davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-03-21
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. (GA)

Transunion is reporting an account inaccurately which is a violation of XXXX XXXX standard. Transunion claims to have investigated and verified this account however that is a lie. I have attached a sceeen shot of my most recent credit report. The account for XXXX XXXX XXXX is reporting a date closed as XX/XX/XXXX. XXXX is reporting the date closed as XX/XX/XXXX and XXXX is reporting this account as closed on XX/XX/XXXX. All of these can not be correct. The ending balance could not have changed since there was no activity on the account since it closed. The closed date must be the same for all 3 credit reporting agencies. Also if you previously investigated and updated this account for accuracy why is the high balance reported ( XXXX ) lower than the original balance? ( XXXX ) That would be impossible. This proves no investigation was actually done.
Consumer complaint received 2020-02-14
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. (IL)

XXXX XXXX breached their contract and duty and still until this day failed to provide a receipt that a loan was ever given where is the receipt? XXXX XXXX  had 7 days to respond and resolve this issue the XX/XX/XXXX.  XXXX XXXX  never responded and there is a breach of contract on the fault of XXXX XXXX  who still fails to show the receipt that a auto loan was given. Also XXXX XXXX given third parties XXXX XXXX information without XXXX XXXX written or express consent this violates title 15 USC 1692 SECTION E
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank statements are coming to my home alerting me of overdrafts for small amounts of money ( XXXX ). I do not bank with TD Bank. 

The statements I received indicate someone has opened two different accounts using my name and address.
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX  XXXX 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 2021-06-13
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. (CA)

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, XXXX, or Experian the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Consumer complaint received 2022-02-14
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. (PA)

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) making XXXX XXXX XXXX XXXX an assignee pursuant to XXXX XXXX XXXX ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to XXXX XXXX XXXX. Furthermore, that is an Deceptive Form identified in the XXXX pursuant to XXXX XXXX XXXX. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as XXXX states pursuant to XXXX XXXX XXXX ( XXXX ). Lastly, XXXX states " No credit card shall be issued except in response to a request or application thereof '' pursuant to XXXX XXXX XXXX. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of XXXX XXXX. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2021-06-13
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. (CA)

The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, Equifax, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KY)

On XX/XX/XXXX my account was suspended due to suspicious activity. Chime needed to perform an investigation and asked me to provide my drivers license, proof of my address, and a letter stating that the attempted deposit to my account was authorized. I have tried multiple times to contact chime since this occurred and they have offered little to no help.
Consumer complaint received 2019-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Equitable Acceptance Corp (RI)

On XX/XX/2016 an individual contacted me via telephone stating he worked for student loan relief/Obama forgiveness program. The representative stated he worked with XXXX and that I was eligible for loan forgiveness. The individual knew the amount of federal loans I had at the time. He proceeded to tell me to electronically sign forms on my email, which included a contract from XXXX XXXX XXXX XXXX stating that they will start taking {$39.00} dollars amount out of my account per month for 48 months until the amount of {$1300.00} is paid off plus 17.99 % interest rate. He then stated my loans would be forgiven from there. He then requested a signature for equitable acceptance whom would be collecting the money monthly. Soon did I find out that this was a complete scam. The company does not in fact assist in loan forgiveness nor do they work for XXXX. I am stuck paying the monthly payment because I do not want my credit score to be effected by this fraudulent company. I have made numerous complaints. I am trying to shut this company down to avoid others being affected by this scam and get my money back. I do not want someone else to be scammed by this company.
Consumer complaint received 2024-03-08
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)

I reviewed my consumer reports and noticed that I had four late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc. (OH)

THEY BREACHED HIPPA. I received an account in collections through Finance systems of Toledo with absolutely no written notice. No phone call, or anything related to debt. Not only this, they have information that I never gave permission to have released through HIPPA. This is unacceptable, so not only was there a failure to file a written notice they breached my right to privacy through healthcare.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the Bank XXXX XXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX XXXXhecking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 2021-06-13
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. (GA)

On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with transunion is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my transunion score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/21 I was alerted that my credit score decreased due to 75 % credit card utilization that was reported from XXXX XXXX XXXX in XX/XX/21. My statement date for this credit card is the XXXX of each month and was at a XXXX  balance on XX/XX/21. My credit report with XXXX  is showing the amount owed prior to me making the payment on XX/XX/21, this needs to be corrected immediately, this incorrect data has brought my score down 26 points on my XXXX  score and 10 points on my XXXX  score. I need this information updated with the XXXX  amount owed as shown on my statements from XX/XX/21.
Consumer complaint received 2022-10-08
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. (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- They DO NOT have my permission to report these LATE payments to XXXXXXXX XXXX on my consumer credit report. 
-- I Demand them to be removed and every violation of unauthorized information on my report is a {$1000.00} fine. 

-- Multiple letters have been sent over 90 days ago by certified mail to reporting agencies and XXXXXXXX XXXX  and return receipts have been received by me. 

-- These unauthorized reports of LATE payments are fraudulent and inaccurate information and my permission has NOT been given orally, in writing, or electronically to report these late payments on my consumer report and I demand them to be removed.
Consumer complaint received 2021-06-13
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: TD BANK US HOLDING COMPANY (FL)

I have dispute this account XXXX/XXXX  and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not
Consumer complaint received 2020-02-14
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: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2019, someone had stolen my American Express Platinum Card ( AMEX ) information and purchased over {$3000.00} worth of merchandise from XXXX ( XXXX ). I disputed this charge with AMEX and thought the matter ended. The fraudster tried to take advantage of the free shipping benefit associated with my card but forgot to change the address, so those items were shipped to me. I shipped these items back to XXXX because to keep them would be theft. When XXXX received these items for which I was not charged, XXXX issued me merchant credits which appeared on the statement associated with my replacement AMEX card. In a further attempt to do the right thing, I informed AMEX that these credits were issued in error. AMEX responsed by charging these credits back TWICE ( I.e. charging {$600.00} twice ( total {$1200.00} ) for a {$600.00} credit ). I have since called AMEX 11 times to get these erroneous second set of charges taken off. Each time AMEX representatives from both customer service and fraud protection team have given me reassurances that these charges will be removed, do not be worried but that has not happened - in fact, these charges got shifted to pay over time and dispute without my knowledge nor approval. Now, in the 11th call, I am informed that I am on the hook for the entire amount of the reported fraudulent charge. This has turned into an act of fraud against me, perpetrated by AMEX. Because AMEX is clearly running me around in circles, I feel the need to reach out to CFPB.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (HI)

To Whom it May Concern : I am notifying you of a collection account on my credit report that I discovered last XXXX and have already disputed once with the three credit bureaus. Sequium Asset Solutions and XXXX has have wrongfully pinned this in my credit file. I do not owe any debts to XXXX and had ever done business with their company. I am urging you to please research this error and it's validity. 

I have tried contacting the number for this collection agency and have not made any contact with number from the dispute results. I will keep on disputing this since, again I do not owe any debts to these companies involved. 
I will be waiting for any response and may seek legal action if not removed from my credit report. 

Thank you.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Contacted attorney who wrote letters to Capitol One and XXXX XXXX instructing them to cease and desist phone calls in the middle of the night, at XXXX & XXXX XXXX and all day long because of usury interest rates and inflating amounts owed.
Consumer complaint received 2020-02-14
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: CITIBANK, N.A. (CA)

In XX/XX/2016 I got my monthly bill from my Citibank credit card and it included fraudulent charges. The fraud was clear : dozens of charges from {$5.00} to {$25.00} for rides on XXXX in XXXX XXXX over several days in XX/XX/2016. I'm a XXXX XXXX and I was XXXX XXXX in XX/XX/2016 in the USA. I immediately called Citi. The person I talked to on the phone was told me that the charges were clearly fraud and that I should pay the portion of my bill that i was responsible for ( {$430.00} ) and assured me the rest would be removed from my bill. 

Citi issued me a new credit card. I never again used that card. 

The XXXX charges in XXXX XXXX were eventually removed from my bill, but not until the bill for XX/XX/2016, at which point I cancelled the card and closed my account. 

I checked my credit report in preparation for applying for a mortgage and was told that I have 4 instances of late payments on this City card between XXXX and XXXX that were all due to these fraudulent charges.. I called Citi three times trying to get them to remove the late payment marks or, at the very least, send me my billing records so that I can make the case directly to the credit bureaus. This mistake will cost me as much a 1/4 point in my mortgage if it is not cleared up by XX/XX/XXXX.