davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
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)

I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for no corrective actions taken on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.
Consumer complaint received 2022-11-26
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. (NC)

XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, XXXX, & TransUnion ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] XXXX : ( XXXX #. XXXX Reported XXXX {$9000.00} ) & ( XXXX #. xxxxxx XXXX Reported XXXX {$10000.00} ) & ( XXXX #. # # # # # # XXXX Amount {$340.00} ) XXXX : ( XXXX #. XXXX XXXX showing {$9000.00} ) & ( XXXX #. XXXX Balance showing {$10000.00} ) & Names that are not mine ( XXXX XXXX Name ID # XXXX ) & ( XXXX XXXXXXXX Name ID # XXXX ) Inquiry on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) TRANSUNION : XXXX XXXX #. XXXX XXXX showing {$9000.00} ) & ( XXXX #. XXXX XXXX showing {$10000.00} ) VIOLATIONS : 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.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, XXXX, and TRANSUNION have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.
Consumer complaint received 2023-02-18
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: CITIZENS FINANCIAL GROUP, INC. (OH)

Contacted XXXX XXXX on XXXX XX/XX/2023 and was forwarded to Chairman 's Office. 
Received e-mail from XXXX XXXX in Chairman 's Office on XXXX XX/XX/2023. 
Responded to e-mail to XXXX on XXXX XX/XX/2023. Received voicemail from XXXX on XXXX XX/XX/2023 and responded. No response to e-mail as of XXXX XX/XX/2023. 
Received and responded to a separate voicemail on XXXX XX/XX/2023 without response.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

Sears/ Citi retaliated against me for a prior complaint and closed my Sears Mastercard account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( https : XXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the fiduciary debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023, all three credit agencies received a credit letter requesting an investigation on my credit report and also requesting a n original credit contract which they should have on hand. I did not receive an original contract and I have proof of them receiving this letter with proper identification.The law that backs this Disclosurestoconsumers [ 15U.S.C.1681g ] ( a ) Informationon file ; sources ; reportrecipients.Everyconsumerreportingagencyshall, uponrequest, andsubjectto610 ( a ) ( 1 ) [ 1681h ], clearlyandaccuratelydisclosetotheconsumer : Paraphrase : Theinformationinthecreditbureausfiles ( notthecreditorsfiles ), mentionedabove, istheinformationthattheystoreintheircomputerbaseoneveryconsumer.Then610 ( a ) ( 1 ) [ 1681h ] identifiestheproperidentificationrequired ( driverlicenseandSScard ) +awrittenrequestbytheconsumer.Basicallyitsaysthatifaconsumerasksthecorrectway, inwriting, andhasproperlyidentifiedthemselves, the3bureausarerequiredtodisclosetotheconsumerexactlywhatdocumentsarestoredwithintheircomputerbasethatwereusedtoverifytheinformationthatisbeingreportedonthem.Theyrefusetoshowyouanythingbecausetheydonthaveanythingintheirfilestoshowyou.Insteadtheytellyoutorequestthesedocumentsfromtheoriginalcreditor.I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 " which states " it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. 15U.S.Code1681e-Complianceprocedures ( a ) Identityandpurposesofcreditusers Everyconsumerreportingagencyshallmaintainreasonableprocedures designedtoavoidviolationsofsection1681cofthistitleandtolimit thefurnishingofconsumerreportstothepurposeslistedunder section1681bofthistitle.Theseproceduresshallrequirethatprospective usersoftheinformationidentifythemselves, certifythepurposesfor whichtheinformationissought, andcertifythattheinformationwillbe usedfornootherpurpose.Everyconsumerreportingagencyshallmakea reasonableefforttoverifytheidentityofanewprospectiveuserandthe usescertifiedbysuchprospectiveuserpriortofurnishingsuchusera consumerreport.Noconsumerreportingagencymayfurnishaconsumer reporttoanypersonifithasreasonablegroundsforbelievingthatthe consumerreportwillnotbeusedforapurposelistedinsection1681bof thistitle. ( b ) Accuracyofreport Wheneveraconsumerreportingagencypreparesaconsumerreportitshall followreasonableprocedurestoassuremaximumpossibleaccuracyofthe informationconcerningtheindividualaboutwhomthereportrelates. Byviolatingsection1681bforpermissiblepurposeand1681cforinformation containedinconsumerreportstheyarealsoviolatingcomplianceprocedures underthistitle.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX 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 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (FL)

I took out a title loan. I was paying every months, until I received fraud on my account. I was told to check for any data breaches. The data breach came from the company I received the title loan from. I sustained financial damage and losses due to the breach which cause me to be hind on my account by one month. The next month the same company who had my data breached, repossessed my XXXX XXXX.
Consumer complaint received 2023-09-13
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. (TX)

I am writing to report unauthorized hard inquiries on my credit report that I did not initiate or authorize. These unauthorized inquiries have negatively impacted my credit score, which may subsequently affect my financial opportunities. 

1. Details of Inquiries : On XX/XX/2023, I noticed XXXX unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXXXXXX XXXX XXXX XXXX 

2. Immediate Actions Taken : I promptly contacted all the credit bureaus involved. XXXX was cooperative and removed the unauthorized inquiries within XXXX hours of my request. 
However, when I reached out to TransUnion and XXXX, I faced challenges. They suggested I contact the creditor directly for a dispute letter, a step I found unnecessary given the unauthorized nature of these inquiries. 

3. Additional Concerns : Despite my efforts to resolve this with TransUnion and XXXX, their processes and timelines seem prolonged, which increases my concern about the undue negative impact on my credit standing. 

I'm looking for an expedited resolution to ensure my credit report accurately reflects my financial behaviors. Given the immediate effect these inquiries can have on my credit score and the potential long-term implications, I believe swift action is required.
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-09-13
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. (FL)

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : XXXX. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiry : XXXX XXXXXXXX XXXX  Inquire Date XX/XX/XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX, XXXX I was charged for two rooms in a hotel, when I actually only reserved ONE. My credit card was charged for the two rooms, and I was alerted by the hotel staff that it appeared that I had reserved two rooms, and I assured them I only needed one room. Since the room was booked through a third party, the hotel could not resolve the issue. I disputed the charge through the credit card issuer, and they kept using the wrong amount in dispute, and I had to amend the claim at least 3 times. After collecting my documents, I determined that I was overcharged by {$340.00}. Each time I amended the claim, it was denied, based on some time frame that was past due for resolving such claims. When I asked the CSR why, at no time, was I informed of the time constraint? They could only tell me that they were sorry, but they could not help me. I took me some time to track down some of the documentation also. I was advised to contact the third party, which I did, and I was told it wasn't their problem, it was the card issuer responsibility! Same old finger pointing! I feel as though {$340.00} was taken out of my pocket, and no one seems to XXXX XXXX XXXXXXXX about making me whole.
Consumer complaint received 2020-03-16
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. (MI)

XXXX, XXXX  Transunion and XXXX  doesnt have permission to report on my credit report the information inaccurate and I requested it to be removed Bankruptcy Court doesnt report to these companies however the searches for public reporting and they add information to my credit report third party billing company
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (AR)

Name on account was wrong birthday and SSN were correct, but information was stolen and charged when I was not the one to do so. 

Company was called multiple times and sent me to collections for an amount that I did not owe, after calling and speaking to them multiple times, they told me they would close the account in XXXX of XXXX. The account went into review and they said it would be 60 days and that a letter would be mailed out stating the account on my credit report may not be mine and was under investigation so that I could get a loan I was needing. The letter has not made it here and it has now been over 20 days since I requested it. They stated they were not able to send a digital copy even though the XXXX call was the third one to the company. 

Company has still not contacted me, but has convinced the XXXX credit bureau of the accuracy of the account, even with the internal investigation of their own still pending. 

XXXX Credit bureau was able to take the charge off status off of my report, but it seems there needs to be more information sent to XXXX, although I can not provide it because the company has not sent me any information on it and the National Identity Theft Reporter is not enough for XXXX, or American Express.
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (FL)

My vehicle was repossessed last Friday, XX/XX/XXXX without ever being contacted from Westlake Portfolio Management. I came out for lunch and the vehicle was gone. I contacted them and they told me the last time they called me was in XXXX. I have contacted them many times after I saw on the news that American Car Financial was taken over by them. I never received anything from them advising they took over. When i asked, they said American care Financial was suppose to contact their Clients. They had no answer why I was not notified prior to the car being picked up. I have been at a inconvenience, XXXX XXXX, had to walk that day over a mile, take multiple XXXX to get to work and my grandkids not being able to get to their bus stops for school. First they told me, I would have to just pay {$1000.00} and I told them I was going to file a complaint because I have to be notified prior to a repossession and given the right to cure and I was not. Then they said I need to pay {$640.00}, which I paid on Monday, XX/XX/XXXX. It is XX/XX/XXXX and I am still getting the run around with them saying the paperwork is not processed yet. The Repo place just put you on a automatic long hold, XXXX. I have been holding for 2 days. They indicated they have not received anything from Westlake portfolio Management. I just contacted them and was told they will forward the paperwork today and to contact them back later. I have never received a call, email or letter from Westlake Portfolio. I am very angry at the whole thing, they have no regard or answers as to why the vehicle was taken without any contact or notification to me. When asked they go silent and start talking about something else. They should be made to bring it back to me, refund the payment I made and waive payments due to the inconvenience it has caused. they said they were going to send paperwork out today when I called, but its way after the fact..
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (NM)

On XX/XX/XXXX, I applied for and was approved for a Discover Card. In the application I aske for a balance transfer of {$7000.00}. I was approved for the card and given a {$2000.00} credit limit. There was no mention of the transfer balance. 

On XX/XX/XXXX, I noticed a {$1900.00} payment on my XXXX XXXX credit card. This was the account that I had requested the {$7000.00} balance transfer. I never requested a partial balance transfer and that option was never mentioned. I called Discover and they confirmed that the partial balance transfer was made and there was nothing they could do because the payment had already posted. The suggested that I call XXXX XXXX and ask for a refund and then pay the balance on the Discover Card account. 

I never asked for a partial balance transfer and I have not activated the card! I am going to call XXXX XXXX and request the refund, however, I am not very hopeful that they will accommodate me.
Consumer complaint received 2023-11-04
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. (IL)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$630.00} XXXX {$9900.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX {$8400.00}