davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


has violated my rights. 




15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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.
Consumer complaint received 2022-08-29
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. (MI)

congress made it clear what they have to do...

15USC 1681a Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15USC 1681b 2 ) In accordance with the written instructions of the consumer to whom it relates.

they violated these actions of the United States Code, they furnished false and inaccurate information and I never gave them permissible permission or consent to furnish my consumer report.
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (VA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-23
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. (MI)

Hi I am submitting this XXXX XXXX without 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 XXXXtransunion has me at a score around XXXX. 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 XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

At closing of my loan with Caliber Home Loans, Inc on XXXX XXXX, XXXX, for the amount of {$490000.00} - I was presented with a Compliance Agreement. I have no problems with compliance agreements to provide missing documentations but under this agreement, I as a borrower only have 7 days to comply with any request. 

XXXX I have with this agreement is the small window I have to comply with this request. What happens, if I get a letter in middle of a vacation or business trip and I cant respond within 7 days? Under this agreement, my failure " shall constitute a default under this loan. '' This seems like a easy way for bankers take advantage of borrowers for noncompliance. 

If I had known about this requirement with sufficient time to close, I would have never have gone through with this loan. Unfortunately, I had no time left to look for alternative funding options without my real estate deal falling through. Therefore, I was forced to sign this agreement to ensure I did not loss my {$10000.00} deposit as part of my sales agreement. I feel like the bank had me over a barrel and I had no choice but to sign this agreement. This agreement is 100 % in favor of the bank and offers zero protection to hard working consumers. I really appreciate you looking into this matter.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On Tuesday, XX/XX/2018, I contacted Equifax to have a bankruptcy thats reporting on my credit file removed. I supplied them with the identity theft report. That same information was also sent to XXXX  and XXXX ; they both removed the bankruptcy from my credit file, however Equifax has not. Furthermore, Equifax responded stating that the data furnisher verified that the bankruptcy is correct. 

I was told by someone in XXXX Customer service department that XXXX furnishes the data to Equifax. 

I have since then had my personal data suppression request approved and in accordance with section 605B of the FCRA I would like to request that this fraudulent bankruptcy be blocked from my account.
Consumer complaint received 2017-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (VA)

In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX  XXXX/XXXX. Each yr. when visiting he office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to another collection agency in XX/XX/XXXX I contacted XXXX, explained the situation, and completed a complaint form. I advised XXXX that XXXX XXXX ' office never stated that they did not participate in XXXX as indicated on my ID card. XXXX XXXX ' office has submitted my information to 2 different collection agencies for 2 different amounts.
Consumer complaint received 2022-02-23
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. (MI)

TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXXXXXXXXX Balance {$490.00}
Consumer complaint received 2016-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: UNITED GUARANTY CORPORATION (PA)

Defaulted on my loans from the original company. They told that all my defaulted loans were taken on by one collector. Then year later tried telling my had another loan I still owed on, and they never gave an answer Original loan company lied about how many of myany I had stop paying because do n't know what I really owe. So as far as I 'm concerned I 'm not paying anymore
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Name Here down below Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is d

emonstrat ed per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes
Consumer complaint received 2022-04-14
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. (FL)

In accordance with the Fair Credit Reporting act there a accounts attached that have viol

ated 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 wri
tten consent.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OK)

I sent a payoff to Citibank Credit Card in XXXX of XXXX it was received and posted on XX/XX/XXXX to my account. In fact a double payment was made and Citi had to issue a refund to me for the overpayment in the amount of {$12000.00} on XX/XX/XXXX. So, XXXX was held by Citi for 10 days before refunding. 
I recieved an email today XX/XX/XXXX that I have a late payment in the amount of {$6.00} which I was told by thier customer service was the finance charge from a balance transfer I had done earlier in XXXX that was not paid at the time I sent payoff to them. I was told that the account was 44 days past due and I had been reported to the credit bureau. I paid the amount ( which I should not have been charged, it should have been included in the payoff in XXXX. ) Two things... I am a XXXX XXXX XXXX XXXX XXXX and the handling of my personal credit is of great importance to do my job and is expected. I could be terminated for the XXXX XXXX XXXX 
Second I am recenlty divorced and we are in the process of selling the communial home at which time the proceeds were going to be used to pay down my current mortgage therefore lowering my monthly payment and hopefully reducing the interest rate. 
I do not qualify now because I was reported to the credit bureau by Citibank. This is unacceptable. I attempted to pay the account in full, there were more than enough funds to cover the {$5.00} they said was my carry over balance on XX/XX/XXXX ( again {$12000.00} was sent back to me on XX/XX/XXXX so this is just blantant neglegence and predatory practices on their part ; more than enough funds were availalbe to zero out my account. 
Because of their actions I can not refinance my mortgage and I could possibly lose my job in the financial industry.
Consumer complaint received 2022-02-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I have been trying since XX/XX/2021 to obtain a VA Disaster Modification OR a VA Covid Partial Claim. NO ONE and and I mean NO ONE has tried to help me get my mortgage back on track and I have never been able to speak with a supervisor or my dedicated Loss Mitigation representative to obtain assistance with this matter. It seems that your company wants me to go into foreclosure and lose my home. This is very disappointing. 

I have tried to appeal the VA Disaster modification decision and explain that I can make the mortgage payment even if the payment increases but NO ONE has offered to assist me. I have asked for a VA Covid Partial Claim and NO ONE has submitted the request for review. I am told that I must submit a full Modification Application with all documents to be considered for loss mitigation options. But, when I speak with the VA Regional Office they said there is a streamline ( no document ) option for VA mortgage borrowers that does not require a modification application. Again I can not get any remedy with your company because NO ONE is calling me to provide me with clear instructions on how to resolve this matter.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

I attempted to reinstate my mortgage. Based on a repayment letter issued XX/XX/XXXX & verification of calling the lender I had until the end of XX/XX/XXXX to remit payment of {$3000.00}. XX/XX/XXXX I first attempted to send a moneygram based on the information provided in letter format & verification by phone call with lender. The lender refused to accept funds through the moneygram format. I had to resort to getting 4 money orders for the balance due of {$3000.00} and sending them by mail, in the same envelope XX/XX/XXXX. I received 3 separate letters dated XX/XX/XXXX, each with a single money order stating I had did not submit enough to reinstate the loan. I sent a request to the lender 's research department indicating I had sent all the funds in the same envelope. I received a response XX/XX/XXXX indicating I had only sent {$2000.00}. Then I received a 4th envelope with the missing {$1000.00} money order dated XX/XX/XXXX again stating insufficient funds.I called and spoke to a supervisor who upon research verified that the lender did receive all 4 money orders but the cashiering department had only posted {$2000.00} of the {$3000.00} submitted. She indicated I could re quest another reinstatement but now would have to pay an additional 2 months mortgage up front and all associated fees despite the proof I had submitted the correct balance. No fees will be refunded.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (AZ)

I can not get in touch with Chime XXXX Bank in order to activate my Chime card. The only phone number provided XXXX requires the card to already be activated. I can not download the Chime app, XXXXXXXX XXXX keeps telling me there is a problem on their end to try again later. I have tried several times already. I have {$50.00} in the Chime checking account that I want to remove, but I can't because the card is not activated and I can't get it activated. I also can not get in touch with Chime customer service. No phone number is provided.
Consumer complaint received 2022-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Beginning on XX/XX/XXXX I attempted to file an online dispute with Transunion & got an error message saying " online disputes temporarily unavailable ''. I tried several more times over the subsequent days & then finally called in on XX/XX/XXXX to get assistance from tech support. To date I have received several explanations as to what the cause may be & what can be done to solve the problem, but nothing has changed & frankly the explanations seem made up. For example ; I was told there was a conflict with my online information vs what appeared in my credit report. This doesn't track considering on XX/XX/21 I mailed letters to all 3 bureaus providing all of my information & requesting any erroneous info be removed from my file. Most recently I was told that the issue stemmed from me previously filing a dispute via USPS on XX/XX/XXXX, which is obvious nonsense seeing as the issue started with me not being able to file online nearly a week prior to that date, not to mention I haven't been able to mail anything because I haven't been home. Every time a new excuse is given, I am required to wait days at a time to see if the new fix will work. 2 weeks in & I am still unable to file the dispute online through no fault of my own & mailing in the dispute represents a hardship, as I am an over the XXXX XXXX XXXXr that seldom gets home.
Consumer complaint received 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (TX)

On XX/XX/XXXX I sent a cease and desist letter to Western Shamrock Finance in  XXXX, Texas ( I have attached a copy of same ) per the instructions of a debt consolidation company I was conversing with. I later decided against using the consolidation company, so they sent letters to my debtors stating they no longer represented me. 

On XX/XX/XXXX I received another call from the a representative with same company, Western Shamrock. I told her I sent them a cease and desist letter and sent it to them again dated XX/XX/XXXX. I received another call and she stated " I was told to call you and your references every day until we receive a payment ''. I told her that was harassment and they needed to review the letter again and hung up.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (OR)

I opened a credit card through Costco for my business. It was run by XXXX XXXX. It was a new credit card so the billing date was new to me and I was late in some of my payments by a day or maybe up to a week but I never missed a payment. They are now charging me an outrageous 29.49 % interest rate on my account balance of {$24000.00}. 
Now that Costco has purchased these accounts from XXXX XXXX and now run them through Citi Bank they are still insisting that I pay the 29.49 % interest rate. I thought that the new laws protected customers if they were a few days late on a payment?