davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

When I took a look at my consumer report I was shocked to find that income was reported on it. Any charge off/canceled debt is considered as a certificate of indebtness in the eyes of the IRS and it is income. The laws specifically states that income can not be reported on a consumer report. 

In accordance with the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally pursuant to 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 a reasonable cause to believe that information is inaccurate. As it is proven that the IRS consider these things as income making the reporting of it inaccurate, these agencies are still willfully choosing to violate federal law. On top of that, they " verified '' these accounts. I am demanding to see what methods they used to verify these accounts and I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status.

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp. (WI)

I received a text and email and phone call from a company calledTrue Accord identified themselves as debt collector. The debt was for a XXXX XXXX under XXXX. I investigated this and filed a dispute and proved I sent the order back to XXXX. Today XX/XX/2023 a person from True accord sent me a very stupid message in response to my proof.. I dont know what this XXXX XXXX means but his way of communicating is ridiculous. I have attached his response where he calls me dog?
Consumer complaint received 2024-04-30
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: Credit Karma (NV)

Dear, XXXX XXXX and or other Credit Karma Employees, Per the ( F.C.R.A ) Fair Credit Reporting Act as a Federally protected Consumer, I, the Consumer recently checked my credit report and noticed over 100 promotional soft inquiries were made through your services, to be exact 103 soft inquiries were made without my permission, Its not about my credit score its about my personal and private information that ( you ) or your company violated Which at this time violates the Privacy Act of 1974. I am requesting that you provide me with the full and necessary documents to verify that you were given permissible purpose per 15 U.S.C 1681 B. You have 30 thirty day ( s ) after receiving this letter/affidavit to comply or settle in writing to the above contact information. Attached is an Invoice marked Exhibit B and will not be binding until ( 30 ) days have passed with no attempt to cure the consumer additional fees will apply after Every 5 days additional {$50000.00} will be added until I the consumer is cured, and further litigation will take place. See Attached Exhibit Sheet-A 2 pages the highlighted section belongs to Credit Karma. Please be advised that this is a binding contract once you receive this NOTICE!!! FOR HE WHO BRINGS CONTROVERSY MUST PROVIDE REMEDY!!!
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OK)

This is about Citi Bank Credit Card 's price rewind feature. I bought two XXXX prepaid XXXX XXXX from XXXX in XXXX, with a prices of {$240.00} per phone. Before my purchase, I logged in my citi account and tried to see if I can file a claim if the price would change later. When I search XXXX XXXX on citi price rewind website, it did show the EXACT phone ( XXXX   prepaid ) with a big green " track This Item '' button under it, which make me think this item is protected by price wind policy. 

Well, 2-3 weeks after I made the purchase, XXXX does lower their price from XXXX to XXXX per phone. I file a claim to Citi and a week later they requested my credit card statement to prove the purchase and another week later I called and learned the claim was denied, because the phone is a contract phone and they won't cover contract phones. 

I talked with the operator that whether or not XXXX  prepaid phone will be considered a contract phone can be arguable, but why citi list something will NOT be covered on their price rewind web page. If you would deny the claim due to the item itself why citi pretended to ask for my credit card statement and make the process two week long?

I tried to talk to her manager and I missed her phone call once and I requested the second time and the manager never call back.
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. (TX)

I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (MO)

I contacted Citibank because of fraud charges by XXXX XXXX and ask them to stop the transaction before money is taken out. After a week of calling for an update they were unable to provide an update and the money was taken out. I provided them with the information requested including the Case No of the fraud report at XXXX XXXX. I have not received any satisfactory resolution after XXXX months of trying. Please help.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC (CA)

Upon checking my credit report, I noticed an auto loan on my credit report that was reported as " late ''. The loan was from an auto company called XXXX XXXX in the amount of {$39000.00}. The account was opened on XX/XX/2023. I contacted the auto loan company to obtain more information and was told the loan was for a XXXX XXXX vehicle. The loan was opened under my name and social security number. However, the address used on file was incorrect. I reported to the auto loan company that this is a fraudulent account and I did not authorize or have any knowledge of this account until now. I did not sign any paperworks related tho this loan. I was informed to contact the credit bureaus to report this loan as fraud.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

I am writing to express my concern and seek clarification regarding a debt reported by Hunter Warfield. Until last Friday, I was unaware of any outstanding debt or even the existence of your company, as I had never received any previous communications or contact information. 

This issue came to my attention only after discovering that my account had been placed in collections, which I learned about through a negative report on my credit history. This unexpected report has adversely affected my credit score and prevented me from endorsing my niece 's student loan application. 

I have attempted to resolve this by contacting your customer service, but my calls have been repeatedly dropped, and my emails remain unanswered. I urgently request your assistance in clarifying this matter and would appreciate a prompt response with the relevant documentation and contact information. 

Thank you for your immediate attention to this important issue.
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (DC)

Div Adj Serv is a collection agency that is trying to collect a debt to which they are not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX XXXX XXXX XXXX. Please remove this collection item from all three reporting credit bureaus XXXX XXXX XXXX XXXX as this is in violation and misuse of my credit report.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (FL)

Jefferson Capital systems has called my work phone on multiple occasions. I have answered the phone and told them that the individual they are calling for no longer has this phone number and to stop calling my number. They refuse to stop calling me, I answer and greet them with my work phone greeting and they hang up, and they will not answer when I call back.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" CHIME '' ( mobile bank ) needs to refund me money that was stolen from my bank account. Theft occurred on XXXX XXXX XXXX XXXX XXXX 

" Chime '' contacted me via phone stating that they did not find any errors with the transaction. It was then that I requested a full detailed investigation report on how the investigation was conducted to determine that there were no errors found with the unauthorized transactions.
Consumer complaint received 2018-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC (CA)

My wife and i refinanced in XX/XX/2018, and our loan started being serviced by Parkside Lending in XX/XX/2018 .The mortgage was transferred to a new servicer XX/XX/2018 XXXX XXXX XXXX .We are in the process of obtaining a home improvement loan, and when our credit report came up it appears we have two open mortgage accounts. This incorrect information is causing a credit hardship. The credit report should indicate the Parkside Lending account as closed since it has been transferred to XXXX XXXXXXXX XXXX, our new mortgage provider.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

i was a victim of Identity thief, which cause my consumer report to drastically effected. I went from an XXXX XXXX Score to a XXXX in my attempt to clean up the mess made, i came to realized that there were many inaccurate information in my consumer report. As is expect base on the law 15 USC 1681 ( a ) ( 4 ) TO insure that the consumer reporting agencies exercise their grave responsibility with fairness. i sent the accurate information along with expected identification and documents ( Drivers license, Utility bill ) to prove that I am the natural consumer submitting this request. 
After XXXX weeks i received a letter from the agency ( Equifax stating that the information that they have does not match and requested that send the very identification that was sent with the first letter, i believe that they are Violating my rights. i have sent another letter and have heard nothing yet
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (SC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (TX)

A hard inquiry was placed on my XXXX credit report on XX/XX/2023. I noticed the inquiry on my credit report on XX/XX/2023 and called the company immediately. I spoke with the manager and she said that she would get it removed. I followed up a few times after this and got the same response. This still has not happened up to this date. I spoke with the national branch a couple of times since as well including today ( XX/XX/2023 ). Today the branch manager is saying that I requested additional funds and approved the hard inquiry. These statements are totally false, and they have no proof of this. They will not remove the unauthorize inquiry, admit that they did not have my permission to run my credit, or provide proof that I requested a hard inquiry.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> I was notified by Wellsfargo that internal fraud had occured on my account. I spent hours on the phone and in a brach to resolve. I was told my account was accessed by a fraud IP address and all my accounts were at risk. My checking account, savings account, XXXX, money transfers and credit card had all been hacked. I was told to change all of my online access which I did, I was told to open new checking and savings accounts, which I did. I was told after investigations that the moneys transferred would be returned. The fraud transactions on my XXXX were returned, the credit card transactions were retruned, the debit transactions were returned. All were investigated and determined to be fraud. All of these transactions happened on the same day. However, the monies transferred to my checking ( {$1000.00} & {$900.00} ) were then withdrawn at an ATM. This was also FRAUD. I have never withdrawn money from an ATM in the years I have been a customer. I was in possession of my card the whole time and no one has access but me. This was done in fraud and I would like my money returned.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken (PA)

I am writing to express my dissatisfaction with the services provided by Kraken Wallet, specifically in relation to the withholding of my funds and the lack of responsiveness from your customer support team. 
On XX/XX/2023, I initiated a transaction involving kraken wallet to withdraw my funds. However, to my dismay, my funds have been withheld without any clear explanation or communication from Kraken. Despite my attempts to seek assistance through your customer support channels, I have encountered a concerning lack of responsiveness, exacerbating the frustration and inconvenience caused by the unresolved issue. 
I believe this situation not only violates the terms of service agreed upon but also raises concerns about compliance with consumer protection laws. In particular, the Consumer Protection Act, Electronic Funds Transfer Act ], which outline the rights and protections afforded to consumers in digital financial transactions.
Consumer complaint received 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-15
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)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (PA)

I am writing to bring to your attention an issue regarding certain accounts on my credit report. 

-- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -- -- - XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

A XXXX party trying to collect for a debt not owed to them! 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.