davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
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: CCS Financial Services, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. 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!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. 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 reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run eight times over three consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive 1.5 hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than 2.5 times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit 8 more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Consumer complaint received 2024-01-17
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. (TX)

I spoke to a representative at XXXX on the phone on or about Account XXXX XXXX and they informed me that they'd received my documents in the mail In XX/XX/XXXX XXXX  showing them that this Account Should read as Paid/Closed as it shows on XXXX with no Balance! It is the duty of this entity to furnish accurate information and in this case XXXX is Intentionally VIolating the Rules of the CFPB and The FCRA in it's entirety by Reporting Information that they have been made aware that is fully inaccurate and incorrect. ( see attatched files of credit report ) This is causing the Consumer mental anguish because XXXX told the Consumer that they're not going to make any changes nor open a Reinvestigation unless they recieve a letter from their XXXX XXXX who pays for a subscription to XXXX services. The XXXX produced legal Documents showing that the Consumers file was updated on XXXX and that XXXX should follow suit but XXXX refuses.2. It's been well over 30 days since the initial Complaint, and not only that they are clearly violating the Law Knowingly and Intentionally! Without fear of being held accountable! 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

also the following applies : ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit. XXXX has clear disregard for these rules and regulation as proof will show below in the attached.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Today, Monday, XX/XX/XXXX, I received just minutes ago, and now is XXXX XXXX XXXX, an electronic mail through XXXX XXXX XXXX, saying your credit score refreshed, from XXXX XXXX, a free credit reporting service, image included. 

PLEASE SEE AND REVIEW THE ORIGINAL DOCUMENT COPY FROM XXXX XXXX : INCLUDED : IT SAYS IN XXXX MARKED WITH AN X " XXXX XXXX '' IN XXXX, IS TRANSLATED AS " WITHOUT CONTACT '', THE DOCUMENT DATE AND ORIGINAL PRE PAID MONTH AND INSTALLATION, WHICH WAS A RE CONNECTION BECAUSE MY FATHER XXXX. WAS A CLIENT SINCE IT WAS CALLED XXXX XXXX XXXX AROUND THE YEAR XXXX WITH THE ORIGINAL NUMBER WHICH WAS LOST AND NOW THERE IS A NEW NUMBER. THE DOCUMENT SHOWS IN HAND WRITING MY NAME, ADDRESS, THE DATE XXXX XXXX XXXX, XXXX XXXX XXXX, SOCIAL SECURITY NUMBER, DRIVERS LICENSE NUMBER AND MORE. 

THE OTHER IS THE ORIGINAL PAYMENT RECEIPT PAID AT THEIR XXXX XXXX XXXXXXXX XXXX XXXX STORE, SHOWING PAYMENT RECEIVED WAS {$160.00}, WHERE I ACCEPTED THIS WAS A PRE PAID WITHOUT CONTRACT SERVICE. 

To my surprise, the local XXXX XXXX Telephone Company, owned by XXXX since years ago, reported as derogatory my telephone account with Internet with them BUT IS IMPOSSIBLE BECAUSE THIS ACCOUNT WAS OPENED AS PRE PAID SERVICE, WHERE I HAD TO PAY IN ADVANCE FOR THE USE OF THE HOME INTERNET AND PHONE WHICH WAS NOT USED, IT WAS JUST OPENED FOR THE INTERNET SERVICE ONLY. IT IS SIMPLY NOT REQUIRED TO KEEP PAYING THIS ACCOUNT, BECAUSE WAS OPENED AS PRE PAID : THE ONLY UNREASONABLE EXPLANATION IS THAT XXXX CHANGED THE TERMS WITHOUT INFORMING IT TO MYSELF, BY ANY MEANS, AND JUST MINUTES AGO I SPOKE WITH A XXXX REPRESENTATIVE OVER THEIR CUSTOMER SERVICE PHONE NUMBER, WHICH IS XXXX XXXX XXXX, at XXXXXXXX XXXX AND HE SAID I HAD TO CANCEL THE ACCOUNT, WHICH WAS NOT PART OF THE ORIGINAL AGREEMENT. A PRE PAID INTERNET AND PHONE SERVICE DOES NOT REQUIRE ANY CANCELLATION ON MY PART, BECAUSE WE HAVE TO PAY IN ADVANCE THE MONTH WE ARE GOING TO USE, THERE IS NO NEED TO PAY OR CANCEL ANYTHING, IF WE DO NOT PAY IT SIMPLY MEANS WE DO NOT WANT THE SERVICE ANYMORE AND THAT IS IT. 
THIS GENTLEMAN WHO TOOK MY PHONE CALL SIMPLY INFORMED THE TERMS WERE CHANGED BY SAYING I HAD TO CANCEL THE ACCOUNT : THERE WAS NO REQUIREMENT OF CANCELLATION, IT WAS PRE PAID. NOW, THEY REPORTED THE ACCOUNT AS DEROGATIVE AND UNDER COLLECTIONS FOR A {$170.00} DOLLARS I DO NOT OWE BECAUSE THE SERVICE SIMPLY STOPS AND DOES NOT CONTINUE NEXT MONTH IF WE DO NOT PAY, THEY CHANGED THE ACCOUNT TERMS, EVEN THE INVOICES INCLUDED DOES NOT SAY IN XXXX IS PRE PAID. NO NEED TO PAY EACH MONTH, ONLY NEEDED IF WE WANTED TO KEEP THE SERVICE, THE PAYMENT HISTORY DOES NOT EXIST IN THE CREDIT REPORT, THE AGE OF THE ACCOUNT IS XXXX? IT WAS PRE PAID FOR XXXX SAKE!!!!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (WA)

On XX/XX/year> I submitted one application for a car loan at XXXX XXXX. Without my knowledge, XXXX XXXX made 3 additional requests to different organizations, which I did not ask them to do, but they did it. Since then, I have discovered three additional unauthorized credit requests. To which I did not give permission. Now I have XXXX hard inquiries ( from XX/XX/year> ) in my credit report but i did only XXXX
Consumer complaint received 2024-01-17
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. (GA)

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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I understand the importance of maintaining a positive credit history, and I am committed to rectifying any discrepancies that may exist. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I would like to highlight that I have been proactive in addressing the situation and have taken the necessary steps to ensure that my financial responsibilities are met promptly. In light of this, I kindly request your understanding and cooperation in removing the late payments from my credit report. 
Enclosed with this letter, please find supporting documentation that substantiates my efforts to rectify the situation. I believe that the removal of these late payments will significantly improve my credit score and contribute to a more accurate representation of my financial responsibility.

I understand that your bureau plays a crucial role in maintaining accurate credit information, and I appreciate your attention to this matter. I kindly request that you investigate this issue and, if possible, remove the late payments from my credit report.
Consumer complaint received 2024-01-16
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)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (DE)

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. 
XXXX  Account # XXXX, has violated my rights.

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
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (HI)

On XX/XX/year> I wrote a written request letter to pioneer credit recovery Inc to request my traffic court fines on my payments and balances ect... a break down on statements.they have received the certified request letter but it was sent back to sender which is me.i did have the correct address and the letter looked like it was opened, so I'm kind of confuse about what to do next.the purpose for this issue is I'm trying to get my hawaii drivers license back so I can go to and from work with the XXXX XXXX XXXX approval..
Consumer complaint received 2024-06-05
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. (ME)

On XX/XX/XXXX I made a reservation with at XXXX XXXX XXXX ( XXXX ) for a stay at XXXX XXXX XXXX XXXX for a stay in XXXX, XXXX. This reservation required a deposit of {$190.00} which I made with my Southwest Airlines Chase Bank credit card. 

On XX/XX/XXXX I cancelled the reservation, not remembering at that time that the deposit payment referenced above was made with the Chase Bank card that I had cancelled in XXXX  XXXX. XXXX, which handles XXXX XXXX XXXX XXXX, processed the refund on XX/XX/XXXX and they have documented that the refund was processed by Chase Bank ( see document attached ). 

As attached emails indicate, I made repeated requests to Chase Bank to resolve this matter. During my first phone call to Chase Card, they agreed to send me a letter that I could forward to XXXX documenting that my account had been closed and thus, a refund to me via the account was not possible. When I did not received the promised letter, I again called Chase Card customer service and was advised that I needed to send a fax detailing the matter to Chase Card 's offices. I did so and again did not receive a response. Finally, on XX/XX/XXXX I sent a letter to Chase Bank offices regarding the matter requesting a resolution and again have received no response.
Consumer complaint received 2024-01-17
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. (GA)

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  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (NC)

collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 
After you have finished with my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2024-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Nicholas Financial Inc. (FL)

On my credit report, I am now responding to XXXX XXXX with a balance of {$3100.00} due to a settlement and Now my updated balance is {$1100.00} and the Nicholas Fin reports are reflecting wrongfully on my credit report. I have provided some explanation about the basis for any such dispute and any documents and information that might support any dispute consumer wishes to assert! There is a credit report showing the information of Nich FIN three times on my credit that need to be removed and updated properly with the correct Information and agency.
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: Self Financial Inc. (AL)

On XX/XX/XXXX, I noticed that SELF/XXXXXXXX XXXX had reported an account on my credit report without my authorization. According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only with the consumers written consent. I have never provided written consent for SELFXXXX XXXX  to furnish or obtain my credit information. Despite this, an account appears on my credit report, and I am not legally responsible for it. On XX/XX/XXXX, I contacted SELF/XXXX XXXX and the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX  to dispute this unauthorized account. I requested the removal of this account from my credit report, but it remains unresolved. I am seeking the assistance of the CFPB to have this unauthorized account removed from my credit report.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NH)

I am seeking information on how to apply for cancellation of my private student loan on the basis of fraud and misrepresentation by my school. I am entitled to a process for private student loan relief because of my schools misconduct. 

My school, XXXX XXXX XXXX, was owned and operated by XXXX, which has been proven of fraud and deceptive recruiting tactics in several class-action and individual court cases. As a result of this fraud and deception, in XX/XX/XXXX, The Department of Education finally announced automatic cancellations for former XXXX students. 

Other private student loan providers, such as XXXX, have offered services for a XXXX XXXX XXXX XXXX. I am seeking information on a similar process with XXXX / MOHELA for my private student loan. 

My request was sent to XXXX / MOHELA on XXXX XX/XX/XXXX. I am sending a request here in addition to my contact to the lender.
Consumer complaint received 2024-08-08
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: Self Financial Inc. (CA)

XXXX account of mine was taken and charged and reported and charged in Nevada with none of my accurate information yet they won't return my fundsbeben with documentation proving I did not live anywhere near the address or even the state. I sent police report and a identity affidavit complete history of residence through postal etc the email but I can't respond I get through they lie. I'm denied so I sent proof still denied.
Consumer complaint received 2024-06-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

Us auto sales sold me a XXXX XXXX XXXX for {$12000.00} more than it worth. After talking to them about this they closed down and now another company takes over. I want my contract redone with the correct value of this car. Im stil owing XXXX for this car and any XXXX knows thats not right. I have a lawyer ready to take them on.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd (MA)

Account has been frozen for over one week. Sent a {$100000.00} transfer to the account over 10 days ago which has not been deposited to my account. Outgoing transfers for {$35000.00} and {$9900.00} are held and not transmitted. Phone representatives are unable to help. In total {$140000.00} has been frozen. Bank no longer responds to my correspondence.
Consumer complaint received 2023-05-03
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated 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. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}