davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (PA)

After receiving response that my account/debt was verified. I sent in a XXXX  letter on XX/XX/XXXX  to all 3 credit reporting agencies regarding account XXXX XXXX XXXX ( XXXX ) XXXX based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who they spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the XXXX dispute letter.. This is a violation of the FCRA. Also this creditor is in violation of 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Consumer complaint received 2023-11-22
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. (NY)

XXXX XXXX XXXX XXXX has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. XXXX XXXX has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE XXXX principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX  XXXX bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX thats attached to the VIN # and they have not made one single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX nothing, they owe me and I am going to file the taxes on this XXXX. I will be puttingin a XXXX report for a full forensic audit on this account.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-04
Product: Credit 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: Paypal Holdings, Inc (NJ)

I have contacted with PayPal, which was the payment system for this purchase, relating the XXXXXXXX XXXX XXXX before this card was closed. 

I have ordered this item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The purchase was transacted on XX/XX/XXXX and XXXX XXXX stated the product was delivered on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, instead of my address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to contact with the seller 3 days ago, and the seller stated " Hi, I contacted the post office and this package should have been an accidental mistake on their part, I can arrange for it to be re-mailed to you, thank you! '' I have contacted again to know the proceedings, however, I did not receive any information from the seller, so far. Therefore, I ask the refund from the seller.
Consumer complaint received 2023-11-24
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All have inaccurate information and I submitted a dispute over 30 days ago, information came back verified and it has been 30 days since I asked for proof of verification and still have not heard anything.
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I wrote to the CRAs for almost 6-7 months to explain to me how these accounts were verified after me showing them that ; They are reporting inaccurately, some of the accounts are outdated and should have been removed due to the time frame and some of these accounts I have never owned! 
XXXX XXXX XXXX XXXX XXXX XXXX ( almost 11 years old should have been removed and stopped reporting ; 5 times its reporting as different accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( as a different number in front of account )
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

I was offered a promo to switch credit card ending in XXXX to XXXX XXXXXXXX XXXX and get XXXX miles After not getting the miles promo I contacted customer service and they said rep made a mistake and shouldnt have offered that promo Thats misleading thats breaking advertising laws and I want what I was promissed
Consumer complaint received 2024-01-05
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 just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

I have found several complaints several disputes rebuttal with chime Bank in regards to a dispute totaling an amount of {$290.00} I have provided them all of the documentation they have asked for and they keep denying and their basis is unfounded so I've been asking them to just give me my refund {$290.00} and close my account it is very frustrating and it's the holidays and I just want my money
Consumer complaint received 2023-11-24
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I have good credit fie with no charge offs or derogatory. I was listed as additional cardholder with Capital One on another individual 's Capital One credit card account. Capital One, when calling in did, and currently do, read a disclosure statement as an additional cardholder. The disclosure from Capital One, reads, I will not be personally responsible for the card. When applying for credit, other credit card companies advise me the credit card is not approved because negative Capital One account being perceived and judged by credit providers as my bad credit and responsibility for. After disclosing to credit card company providers, I don't have or hold a Capital One account, its another individual 's action and unfairness to me, in impacting and reporting on my credit causing perceived responsibility and defiantly NEGATIVE, the credit providers are disclosing its on your credit file as a large negative and impacting your ability to get credit until " i remove it '' or I pay it and this makes me responsible. Because I now need to appeal to remove it, its become something I am responsible for and that conflicts with Capital One disclosures too. This raises questions of fairness and morality too, me as a separate individual and nn account holder of Capital One. As NO other credit card provider i was additional cardholder for is reporting negative on my credit file, only Capital One. I am now in position to be responsible for removing the credit card, from my individual reporting, and because of this my credit worthiness is being impeded. I request it to be removed by Capital One from my credit file. My overall credit usage is {$3300.00} and at the time of filing this I only had 10 % credit utilization making me a good credit candidate, but for Capital One 's negative reporting on my file, for another individuals action.
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I am writing to express my ongoing concern and to seek resolution regarding the mobile deposit issue that I previously reported. Despite the closure of the case on your end, the issue remains unresolved from my perspective. 

In an earlier complaint, I was advised to present the physical checks or contact the check maker to file a claim with their bank. However, I must reiterate that the physical checks are no longer in my possession, and the check maker was unable to file a claim with their bank for the funds. This puts me in a challenging position, as I am unable to follow the suggested steps. 

Given this predicament, I am seeking your assistance in understanding how I can recuperate the money that was deposited into my account ending in XXXX. This amount represents a significant sum, and its absence has caused considerable financial distress. 

I respect the bank 's policies and the necessity of security measures. However, I believe my situation warrants special consideration due to the unique circumstances. 

I kindly request a re-evaluation of my case and a clear pathway to resolve this issue. Your prompt attention to this matter would be greatly appreciated. 

Thank you for your understanding and assistance. I am looking forward to your response and a favorable resolution. 

Sincerely,
Consumer complaint received 2023-11-22
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. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-11-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (CA)

on XX/XX/XXXX at XXXX XXXX XXXX was awoken to a call from XXXX XXXX at One Main Financial claiming i owed {$4700.00}. She asked me to divulge my birthday and SSN but I would not comply. I quickly asked her to share the birthday that was onfile XX/XX/XXXX which is not my birthday. I asked her to verify the XXXX she had on file and she could not. I then asked her to spell the last name and she said XXXX. 

XXXX XXXX was deceptive and not forthright or forecoming in her communication in trying to collect a debt. I believe One Main Financial is operating outside of standard business practice and should be investigated. 

XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : The XXXX XXXX  : # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is in Reference to the following : XXXX XXXX XXXX XXXX XXXX in Transunion XXXX XXXX Confirmation Number : XXXX XXXX. Case Number : XXXX Although my previous filed complaints with Transunion and XXXX were still OPEN, since they have already sent me a correspondence about the results of their reinvestigation, I need to make a secondary complaints today because I am very dissatisfied with the result of their investigation with the said Creditor, Their information don't jive with each other. It seems that they fail to communicate with one another resulting in various interpretations on this one single item that they have furnished on my credit file.

I find it really unfair on my end because this is ruining my name and character as a consumer. My credit profile reflects my creditworthiness as a person and improper delivering of information may result in giving other creditors some negative perception by judging my credit capability.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Over 2 months fighting against to XXXX or XXXX credit account. 
By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload XXXX credit Bureaus report and there is showing XXXX different names and account numbers. By the Law, account must report at least XXXX digits or numbers in credit report which are missing, In XXXX and Transunion is showing me issuer name is XXXX and XXXX showing XXXX credit, I contacted XXXX credit and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXX credit, now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in XXXX. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY XXXX CREDIT REPORTS ....
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.