davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : 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 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Capital has reported to credit reporting agencies that I owe an alleged debt and that it's been charged it off and closed the account without ever verifying anything with me including sending the identity of the original creditor and an original lawful contract to validating this debt is indeed mine. This is in direct violation of the FDCPA and is a defamation of character as this information has negatively impacted my scores and caused great injury.
Consumer complaint received 2023-09-27
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: CITIBANK, N.A. (IL)

I previously submitted several disputes with XXXX regarding these inquiries, and after investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for them to access my credit file. 
I believe it is essential for me to receive this documentation as it is my right to verify the legitimacy of these inquiries. Without this proof of authorization, I insist that these inquiries be promptly removed from my credit report, but XXXX consistently refuses to remove them and to provide me with documentation from the creditor. XXXX customer service representatives stated that they do not provide documentation from the creditors. I asked how they verify that what they are reporting is accurate, and I was told they rely on a response from the creditor stating it is valid but no documentation. They are violating my rights.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have recently discovered that my income has been wrongly included in my credit report, which is a violation of the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
I would like to draw your attention to the Internal Revenue Service ( IRS ) guidelines regarding the reporting of cancelled debt as income. As per the instructions found in the 1099-C form for the debtor, cancelled debt is required to include the amount as my income.INCOME is not be reported by consumer reporting agencies. However, I have noticed that this incorrect reporting of my cancelled debt which is my income has occurred on my credit report. Accounts that are to be removed are as follows ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
This error made by the consumer reporting agencies not only misrepresents my financial situation, but it also has significant consequences for my creditworthiness and financial standing. I believe that this misinformation may lead to potential adverse effects, such as denial of credit, higher interest rates, or inability to secure loans or housing.

In light of this issue, I kindly request your intervention to ensure the immediate removal of this inaccurate information from my credit report. I am aware of the rights and protections granted to me under the FCRA, and I trust that the Consumer Financial Protection Bureau will act accordingly to rectify this situation.

I have attached copies of the relevant documentation, including the 1099-C form as per the IRS guidelines , to support my claim and provide evidence of the inaccurate reporting. I kindly request that you investigate this matter promptly and take appropriate action to correct the error.Please note that there is no federal law stating that I have to give my SSN to a consumer reporting agency to prove who I am. I have attached my ID.
Consumer complaint received 2023-09-14
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. (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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2023-09-14
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. (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 XXXX Account Number : XXXX 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 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

In XXXX around the XXXX, American car center, American Financial, in Tennessee shut down. And fired all of it's workers, these employees were entering false information into their system to include payment dates this result led to customers accounts being charged late fees at extremely high interest rates, not only that but had customers running around tryig to pay their car loans and not leader 's to third parties to include convent  stores in neighbor 's a list was given out where you could go but when you got to these stores and used the account number given it did not exist or they couldn't find in example XXXX, XXXX and many others end result all accounts were charged. as being late and intentionally reported as such. Fast forward without any notice accounts had been sold without the knowledge of any account holders to Westlake portfolio management. They couldn't set up their web site when you went there it wouldn't work. They received my money but lied and said that they didn't have payments that was sent to California via post office then they switched to say that the paperwork was a lease. But it was a contact and at the end of the contract with XXXX payment 's I would own the vehicle. Not lease it but own it when they acquired mine there was only XXXX remaing on it then I would own the car I had paid and not missed a single payment for 4 plus years at every 10 days I would pay, now deception. They stated that they haven't received a payment from me in 52 days and repossessed my car, but the money orders were sent to them by the united states ' post office now they are asking for XXXX to get the car back after I have already put XXXX plus had to repair the car out of pocket because they would not repair it although the contract said that they would, at the time of the purchase I was told to go to the gas station because of low fuel the car broke down, then it had to be towed, then a major engine problem that cost me XXXX to fix because American car center American Financial would not instead they wanted me to take out an additional loan with them to fix their car that I was buying not leasing, buying and leasing at the same time if that makes since, reckless conduct and deceptive practices as of XXXX XXXX XXXX Westlake portfolio management had my car pulled from my driveway for none payment they switched it from being a loan to a lease and stated that it ran out in the XXXX of XX/XX/XXXX from XX/XX/XXXX, but they have been getting my payment and they told me that they got it on the XXXX of XXXX but I sent it on the XXXX  then they stated that it was posted on the XXXX, yet they got it on the XXXX according to the post office. Making it late mind you
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-20
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. (IN)

Since last year, I have been trying to get two XXXX XXXX accounts ( ending in XXXX & XXXX ), that no longer belong to me, removed from my credit reports without success. As they are no longer joint accounts, I am no longer liable for any of the transactions, charges or balances on these two credit card accounts. 

XXXX XXXX has been notified, both verbally and in writing, multiple times in XXXX & XX/XX/XXXX, while both accounts ( XXXX & XXXX ) were in good standing, to remove me from two credit card accounts as a co-applicant, authorized user, or in any other way even if it meant closing both accounts, which they eventually were. 

Experian has been provided copies of the written correspondence sent to XXXX XXXX  instructing them to remove me from those two accounts. To this day XXXXXXXX XXXX  has ignored all of my attempts and failed to comply with my explicit instructions. 

PLEASE REMOVE THESE TWO ACCOUNTS FROM MY REPORTS NOW. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2023-09-14
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. (OH)

XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft.
Consumer complaint received 2022-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (WI)

I was using chime more than one year. I have all my paychecks that i deposited into chime account. I talked to their customer service and they did not give any information why they suspended my account. My checking account balance was {$68000.00}. I sent all my documents to their emails and no body was responding to me. They kept my money by force. Because they dont want answer why they suspended my account.
Consumer complaint received 2024-04-03
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX XXXX XXXX Credit Report Credit Summary Personal Information All Accounts ( 57 ) +57 ( New ) -0 ( Deleted ) Derogatory Accounts ( 6 ) +6 ( New ) -0 ( Deleted ) Public Records ( 0 ) +0 ( New ) -0 ( Deleted ) Late Payments ( 1 ) +1 ( New ) -0 ( Deleted ) Inquiries ( 15 ) +15 ( New ) -0 ( Deleted ) Creditor XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX  New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MORTGAGE SOLUT New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Credit Bureau Inquiries Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : EQUIFAX MTG New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, EQUIFAX XXXX XXXX permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2023-06-20
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. (WI)

My wife and I rented a Property XXXX XXXX in XXXX XXXX, FL through XXXX for XX/XX/XXXX through XXXX XXXX, XXXX. We used our Citibank Credit Card to make a payment of {$1000.00} on XX/XX/XXXX. We used the same card to make a payment of {$870.00} on XX/XX/XXXX for a total payment of {$1900.00}. When we arrived at the property at the property on XX/XX/XXXX, we found that the owner had grossly misrepresented his property claiming it was right on the beach when in fact you could not even see the beach from his property. As soon as we arrived, we contacted XXXX to voice our displeasure and were told that we had to contact the property owner and work with him to get our money refunded. We tried to contact the owner numerous times and finally spoke with him around XXXX XXXX We told him of our displeasure and that we felt he had fraudulently listed his property as something it wasn't. He told us that if we stayed overnight, he would meet us at XXXX XXXX the next morning and consider giving us a partial refund. Given that we had no other place to stay, we agreed. On XX/XX/XXXX, he did not show up. I reached him by phone later that day and he stated that he was very busy and did not know when he would be able to meet us. After that phone call, my wife and I decided to leave his property and drive north to see if we could find another property to stay at. We also filed a dispute with Citibank for the second payment of XXXX because it was still within the 60 day timeline in which to file a dispute. We knew that we had already forfeited the {$1000.00} we paid in XXXX, XXXX. In addition we filed a complaint with the XXXX XXXX XXXX  against XXXX because they advertise a Booking with Confidence guarantee and we felt they had not properly vetted this property listing or the owner. On XX/XX/XXXX XXXX refunded the XXXX fee that they charge for using the service. This was not a partial refund from the owner. I am attaching various documents detailing the correspondences we have had with the Citibank dispute center. 

We have jumped through every hoop they have asked us to jump through and provided the necessary paperwork they requested and yet still they are not doing anything about this fraudulent charge. As a last resort we are contacting you in the hopes that we will be able to get this resolved.
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NY)

I have repeatedly requested a full payment history broken down by interest and principal and have yet to receive a response weeks later. Newrez is the new servicer that took over for caliber home loans.