davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (SC)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2021-09-20
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: EQUIFAX, INC. (AK)

Inquiries that are unauthorized and need to be deleted are XXXX XXXX XXXXXXXX ( 2020 ) XXXX  ( 2020 ) XXXX fraud dept customer service was unhelpful and refused to delete the negative inquiries reporting to my credit report.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (MI)

I attempted to get my credit report from XXXX XXXX XXXX and credit karma but was unable to log in to either with my information. An error with the information is what showed on my screen. I seek a way to manually update a persons information and verify themselves with the credit bureaus so that she has access to my information.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Google Compare Credit Cards Inc. (GA)

XXXX XXXX was contacted by phone XXXX. I spoke with 'XXXX ' who said they would call back on the landline I was speaking over. When 'XXXX  ' returned my call I was told yes my e mail address had been hacked and it would cost $ XXXX a year to block it. I will attach a screen capture of what appears to be eastern XXXX dating sites I have never contacted. Prior to 90 days ago, the only return for a search of my e mail address was two family DNA sites. The sites added approx. 90 days ago show bolded " XXXX XXXX XXXX '' and all contain gibberish word salad that anybody would realize are malware sites. I have filed complaints with FTC and FCC ( file numbers attached ) and XXXX ( attached ) and have received nothing but auto responses. On XX/XX/XXXX I attempted a 'Who Is ' search of the two domain names of these 6 slanderous sites use of my e mail and found they had all been " redacted for privacy '' as of XX/XX/XXXX. 
I have used this e mail address since approx. XXXX while using XXXX as dial up ISP to sign onto XXXX. XXXX XXXX has not been involved in E mail for years, I have used XXXX since I first got a computer and Malwarebytes BLOCKS all attempts to access '.club ' sites. All of these 90 day old sites are .club. This is slander, libel invasion of privacy and RANSOMEWARE by 'XXXX  XXXX at XXXX XXXX .
Consumer complaint received 2022-09-17
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. (OR)

Approximately, earlier this year we opened a new credit card for our purchases. We closed the Costco Anywhere Visa Card from Citi and waited for charges to clear. All payments were made on time. I noticed a recurring charge from XXXX. We were already paying XXXX  from a separate account. I called XXXX and we went over every account in the house, tv by tv, to discover which tv was being charged. None in the house were being charged including handheld personal devices, phones, laptops, and XXXX. 
This prompted me to file a dispute to charges on my credit card with Citi ending in XXXX and later reissued to end in XXXX. 
A short time later, the dispute was refunded to our account and I asked for a refund since the account was closed. That refund was sent to us. I deposited it in our account and considered the matter and account closed. 
In XXXX, I get an email from Citi stating that we have a balance, and my statement is available by the email link. At the time, I ignored the email, thinking that the company made a mistake and they will correct it over time. 
On XX/XX/XXXX I get another email that says I have a balance of {$490.00}. I notice that the balance is increasing. It also states a minimum payment of {$75.00}. 
I contacted Citi customer service on XX/XX/XXXX at approximately XXXX XXXX  XXXX. 
I was told that a portion of their company that handles disputes changed their decision and that I was notified in XXXX by paper statement and electronic statement. I have NOT EVER received a paper statement. I stated to the representative that I can not access this information I no longer have the credit card number ( which would allow me to recover my online id and eventually password ). The representative then stated that she could change me over to paper statements delivered to my home. That seemed like an odd thing to say if I was getting paper statements as stated by the representative previously. 
Regardless, a paper statement is being sent which will arrive in 7 to 14 business days according to the representative. 
I also asked that all late charges on this account be suspended until this issue is resolved. 
Not sure where to go with this next. I feel like I did all the steps I was supposed to do. Citi made their decision and refunded the amount. We closed the account and moved on. Then CITI changed their mind and recharged us again. They also failed to provided notice except by email of a statement we couldn't access. They also did not mail to us a copy of their decision to change their mind on the issue. No even sure how that is allowed. 
Can provide more detail when the statement arrives. Will also be asking for an explanation in writing of the change in decision on our disputed charges.
Consumer complaint received 2021-09-20
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several fraudulent accounts that have appeared on my credit report. It has come to my attention that these erroneous entries are tarnishing my creditworthiness and standing, posing a grave injustice to my financial integrity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

The response to CFPB XXXX : XXXX states " the merchants decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. As a result, we re-billed the disputed transaction '' -- -- -- The merchant never made any terms or conditions of sale available to me -- -- -- Merchant sold a car he did not own, and to this day I do not have title to the vehicle and I suffered a significant loss to address the issues with the other vehicles.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX XXXX I received a credit decision from Capital One stating that I was denied an approval for the platinum MasterCard.

16 CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.

16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

I identify as a consumer and I was seeking goods and services for personal, family and household use. Title 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I provided capital one with the numbers off of my social security card.

Title 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

I the consumer have have open end credit plan in which Capital One denied me.

Title 15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
By Capital One telling me that I was denied something that I as a consumer by Federal law have access to was verbally abusive to me.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I tried to apply for a credit card with Synchrony XXXX to purchase appliances for a home renovation project. The application was misleading and confusing. We own the home we are renovating, but currently rent another home. I put that we own a home and listed my current residence as our address. My husband and I both have credit in the high 700s, so I can only think that the address problem was why we were denied credit. 

When I called to try to resolve the problem, Synchrony could not advise me on how to properly apply given our situation. I was advised to just keep trying until it goes through. I don't want a bunch of hard pulls and declines on my credit report, so this really isn't a solution. Synchrony should have a clear and non-misleading application. Given that this a home improvement product, there must be other consumers in the situation of owning a home and renting elsewhere. This should not lead to a credit rejection.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (OH)

In XXXX of XXXX, I leased a XXXX Kia from Kia Motors Finance through XXXX XXXX XXXX in XXXX, Indiana. After one payment, I bought out the balance of the lease. Since I am an Ohio resident the dealer explained that they were required to collect the Ohio sales tax in the amount of {$2000.00} and forward it to Ohio. They collected the {$2000.00} from me at that time. They did not forward the collected tax to Ohio! Therefore, when I registered the XXXX and purchased license plates, I had to pay the Clerk of Courts in XXXX County, Ohio the {$2000.00} sales tax. 
I contacted Kia Motors Finance requesting a refund of my original {$2000.00} early in XXXX. After several calls over the first three months of XXXX, they sent a check for {$2000.00} datedXX/XX/XXXX directly to me. However, the check was made payable to the Clerk of Courts. Obviously, I couldn't cash it. As I expected, the Clerk of Courts wouldn't accept it and give me the cash. 
Over the last five months, I have made one or two calls each month and mailed or faxed three sets of documents to Kia Motors Finance showing proof of the tax payment to Ohio and each time I have requested a refund. During the first three calls, I was told each time a check would be mailed to me within 3-10 days. The last two months, I was told that Kia Motors Finance can only issue checks to Clerks of Courts so they have no way to refund my {$2000.00} to me!
Consumer complaint received 2021-09-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/2021, XXXX XXXX XXXX XXXX XXXX ) forbearance is terminated as of XX/XX/2021, requested Wellsfargo for a loan modification ( Hardship ) due to XXXX was injured on his job an placed on limited duty, that prevent XXXX to resume XX/XX/2021 payment. 
On XX/XX/2021, XXXX contract Wellsfargo for a follow up due to notice that was initiated by Wellsfargo dated XX/XX/2021. Wellsfargo representative with a name of XXXX XXXX declared that as of XX/XX/2021, XXXX application was approved, XXXX requested for a copy, the Wellsfargo representative was unable to provide documentation.
Consumer complaint received 2021-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: PNC Bank N.A. (FL)

I have been deemed XXXX  and XXXX  XXXX and live on a fixed social security income. All of my other student loans have been forgiven based on this XXXX except PNC, which does not offer forgiveness for this issue. They are requiring an unrealistic repayment plan. I have spoken to the servicer and the bank itself who told me pretty much to bad. This is discrimination against the XXXX, not only me but every other person that may have become XXXX/XXXX  XXXX.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XXXXXX/XX/XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove These following inquires Immediately. 

I also request that XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.
Consumer complaint received 2023-02-09
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)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-02-27
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. (UT)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # No number 15 U.S.C 1681 section 602 a. States I have the right to privacy.

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

15 U.S.C 1681 c. ( 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 the records of convictions of crimes, which antidote the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable caused believe that the information is an accurate.