - " on time ''. This is imperative as I have never, to my knowledge, been late on these accounts. 

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$100.00}
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NC)

I bank with Rushcard! I have yet to receive my direct deposit from XX/XX/2015! Its supposedly due to a glitch in the system due to a glitch! I need my money I worked hard for! My bills are yet to be paid! I ca n't keep putting them off till Rushcard decides to give me my money! Please help!
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

XXXX is playing games with my report. 

I have wrong information as address showing incorrect phone numbers. 

My credit score has drop for some reason and I have not being late or purchase anything. 

Stop acting like you don't no my address or my real name. 

You update my car payment and credit cards and mortgage each month so why must we play these games.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

It started in XX/XX/XXXX they called and said they could consolidate loans so i wouldn't have to deal with how long it takes. I haven't clicked accept terms and conditions either. spoke with us dept ed and they said it was a scam and to procede with the investigation XX/XX/XXXX. They took {$160.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX this was fees to get a consolidation, but they never disclosed I could do thru government and student loan sites that are associated with the government for free in 30 min. They also said I have to set auto pay for XXXX $ every month for the service. I have called bank to block them from being able to scam me anymore. I was told they have to legally tell you its free. I did get loans consolidated with payment of XXXX $ or XXXX , but This is wrong to take advantage of someone who has XXXX in debt they have no idea. then they gave me a bogus servicer and they didn't have loans for me. called and they said it is through XXXX which it is. I asked for proof of me say yes on the phone recording of them saying he could do for free, and she hung up and said it takes weeks to do, but I know for a fact that is a lie, I did mine through us dept ed and no fees. What can I do? I want fedloan as servicer but not associated with XXXX. ALSO they told me never to go through my new servicer to call them and they handle everything only to XXXX it up. They had their phone numbers on studentloans.gov and on my servicer XXXX also i said city blue springs mo and they put XXXX   XXXX. I have yet to get anything from my servicer regarding payments. Please help or my lawyer will handle it and I spoke to my bank and am filing fraud and so they cant get any more money that I could give to my servicer and i have no signed documents.
Consumer complaint received 2023-07-11
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. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-09
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.