davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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)

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I discovered several unauthorized inquiries that are damaging my credit standing and could significantly harm my financial reputation. 
I have already reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and have enclosed a copy of the report for your reference. Despite this, these inquiries are still being reported by your bureau, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. Additionally, I ask for written confirmation once these inquiries have been removed. 
XXXXXXXX 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 XXXXXXXX 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 2024-07-22
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
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)

15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete.15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identify theft Instruction : as a consumer by law this account must be deleted immediately this account is inaccurate or pay fine of {$1000.00} per violaition none of the accounts or inquiries attached are mine - please removed this. this is affecting me and i have a XXXX XXXX and dont deserve for my credit to be reporting incorrectly.
Consumer complaint received 2024-07-11
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. (KY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (CA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> 2023
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Consumer Portfolio Services, Inc. (VA)

Consumer Portfolio Services is reporting as a collection on my credit report. I spoke to a rep named Ms. XXXX on XX/XX/19 and she said my account is in collections and my account isn't even charged off or past due 30 days. Also I filed a recent report complaint # XXXX and Consumer Portfolio Services said they did a cease and desist on my account but I received another phone call from them today. Nothing is being done on the company 's end so I think I will seek legal counsel for further assistance because thyr have clearly violated FDCPA several times and no one is doing anything about the situation.
Consumer complaint received 2024-07-10
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-07-09
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-09
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-09
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 2024-07-09
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. (FL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (CA)

I filed for XXXX  on XXXX. I was advised by my lawyer beforehand to stop paying on any of my debts. Lendingpoint even took {$200.00} again from me for a payment that I had to try to get back but was denied. Despite this, they were included in my XXXX  and I received my discharge in XXXX of 2024. They were included, and I noticed that it still showed as open on my credit report so I tried to dispute it and now they are reporting it as a charge off when it should be showing as paid and closed due to XXXX.
Consumer complaint received 2024-08-08
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)

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
Please remove all the negative items update XXXX XXXX XXXX XXXX XXXX XXXX XXXX to never late please remove all inquiries Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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. (GA)

In accordance with the Fair Credit Reporting act, this creditor has violated my rights.

I am writing to dispute inaccuracies on my credit report and to address a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

-Privacy Violation under 15 USC 1681 : Section 602 of the FCRA guarantees my right to privacy concerning my credit information. I have not given written authorization for any entity to access or report my credit information. 

-Violation of Written Consent Requirement under 15 USC 1681b ( a ) ( 2 ) : This section of the FCRA stipulates that a consumer reporting agency can not furnish a consumer 's credit report without my written consent. I have not provided any such consent for the furnishing or obtaining of my credit information.

-Unfair Treatment of Payments under 15 USC 1666b : This section of the FCRA prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It appears that my account may have been inaccurately reported as being late, which is a direct violation of this provision.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year>, a landlord wrongfully retained a security deposit after denying a rental application. The applicant had provided the security deposit as part of the application process. However, after the application was denied, the landlord failed to return the deposit. This action was not in accordance with legal requirements, which typically mandate that security deposits must be refunded if the application is rejected. The situation represents a breach of the tenant 's rights, potentially leading to legal consequences for the landlord. 

Date of inquiry : XX/XX/year> Claim number : XXXX Card ending in : XXXX Claim related to account ending in : XXXX
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

I am and have been an Amazon Prime Member for several years. In early XXXX I was sent a solicitation for an Amazon Chase Credit Card which offered reward features that I liked and so I submitted the application. The application of course offered the card to family members so I requested a card for my wife also. In my XX/XX/XXXX bill I saw the charge of {$140.00} for Prime Membership so thought nothing of it since I was a Prime Member and the charge on this card came with cash back rewards. Six months later, on my XX/XX/XXXX bill came a similar charge, {$140.00} for Prime Membership. I'm embarrassed to admit that at the time it did not register to me that I had the same charge just 6 months earlier. It was only yesterday, XX/XX/XXXX, that my wife and I realized that we were both being charged for a Prime Membership even though we are in the same household and related. My wife never applied for her own Prime Membership. We contacted Amazon yesterday and they agreed to cancel and refund the XX/XX/XXXX billing of XXXX. It seems suspicious that we were double billed and exactly 6 months apart so discovering the double-billing is difficult. It seems we should be refunded the XX/XX/XXXX and XX/XX/XXXX charges of {$140.00} as well but Amazon-Chase don't tell us how to go about requesting this.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION (NC)

My mortgage is with Truist Bank. I requested the PMI to be removed from my mortgage as I am entitled to do. I paid around {$500.00} through Truist for an appraiser/BPO in order to evaluate my property. I received an email that my XXXX had been reduced but they wouldnt tell me how low. Then I receive a denial letter and the appraisal in the mail. However, the appraisal was 100 % blank. Not data at all. So I received a denial but not justification. I then wrote a letter alerting them that it was blank and I requested a copy of the full appraisal/BPO and for them to reconsider their denial. I also noted that there was a house XXXX doors down that sold which, had they taken that price into consideration, I would no longer have PMI. That was several months ago and I havent heard anything from Truist. They get an additional {$180.00} a month from me in PMI so they have XXXX incentive to drop my PMI. I feel like they are fraudulently keeping PMI on and ignoring my request to have a copy of the appraisal I paid for along with fraudulently ignoring a comp XXXX doors down.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MO)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-07-05
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. (TN)

-- -- -- -- -- -- -- -- 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 informationisinaccurate.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (FL)

On XX/XX/year> I purchased a car from Honda of XXXX and signed a contract for XXXX XXXX financing. When I set up my account on their financing website it indicated XXXX XXXX financing so I reached out to the finance company who referred me to the dealer- they told me the dealer had to submit new paperwork to correct the error. I reached out to the dealer by telephone multiple time and was unsuccessful on getting a response so on XX/XX/XXXX I walked into the dealership and spoke to the General Manager XXXX XXXX. He told me we was aware of the situation and was working it out. He was going to have his new finance manage reach out to me with a solution. You see, the original finance manager XXXX XXXX did not get permission to give me a lower rate prior to doing so and after I left he changed the document and resubmitted it to the finance company ( finance company provided me with the second contract ). I was contacted by XXXX XXXX ( new finance manager ) as XXXX was fired, to come to an agreement on how to settle the matter. He provided me a copy of The Flat Cancel request Form that he signed on XX/XX/year> cancelling the agreement that XXXX filed. He indicated that because they couldn't submit the original contract at the XXXX XXXX as it wasn't approved they would refund me the difference in money that would be paid on the loan - taking it off the top of the note plus additional funds for the aggravation I was put through. I agreed with these terms and signed a new contract on XX/XX/year>. It is now XX/XX/XXXX, and while I have a new contract it is not reflected on the financial website. In fact it is showing a missed payment on the first loan as it has gone passed the due date. When I reached out on XX/XX/XXXX to the finance company to explain the issue she tried to reach the dealer but they did not answer, so she left them a message to return a call to me, they did not. I called again on the XXXX of XXXX and was promised a return call and did not receive one. I email the XXXX with no response. To say I am beyond frustrated can not express my feelings enough. I tried to do this the right way and now I don't know what to do next.