davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (IL)

I need this account with XXXX XXXX and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these.

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase! 

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Consumer complaint received 2022-10-31
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. (IL)

I need this account with XXXX XXXXXXXX and XXXX closed immediately! 

They broke some laws : First law they broke is : Sum of all charges USC 1605. The sum of all charges are suppose to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these. 

2nd law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me. I was given disclosure forms to opt out. If they charge me a late payment, they will be in violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report. Also Usc code 1605b, insurance premiums have to be included in my contract but they were not!

3rd law : 15 usc 13 I feel I was discriminated against in terms of price. I was not sold the car at the same rate as someone else. These dealers discriminate based on a persons background not necessarily their credit. Its unlawful for the dealership to discriminate against a person for a purchase!

4th Law : With me being the consumer, I never received any time of payment for this car that's already paid for. I never received cash, check, card, or etc.

5th law : Recission us code With the consumer credit transaction, I am supposed to receive cash in hand, bank deposits, check or etc and i never received anything from the car dealership. 

I am not obligated to pay them anymore money, and I won't be paying them anymore money.
Consumer complaint received 2024-03-22
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

I opened a bank account with XXXX XXXX XXXX XXXX & They Credit Reports Go Through Equifax. & They Have My Birthday Year Wrong But Saying I Do n't Have Any Credit History. How Can I Change That & Where To Send My SS Card? Birth Certificate & My Licenses To Confirm My Birthday Is XX/XX/XXXX and Not XX/XX/XXXX .. I Need It To Be Done Asap So I Can Build My Credit To Get An Appartment.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint has been servicing my mortgage for approximately the last two years. They have repeatedly made mistakes with the escrow payments. This is the most serious. 

1 ) They informed me that the earthquake insurance policy was paid in XXXX or XXXX. 
2 ) I found out it was not. They had never sent a check. 
3 ) XX/XX/XXXX : They sent a check to pay the insurance premium. To the wrong address. 
4 ) Week of XX/XX/XXXX : After being informed that my insurance company had not received any money, they claimed it was still in the mail and I should just wait. I told them that was not acceptable as the policy was going to be cancelled if payment was not received. At this point, I found out they had sent it to the wrong address. 
5 ) They promised me they would overnight a payment to the correct address on XX/XX/XXXX. The tracking number indicates that they provided indicates that they have not done so. Now they are saying they are still waiting for the check to be approved and the earliest it will go out will be XX/XX/XXXX. My insurance policy will be cancelled on XX/XX/XXXX. 

They have fraudulently collected money from me to pay for an insurance policy that they have not paid. 

The latest emails they sent me are attached.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

All credit report agencies are reporting an alleged bankruptcy on my credit report profile. I asked how they verified information, was told XXXX who I then contacted them directly they said they could not validate information and would remove it. I then sent the credit reporting agencies proof of that noticed, they then gave me statement now saying the bankruptcy courts told them about this alleged bankruptcy. I contacted bankruptcy courts and sent all 3 credit agencies notices from the court indicating they did not and yet they refuse to remove this false information. Attached is proof. I need all 3 credit bureau ( Equifax, XXXX and XXXX ) to remove this inaccurate information as my score is being penalized for it.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (NC)

Someone opened a Chime account in my name at my home address, however it was opened in a nickname of mine when all my credit reports are already locked because of fraud. When I called chime they told me they don't have a fraud department and they wanted all my personal info to activate the account so they could have someone email me about it. Ok first off, I don't have anything sent to my home address. Someone tried to murder me seven years ago and I do not want my address getting out so I use a po box for everything. So, the problem is that whoever got ahold of my info, did not have my actual address. Chime opened the account and sent the card to my home address. Now I'm worried that they have given this thief my actual home address. Well, talking to them was the most frustrating experience ever. They kept referring to the fraudulent account as my account and saying things like, " so you're telling me you didn't mean to open the account? '' Hello. What in the actual...? At this point I have no idea if they have closed the account or how many other accounts they have opened fraudulently or if they have just sent this thief a new card or what. Who even opens an account with a nickname? Chime does, apparently.
Consumer complaint received 2024-03-22
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. (NY)

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 XXXX : XXXX Account XXXX 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 2023-05-15
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. (VA)

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. 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
Consumer complaint received 2023-05-15
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-05
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. (MI)

In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : 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 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, 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 2023-05-15
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. (AR)

This is my 7th 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 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 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 2023-06-30
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. (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 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 2023-06-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

The company I originally leased my car from, American Car Center, went bankrupt and sold their company loans to Westlake Portfolio Management. Theyre repoing peoples cars when we cant even sign up online to pay our car notes. They also are picking and choosing what part of our contracts we had with American Car Center they would like to uphold. How are they able to pick and choose or even demand we pay them when we dont have a contract with them.
Consumer complaint received 2023-06-30
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. (NC)

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. 


there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

1. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2016-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mutual Financial Partners (TX)

Mutual Financial Partners XXXX XXXX XXXX will not provide me with any information regarding the debt. I have asked for written proof, but they will not provide it. I received a call from a " locator '' asking me to verify my address to " deliver documents ''. I was originally told that they are called " XXXX '' out of XXXX XXXX. After some research, I found out otherwise.
Consumer complaint received 2024-03-22
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. (FL)

I am a known victim of identity theft. The theft has already been reported and some of the information has been removed. Whoever stole my info went wild and applied for like XXXX accounts in my name. I am trying to rectify this but there was a point in time that I had file bankruptcy temporarily because all the accounts were going to collection and trying to sue me. Now, they do not want to help me. I am not in bankruptcy any more. The credit bureau is not doing right by me and they keep saying the information is accurate even though I submitted the proof that my identity was stolen to them. It has been going on for months and it is costing me lots of money to keep sending the stuff out and to take time off of work to deal with this.
Consumer complaint received 2023-06-30
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. (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 Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.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. 

Accounts : XXXX Account # XXXX XXXX- Account # - XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX  - XXXX- XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : DP OF EDUC 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 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 this 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 2023-06-30
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. (NC)

THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOTPROVIDE WRITTEN PERMISSION OR INSTRUCTIONS FOR THE IDENTIFIED TRANSACTIONS TO BE REPORTED ON MY CONSUMER REPORT. I AM REQUESTING THAT THE REPORTING OF THIS INFORMATION BE BLOCKED AND DELETED. THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER. MY FTC REPORT AND IDENTIY VERIFICATION HAS BEEN SUBMITTED TO YOU ON SEVERAL OCASSIONS. 

XXXX XXXX XXXX XXXX XXXX YOU ARE REQUIRED TO DO WHAT IM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 DAYS FROM THE DATE OF THIS NOTICE. I LOOK FORWARD TO YOUR RESPONSE. 
XXXX XXXX