davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is 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 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 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: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-10-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ID)

I reached out on XX/XX/2023 to see what was going on. The only information I was provided was that I had a payment due on XX/XX/2023 for a card opened in XXXX. This information was all that was made available to me. This card was opened under the assumption and explanation that it had it's lump sum amount due 6 months after being charged, and that no payments were due in between. If the card was not paid in full at the 6 month period, all interest was charged retroactively. This is for a Care Credit card. The information was poorly veiled and made to ensure late fees were charged throughout the course of the promotional period.
Consumer complaint received 2023-09-15
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2023-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PNC Bank N.A. (MD)

Why are alleged employees from PNC are reaching out to another phone number that was NOT provided to them to contact me on? How did XXXX and XXXX obtain the number XXXX when that is not a number that was provided to PNC? They have been calling this number continuously all week in regards to my PNC mortgage account. I currently have a pending application to receive financial assistance from my state to assist with the past due mortgage payments and someone by the name of XXXX XXXX XXXX XXXX ( office ) has reached out to PNCs mortgage servicer to obtain the balance that is owed. Why is PNC contacting a phone number that was not provided to them when obtaining assistance is in the works? Delete that XXXX number from your listing because I have no idea how the XXXX you guys got that phone number and if you make any attempts to call any number that was not provided to you, Im suing for privacy invasion.
Consumer complaint received 2024-08-28
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. (FL)

On XX/XX/XXXX, upon reviewing a copy of my credit report, I see entry listings for charge-offs in the amounts {$4200.00} ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX As per IRS publication XXXX section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (PA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report Immediately.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

We received a call from MCM ( XXXX ) at XXXX on XX/XX/2020. The operator asked for a " XXXX XXXX ''. The operator was informed that this matter is a personal matter for this person and they will need to be reached on a personal line and we ask, again, to stop calling This same individual called the day prior XX/XX/2020 and was told the same thing. The operator even notated that she called the day prior and was told the same thing
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc (FL)

I called and spoke with rep with Chime on XXXX regarding an account closure that had funds of XXXX XXXX inside upon being closed. I was advised by the rep that since there was money in the account upon closure that after 30 days Chime 's process is to return the funds to the account holder or government if the account holder couldn't be identified. I provided my correct email along with verification of my identity to Chime as requested only to get the run around through Chime 's email and phone support team. Chime continue to not give an answer or status to me of when the funds of XXXX XXXX will be mailed to me as its been over 30 days. Account closure was on XX/XX/2023 it's now XX/XX/2023 and still no funds being mailed to me.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called trans union about my 12 inquiries multiple times because i was a victim of trans union inquiry issue for months and issue was never solved i submitted letters as well trans union keeps denying and wont remove them im coming to the cfpb for your help to fix this problem I need these following inquiries removed from my trans union report XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXXE ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX  XXXX- XXXX ( Auto ) XXXX XXXX XXXX Bank ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( Rank ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX $
Consumer complaint received 2024-09-07
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. (MI)

XXXX XXXX-Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX-Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXXInquiry : XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX The aforementioned inquiries I do not recognize they are FRAUDULENT and they are hindering my ability to obtain credit
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I am reporting this as an open account, which is not under FCRA compliance. This is inaccurate reporting on my credit report. 

XXXX XXXX  reported XX/XX/XXXX debt {$330.00}. I spoke with manager and there is no debt I owe! This is a violation of the fair credit reporting act. 

XXXX XXXX reported XX/XX/XXXX for a payment of {$220.00}, this is also in violation of the fair credit reporting act XXXX XXXX reported XX/XX/XXXX th XXXX, I am unaware of this company and it is violation of the fair credit reporting act
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

My wife ordered a dress from XXXX XXXX ( XXXX ) in XX/XX/XXXX for {$2800.00}. When the shipment arrived at our home it was not the dress we ordered. We requested a return authorization from XXXX which was granted, and the incorrect dress was returned to them. When received, the XXXX receiving department determined the dress was not the dress which was ordered and sent it back to us again. We contacted XXXX numerous times but they would not accept the dress they shipped in error back for credit because it was not the dress ordered and billed. Thus, we were being forced to accept merchandise which we did not order nor want. 
We filed a dispute with Citibank, the credit card issuer in late XX/XX/XXXX. Citi sent us an undated letter, to a XXXX, FL ( not Illinois where we live ) address which is attached as Reference ( Ref ) A. This letter stated Citi had received a response from XXXX, and gave us until XXXX XXXX to address XXXXs response. Since the undated letter was sent to the wrong address, we never received it and didnt see it until we received it later electronically. Most importantly, however, we never saw, AND TO THIS DATE STLL HAVENT SEEN the NM response. We have made in numerable telephone calls and written communication with Citi attempting to resolve this issue, to no avail. We finally wrote a letter to the Citi XXXX XXXX XX/XX/XXXX. Citis response-attached as XXXX XXXX  simply states they cant help, with no explanation as to why. And Citi still hasnt provided us with the XXXX  response.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation (MI)

To Whom It May Concern : I am filing this complaint against Bridgecrest regarding what I believe to be XXXX lending practices and their threats of repossession of my vehicle. I purchased a vehicle through XXXX, and despite the cars current market value being only XXXX, they claim that I owe a balance of XXXX. Key Issues : XXXX. Inflated Loan Balance : The outstanding balance of XXXX is significantly higher than the vehicles current value of XXXX. This suggests predatory lending practices, including inflated fees or unreasonable interest rates. XXXX. Failure to Provide Documentation : I have requested, XXXX  times, that Bridgecrest provide me with the general ledger and chain of title documentation and original contract to verify their standing to collect on this debt and their right to repossess the vehicle. They have refused to provide this information. This raises concerns about their authority and transparency in handling my loan. XXXX. Threats of XXXX : Bridgecrest has threatened to repossess my vehicle despite my good faith attempts to clarify the terms of the loan and resolve this issue. The lack of transparency and refusal to provide proper documentation undermines their standing to enforce repossession. Resolution Sought : I request that Bridgecrest be required to provide me with a detailed general ledger showing how the XXXX balance was calculated, including all fees, interest, and payments made to date. I request that they provide the chain of title and legal documentation demonstrating their standing to collect this debt and proceed with repossession. I ask that any collection or repossession efforts be suspended until this documentation is provided and the matter is thoroughly reviewed for predatory lending practices. I am seeking XXXX assistance to investigate these concerns and ensure that Bridgecrest is complying with fair lending laws and acting in good faith in their collection practices. Thank you for your attention to this matter. I look forward to your prompt assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX EXPERIAN 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, unless 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. 


XXXX EXPERIAN 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 2024-08-28
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.