davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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. (TX)

After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from XXXX XXXX XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello on XX/XX/year> I submitted a request to transunion to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (IL)

We took out a personal loan through One Main Financial in XXXX XXXX several years ago. The first loan we took out we were forced to add on an insurance type package of some sort. We then Refinanced the loan a couple years later to take out some additional funds and we're once again forced to take out an add on for something we didn't want. We were told to get the loan to add it on and then we could just cancel later. We then tried to cancel the services later and were told we couldn't cancel the add ons. We went into the office on several occasions to try and have it resolved and were told no. We gave up and continued paying our loan. Once we got towards the end of our loan of the add on charges I called the office and the corporate office and told them I had a remaining balance that equaled the add on costs and my loan should be done and they refused. I told them that I am pay interest on services and costs I didn't want and at that time I had even calculated the additional interest cost for taking out the add ons that I believe were around {$2000.00} total for just the add on. I made multiple calls arguing my case to no avail and ended up giving up. I was so mad because Ink we deep down this was so wrong on a many levels but had no way to fight the decision so paid my loan and never did business with them again. I had no choice but to pay the loan because my truck XXXX XXXX was used for collateral on the loan and I couldn't risk losing my vehicle so we were stuck and we knew they were forcing us into products we did not want and voiced it several times. Check the call logs of the XXXX XXXX location and you will surely find me on a call arguing with them. Thank you for holding them accountable. I just saw the settlement information today and it gave me such a huge sense of relief to know back then when I was arguing this with them I was not wrong. I now feel better knowing no one else will suffer these terrible practices. I'm pretty sure I posted a XXXX review calling them out as well. It's so good to see this can't happen to anyone else! At the time it was extremely stressful. Thank you, XXXX XXXX
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Account Number XXXX Dear Sir or Madam, I am writing in response to your collection notice regarding a debt from XXXX XXXX XXXX XXXX XXXX for {$1300.00}. According to your notice, this debt was incurred on XX/XX/XXXX and is currently in collections. 

However, I would like to dispute this debt on the grounds that it was included in my XXXX XXXX bankruptcy, which was discharged on XX/XX/XXXX. The debt in question was discharged as part of my bankruptcy and is no longer owed. 

Please see attached bankruptcy documentation that demonstrates XXXX XXXX XXXX XXXX XXXX was included. I have reported to the FTC that you cease all collection activities. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Hello on XX/XX/year> I submitted a request to equifax to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2024-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I had a notification I had a hard pull on my credit report by Capital One Bank. I did not ever requested or open anything with Capital One. Called the company and they said no idea but to contact the credit bureaus which I have done. I found out that the culprit used a fake address and phone number. I need help please. Thank you.
Consumer complaint received 2024-05-01
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: EQUIFAX, INC. (AZ)

Hello on XX/XX/year> I submitted a request to equifax to provide information about some late payments that were listed on my accounts til this day they have yet to respond to my request to fix this. They have not even processed my dispute and currently is ignoring me.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2018, I was told by American Express that I could process payments online. I spoke to the office of the president. On XX/XX/272018 I was told again that I would be able to make a payment online, print my receipt for proof. On XX/XX/2018 I was told that if my payment was made that my credit would be protected. I want American Express to open up the account online to receive the payment and make sure Not to negatively report my account. American Express can not report you negative, tell you that you can make a payment online to pay you balance ( on a recorded line ), then not fix a time sensitive matter error on my account Today I still have not been able to pay the way I was promised and mitigate this issue as promised by the Office of the President They have made yet another mistake and this time I would like XXXX XXXX 's office to be made aware of this and contact me immediately XXXX XXXX adnd his team has informed me that the reported errors on behalf of the credit department and dispute departments thus far will only be mitigated by my paying the entire balance, and that I was grate ability to pay online and print my receipt. They did not open the access for me to pay as promised. 
XXXX XXXX office will also need to be notified to help rectify this urgent mishap on behalf of American Express They close my account prematurely and in error as a result of documented negligence on behalf of their dispute departments. My payment needs to be posted online as promised and my credit and the integrity of my account needs to reflect my efforts to stay in compliance with American Express policy, while American Express communicated false practices ( on recorded telephone calls ) and promised to place the account in disputed and it never happened. Then demand immediate payment. Well, I have attempted again to comply and need to speak to someone on the telephone immediately and I want to make an ONLINE PAYMENT and be finished with this incompetence. Thank you.
Consumer complaint received 2023-12-25
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. (TX)

While checking my credit report, i was seeing alot of hard inquires that don't belong to me, of accounts that dont actually have data for the months they have reported, there's a cap in these accounts that don't actually match.
Consumer complaint received 2024-05-06
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: ALLY FINANCIAL INC. (TX)

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2024-05-01
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. (AZ)

Hello on XXXX I submitted a request to transunion to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

This is in reference to CFPB XXXX XXXXXXXX. I appreciate Schools First Federal Credit Union to not ignore my inquiry. However I still feel the problem is not solved. Maybe I need to ask a direct question. Did the lady who administered our unsecured loan at your facility have what is called a ( DBA ) Doing Business As under the California Secretary of State please provide me that information if you don't understand what I'm talking about I will submit mine. If your employee who is conducting business in California doesn't have one then this contract is Voided. Also I would need a Financial Forensic Audit showing where the money originated from on this Loan. I have recently secured my All Caps Name with the Internal Revenue Service and now have Power Of Attorney of this Estate and I'm doing a little housekeeping. I would also like to know if School 's First Credit Union have paid taxes on the money you received from my Trust Estate and have reported it to the Internal Revenue Services. I will wait for your response before I have them looking into this loan. Thank You so much for your Cooperation. Also why didn't Schools Financial credit Union CFO respond to the Affidavit. An unrebutted affidavit becomes judgement after 30 Days. I want to peacefully work with schools to mitigate this situation as soon as possible
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

XXXX XXXX Account # : XXXX Date Opened : XX/XX/2004 XX/XX/2004 XX/XX/2004 High Credit : XXXX XXXX 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in XXXX! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring payments are made on time has been a constant practice on this account, preventing any overdue instances. I'm confused about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This has been an ongoing issue with the Credit Reporting agencies ( XXXX, Equifax, and XXXX ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
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. (CO)

I consistently ensure that I pay on time, and I am sure of this. However, what I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-05-18
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. (WI)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-01
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. (IL)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IL)

I opened a Citibank account with XXXX XXXX at Citibank in XX/XX/2023. He set my residential address as XXXX like it had on my ID and my other address here in XXXX. Since then the fraud and customer service department has harassed me almost everyday by locking my account for no reason. I take uber to work 10 times a week and every Saturday and some morning they would claim XXXX as fraud and lock my account till I called and spent XXXX on the phone. This caused me to late work two times which resulted in my termination. Now they have completely frozen my account and will not let me into my checking account. It is XXXX and I am unable to pay rent which could result in an evictions. The emotional stress it has caused me after dealing with identity theft for two years caused me to nearly try and kill myself. The customer service number passes you around and keeps you on the phone for hours causing me to miss appointments and undue stress. They are holding a check but also locked my checking account which has left me completely penniless as I closed every bank I had to ensure I was reducing the threat against me from my identity thief. I am in absolute tears. I have XXXX XXXX cats and I do not know what to do with them if I am evicted. I just want my account money and to be able to be compensated for lost wages, late fees for rent and the stress this has caused me. If my friend had not been here I do not know what would have happened when I wanted to harm myself.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/XXXX, disconnect 6 times. 
XX/XX/XXXX, disconnected 17 times. 
XX/XX/XXXX, my calls after waiting and spending most of my day, failing to accomplish any task as every call made I was never connected to representative in 33 calls. 

The list is much longer, but I digress. This unfair practice is costing and defrauding people of massive amounts of money.

The deception and malpractice in this industry is rampant, once one area begins to improve, another things takes its place. 

These companies are extremely crooked and the average consumer believes many lies and malpractices as truth because they interact with so many people, the average person would believe what they say must be true.

I do not even know where to classify the unjust and unfair practice, and the employees working follow procedures given to them when they dont actually know the truth themselves.

I gave give them legal, lawful, and actions which should be followed out pursuant to regulatory policy and or law, yet Im told a variety of things for example, they can not due this function, this isnt our company approval, call someone else, let me transfer you which doesnt solve anything, usually more disconnection and waiting to get a representative on line who has interests not favorable to customers, which is harming the public trust and benefits not the consumer but the few banks compared to those it serves.