davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (PA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-27
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. (MO)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (TX)

Upon looking at my credit file, Ive found some discrepancies that need to be addressed with urgency as it is causing a major negative impact to my credit report. Following my last complaint, this company still has not provided me with Legal Documentation to prove any of their claims. This company stated in a claim that the account in question was sold off at auction and a Explanation of Calculations of Surplus or Deficiency was sent. This is not my debt nor have I every received any of the letters they say were sent. I am requesting that they provide me with Legal Documentation of this NOI letter they stated was sent, along with the explanation of calculation of surplus or deficiency letter they also stated was sent that is suppose to outline the amount the car was auctioned for and the remaining balance that is owed. I stand on my original statement that this is not my debt. In the meantime, stop reporting to every credit reporting agency until the Legal Documentation is provided that this debt 100 percent accurate. 

The statement below is the statement that was issued during my last attempt to reconcile this issue. 

On XX/XX/2020, we recovered the vehicle due to non-payment. We sent XXXX XXXX a Notice of Disposition and Our Plan to sell the Property ( XXXX  ) letter to her address on file. The XXXX letter outlined the total amount needed to reinstate or redeem the vehicle and explained the vehicle would be sold at auction if the account was not reinstated or redeemed. We also spoke directly to XXXX XXXX on XX/XX/XXXX and provided her with a reinstatement offer. On XX/XX/XXXX, with no payment received toward reinstatement, the vehicle sold at auction, and we applied the proceeds to the principal balance of XXXX XXXX account. We sent XXXX XXXX an Explanation of Calculation of Surplus or Deficiency letter to the address on file. The letter outlined the deficiency balance still owed.
Consumer complaint received 2023-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

XXXX/XXXX/22 : Sent {$750.00} via Cash App to nephew. He never received it. 
XXXX/XXXX/22 - XXXX/XXXX/22 : Spent several days seeking help from Cash App Customer support. They said their system showed the transaction was " Complete '' and offered no further assistance. It was difficult working thru multiple chats, emails. 
XX/XX/22 : Sent letter to requesting refund to Square , Inc. 
XXXX/XXXX/22 : After not hearing back from them, my attorney sent Square , Inc a letter requesting a refund. 
XXXX/XXXX/22 : Cash App 's response was that I request reimbursement from the recipient- my nephew. 

My contention is that they can show {$750.00} was received by Cash App but can't provide proof that it was actually withdrawn from their app. The {$750.00} is sitting somewhere in their system. On my nephew 's end, there were no links or prompts to allow him to even access and withdraw the funds.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I received a check in the amount of {$2500.00} from the California state Controllers Office, which I received as I was a recipient of the XXXX XXXX education and training grant program. I deposited that check via the Bank of America app the same day on XX/XX/2023. XXXX XX/XX/XXXX I was notified that there will be a hold on the deposited check and the hold would be released and funds available on XX/XX/2023. On XX/XX/XXXX Bank of America sent me a letter that explain that they decided to close my account, which was because of suspicious activity related to the {$2500.00} check deposit. They claim that the check was invalid, and that I committed fraud. Bank of America finalized my account closure on XX/XX/2023. My balance is over {$2200.00} but Bank of America is claiming that the {$2500.00} check was deemed invalid and fraudulent, and therefore Bank of America will not be giving me the rest of my funds in my account. I contacted the California state controllers office, and they verified to me that the check was indeed cashed. The check is legitimate, and I have provided many alternatives to verify the check including providing documentation of me being awarded, physical copy of the check, the California State Controllers Office ( which is the agency that issued me the check ) to no avail of resolving the problem. Bank of America is illegally withholding, my money, and I demand that my money be given to me immediately.
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Tonight, I discovered inaccurate accounts on my credit report, and I was completely taken aback. I check my credit report routinely, but this time, these discrepancies just appeared without warning. I refreshed my browser hoping it was just an error, but unfortunately, the accounts didnt go away. Im really disappointed and asking that the documents Ive submitted be carefully examined, so I wont have to live with this worry any longer.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602A. 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 2023-01-26
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: United Collection Bureau, Inc. (FL)

I submitted a dispute with UNITED COLLECTION on XX/XX/23. complaint ID- XXXX. " This was their response We have mailed a written response to the complaint received through the CFPB portal directly to the party whose identifying information matches the identifying information of the complainant. Should you require any further information, please contact us. " However they did not due this and instead reported to the credit burrows that the account was closed. This account was not closed or paid as it was never proven by UCB to be mine by the information i requested. 

This collection needs to be corrected as removed NOT closed.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2023, I received verification from the Transunion investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. I demand these accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (FL)

It appeared 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 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 Date of Inquiry : XX/XX/2021 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 2024-12-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY (OK)

I applied to refinance the existing conventional mortgage on my home with Wells Fargo due to their competitive interest rates. Wells Fargo promptly locked me into the rate by covering the appraisal fee. The appraisal concluded that my homes value and condition met FNMAs underwriting standards and that there were no conditions attached to the appraisal. This conclusion is consistent with the appraisal conducted just 12 months ago when I originally purchased the home. 

Subsequently, XXXX XXXX underwriting team informed me that I must install a handrail on a flat-top roof due to door access. While this may be required under current building codes for new construction, my property is grandfathered under local building codes, as the area in question has not been altered. Moreover, the appraisal explicitly stated that no handrail was necessary. 

When I inquired about the basis for this requirement and requested clarification regarding the underwriting guidelines necessitating such an improvement, XXXX XXXX underwriting team repeatedly stated that it was their internal requirement. No specific guidance or justification aligned with XXXX XXXX XXXX XXXX was provided. 

I informed them that conditioning the loan on installing a handrail would eliminate any of the economics of using them based on their rate. I furthermore conducted research and consulted with underwriters from other financial institutions, all of which indicated that XXXX XXXX requirement exceeds FNMAs guidelines. XXXX XXXX underwriting team even asserted that, Underwriting calls for items deemed safety concerns even on as-is reports ; we dont need the appraisers input in such instances. However, according to XXXX XXXX XXXX XXXX, Section B4-1.3-06, Property Condition and Quality of Construction of the Improvements, underwriting decisions are to be based on the appraisal report, which, in this instance, explicitly noted no conditions requiring a handrail. 

This leads me to conclude that XXXX XXXX underwriting team is imposing requirements that exceed XXXX XXXX guidelines and are based on subjective internal policies rather than objective criteria established by XXXX. 

Furthermore, under the Truth in Lending Act, any additional conditions or standards imposed by a lender beyond those required by the GSEs must be adequately disclosed. Upon discussing this matter with my loan officer, I was assured that my application was not subject to standards exceeding FNMAs guidelines. However, XXXX XXXX actions suggest otherwise, as they are conditioning my loan approval on adherence to internal standards rather than the guidelines to which my loan should be underwritten.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2023-01-02
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. (NJ)

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, has violated my rights. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX NA XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX 

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 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXXXXXX SANK 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 2022-07-13
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. (CA)

When I investigated my credit report upon securing an updated copy, I realized that some of the information are still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX  directly about the late payment reporting. the first rep removed the incorrect late fees. The 2nd rep refused to honor the corrected info on my credit report, he stated that I needed to contact the credit bureaus instead to have the late payments removed.