davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX  have been XXXX  online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-20
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: VW Credit, Inc (FL)

My daughter had been making the payments since XX/XX/year> and we also lived together. She has XXXX ( XXXX ) children as well. I didn't see her car on XX/XX/XXXX and asked where she parked her car on the street. This is when she and I discovered her vehicle had been towed. Sometimes, our HOA tows vehicle for not parking in the proper areas ; however, this was not the case. It this time, she said VW may have taken my car. Naturally, I flipped and was really upset. I told her that she should have come to me to help with the payments. However, the father of her children also stopped child support payments at the same time, to further incumber her ability to pay. I never received a phone call, email or letter in the mail from VW Credit. My daughter was 5 months behind per VW Credit when I made contact with them. 

This was an avoidable repossession and my rights as a owner of the vehicle were violated and not given the opportunity to assist my daughter with the car payments. If they needed me on the car loan, they should have contacted me before repossession.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (LA)

I made a payment equivalent to half of the credit limit and have been unable to use my card. I called Discover regarding the trouble using my credit card and was informed that they needed me to give them access to my tax filing information through a credit reporting agency. I informed them that I have never heard of such a thing from a credit card company. They informed me that if I didn't give them access to my tax records, then, they are going to close my credit card. Since, the account is not closed, but, I can not use the card for anything. They are still sending statements requiring payment, however, I am not able to use the credit card. This was not required to open the account and it has put me in a financial hardship.
Consumer complaint received 2024-09-30
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: Affirm Holdings, Inc (OH)

This company has violated my rights and FCRA. The company has charged off an account which I did not consent to. According to Federal Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Also, the company charged off the account with giving me a copy of my 1099C. If the company wrote it off on their taxes I was suppose to receive a 1099C. Which I am supposed to claim on my taxes as income.I still have a balance stating I still owe the money but it was wrote as charged off. On my credit report it is stating otherwise and is not accurate. This is statutory damages and actual damages for reporting incorrectly to my credit report.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

This complaint is in regard to my newly opened PayPal Credit Card. I strongly believe this began with the inappropriate actions of them closing my account with no communication. I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself which I did last year. I applied and was approved for a PayPal Credit Card in XXXX of XXXX. I never went above my spending limit nor was I ever late with making timely payments on this or any of my credit accounts. My income and budget were always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. I logged online to see my credit available balance show {$0.00}. I called in and they stated my account was closed due to 2 payments being returned. I have made 10 payments on the account and 2 of them returned in which I explained to PayPal Credit card what happened. Below is an explanation. 

XX/XX/XXXX - Payment made of {$690.00} was made. I used the wrong bank account as I have XXXX saved online. The payment showed scheduled online and with in a minute I realized wrong bank and try to cancel it. When I click cancel which showed as an option it said you need to call. I called and the rep explained unable to cancel the payment even with it just being made. That is why that payment returned. 

XX/XX/XXXX - Payment made of {$2700.00} and payment was returned for insufficient funds. I had fraud on my bank account debit card and why no money was there to cover the payment. 

My other 8 payments made have all been successful.

This is devastating to my credit risk scores on all 3 bureaus because closing the accounts displayed a high usage of credit card usage with no available percentage of credit hurts my score and ability to refinance. Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. The actions of PayPal Credit card, did not take into consideration my income or my history of repayment when making this arbitrary decision. I will note that I was never contacted by PayPal credit to ask why the payment returned. I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that sometimes things happen and why a payment gets returned that is out of your control like fraud. Please assist me in righting this wrong caused by tthis bank.. With Kind Regards, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/year> I called my bank because {$14000.00} was transferred into a XXXX  account brokerage thats not mine its in a mans name and I have emailed XXXX  they wont talk to me because I dont own the brokerage account I said yes but my bank account funded it fraudulently! The bank didnt even investigate it I sent them evidence! They doubled every amount I disputed and than gave it to wrong department I had to call them they reopened it but still havent credited my account they are in violation of regulation E
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Unauthorized withdrawal, {$2100.00} on XXXX XXXX XXXX. Fraud or bank error, from my Citizens Checking Debit Card account. 
Citizens has not been honest or transparent about how this happened. They have told me three different reasons through two different customer support and service.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC. (SC)

I am filing a complaint regarding misleading communication from Ally Financial about my auto loan charge-off. On XX/XX/XXXX, I received a text stating I had 5 days before a charge-off if I did not reach out I reached out that same day XX/XX/XXXX, but the next day XX/XX/XXXX, I was told via another message that I had 30 days to resolve the issue and given a case number. Despite this, my account was charged off before those 30 days were over. When I called to clarify, Ally informed me that the arrangement was no longer valid due to the case being transferred to another department, a change I was never made aware of. I reached out like they asked me to the same day explaining my financial hardships and willing to explore options as well as pay my past due amount yet my account was still charged off. I have been actively trying to resolve this situation despite my financial hardships.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681 b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( IL promptly delete that tier of information from the fie of the consumer, or modify that item of information, as appropriate, based on though results of the reinvestigation ; and Fil promptly entity the furnisher of that information that the information has been modified or deleted from the tie of the consumer. Please remove the following items from my credit report, immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (TX)

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.
Consumer complaint received 2024-10-08
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

XXXXXXXX XXXX To log in to my online bank account, I am being asked for the following : XXXX XXXX XXXX XXXX Bank Account Number However, I have never had a debit card! Therefore, I do not have a XXXX either. I dont have a bank account! 
Because I do not have these XXXX pieces of information, I can not log into my account. 
I was given dozens of phone numbers, but none of them were helpful. 
The numbers I called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please stop giving me numbers to call and wasting my time. 
I only have a credit card! I just want to monitor my credit card expenses and payments online! I dont know how much I owe or when I need to make payments! 
If this continues and I face any legal action, I will file a complaint against you in court. ''
Consumer complaint received 2024-10-09
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: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX and Equifax. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX - XX/XX/year>, XXXX XXXX XXXX - XX/XX/year>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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-10-08
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. (CT)

While checking my most recent credit report. I noticed credit inquiries that I did not authorize, and they are a result of identity theft, made by the following companies : 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  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is 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. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

I have attached an FTC Report. Please remove these inquiries from all credit bureaus.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed items to be blocked and deleted company information from XXXX and XXXX. 

Please delete the following items : 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 2024-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion continues to place collections on my report that is not owed to XXXX They continue to lie and say they investigated the collection, But if they did they would see this is not my name they continue to send this debt to me through. I have tried several attempts to have them remove false information dealing with XXXX XXXX and associates and XXXX XXXX XXXX XXXX from my report, They continue to update the debt date to add more time to the debt being on my report, This is my last attempt in telling Transunion to remove such debts that I do not owe to above collections firm before legal action for them violating my name and rights be taken
Consumer complaint received 2024-10-08
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
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)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud letter that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.