davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX XXXX XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX and Equifax, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, XXXX has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX and Equifax have already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS.

Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.
Consumer complaint received 2022-05-31
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, also Account # XXXXXXXX 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.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent updated letter to XXXX XXXX and tranuion to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

TransUnion is in violation of the following Consumer protection laws under Title 15 of the U.S. Code ; on Tuesday XX/XX/2022 TransUnion was provided with a Notice of Fault / Affidavit of Truth in regards to the following violations. 

Title 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) 2 Counts Title 15 U.S. Code 1681 ( 2 ) 1 Count Title 15 U.S. Code 1681 ( 4 ) 1 Count Title 15 U.S. Code 1681a ( 2 ( B ) 2 Counts Title 15 U.S. Code 1681a ( e ) 1 Count Title 15 U.S. Code 1681b ( a ) ( 2 ) 4 Counts Title 15 U.S. Code 1666b ( a ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) 13 Counts Please see attached document for a copy of the presentment and US Postal Service Tracking Information
Consumer complaint received 2022-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (GA)

I have tried several of time to work with Westlake financial a my car loan. I have a car loan with a interest rate of 23 %. I have even tried to pay my principal balance down to help pay my car note off and they will not work with me. I have also tried to refinance this car with serval other lenders and they will not refinance because it is a XXXX XXXX XXXX. Due to the year of the car and mileage i am unable to refinance. I have paid XXXX on the car and the car payment has went back up in the last year. Westlake is ripping me off tremendously.
Consumer complaint received 2022-12-18
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: Exeter Finance, LLC. (TX)

XXXX XXXX and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : XXXX Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (PA)

I originally received pre-approval for a mortgage on XX/XX/XXXX and submitted a loan estimate from a competing lender on XX/XX/XXXX which better.com was unable to match or beat. Additionally, Better.com advertises a " Better Price Guarantee ''. Upon speaking to the loan officer, XXXX XXXX, I was told that they need to receive the closing disclosure before the {$100.00} could be disbursed. I reached back out in XXXX ( correspondence included ) XXXX to follow-up on the payment. Better.com still has not provided me with the {$100.00} payment. 

https : //better.comXXXX
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

I opened an Amazon Rewards credit card through Chase bank in XXXX of 2019. 

I opened this card because I make a lot of purchases through Amazon and I would get cash back, and I was under the impression I would have an interest free period for 12 months. 

Apparently I haven't been checking my statement very well, because I just noticed that I was being charged interest dating back since XXXX of 2019. 

The most recent interest charges were on XX/XX/XXXX for {$64.00} and XX/XX/XXXX for {$53.00} ( there were 4 more months I was also charged interest ). 

I called Chase and inquired about this issue ( I spoke with an associated who identified herself as XXXX ). I was informed that I did not have to pay interest on Amazon purchases, but I would have to pay interest on other purchases made through this card. I informed them I found this misleading, for a few reasons : 1. I have paperwork that seems to say I have 0 % APR on my Amazon Card purchases. 
2. I was not charged interest for the first few months of having this credit card, so I assumed the benefits were working as I thought they should. 

I asked if it was possible to have a few of my most recent interest charges refunded. I was told no that was not possible, despite giving me misleading information. 

I told XXXX that I would be filing a complaint with the CFPB and closing my account in the following weeks.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I received my citicard statement and noticed that the previous month 's balance had not been paid. I checked my checking account statement and saw that a payment had not been made for the previous month. I called citicard that I did not recall receiving the credit card statement. I told them that I would pay the entire balance but would like the {$25.00} late charge refunded. I was told that the computer said that I was not eligible for a refund. When I asked why, they would not tell me. Only that the system said I was not eligible. I had never been late before. I had always paid my balance in full, which may have been the problem in that they did n't make enough money on me. However, I feel that I was owed an explanation as to why my request for the refund was denied. I understand that a company will generally refund a late fee one time. Since they refused to tell me why my request was denied, I have no way of knowing the basis for the discrimination in my case. I have since paid the card balance in full and my card has been cancelled.
Consumer complaint received 2022-05-31
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. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX. and XXXXXXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states 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 2022-05-31
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: NAVY FEDERAL CREDIT UNION (NC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I have an account that attached to my mutual account. I asked the rep to transfer my funds in the mutual account. She was rude, also asked for my SS after I used my debit card to verify my account. She asked me sign a paper saying my full account number was the correct acct. But I sign in with my debit card, therefore no other information was required. I also would like to verify the deposit of direct payments from department of Treasury. 

I would like to verify the deposit information. I believe someone have try to obtain my account with fraudulent information. I have a fraudulent freeze on every credit check bureau, so protects me from fraud account being opened or information retained. Therefore, any checks should follow the bureau guidelines. No account or credit should be shared. 

I never received my refund of fees
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (DE)

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  Account # 's 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 2024-03-16
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 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 2022-05-31
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. (DE)

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 Account # 's 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 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (CA)

This was for a credit card with XXXX XXXX XXXX, the card was never received and after numerous calls to have the account closed and a refund issued they have not done so. Calls were made to the merchant on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - XXXX and XXXX. Application approval # : XXXX. 

Application fee for a credit card {$95.00}, and expedited shipping for {$35.00}. 

Call center employees indicated they would send my request to the back office and it would be rushed. 

Filed a dispute with my bank XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-01
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: Continental Finance Company, LLC (AL)

There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- Continental Finance - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX XXXX XXXX XXXX- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- XXXX XXXX XXXX  XXXX XXXX A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX  XXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX  XXXX XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
Consumer complaint received 2023-06-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX account # 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 instruction
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2018-09-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Sortis Financial, Inc. (PA)

The last 12 months, since XX/XX/XXXX to XX/XX/XXXX of my mortgage payments, no match with the Loan History report on same dates. 

Payments sent 12 by {$790.00} each, total {$9500.00} VS. 
The Loan History reported by 12 months, between the balance of XX/XX/XXXX ( {$59000.00} ) to the balance of XX/XX/XXXX ( {$51000.00} ) the amount of {$7400.00} Then, there is a amount of {$2000.00} no accounted. 

The company involve in this complaint is Sortis Financial/ClearSpring ( Phone, XXXX ) XXXX XXXX XXXX Mortgage, loan account XXXX XXXX Note : for this inconvenience i think that my Loan History have several mistakes. Moreover, i had many payments problems with this company. This Server transferred me to XXXX XXXX XXXX on two dates XX/XX/XXXX and XX/XX/XXXX, and the transference is not finishing so far XX/XX/XXXX. 
Consequently, I behind of my payments since XXXX. 

I tried to fix my problem by phone with XXXX XXXX and XXXX XXXX XXXX without success.