davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Collection Agency Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX, Collection Agency Name : XXXX XXXX In accordance with 15 USC 1692g, I , XXXX XXXX, a consumer , am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

In accordance with the fair credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2022-05-24
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. (TX)

XXXX/EQUIFAX reports inaccurate and false information here are the following : XXXX XXXX XXXX XXXX ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX  XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # XXXX
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have duplicate accounts and unauthorized inquiries.
Consumer complaint received 2015-04-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (GA)

I was not properly notified of a debt that I am willing to pay. I never was mailed a bill or able to settle my account which I would have willingly done. This only came to my attention when the debt hit my credit report, 9 months after the collection agency reported they received it. The company stated it was illegal to deletethe account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Ive contacted Equifax regarding the account of XXXX credit card account on my credit file, XXXX sent letters to all credit bureaus to remove debt because it was paid in full in 2017. All other credit bureaus have removed it but Equifax. A letter was sent to XXXX CEO also.
Consumer complaint received 2019-02-11
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: CITIZENS FINANCIAL GROUP, INC. (MI)

I have tried to file chargebacks on three cards to recover from fraud on 3 credit cards in citizens bank and they denied me that chance. for the card ending in XXXX I owe {$5000.00}, for card ending in XXXX I owe {$3900.00} and for the card ending in XXXX I owe {$1900.00} from the letter given to me on that letter.
Consumer complaint received 2022-05-24
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. (GA)

Regarding both the company and Experian 's latest response to complaint # XXXX, XXXX XXXX responded that it purchased the loan [ in question ] in XX/XX/2004, although it did not become the mortgagee. It appears, then, that the credit bureaus ended their investigations on a false premise about XXXX XXXX XXXX current role. What law [ under Georgia laws ] gives the initial mortgage lender the right to : 1 ) dishonor and ignore my request for it to discontinue reporting monthly billing amounts [ regarding the old/outdated loan ] ; 2 ) continue to report the false loan information on the flood certificates ; and, 3 ) refuse to correct false information about the current status of the loan? Based on my understanding, each credit bureau should have provided a resolution that is compliant with all relevant laws, including Georgia laws, that are specific to the situation currently at hand.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC1681b ( a ) I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ) Transunion is liable for damages due to non compliance and shall compensate me {$1000.00} per inquiry.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

Company I C System Inc has falsely claimed that I owe an outstanding amount from XXXX XXXX regarding an account that I never had. Ive never had XXXX and I have verified this multiple times. It is under an address that I have never lived at and opened during a time where I lived at another address. 


I C SYSTEM INC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-05-24
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. (MD)

In accordance with the Fair Credit Reporting act. XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, have 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.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-24
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. (MD)

In accordance with the Fair Credit Reporting act. XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, have 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.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2023-02-22
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)

In accordance with the Fair Credit Reporting Act the following accounts below have violated my Federally Protected Consumer Rights to Privacy and confidently, pursuant to 15USC 1681 section 602a which states that I have a right to privacy. They have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15USC 1681a ( k ). This entity also violated 15USC 1602 ( p ), violates 18USC894. Using my TRADENAME without express written consent in violation of O.C.G.A. 16-9-93.1 Names Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORPORATIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DEPT OF EDXXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. Additionally it clearly states under 15 USC 1681 section 604a section2 that a consumer reporting agency can not furnish an account without my written consent. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) Duty of furnishers on information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 accurate.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I contacted quicken loan also known as the rocket mortgage to get a quote for a home refinance and I was told that in order to get any quotes I had to give them my SSN and let them pull my credit report. I told the representative that I just want to get a quote to see if it make sense to do a refinance and I gave him all of my credit information that he needed to know to give me the quote, but he refused to give me a quote. Please note that I have contacted at least 5 other lenders and none of them asked to pull my credit report and they gave me a quote. 
Below is the contact information for the person that was helping me out XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX Quicken Loans
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (PA)

On XXXX I received a text alert from Experian providing a one time passcode for me to log into the experian website. I did not try to log in to experian, and so someone was trying to do so and the dual factor authentication of sending a passcode to my cell was enacted. Moments later, I received a notification from XXXX XXXX, the identity theft protection service I use, saying a new alert showed that I had started a process with XXXX XXXX XXXX checking my credit. Again, I had not started a process with Experian or with XXXX. As I had frozen my credit with all 3 bureaus in the past, I was not overly worried. However, when I went to the experian website to actually use my username and password to check this suspicious activity, I soon learned that who ever hacked me was able to change my account to a different email ( ie not mine ) and seems to have been able to reverse the credit freeze I put on the account, and will be receiving emails regarding my credit!. I have been on the phone trying to get to customer service at Exerian for 2 hours, but I can not get through to a live person to explain what is going on. IN the meantime I am working with XXXX XXXX team for ideas on how to manage this, and I am currently on hold with XXXX XXXX to explain to them that my identity may be being used to open a new account with XXXX
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (IL)

on XXXX I received a letter with a debit card and account information for a recently opened account with Chime. The account was opened fraudulently and without my knowledge or permission. 

When calling into customer service, it took XXXX tries to get to a live person. They refused to close the account or put me in contact with their fraud department. 

1 customer service rep and 2 supervisors pushed off my request to close the account and stated I needed to email the support team for assistance. 

escalation ticket submitted by supervisor is # XXXX
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AZ)

On XX/XX/XXXX I got an alert stating I had a collection account. I reached out to the company on the same day and they informed me that they were sending notices to an address that I have not lived at since early 2016 and they were calling a phone number that I no longer had. My mail was forwarded to my new address and my credit report has all of my updated contact info including phone number and address. If they properly skip traced me then they would have had this information. I was not given the opportunity to dispute or resolve this account before the collection was placed on my credit report, because I knew nothing about it. This has tarnished my credit score and I was under contract for my new home and past the due diligence period, which now I have lost my earnest funds due to no longer qualifying for lending. In addition, to that my children and I have given notice to my current rental property so we are now going to be homeless all because of this company illegally adding this account to my credit report without notice. I just had a XXXX 6 weeks ago and this has ruined my family.
Consumer complaint received 2022-05-24
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. (TX)

Transition is reporting my Dept of Education loans as Chargeoff but the Government paid them because I am a 100 percent totally and permanently XXXX Veteran
Consumer complaint received 2021-12-09
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)

Experian did not have permissible permission to access my credit report on XX/XX/XXXX. After 4 years, Experian continues to label my complaints as duplicate or passes the buck by stating " we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. '' This is not true. I have yet to receive the permission for Experian to give my credit report.
Consumer complaint received 2023-02-22
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. ()

Date : XX/XX/2023 Failure to investigate Name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX mi, XXXX SSN : XXXX Date of XXXX To : Dear Credit Bureau XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Your company Experian verified the below account. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me how. FAILURE TO INVESTIGATE, please re-investigate and DELETE ALL items lists below. 

( 1 ). Creditor : Account : XXXX XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 2 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 3 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE ( 4 ). Creditor : Account : XXXX # XXXX Reason : FAILURE TO INVESTIGATE Please send me details on how this account was verified. 

Thanks!