davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (CA)

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/2020 XXXX XXXX  Unsecured loan account # XXXX opened on XX/XX/2020 XXXX XXXX XXXX Auto Loan account # XXXX opened on XX/XX/2020 Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (AZ)

They closed one of my accounts with no balance on it due to inactivity. I have two accounts with them. One has a balance and one didn't. The last payment was made in XXXX of 2021 so the activity was less than a year ago. 

What they did is going to be very destructive to my debt to credit availability. It will cause my credit score to plummet. This is a snowball effect. Once this happens it will trigger other card to perhaps close accounts that I am not using and also cause other cards to lower my limit to my debt. This will send my credit score further plummeting. My current credit score is a XXXX. 

I rely highly on my credit as I am in real estate and work with lenders all of the time. I make my payments on my debt all of the time. I had a {$7800.00} credit limit with no debt on it. My card was not activated bc I didn't have it. There was no curtesy call, nothing. They emailed me XXXX hour before they closed. Then they say there is nothing they can do but have me reapply for credit. So I did. They denied me. Now I have another inquiry on my credit. 

They are going to cripple me for what I do in business by causing me a multitude of problems.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (IN)

On XXXX, I purchased some XXXX XXXX Gift Cards from XXXX. Sometime between XXXX XXXX XXXX I tried to use them, but I was unable to use the cards. I found that the cards were compromised even before I purchased them. This company told me to FAX a copy of my ID, copies of the receipts and copies of the both front and back of the compromised gift cards. I sent the FAX on XXXX. 

The company acknowledged they received my FAX, however, they said the copy of my ID was illegible, so I have to send FAX again. I had to spend {$8.00} at XXXX to send FAX. I now have to spend more to get this problem solved. If I was at fault, I'm OK with that, but this company was the one who sold me the compromised card. These compromised cards should have been blocked and should have never been activated to begin with. In addition, I've called XXXX several times and talking to the customer service was hassle every time.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-02-03
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lazega & Johanson LLC (GA)

THIS IS A FOLLOW UP COMPLAINT REGARDING XXXX XXXX XXXX AROUNG XX/XX/XXXX I REQUESTED THE INFOMRATION BELOW : I PREVIOUSLY CONTACTED XXXX XXXX CREDIT CARD FOR THE PURPOSE OF OBTAINING ALL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY XXXX XXXX  WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. XXXX ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST LAZEGA AND JOHANSON LAWFIRM. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!
Consumer complaint received 2023-01-17
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. (CA)

The Transunion is not conducting an investigation and has disregarded my request. I checked my credit report and still the bankruptcy that I have been complaining still reflecting on my credit report. The XXXX XXXX bankruptcy is erroneous. The Transunion failed to provide proof of the investigation which I have been requesting for several times.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (AZ)

To whom it may concern, I am asking to please help out with Wells Fargo Credit card by removing my 30 day late payment off my credit because that late payment keeps my credit low. 
Thank you
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I submitted a pre-approval application for a car loan with Capital One Auto Finance on XX/XX/2022. I was informed by Capital One that they were unable to provide me with an offer. I received an adverse action letter, as defined by 15 U.S. Code 1681m, stating that I was denied due to " excessive obligations in relation to income ''. As stated in 15 U.S. Code 1691 ( a ), it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The adverse action letter that Capital One provided clearly demonstrates that I was discriminated against as a federally protected consumer. An adverse action, as defined in 15 U.S. Code 1691 ( d ) ( 6 ), is a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. This further supports the fact that I was violated as a federally protected consumer under Title 15 Chapter 41 and that it is unlawful to deny me an extension of my own credit. It has been more than 30 days since I sent a letter to dispute this adverse action and I have yet heard from Capital One Auto Finance.
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: EQUIFAX, INC. (GA)

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

XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # 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 bymore than seven years.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

We submitted three individual checks for deposit by mail in the total amount of {$9100.00}. The bank, Simple Bank aka BBVA Compass Bank, notified us that they were unable to deposit the checks on XX/XX/19 and stated that we would be sent the checks, along with a statement explaining why they couldn't be deposited. 

The checks were paid to us from the State of California for XXXX  XXXX, so we were surprised that there was even an issue with the checks. 

We have yet to receive the checks and the bank is claiming to not know where they are and are refusing to do anything about it until the checks show up somewhere. 

We have tried numerous times to get any news from the bank but they have repeatedly been stonewalled and given no info.
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc. (CA)

Self XXXX XXXX has continued to harm my credit. I never opened the card. It is not my debt. I have sent them certified letters to remove this off my credit score they are refusing to do so. I dispute this at least three to four times a year and all three agencies are automatically verifying debt. This is unfair to me. I have a fraud alert set on my account now but this is harming me now 4 years. Please help me.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the Experian site and asked for a credit freeze. I could only get one if I paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. Experian had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called Experian and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with XXXX. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called XXXX, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.
Consumer complaint received 2021-06-29
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. (IA)

On XX/XX/XXXX, XXXX reviewed my credit report and noticed that Equifax was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.
Consumer complaint received 2023-02-03
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. (FL)

XXXX5 USC 1681 Sec 604 Permissble purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize the following inquiries on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not provide me with the original application or a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have asked Equifax, XXXX  & XXXX  to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document, these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this debt as being valid and verified.

I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several accounts on my credit report that are not mines. It seems someone has my information and has been getting and applying for credit in my name. 
The fraud accounts is listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked XXXX, XXXX & Transunion to properly verify the debt that is being alleged from XXXX. They are not requiring the company to send me the correct and full documents including the 8 page contract, addendums, their agreement with XXXX to pursue collection, and their licensing number, that I am requesting from the company before reporting it as verified and mine. 

I have requested XXXX Debt collection to provide me the FULL & ORIGINAL contract from the alleged debt because the the full and original contract would have the CORRECT amount of fees that should have been charged and that they are calculating into the amount that is supposedly owed, what they have sent me is missing multiple addendums, for example ; the Early Termination Addendum ( which they have charged a termination fee of {$1000.00} for ) ; the Trash Addendum ( which they have charged {$30.00} + $ XXXX-valet for although the lease has no fee listed for charge ) ; the Move Out Cost addendum ( which would explain the cost for item removals, that they have charged {$400.00} for ). 

I also asked that the require the company to send proof/documentation of other fees charged like the need to charge an additiional late fee of {$60.00} and a mischarge of {$120.00}, and also {$2600.00} for a reletting fee if the lease they have provided as proof only lists a reletting fee of {$1100.00} listed in section 10 Page 1 of 8 of the contract that is missing the remainder of the contract! 

The dates on the contract they have sent also have different days of signing, one saying XX/XX/2015 while the other says XX/XX/2015, with my social security being written in the About you Section clearly with a different handwriting than the rest of the document,these ambiguities warrant the need for the FULL 8 PAGE CONTRACT INCLUDING ADDENDUMS and other said proof of charge discrepancies before they can prove this  debt as being valid and verified. 
I also never received an official notice of debt including subsections A ( 3 ) ( 4 ) ( 5 ) that is required with the validation of debt according to US CODE 1692.gValidation of Debts. 

I have attached the said and incomplete debt validation/verification that the reporting bureaus are allowing procollect to continue to report, without being able to provide the full, and accurate contract and other requested documents.
Consumer complaint received 2023-06-07
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-03
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)

15 USC 1681 Sec 604 Permissble purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not authorize the following inquiries on my consumer reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not provide me with the original application or a wet-ink signature under the penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have a right to privacy.