davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-18
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (OH)

I am receiving emails asking for over {$2000.00} to XXXX. 
I do have XXXX and my account is current, have had them for 33 years. 
I did report this to XXXX a few days ago. 
It's a True Accord account, number XXXX. I'm receiving emails from a XXXX XXXX. Address provided for TrueAccord is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And they indicate current creditors is XXXX XXXX XXXX. 

I do have credit monitoring, i do not know who these entities are and believe im being targeted for money.
Consumer complaint received 2022-06-16
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. (FL)

These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE JXX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These inquiries listed below are fraudulent and i have no knowledge of them and I didn't give permission to any of these companies to inquire about my credit. 

XXXX XXXX INQUIRY DATE XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXXL XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: First Advantage LNS Inc. (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX of XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX of XXXX XXXX Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (LA)

My SS # was used ( though it is frozen ) to personally guarantee a credit purchase from XXXX XXXX XXXX XXXX. There were odd addresses and phone # s on the application. I was unaware of this till a collection company, Caine & Weiner, turned this into the credit bureau against me. I spoke to a Caine & Weiner agent, who thus far has been very helpful. I called the original creditor to speak with the salesman whose name appears on the application. I was told he was on the other line and will call me back. 5 min later I recieve a return call in which the person states he no longer works there ( very strange ), I was then placed on hold for a long time. Spoke to noone else. Now back with the Caine & Weiner agent, she said to fill out the FTC Report and get it back to her to start the dispute with them.
Consumer complaint received 2024-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (MI)

I haven't supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presumethat no proof of the allege debt, nor therefore any XXXX such debt, in fact therefore exists
Consumer complaint received 2022-06-16
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)

On XXXX XXXX I sent a letter to all 3 credit bureaus in regards to collections that are reporting fraudulently. The collections were removed from XXXX but still are showing up on XXXX and Transunion. I am a victim of identity fraud and I have sent My FTC and all other proper documentation that verifies that as well. You will see all documents attached that supports my complaint. I also sent a letter in regards to late payments that are reporting on a space coast open account and a self lender account that is currently closed both were reported late due to hardships during the XXXX COVID-19 PANDEMIC. I AM REQUESTING BOTH LATE PAYMENTS REMOVED AS A ONE TIME COURTESY BECAUSE IF YOU TAKE A LOOK AT MY ACCOUNTS I AM NEVER LATE. 

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The Credit Bureaus are ignoring my requests and are taking too long to resolve this matter. I sent Equifax two ( 2 ) Certified Letters, in which they receive on XX/XX/2022, requesting their Method of Verification on a previous investigation. Under Section 611 of the FCRA, I requested a Proper Reinvestigation of the Disputed Items, Under Section 609, I requested copies of all documents and correspondence ( including all names and contact information of all employees that the Equifax Agent spoke to as part of this investigation ), that was used to verify these inaccurate accounts as being accurate, and Under Section 610, I provided all the proper Identification that is required in order to get all information Under Section 609. The disputed items are listed in the CFPB Complaint ID XXXX that was filed on XX/XX/2022. 

I expected a response within 15 days of receipt of these Certified Letters, it has now been over 139 days and these inaccurate accounts are still on my credit report. If you ( Equifax ) had investigated properly, rather than use your e-Oscar system, you would have known that these items should have been removed in my initial investigation. I requested that Equifax provide this information or DELETE the inaccurate accounts from my file. Equifax has not responded or complied with my requests and they are in Direct Violation of Sections 611 and 609 of the CFRA, they are in Violation of 15 USC 1681 s-2, Responsibilities as a Furnisher of Information, and they are in violation of my rights as a Consumer. I Demand that you ( Equifax ) immediately DELETE the Inaccurate Items that I submitted for Reinvestigation, CFPB Complaint ID XXXX. 

If these disputed items remain on my Credit File, or if you continue to ignore my requests, I will contact my Consumer Law Attorney and file a Civil Law Suit against your Company for Violation of my Consumer Rights, the Violations that have been committed under Sections 611 and 609 of the FCRA, as well as, the Violations under 15 USC 1681 s-2, Responsibilities as a Furnisher of Information Willfully and Recklessly reporting false, inaccurate information after being notified of the reporting error and failing to investigate or correct the error. I will be seeking {$1000.00} per violation, per occurrence. You have ten ( 10 ) days to comply.
Consumer complaint received 2024-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION (CO)

Amrisave mortgage pre approved my loan and asked for {$500.00} to proceed with my application and guarantee medium that it would be refunded once the loan was funded. Then they denied my application and refuse to refund the {$500.00}
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

This account was never charged off it was a secured card. I tried to fix this with Equifax and they refuse to do anything on the report after 2 letters. It was never late and sure wasn't charged off My attorney told me to file separate complaints on both and to add this PDF here so there is a record and 1 was mailed
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX MA, Account # XXXX has violated my rights. 

15 US 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 2022-07-16
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: Experian Information Solutions Inc. (AP)

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-16
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. (AP)

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX  XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX. XX/XX/XXXX
Consumer complaint received 2022-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC (MO)

I am writing concerning my attempt to get a corporate loan from Lendingpoint via XXXX. They said the loan was approved, but then required a check showing both the corporation name and my name. I was able to get that for them, as I am the beneficial owner of the corporation per the bank 's records. But then they asked for a letter from the IRS declaring that I was the owner of the corporation. That isn't possible for a corporation since the IRS has no such visibility into the ownership of a corporation. So either they have someone handling the loan who isn't trained very well or they are denying me the loan for some other reason which they are not disclosing. 

After explaining that to them, they then required a letter from the bank, again saying that I was the owner of the corporation. The bank sent them a letter stating that they could not divulge the owners of an account under federal law, so what they're asking for is illegal. In any case, a privately held corporation 's ownership is not public record. If they call the registered agent and stock transfer agent ( my husband ), he'll tell them I own the majority of the shares. But the bank doesn't have any visibility into the current ownership of a privately held corporation and neither does the IRS and neither does anyone else besides the shareholders and stock transfer agent. 

The ownership of a privately held corporation is not public record, and that information is pretty much only available from the corporation itself. Lendingpoint should know this, and they should know they're acting in violation of the law. I can't really believe they're that stupid, so I can only conclude they're hiding the real reason for denying the loan. 

From the IRS : " While it is possible to do things like call the business and ask for the owners name, the IRS does not have any independent, direct information about the owner of a corporation. '' I am also not the registered agent or the original incorporator, so the state doesn't have any direct knowledge of my ownership, either. I purchased all of the stock in a private transaction about five years ago. I have a spreadsheet that tracks the share ownership, and I'd be happy to send that to them ( but that only proves I can put together a spreadsheet ). 

There are two people and a spreadsheet that know the current ownership of the corporation. I'm one of them and I'm telling you I own the majority of the shares and I'm the beneficial owner as well. Another shareholder retains 1 % of the shares, and that's my husband. He'll tell you the same thing. 

Please provide the real reason for denying the loan, as you know very well that the verification that you're asking for does not exist and is illegal for the bank to provide even if they did have it.
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

XX/XX/2022 I was trying to sell my bike. A person contacted me through XXXX to purchase the bike. XXXX is my bank 's form of XXXX. Someone from XXXX contacted me and said I had to put in the money into the account to show that I could protect the payment. I took screen shots of the communication. I sent them {$610.00} which was the asking price for the bike. I was told by XXXX I would get my money back and the payment for the bike. 

That did not happen. It was a scam!! I was unaware someone could hack XXXX as it is promoted through Wells Fargo.I lost the money which my mother transferred to me through XXXX. I had to borrow money because I didn't have any which was why I was selling the bike! 

My mother contacted Wells Fargo BEFORE the XXXX transaction went through. She told them what happened and they opened a fraud claim. I also called and made a claim. Wells Fargo let the transaction be completed even though they were told it was fraudulent. 

We have both tried to talk to the bank, spending hours on hold. Three claims were submitted and all denied. They still think I was buying a bike! I was selling. I have the screen shots, they did not care. They do not listen to what happened. They see that my mother transferred money to me and can't grasp the events correctly. We have tried to explain so many times. 

We wrote to the Consumer Federal reserve for help and they sent us to you. 
All I want is my {$610.00} back. {$500.00} of that belongs to my mother. Please help us. Wells Fargo should honor the request to refund the money because it was their website that got hacked. AND they let the transaction go through even though we asked them to deny it. 

Thank you for your time. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2024-09-13
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. (MI)

There was a XXXX XXXX credit account fraudulently opened and hard inquiries recently added to my credit report. We already had this XXXX XXXX deleted now it's back. I filed a complaint wuth the FTC and attached the report report. 
accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2024-12-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I have been getting calls from XXXX. Sometimes they do not leave a voice mail. When they do leave one, it claims they are from citibank calling regarding my Home Depot account. I also received a text today claiming I have a {$66.00} bill due. I have not had this account in years. I called citibank and they confirmed this account is closed.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a XXXX XXXX from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. 

Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.