davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I have a big problem : I can prove around {$5500.00} in mortgage fraud but I can't get credited for it. I emailed cashed checks to Truist 's fraud department ( who never wrote back ) and to another address I was told to send it to ( who also never wrote me back ). I asked Truist for my payment history and my checks are much higher than my history. I keep a spreadsheet showing payments I made. I logged payments up to XX/XX/XXXX but not between XX/XX/XXXX and XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and started making minimum payments after then but before then I often overpaid. Everything checks out up to XX/XX/XXXX and after XX/XX/XXXX but is off between then. I had XXXX banks during this period. XXXX I have canceled checks for and the other I don't. The XXXX bank shows all drafts between XX/XX/XXXX and XX/XX/XXXX and no overpayments when I sent all checks and overpaid every month. The scenario that makes the most sense to me is someone worked both at BB & T ( Truist ended up buying them ) and my bank ( XXXX XXXX ) and altered my bank statements to conceal their embezzlement from BB & T. I have XXXX XXXX doing an investigation now. That's been going on XXXX business days. Neither bank shows withdrawals between XXXX and XX/XX/XXXX or from XX/XX/XXXX to XX/XX/XXXX. I asked Truist for checks between XX/XX/XXXX and XX/XX/XXXX but didn't hear back. So I'd like to be credited for the fraud I have proof for ASAP and would like to see all check images I sent between XX/XX/XXXX and XX/XX/XXXX. Truist said they were investigating but I've been writing since Monday and can't get a reply. I have XXXX cashed checks showing about {$5500.00} in fraud but there are 21 months in question. If I multiply {$5500.00} by XXXX I get {$16000.00}. Since there's a gap in my spreadsheet I'm only guessing but I estimate I overpaid between {$12000.00} and {$20000.00}. I think the amount freaked out Truist which is why they haven't written back. BB & T never had problems cashing my checks but Truist is having trouble giving me credit for fraud I can prove. The amounts to look for are {$1200.00} ( the minimum I sent ), {$1500.00}, {$1500.00} and {$1600.00}. I'm not sure if I ever sent any checks for {$1600.00} but know I didn't pay more than that and didn't pay below {$1200.00}. I'm " verbally challenged '' so text ( XXXX ) or email ( XXXX ) are the best ways for me to communicate. I am verbal just not easy to understand. I called them probably five times. Im told they need proof even though my bank statements have been altered. I wrote them on XXXX on XX/XX/XXXX and explained the predicament. They said they were launching an investigation. Ive written every day since Monday ( except today ) and cant get a reply. Id be happy to email supporting documents.
Consumer complaint received 2022-06-08
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. ()

This involves all 3 bureaus ( XXXX, XXXX, and Transunion ) as well as the furnisher of inaccurate information ( XXXX XXXX XXXX  ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXX XXXX  XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all 3 reports.

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to XXXX, Transunion, or XXXX ( consumer reporting agencies by definition ) to report this inaccurate account.
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (GA)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below I demand that the following account be verified or removed immediately : ( dispute_item_and_explanation } In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (FL)

Upon reviewing my Target XXXX card activity online on XX/XX/2022, I immediately noticed a fraudulent transaction that I did not take part in. Specifically, it was for a charge dated XX/XX/2022 in the amount of {$330.00}. I immediately contacted the business on XX/XX/2022 and spoke to XXXX XXXX to report the issue. Just to clarify, per the conversation, the current card number has been shut down and a new card number has issued. Additionally, the charge mentioned should be removed from my account. Lastly, the Target store that I last used the card for {$3.00} on XX/XX/2022 should be checked for skimming devices on the credit card readers. As it seems like a coincidence that two days after my Target in store purchase, my card number was fraudulently used online at Target.com.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc. (TX)

The mortgage company didnt make the correct property tax payment that was specified on the closing disclosure for the escrow and are now requesting us to pay it, when the mistake was made on their end a few years ago and are just now bringing it up. They wont give me any explanation other than taxes and insurance is increasing, but there is no reason we should be short {$8500.00} on a {$150000.00} loan.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MI)

I applied for an Apple Card under my phone XXXX XXXX XXXX and was denied It never provided a reason, it just said that I was ineligible. The exact same same day I applied with my business phone, different XXXX XXXX and different phone number and was approved. I wanted to switch XXXX XXXXs because I condensed phones and now only have one. I called the customer service number and was told that if I wanted to switch phones with my card that I would have to close the one account, where they have already ran credit and caused an inquiry, and open another which would result in another inquiry. The excuse that I Received first was that my info could not be verified. I uploaded my id, front and back and was approved. Nobody seems to know what is going on at XXXX or Goldman Sachs and the customer service number is of no help at all.
Consumer complaint received 2022-06-08
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # xxxxxxxxxxxxx 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 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been a victim of identity theft. My information is leaked on the dark web and someone has opened up multiple bank accounts in my name using my old information that appears on my credit report. I informed Experian about it and they won't remove my old information.
Consumer complaint received 2022-06-08
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)

XXXX is using my identity fraudulently. Transunion is reporting a fraudulent account on my credit report. A FTC report was filed and is enclosed. XXXX/DEPT OF ED XXXX needs to be removed not my account.
Consumer complaint received 2022-06-08
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: Shellpoint Partners, LLC (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-29
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. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED.XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

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 XXXXXXXX, 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 2022-06-08
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. (SC)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, & XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # 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 2022-12-28
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. (CT)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : 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 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX, account # XXXX, have violated my rights. 

15 U.S.C. 1681 602 A states I have a right to privacy.

15 U.S.C. 1681 604 A, section 2 states a consumer reporting agency can not furnish an account without written instructions of the consumer to whom it relates.

15 U.S.C. 166B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-08
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. (WI)

In accordance with the Fair Credit Reporting act XXXX/XXXX/XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # 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 2024-09-18
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. (NY)

A letter was sent on XXXX XXXX to XXXX XXXX CEO XXXX XXXX XXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform XXXX CEO XXXX XXXX, Equifax CEO XXXX XXXX XXXX and XXXX CFO XXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.