davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (AR)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (TX)

To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : 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 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is a letter they request and I sent to them. On XXXX, We want to continued with this dispute. I purchase 2 tickets with XXXX XXXX on XXXX. Purchase on-line with my Master Card. Did not get a printed receipt. 
I called XXXX to cancel flight. My wife was was coming down with the flu. Was told there was a cancel fee. Was also told for a credit for balance to be credit on my card 2 to 3 days. Will be notify via email account. Never received, Call back XXXX asking about credit on my account. Was told credit be applied to future flights. Good for 90 days. Never told this on XXXX. Then I call Master Card to start a dispute. There should be a recording to the airline XXXX.
Consumer complaint received 2023-02-10
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. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX, # # # # # # XXXX, # # # # # # XXXX # # # # # # XXXX, # # # # # # XXXX, And I DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These medical collections are violations and must be removed.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (PA)

XX/XX/23 - I noticed that my credit limit on my PNC Core Credit Card was decreased from {$25000.00} to {$12000.00}. I never received an electronic notification that let me know of this decrease and they mailed me a letter which has still not arrived. I have not received the correspondence from the bank to submit with this complaint. They used information in my credit report to justify this. My credit report has a perfect payment history ( never missed a payment ), no derogatory remarks, no collections, and no other delinquencies. When I called PNC to dispute the decrease and petition to have it restored, they informed me that I could not dispute the decision for at least 6 months from the day that my limit was decreased. In my opinion, it is unjust to have to wait half a year to dispute any action that my credit card company takes against me or my accounts. It is for this reason that I am filing this complaint with the CFPB.
Consumer complaint received 2022-07-26
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. (CA)

I send this complaint to inform your department that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Consumer complaint received 2021-07-22
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: EQUIFAX, INC. (VA)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (CO)

We are refusing to accept this shady Loan approval practices : We all know that loan approval is based on, among other things, debt to income ratio. I truly appreciate the fact that " Homeamerica Mortgage Company '' made it super easy for us to qualify for the mortgage loan that we actually believed that were not going to qualify for the new loan with the current unusual interest rate hike in short time. We believed so because the interest rate had doubled in an unusual way which pushed us out of the market to buy this unit.

Here are some numbers for comparison purposes. The numbers are taken from the first loan estimate and the final loan estimate : First loan estimate ( principal plus intrest= {$2500.00} ) before interest rate hike Final loan estimate ( Principal plus intrest= {$3600.00} ) after rate hike In another words my annual mortgage payment in the first loan estimate amounted to be about {$40000.00} where as in the case of the final loan estimate the annual payment skyrocketed to an amount close to {$54000.00} Coming back to the debt/income ratio ( 26-38 ) %, a person with annual mortgage payment close to {$54000.00} needs to have a corresponding income of ( {$200000.00} - {$150000.00} ) Based on my most recent tax documents ( XXXX ), my wife 's income shows {$50000.00} and mine shows {$59000.00}. One can see these numbers from the attached XXXX tax return document. Prior years tax documents show a much lower income than XXXX. 

My question here is what are the basis for the approval of this extremely risky loan when the clients are willing to exit the contract because of their strong conviction that they will not afford to pay the loan in the long term? 

Some one may ask, why did I lock up the interest rate at 5.5 %? We locked it up because we believed that it was part of the mortgage process. We assumed that the system would recognize and automatically reject our application. That would have resulted for the clients to receive at least their earnest money without being penalized. However, because the builder and the lender are working in harmony, they did not care much about the risky qualification steps ; instead they kept pushing forward for the final approval and closing the loan on XX/XX/XXXX. 

Another point to look at this case is, the builder believes the newly built home worth much higher ( {$780000.00} ) than what we signed for ( {$710000.00} ). If that is the case then why do they need to keep the earnest money of a client who got pushed out of the market without their own fault?

We are not interested to accept this loan offer for the following two reasons : 1. The inflated home price in addition to the unexpected mortgage rate hike has priced out clients like us and this is not our fault.

2. The home appraisal and mortgage approval process does not reflect the reality on ground and needs to be scrutinized as to why the bank is allowing more risky loans even when the client says no to it./? 

Best Regards. 
XXXX
Consumer complaint received 2020-02-26
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)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been  determined.
Consumer complaint received 2024-03-03
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The XXXX credit card XXXX is being reported for {$140.00} this debt is not valid. I do not owe the company this money. This account is outdated and shouldn't be reported.
Consumer complaint received 2022-10-15
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. (SC)

This is XXXX XXXX submitting this CFPB Complaint addressed to the Credit Reporting Agencies to request to the Credit Bureaus to remove the disputed Accounts and Information from my Credit File. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous CFPB complaint I submitted on XX/XX/XXXX and I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. This CFPB Complaint is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for your willful noncompliance.
Consumer complaint received 2020-02-26
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-07-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

It has come to my attention that XXXX XXXX  are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed
Consumer complaint received 2019-09-26
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: JPMORGAN CHASE & CO. (CA)

To Whom it may concerns : After several attempt phone calls with Chase freedom Credit Card dispute department, Customer Service, and branch visits my issue still pending since XX/XX/2019. I purchase sunglasses from XXXX XXXX XXXX  on XX/XX/2019 and returned them to company via XXXX on XX/XX/2019. Merchant received returned sunglasses on XX/XX/2019. Merchant did not return the money or refund me back claiming that he issue a credit to the bank. Since XX/XX/2019 until now I open dispute claims for the charges and provide bank with XXXX proof that merchandise was returned and still I am not going any where. Dispute department at chase they are so hard to deal with what hurt is that they keep asking for a proof that I return the merchandise and I keep sending it and always they say we did not get it on a timely manner and ask me to open a new dispute ... I am sure money is somewhere with chase and they do not want to refund me back my money. Please help I have family and I can not afford to pay for something that I do not have nor using.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/2024 2024
Consumer complaint received 2021-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (SC)

On XX/XX/2021 I received a letter from National Enterprise Systems informing me that they were attempting to collect an alleged debt in the amount of XXXX. The letter states that the current creditor is XXXX XXXX  from XXXX XXXX XXXX. I have never lived in XXXX nor attending a school in XXXX. I have sent National Enterprise Systems a dispute via certified mail requesting validity of the alleged debt along with a demand to cease and desist all communication and collection activities. Please see attachments.
Consumer complaint received 2021-07-22
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: Source Receivables Management LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ... SOURCE RECVB ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-10-15
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. (OH)

On XXXX of XXXX I have attempted several times to contact Transunion, XXXX, and XXXX about violating my rights under the FCRA. I have listed the accounts below which is requesting to have them deleted from all three credit bureaus immediately i will also state the law which violated my consumer rights. 
XXXX XXXX Dept of EdXXXX  in the amount of XXXX account number XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX 15 US, Code 6802 states a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card, deposit account, or transaction account of a consumer to any nonaffilliated third party for use in telemarketing U.S.C 1681 section 602 A states i have the right to privacy.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The company has completely ignored my certified letter demands for validation of the alleged debt they claim belongs to me. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report. I am now forced to file a civil lawsuit against them in my local federal court for damages. This company has repeatedly violated my consumer rights and ignored federal laws, costing me loss opportunities, time and money.
Consumer complaint received 2021-02-18
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: CBC Companies, Inc. (FL)

I initially reached out to XXXX XXXX XXXXXXXX XXXX regarding a mortgage inquiry but never gave them authorization to pull my credit. I never heard back from them regarding the initial inquiry and so inquired with another company. Upon hearing back from the other company I was informed that XXXX XXXX XXXXXXXX had indeed pulled my credit on XX/XX/XXXX. I tried to contact the company regarding getting this hard inquiry removed but was never called back or had any form of communication sent to me. Last time I tried to contact them was today, XX/XX/XXXX
Consumer complaint received 2022-08-16
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. (NC)

On today XX/XX/2022 I recognized that these companies have violated the consumer laws. 

XXXXXXXX XXXX Account Number : XXXX Amount : {$6500.00} REPORTED BY XXXX AND XXXX Amount : {$7800.00} REPORTED BY EQUIFAX XXXX Account Number : XXXX Amount {$530.00} REPORTED BY ALL XXXX CREDIT BUREAUS In accordance with the Fair Credit Reporting Act, these companies 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (CA)

XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for XXXX years and account was closed and my payments were always on time after me loosing my job then XXXX XXXX happend not to far after messed me up financially