davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-08
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. (TX)

I have gone back and forth with Transunion about an account reporting on my Credit Report from XXXX XXXX Acct # XXXX in the amount of {$780.00}. I have given documentation and spoke to them and informed them that im not only a Identity Theft victim but a victim of XXXX XXXX forced to do things that i did not want to and beaten when i did not comply. Transunion has taken no consideration into my circumstances, nor do they care in anyway about their customers. They are still reporting a debt that is not mine, and ignoring all laws put in place by the government and FRCA that were put in place to protect survivors of XXXX  XXXX and abuse. They also ignored police and FTC reports claiming that i am a lier. They also have not provided me with any documentation on how they verified the debt was accurate and belongs to me after i submitted multiple method of verification letters certified so i know they recieved them. They have refused to do anything about the fraudulent debt. I am now a single mother who is trying to move forward with my XXXX children in light of what happened to me in the past. Yet XXXX  XXXX in not only a horrible company. They do not care these issues impacting women and victim 's of XXXX  XXXX.
Consumer complaint received 2023-08-07
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to pr

ivacy and confidentiality under 15 USC 1681. 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 2023-08-07
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: Experian Information Solutions Inc. (TN)

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 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # 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 inaccurate.
Consumer complaint received 2023-12-21
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. (TN)

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.

has violated my rights. Or a 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 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have requested removal of personal information  (  addresses & also known as ) 2 times. Both times EQUIFAX has claimed the information was removed ( included all records for proof & showing today 's information ) but when I check my records it 's still listed on my credit report. I need this information removed immediately as it does not belong to me nor have I lived at these addresses ...     Additionally, I have no clue how they go about remove or re-adding information but I 'm sure its a violation of the FCRA. I would like sanctions brought against Equifax ...
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (DE)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 Accounts that are reporting inaccurate information : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX asked for a down payment of {$5000.00} violating 12 CFR 1026.4 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; Also pursuant to 15 U.S.C 1666f it states that with respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously. Therefore, you are in violation of federal laws for EXTORTION me to paid a down payment. 


my right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, also named has failed to clearly & conspicuously disclose my right to rescind ; I XXXX XXXX participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ; Take further notice that 20 days after your receipt of this notice you must return any money, or property given to I the consumer, and also terminate and reflect that termination of the security interest placed on the property which in this case is XXXX XXXX XXXX XXXX XXXX  # : XXXX NOTICE OF RESCISSION Attached also find a power of attorney revocation for this transaction. Now the agent and principal XXXX XXXX has full Power of Attorney in fact over XXXX XXXX and can take any necessary decision if needed. 

I XXXX XXXX has also the full Fiduciary control over XXXX XXXX to represent it in any process and or legal matter.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Yes I have incorrect information reporting on my credit due to identity theft and fraud this has ruined my life and I will like for it to be removed. I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1 [ ... ]
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This account was closed in XXXX as never late. They continue to act as the account is opened. And are reporting to the credit bureau 's as if the account is open. According to them the account was closed on XX/XX/XXXX. The balances are reporting different amounts as well. 


I have documentation and it will not let me upload it. Please contact me with email or link that I can send it to if necessary
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One told me to have a fraud. Somebody sends me the money, but I don't who are they and Capital One frozen all my account, and I can't get my money from my saving account. Now, I can't make a downpayment for my mortgage!
Consumer complaint received 2023-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK (TX)

I applied for mortgage assistance, got approved and got loan modification documents signed and returned along with the payment on XX/XX/23. I called XX/XX/XXXX to give XXXX payment for modification and they would not let me give a payment and told me to wait until the modification is 100 % approved. 
I continued to call 2 times per week to make sure it was accurate and each time I called they said it was correct dont pay it until the plan gets confirmed. 
I got a denial letter this morning for non payment of 1st plan agreement which is false as I wired the money and attached photo below. I called midland mortgage today and they said it must of been a mix up because they see the 1st payment and see the notes of workers telling me dont pay it until your loan is 100 % done.
Consumer complaint received 2024-01-03
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: CLGF Holdco 1, LLC (IN)

I opened this C.C. in XXXX of XXXX with a very small balance of XXXX. I received all of my statements online, until which time I called in XXXX of XXXX when I saw charges including XXXX, XXXX XXXX, XXXX, XXXX XXXX, Internet charges, food charges, and other out of state charges, I immediately called Indigo to advise these charges were not mine, the C.C. advised that I would not be responsible to pay the C.C. bill for 90 days while they did a complete investigation, they advised that I could still be held responsible, for the charges, I advised the last transaction I made was from XXXX in XX/XX/XXXX, for approximately XXXX, I asked at that time if I could just pay my portion of the bill, they advised they needed to complete the investigation, 90 past, and they advised that they would remove only a portion, of the charges would be removed, and I would still have to pay all of the extra interest, they removed a portion of the late fees, but my bill went from being XXXX to XXXX I advised I would I would pay my part the XXXX dollars they advised I needed to pay the entire amount, it was advised they were a sending a new cc, I never received a new card, charges were still showing up on my cc statement, I called indigo and asked them if my new cards were active, and they advised they were not, and at that point realized I was not using my card, it was still being used by someone fraudulently, I again asked if I could pay just my part of the bill and was told I had to pay the bill in full, I was then told they needed to close my account, my account was closed in XXXX of XXXX, and I have not received any cooperation or corespondence from indigo sense, I called indigo XX/XX/XXXX to pay the bill amount that again was my portion and was again told I could only pay the entire bill amount, I was restricted of being able to access my online account so I was not and have not been able to see if any additional charges have been charged, indigo has refused to allow me access to see my online statement or to see any charges, but have claimed to have filed a law suit against me for charges that I disputed 2 years ago. I requested paper copies of the statements and have never received all the requested copies, no cards were activated by me, and I attempted to resolve this by paying the portions of the statement that belong to me, with no resolution.
Consumer complaint received 2023-06-10
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS
Consumer complaint received 2023-04-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

On XXXX I was scammed for a product that I never received. A charge of {$540.00} was billed to my Citi credit card. I kept a detailed report of everything that happened and all the receipts. After contacting Citi to file a dispute, I had conversations with the merchant, Citi Bank, and Citi representations between XXXX and XXXX. I also have evidence that I went back to the merchant to sort it out between us and the merchant lied on their dispute report saying I was happy with the product that I never received. Between now and then, Citi has given me conditional credit for the dispute and reversed the conditional credit twice. This is even despite the fact that I gave a very detailed report with proof that I did not even get the product. After a lengthy email that provided my report and proof was sent on XXXX  I received a notice from Citi Bank on XXXX stating, " Our goal is to provide you with the highest standard of service. We are working with the merchant or merchant 's bank to obtain permanent credit for this charge. If the merchant or merchant 's bank will not accept this charge, we will notify you of the reason. We have re-issued a conditional credit to your account for this dispute. '' Unfortunately, on XXXX I received a letter from Citi Bank that backtracked their decision, placing the responsibility of the payment back on me for a product I never received. In their letter, Citi Bank shares with me that, " The merchant will not honor our request for credit based on the information you provided us. Every effort has been made to secure credit for your account. Since we are unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I am now supposed to pay this hefty charge amount for a product that I never received since the merchant refuses to compensate Citi Bank. I believe this is unfair and unacceptable as my dispute was heavily supported in my favor according to the representatives I have spoken to.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of Identity Theft when my data was stolen from XXXX on XX/XX/XXXX. 
A fraudulent account under my name and social security was opened by an unknown person at XXXX XXXX on XX/XX/XXXX. The account number given to me by XXXX XXXX is XXXX. 
The claim filed against me on XX/XX/XXXX, was issued by XXXX XXXX XXXX XXXX for the amount of $ XXXX numerous calls to XXXX, and their refusal to help, they referred me to the Law Offices of XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I filed an Identity Theft Report with the State of Florida XXXX XXXX of XXXX, XXXX XXXX XXXX, report number XXXX. 
I have also filed a report with the www.identitytheft.gov
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I did not consent, benefit or authorize from any of the following : BANK OF AMERICA XXXX {$4600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX {$5300.00}
Consumer complaint received 2024-01-03
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. (TX)

XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). These accounts I am demanding your PROOF, you legally HAVE to provide to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. You have failed to provide any PROOF of validation to me. Best Regards, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

After being released from XXXX  in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my incarceration due to my prior living arrangement. I contacted XXXX, Equifax, and XXXX via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.