davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (IL)

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. I did not authorize those inquiries. I went for information and those inquiries were made to me without my authorization on XXXX by the people at XXXX XXXX. 
Therefore, I request the elimination of these queries since they were not authorized by me and I am being affected by them. Describing them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not give my authorization for them to do the inquiries, they asked for all my information to be able to show me a car, and I never asked for a quote or anything. I went days after this happened and the finance manager in XXXX gave me a handwritten letter saying that those inquiries should please be deleted, but that they couldn't delete them. I called the XXXX  and they told me that you could help me with a claim that I must attach to them along with a letter so that they can eliminate it.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I opened a new Choice Checking account through HSBC 's web site link that offered me a {$200.00} bonus if I deposited {$1500.00} within 30 days and keep minimum balance of {$1500.00} for 90 days. Since I had an existing old account from years past with a balance of {$.00}, I contacted HSBC customer service through the Chat option on their website. I was told ( have copy of the Chat ) that the rep would close the old account and I could proceed with opening the new account and I would qualify for the {$200.00} bonus. So I did exactly what the Chat representative told me to do. It has been over 4 months since I deposited the {$1500.00} in the new Choice checking account. I have opened 2 cases with customer support on this issue and the last case is # XXXX opened on XX/XX/2019. Each time they ask for additional information which I give them but they close the case without contacting me or asking for any other information like a copy of the Chat which supports my claim. I believe they are intentionally trying to defraud me and not honor the {$200.00} bonus commitment they made to me. Today I requested a transfer of my balance to another financial institution and will proceed to close the account once the transfer has completed.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00XXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-12-02
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)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-05
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. (NV)

XXXX. TransUnion, XXXX and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX  confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them.

They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : XXXX. TransUnion, XXXX and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.
Consumer complaint received 2024-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NY)

On XX/XX/year>, a money transfer was initiated by Freedom Mortgage Inc. for a home loan that was in the name of my ex-husband in the amount of {$500.00}. I did not authorize the payment. When I contacted Freedom Mortgage, they stated the transfer was made though their online portal. When I contested it they stated there was nothing they can do being the mortgage was not in my name. When I asked for my personal checking info be removed from their system, they advised they could not do that without the permission from the person who held the mortgage. 

I had to go through my bank in order to get that money back but it concerns me that a party can make payment using an account that does bear their name and it remain in their name even when contested and also the company is able to store that information for future use.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, someone stole my wallet in my car. He or she used my credit card and used my debit card to withdraw all money, {$1600.00}, from four different bank ATMs. 

On the day of XX/XX/XXXX, I confirmed this theft and crime through a fraud alert on the Citibank app, and as soon as I found it, I immediately reported it to Citibank and reported it to the police as well. 

I know, if I notify my bank or credit union within two business days of discovering the loss or theft of the card, the bank or credit union cant hold you responsible for more than the amount of any unauthorized transactions or {$50.00}, whichever is less. If I notify my bank or credit union after two business days, I could be responsible for up to {$500.00} in unauthorized transactions. 

However, Citibank did not refund the {$1600.00} stolen for the following reasons, even though I reported it on the day of XX/XX/XXXX and requested reimbursement four times by investigations. 

" Based on the information you provided and the results of our research, our records indicate that these withdrawals were made from your account with your Citibank Banking Card. Please note that your Citibank Banking Card and Personal Identification Number were required to perform these withdrawals and the activity appears to be consistent with your normal banking activities. '' I have never told anyone my pin number, and I have no clue of pin number in my wallet, which is obviously a major theft and password theft by a professional robber. 

I shared police report number with Citi Bank, requested to see the video on 4 different ATMs, and request reimbursement this fraud transaction more than 4 times. However, Citi Bank denied my request again and again. 

I didn't withdraw my money by my self and this is obviously a major theft and password theft by a professional robber. The Citi Bank also refunded the fraud transaction of credit cards, but I can't understand why they don't refund fraud withdrawals of my debit card. I reported this fraud transaction within two business days to Citi Bank as well as Police. 

According to the law, I strongly request that the bank return the money I have not withdrawn immediately and I sincerely hope that you will help me.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item that I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
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. (NJ)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

In accordance with the fair credit reporting act this creditor, Pennymac Financial Services- Home Loans, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. As of XX/XX/2024 they have 15 late payments for my home mortgage reported against me, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to file a formal complaint against XXXX BANK XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. 

However, XXXX BANK XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. The erroneous reporting persists despite my attempts to rectify this issue directly with XXXX BANK XXXX by disputing the inaccurate information on my consumer report. This continued misreporting has substantially hindered my access to credit and financial opportunities. 

Furthermore, XXXX BANK XXXX XXXX actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX BANK XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 2. Violation of FCRA Section 6802 : XXXX BANK XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws to protect consumer privacy and ensure fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX BANK XXXX for their egregious violations of federal statutes. 

Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind this information be reported to a credit reporting agencies ; nor was I given the opportunity to deny. Again, I have the right to privacy, and what goes on my credit report. Please update all information to reflect paid as agreed and refrain from any such actions in the future.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (TX)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-04-15
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. (LA)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

They are reporting multiple different balances and account status. My account in their system says I don't have a payment due for 258 days but they are reporting it to the credit bureau as late. They were reporting a balance of {$8300.00} even after my balance was {$3600.00}. They are preventing me from getting a new auto loan. I'v been to multiple dealers and have been turned away because it was showing I owed 77 % on this loan until yesterday. Then on XX/XX/24 it was reported I have a late payment.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-15
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.