davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
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. (GA)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX, XXXX XXXX XXXX XXXX issued me a credit card after I financed a vehicle through them. I have paid both accounts exemplary since the accounts were opened. On XX/XX/XXXX, the credit card account was closed without my knowledge. I only obtained this information when I called to make XXXX 's payment and was transferred to the collections department. Collection manager, XXXX, explained that the indirect lender manager, XXXX, closed the account, apparently due to XXXX and myself having a disagreement. To talk about my account, I have to talk to the collection department. I have never missed a payment or been late. Personal reasons should not be a professional reason to close my revolving account that is paid exemplary every month, which would continue to help build my credit. I have disputed this through the XXXX, in which i recieved an email from them stating that the dispute was closed due to not responding within 7 days of supposedly recieving XXXX XXXX XXXX XXXX 's response that they sent via mail. I never recieved that correspondence through the mail. This is extremely unprofessional and is negatively affecting my credit.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

I have tried to use my American Express gift card with multiple online and retail stores, American Express claims the card should work at both, although I have tried to use the card over a dozen times the card or transaction is always denied. Retailers claim that a change by American Express is the cause and not and issue with the retailer. I looked online and found that this is very common with American Express gift cards. I have tried multiple time since the card was activated XX/XX/year>.
Consumer complaint received 2023-06-01
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. (CA)

When I investigated my credit report, I realized that the erroneous account is still in my file despite it being erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account immediately Kindly fix the negativity of this account : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

XXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX  Inquired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX : XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXnquired on : XXXXXXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX ( all of these are hard inquiries by company 's that did not have XXXX authorization I DO NOT recognize inquiries and they are all fraudulent. )
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Consumer complaint received 2023-04-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (SC)

Goldman Sachs is the owner of my mortgage and XXXX XXXX XXXX is the servicer. My mortgage has been transferred 4 or more times over the course of 15 years and recently twice in one year. There is a lot of confusion in the validity of my promissory note. I have reviewed my original Mortgage documents including the original promissory note and modification agreement back in XXXX and XXXX. I recently received requested documents from XXXX and documents after a CFPB complaint and after careful review, I noticed that my original promissory note and permanent loan modification documents are not the same. Appears there documents have been altered or tampered with question the validity of my promissory note and modification agreement in XXXX. The correction of my name without my acknowledgment or initials. The notarizing of the documents without my presence. Most Importantly the unfair terms in the entire note and agreement including interest rate renders the promissory note simply invalid. This was during the time of predatory lending right before the housing crisis and bailouts. Lending practices were being violated resulting in invalid promissory notes and mortgages. I would like for Goldman Sachs and XXXX XXXX  XXXX to recognize the abuse and unfairness of the agreement and render the promissory note invalid. If we can not come to an agreement of some sort that satisfying to both parties then I have not other recourse but to seek legal redress.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (OH)

My cell phone signal was faulty, I received a text message from XXXX XXXX to download a XXXX XXXX. I clicked the link and it took me to my account profile where is downloaded the new esim. This apparently gave the hacker access to everything, including my wife 's information. The hackers locked me out of my phone, disrupted my cell service so I could not authenticate myself for the credit and banking entities. They subsequently opened a PayPal credit card, and charged {$10000.00}. Accessed my credit card and charged {$2500.00}. Accessed my wife 's credit card and charged {$20000.00}. Locked both of us out of our emails and every account we had.
Consumer complaint received 2023-06-01
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I urge you to take action regarding these inaccurate accounts that do not belong to me and are fraudulent, as I do not want them to appear on my credit report.
Consumer complaint received 2024-05-15
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. (FL)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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 XXXX XXXX credit reporting. I have evidence to prove my case! 

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 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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 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 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-07
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-10-18
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. (FL)

Can you delete these accounts because they are negative and are not mine? 
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 2024-05-15
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. (VA)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 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 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-15
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. (FL)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (IL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-05-15
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. (FL)

The documents from XXXXXXXX XXXX XXXX XXXX  XXXX XXXX does not match what is reporting. I am requesting that TransUnion investigates and reports what is in the documents so it will accurately reflect my report. Payment history, the date the last payment was made, and etc.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

So Ive been dealing with this since XXXX now and Chime doesnt seem to want to even bother to listen when I keep telling them that I never received both of my refunds back. So I ordered a ticket for electric forest to XXXX and XXXX had double charged me so I disputed it to chime. Now chime took it in and adjusted my balance with a credit. Me not knowing that chime was the one who adjusted I cancelled thinking XXXX refunded one of my 2 {$96.00} payments. So I email chime and tel them I didnt mean to do that and to say it will be reversed in 5 days and that I would have to email again to get it rebuttaled. So I wait and I email them 5 days later and tell them that it went through. The next day or two XXXX refunded one of them {$96.00} payments. By then I had talked to XXXX. I saw my next payment plan price was double and I asked the lady at XXXXXXXX why I was getting double charged and she said that they had refunded both {$96.00} payments to me. So I tell chime about this and they say the will continue to investigate. A few days pass again and I email chime asking whats going on with my other payment that was suppose to come back to me. Now here it is almost XXXX and I still have it gotten my other {$96.00} payment. I sat on the phone with them for 2 hours today and they just dont care about their customers at all. Now its weird also that now the dates keep changing on when I supposedly got these refunds and its just really starting to make me mad. Cause I even talked to XXXX again today and the lady said I was supposed to be refunded two payments both the same price the {$96.00} payments. Ive only gotten one and chime doesnt seem to want to care about my money that I worked hard for. Im a server and we live off tips and this is just really aggravating me especially when Im providing all this proof including todays with the XXXX lady. I have every email and transaction and chat with XXXX all saved.
Consumer complaint received 2024-08-29
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. (NY)

I have recently reviewed my credit report and found fraudulent accounts that I did not open and do not recognize. These fraudulent accounts have been listed on my credit report. I request the removal of these accounts from my credit report as they are negatively impacting my ability to obtain credit.