davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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. (OH)

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

Someone I dont know never did business with name $ XXXX in XXXX XXXX sent me a deposit for XXXX on my cash app XX/XX/23 and I immediately return it back to them. On XXXX I received a text message from cash app stating that they were taking XXXX out of my credit union bank account to pay $ XXXX. I immediately contacted my bank and the transaction was pending as I purchase something. The bank advise me that they were unable to dispute the charge Because it was still pending until XXXX. I contacted Cash app and they advised me that the person disputed the charge with their bank and and unfortunately, there was nothing that they can do about it. I reach back out my bank and the funds were taken out on XXXX XXXX and XXXX XXXX XXXX started the dispute. I asked my bank why they release funds on a dispute when they never seem the original charge. They said cash app sent it over as if I was purchase and there was nothing to dispute. I contacted cash app again and they said they see the transaction of it being sent to me and me returning the money and if it was a dispute they should have follow what she did with the XXXX. They basically told me my lost and she got XXXX and there nothing I can do. 
I am waiting on my bank and Im in the process right filing charges on the person once I found out who they are and filing charges on cash app. I feel like this is someone working inside cash app doing scams
Consumer complaint received 2021-11-10
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)

I have notified XXXX, XXXX and Transunion several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising XXXX, Transunion and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue XXXX, XXXX, Transunion and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2021-10-03
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)

my name is XXXX XXXX today date is XX/XX/XXXX My Transunion File Number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the XXXX data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX  sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone XXXX XXXX XXXXXXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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. (WI)

I never made this inquiry, I never been or went to this place. 
Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NH XXXX Date : XX/XX/2021
Consumer complaint received 2022-03-31
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. (TX)

XXXX, Experian and XXXX is showing Negative accounts that not listed on my credit report. Also hard and soft inquires were not apporved by me. 
In accordance with the Fair Credit Reporting and XXXX, XXXX has violated my rights. 
15usc 1681 Section 602A State I have the Right to privacy.

15 usc 1681 Section 604 A Section 2 H also states a consumer reporting agency can not furnish my account information without my written consent.
Consumer complaint received 2021-11-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (GA)

NET CREDIT refused to give me a consumer and natural person their own credit and used a deceptive scoring system to deny me my own credit. 15 U.S. Code 1692- Congressional findings and declaration of purpose covers this violation as i natural person am operating under full faith and credit. This deceptive practice will need to be corrected immediately as this violates my federally protected right which are above any polices and procedures that NET CREDIT might try and use as a excuse for the deception Notice, it is a fact, affiant is aware, I have exercised my rights in good faith and I have reason to believe and do so believe I have been wrongfully discriminated against by NET CREDIT, violating 15U.S.Code 1691 ( a ) ( 3 ). 

XXXX XXXX XXXX UCC1-308 Attorney in Fact
Consumer complaint received 2022-03-28
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. (SC)

I have repeatedly sent in disputes about inaccuracies on my consumer reports. Those accounts are not accurate and the inquires are not mine and i have sent in an identity theft report also. I have ask for proof to support why they haven't removed or changed these accounts, and i never get any proof. I Also sent them a letter on XXXX XX/XX/2022 and still haven't got any results back yet. which an investigation should take 30days to complete. This is very stressful, and I'm also contacting the CFPB ombudsman for i feel no accountability is being taken.
Consumer complaint received 2022-03-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received information from XXXX, XXXX, & XXXX that this creditor has verified that the account they are reporting under my name is accurate. 

But, I requested the description of the procedure used to determine the accuracy and completeness of the information, which I have not received. I requested this information and still have not received any documentation on this creditor to verify this is my accounts.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC. (GA)

Hi, The debt collection agency, XXXX XXXX XXXX XXXX, just placed an 8 year old discharged debt on my credit report as " In Collections '' and reported the date of the debt as XX/XX/2021. This is false reporting and has hurt my ability to obtain a lower interest rate on a home loan that I need to close within 45 days. I found out about the debt on my report when I applied for the loan. Terrible timing and a good example of illegal debt collection tactics by this debt collection agency. 

The original debt was with NetCredit, I believe it says, and it looks like they purchased the debt from them, or another debt collection agency. Also, I never received any notice from this company informing me of their intentions to illegally pursue an 8 year old debt in the state of GA where the statute of limitations is 4 years. To make matters worse, I am fairly certain that the {$11000.00} they are reporting is much higher amount than the original amount owed. 

All I have are the last four digits of the account number, XXXX. I've attempted to call XXXX XXXX XXXX but have not reached anyone to discuss the issue. After talking with someone who has had this happen before, they advised me to not talk to anyone at the agency as they will attempt to get you to agree that you owe the debt, therefore allowing them to place the debt on my credit report and seek full payment as if I owed the debt today, not 8 to 10 years ago. 

Can you help me resolve this issue and provide me information on the best way to seek damages from the collection agency. It's very disheartening to see a company do this to people in a time such as this. I am attaching a screenshot from XXXX. It's the only information I have for the collections debt. Thank you for any help you can provide. 

Sincerely, XXXX
Consumer complaint received 2022-07-15
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. (AR)

In Accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish a account without a written instructions. 



In Accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish a account without a written instructions. 


In Accordance with the Fair Credit Reporting Act 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 states a consumer reporting agency can not furnish a account without a written instructions.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ Installment loans, and XXXX XXXX ] from [ XXXX XXXX ] with a balance of {$0.00}, [ XXXX XXXX XXXX ] with a balance of {$550.00}, [ XXXX XXXX ] with a balance of {$210.00}, and [ XXXX XXXX XXXX XXXX  ] with a balance of {$180.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
PLEASE NOTE, I HAD MISTAKENLY UPDATED MY SPOUSE DL ON MY PREVIOUS APPLICATION.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (VA)

I am in the process of repairing and building positive credit. During this process I requested a debt validation letter from AFNI who is reporting a debt of {$3700.00} from the original creditor XXXX on my credit report. I sent the letter priority mail XX/XX/XXXX to XXXX XXXX XXXXXXXX, XXXX, IL XXXX and have not received a response. It has surpassed thirty ( 30 ) days and this is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (WA)

I applied for a mortgage to refinance my current home loan. As part of the application, an appraiser came to put a market value on my home. During the appraiser 's visit, he wanted to take interior pictures. I asked him not to do so and he complied. The mortgage company contacted me later and said they would not process my mortgage application without interior pictures. I supplied them with interior pictures that I had taken myself, from which I had redacted anything that showed a personal element of my home, such as furniture, photographs, art, and books. I also redacted anything that showed security system elements.

The mortgage application was 100 % complete, absent interior pictures taken by the appraiser himself. The mortgage company informed me that they could not process my application without the pictures, and that after internal review, they would not accept the ones I had provided. The rate lock expired and I can no longer take advantage of the lowered interest rate I would have achieved with this refinance. 

Additional facts that I feel are relevant to this complaint : *The mortgage company involved holds my current mortgage. It is a 15-year mortgage that I have had for 6 years without once missing or making a late payment.

*The refinanced mortgage would have been for an amount that is approximately 10 % of the market value of the home, as confirmed by the appraiser in
his report.

*I provided financial statements to the company that clearly showed I have sufficient assets to pay off the current or refinanced mortgage completely at any time, as well as sufficient income to easily support monthly payments. 

Given the low risk to the mortgage company for this loan, I do not see the need for this egregious invasion of my privacy. I have already allowed the appraiser to enter and visually observe every space in my home. I can not fathom the need for him to also permanently record every aspect of my personal space. I was given no assurance that the digital photographs would be stored on secure devices, would be transmitted only by secure electronic means, would not be shared with unauthorized persons, and would be deleted from all systems at such time as they were no longer needed. I feel I am fully justified in not allowing these pictures to be taken. As stated, I met the mortgage company more than half way in offering to provide pictures I had securely produced myself. I am sure I am not the only U.S. consumer that was affected by this practice.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (NE)

My XXXX had accounts with PNC Bank. She passed away last XXXX. Once the bank was advised she passed, they started withholding interest on her account. I disbursed the funds from her account to the heirs and then tried to get the withheld interest. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first 3 times they said they were going to send me a form to complete to get the interest. Never did they send me the form. Today when I called, I verified my address ( which they have in the system because I've been on the account before she died ) and they asked me what form was I supposed to get. I said I didn't know and got hung up on. I also noticed today that they put a {$15.00} charge on the account and couldn't explain why.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off XXXX report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports