davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (GA)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments/utilization on multiple accounts : XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX Unverified /Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX XXXX Unverified/Not Metro 2 compliant XXXX Unverified/Not Metro 2 compliant XXXX XXXX Unverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXX XXXX XXXXUnverified/Not Metro 2 compliant XXXX XXXXUnverified/Not Metro 2 compliant XXXXUnverified/Not Metro 2 compliant and/or utilization is an experience created by credit usage . 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to XXXX violating my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) XXXXThe specific entry I am disputing is a bankruptcy filing that appears on my report. The date filed, reference number, closing date, and name of the court are being reported inaccurately across each credit bureau. I have attached documentation outlining these errors as well. I've also received a letter from the bankruptcy court clearly stating that they do not report or verify any information directly with any credit reporting agencies. I have attached that document as well. I have disputed this inaccurate information with Equifax, XXXX and XXXX. Unfortunately, there has been no resolution. I have verified that the information reported is incorrect and request that it be investigated and removed promptly.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-04
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. (ID)

Complaint Regarding Delayed Response and Request for Assistance I am writing to report and complain about the delayed response from the credit bureaus regarding my request. I have been a victim of identity theft and have been diligently trying to have the fraudulent information, inquiries, and accounts removed from my credit reports. Despite my repeated efforts, the bureaus have not taken any action. 

I have contacted them multiple times, but each time they provide different information and have been stalling. As a result, my issue remains unresolved. I need your help to correct my address and remove the fraudulent accounts, inquiries, and any late payment tagging on one of my accounts, as I have always been a good payer. 

Below are the account details without a history of late payments : ( Paid on time/Never late ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have also attached my FTC reports, dispute letters, and IDs for your reference. Your assistance in resolving this matter would be greatly appreciated.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX, I paid {$15000.00} to XXXX XXXX for a program that included housing for XXXX months. On XX/XX/XXXX, I was informed I was being kicked out of this housing ( that I had prepaid for ) on XX/XX/XXXX. 

Soon after, after not receiving any information from XXXX about new housing or a passable explanation for why I was being kicked out of housing I had a contract for, I filed a dispute with Chase. I provided evidence that I was not provided with the services I paid for, and asked them to let me know if they needed anything else from me. 

On XX/XX/XXXX, I received a phone call from Chase and an agent told me that I could expect the disputed amount ( more than {$10000.00} ) to be a permanent credit in my account within the next week or two, and that they would let me know if they needed anything else from me or whenever they had another update. 

On XX/XX/XXXX, when I logged into my account, I noticed I had been rebilled for the disputed amount ( with no communication from Chase ). I appealed the dispute findings, and spent more than 10-15 hours on hold and on the phone with Chase over the next couple of months, only to eventually learn that my appeal was never considered, because it was past the deadline to appeal the decision. However, the dispute was decided after this deadline, and I never was told this in all of the time I spent on the phone with them, or communicated in any other way. 

I got connected to their executive team, and basically have lived through this process again over the past couple of months, with terrible communication, failed promises to call me back ( even after a message sent through a colleague was acknowledged that Id cleared my schedule for the full day ), and it is just absolutely unacceptable how they have handled my problem and their disregard for me receiving more than {$10000.00} in services I did not receive. This is XXXX worse than any other customer experience I have had, and now Ive been charged another annual fee because theyve taken so long to not get me help with my situation.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

To whom this may concern I have recently received my credit reports and noticed that an account was still on two of my three of my consumer credit reports, but has been removed from XXXX report I am writing this letter to dispute the following account : WELLS FARGO CARD SERV These credit agencies and this collection agency WELLS FARGO CARD SERV are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the XXXX XXXX, show valid proof.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion Rental Screening Solutions Inc, has violated my consumerrights. They failed to follow FCRA LAWS they claim to abide by. They furnished information on my consumer report without fairness and impartially. They failed to follow the law that clearly states I have a right to give written or oral consent before communication be communicated on my consumer report. This has defamed my character and caused for denial of housing leaving my family homeless for their mishap. Ive been denied for years now XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Causing me to feel discourage to apply anywhere else.
Consumer complaint received 2024-07-06
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. (NY)

I submitted this complaint again to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (OH)

12 CFR 1002.7 A creditor shall not refuse to allow an applicant 's to open or maintain an account in a birth-giving first name and surname.

Your in Truth And Lending I'm trying to oversee how much equity have included in this account. Are you telling me I entered a contract without equity every contract post to be equally for both parties. As I'm XXXX and have the capacity to contact. 12 U.S.CODE 1431 I gave you security with interest and I received nothing
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

Made XXXX $ payment to my Goldman Sachs credit card that was successfully dafted from my account. my card is on hold for 14 days without any notice or card holder agreement stating this I made previous payments with same account I ask my available funds be released this is a violation with fair credit practices I ask for all funds to be released this is causing Financial hardship
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (TN)

During XX/XX/XXXX XX/XX/XXXX, I communicated with the Wells Fargo Home Mortgage ( WFHM ) Home Preservation team to apply for a proposed loan modification and submit supporting financial documentation via secure email or website/link ( e.g., yourLoanTracker ) as provided by the financial institution. A confirmation email was sent to my attention on XX/XX/XXXX but the application was later declined mysteriously. I also submitted applications to your financial institution and/or its subsidiaries ( e.g., Americas Servicing Company or ASC ) for loan modifications prior to the XXXX pandemic and/or on XX/XX/XXXX, which were not approved. 

On XX/XX/XXXX, Wells Fargo XXXX XXXX issued a letter and a {$200.00} check as compensation for not considering the mortgage account for loan modification. I was somewhat encouraged by the acknowledgement of a potential undisclosed error and bank payment. Nevertheless, I requested mediation after concluding that both my financial situation and mortgage account were significantly inconvenienced by their actions. 

On XX/XX/XXXX, I entered into mediation with WFHM to forgive the current loan outstanding principal balance totaling $ XXXX. WFHM disclosed the procedures and/or complexities for reviewing customer accounts and thus offering payment assistance. However, WFHM concluded that an error did not occur as part of its internal research. The bank did not agree to forgive the outstanding loan balance as originally proposed. However, both parties did agree on an additional $ XXXX customer satisfaction payment. 

Although my account was found not to have been directly impacted by Wells Fargo 's self-disclosed error, it appears that the financial institution has dubious and/or deceptive practices which impact both its consumer-base and the public. The bank representative provided a very technical explanation which even the mediation professional felt was difficult to understand and not user-friendly. I was also troubled that XXXX refused to share either the impact and/or magnitude of this internal error during the proceedings. 

Previously, the financial institution settled lawsuits with the Department of Justice for deceptive consumer practices involving customer accounts, falsifying data/records as well as other fraudulent and/or unethical behavior. Except for the XXXX pandemic, the financial institution refused my many requests for loan modifications. I later became suspicious yet hopeful when the bank acknowledges an undisclosed error and issues unsolicited payments to its customers. I now realize that Wells Fargo engages in erroneous business practices/procedures, either intentional and/or unintentional, that are averse to the customer.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (TX)

On or about XX/XX/XXXX I attempted to log into my Credit Karma account, I could not get into the account. After Credit Karma requested my Social Security number and user name, Credit Karma stated that the email on my account is XXXX. My email I registered with years ago was never XXXX .Someone hacked my account and continues to view all my information on my credit reports, this caused me to freeze my credit reports with all the agencies. Creditkarma.com com sent me an email on XX/XX/XXXX and stated they would look into to it on XX/XX/XXXX that was 4 days after I reported. I demand they close this account that an imposter is using fraudulently.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

This is for conns appliance and before we paid off the last XXXX payment we explained that I had lost both of my parents, my wife had an XXXX XXXX all within a year. We were responsible for the funerals for both without life insurance or outside family help. They said ok and that all that was owed was the XXXX payments via phone conversation. We've gotten several papers saying several different amounts. So we paid the last XXXX payments according to our payment book. Now we are receiving over 20 calls a day saying we owe over {$600.00} when it should've been paid off back in XXXX. I refuse to pay this. Especially with everything else we've dealt with.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc. (NJ)

On XX/XX/XXXX, I contacted Prosper Credit Card to make a payment. The person took my payment. I asked if they can assist me with the app so I can make payments and not have to call. When the person came back to the line, he stated he had to back out of my payment because my account went to a XXXX Attorney. My account was one day late and I made a payment the prior month. He stated to contact XXXX XXXX XXXX @ XXXX. I was in disbelief and waited a few days. I called the XXXX XXXX on the following days XX/XX/XXXX, XXXX, XXXX and last time XX/XX/XXXX. Each time I spoke to a different agent and each time was told they have no record of me by name, SS # & or DOB. I contacted Prosper again each time and each time they refer me back to the XXXX XXXX that has no record of me. Each time I speak to a Prosper XXXX they see it was sent but can not tell me when, nor have they given me any notification. Of course I have not received one from the XXXX agency, because they have no record of my paperwork. As noted I first made contact on XX/XX/XXXX, tomorrow will be one month and each month shows me more delinquent as Prosper states they can not take any money from me. I told them now I just want to pay the entire amount off to rectify my credit status but am in limbo. 
Prosper put in an issue report # XXXX, on XX/XX/XXXX that was addressed to my XXXX XXXX name XXXX XXXX whom I divorced XXXX yrs ago, to which we never had a joint credit card account. I am baffled and exhausted as to what to do. I just want to make sure my credit rating is not going to be affected by this issue. 
I just checked my credit report and it list ACCOUNT STATUS-Closed XXXX then it states REMARKS - Cancelled by XXXX XXXX. States last payment made XX/XX/XXXX. 
Please help me make sense of this as Prosper is not helping. Thank you.
Consumer complaint received 2024-06-04
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. (IN)

I have attached an official complaint into misuse of my credit file regarding inquiries that I did not initiate. I did not authorize these hard inquiries, nor did I apply for any credit with these companies. I have offered Transunion an ID Theft Affidavit from the FTC in the past, but they must have forgotten to remove the inquiries. My identity has been compromised in the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, along with dozens of others. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately as they are not requests made by me. These inquiries do not relate to any transaction I initiated or requested. Moreover, Transunion has some type of glitch that is not allowing me to dispute, view or download my credit file. Customer support said they escalaed it, but for some reason they have not done their job properly.