davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-03-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Experian is reporting inaccurate information on my credit file.
Consumer complaint received 2022-03-09
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I changed my name over a year ago. I contacted all my credit cards, banks, etc. to get everything updated. When I tried to get a loan for a house purchase Equifax ( and only this bureau ) is telling the bank " this account is frozen. '' I spend hours trying to get a person to tell me what the issue is. They constantly keep trying to direct to go online ( which online tells me I MUST call ), or to use their phone system ( which isn't working for probably the same reason ). Any time I asked to speak to a manager, I would be cold-transferred back to the original call-in queue. 

Finally someone helped uncover my issue that they were still using my old name. They then claim that the only way that they can correct is is for me to snail mail or fax copies of sensitive documents to them, and that it would be resolved about a business week after they get them. 

I didn't need to contact any of the other credit bureaus, as they must have gotten the updates automatically from court orders, CC companies, and banks. Furthermore the requirement that I have to send something in to them and they don't accept email in the 21st century is absurd- It should be my call as I have already done it for the banks. 

Also, a 20 minute process of navigating their automated phone maze and entering in data multiple times when I know the outcome is " we can't find you in the system '' is ridiculous- and then when the agent picks up the phone none of it was transferred over to them should be considered abuse. 

This company should not be allowed to operate how it does, especially considering it's effectively a required service for most Americans. They should be disbanded and the federal government should run and fix these problems - a private industry 's only motive is cash- and it shows they don't have the staff and knowledge to run something so critical.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

USAA has an online survey in their app. It asks for my net worth and income, and then asks a series of questions about how likely I am to use the money service XXXX. Bank members have XXXX chances to fill out the survey and if you dont they cut off access to your account in the app. I have now lost access to my account. I do not believe I should be required to answer marketing questions about a third party company in order to access my bank account. I have spent XXXX hours on the phone with USAA. One USAA XXXX  told me the survey was required by XXXX  as part of the Patriot Act, Bankruptcy Act, and Secrecy Act. 
Does the federal government really require me to tell my bank how likely I am to use XXXX or else they cut off access to my online account?
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (SC)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for XXXX XXXX. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. I XXXX XXXX entered into a consumer credit transaction with Truist on XX/XX/XXXX. I sent in a negotiable instrument on XX/XX/XXXX to satisfy the debt. I heard nothing from Truist. On XX/XX/XXXX I mailed Truist a Silence is Acquiescence letter as I figured my negotiable instrument was accepted because I heard nothing from them. On XX/XX/XXXX I received a phone call from Truist saying that they didn't receive any documents from me so I faxed them a copy of everything and addressed the fax to the agent I was instructed to send documents to. I heard nothing. Since I did not know where I stood with Truist I then sent in a Notice of Dispute and asked them to send me verification & validation of the debt. I received an email stating they were looking into the matter on XX/XX/XXXX. XX/XX/XXXX I received a call from an agent stating that if a payment was not made, my vehicle would go into repossession status in 7 days. Fact, The fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized, and my fourth amendment right has been violated so be it. Such conduct from Truist has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I then received a letter from Truist with a copy of a contract from the dealership, which is not validation of the alleged debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Truist is required by federal law to verify, through the physical verification of the original signed consumer contract ( 28 USC 1746 ). The consumer credit transaction involved a finance charge. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Truist made me purchase insurance separately.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (WV)

I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXXXXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-18
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. (IL)

There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, XXXX, Experian, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. XXXX, Experian, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on Experian with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I made an inquiry with Mr Cooper, my current mortgage lender, about refinancing my home loan. My only goal was to lower my interest rate, not pull cash out. I made this exceedingly clear. I responded to an email I received from Mr Cooper, that stated, check your interest rate, but when you click it, it gives you phone number, not the rate. So I had to speak to a loan officer. I know that loan rates are known for my zip code and loan amount. I currently have 2.75 % and all I needed to know was there a lower rate for my area, or have rates risen due to inflation? XXXX XXXX XXXX ID XXXX, refused to give me that information, instead insisting that he needed to pull my credit, just to see what loan rates are in my area. I'm furious ... I understand I need to qualify for any given rate, but credit did not need to be pulled, hitting my credit report with an inquiry, just to see what current rates are. This guy was using aggressive sales techniques, only trying to improve his sales stats that he probably uses to make his money. I'm sure he's a sales based commission earner. My XXXX is in the neighborhood of XXXX and my husband is @ XXXX. I monitor it. I could have told him that just so we could have a conversation about rates. But no, he wanted to be sure I suffered a consequence if I chose not to refinance. He suffers nothing thus far, based on his interaction with me, and with this complaint, I hope to rectify that. He needs to understand clearly his sales techniques are disingenuous and dishonest. Mr Cooper, his employer and my current lender just lost my loyalty. Supposedly our conversation was recorded, so it took place on XXXX @ XXXX PDT.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-09
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: General Motors Financial Company, Inc. (CA)

GM Financial was given a copy of the attached Police report, my drivers license etc. along with a request to investigate and remove the inquiries that were created by them on all 3 bureaus from some one attempting to purchase a car in my name. I have a fraud alert on my bureau and thankfully no car was purchased. However, this company shopped my info all over the place resulting in a dramatic drop in my XXXX  score from too many inquires. I have asked them to remove them. They send me the generic response back they were shopping credit for me. No they weren't I have told them I was never at XXXX  XXXX XXXX, never applied for credit etc. So, they are not willing to accept this and remove these inquires. I had 84 inquiries between the 3 bureaus in a 2 day period. XXXX!!!!!
Consumer complaint received 2022-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

There are XXXX inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-09
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. (MO)

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  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 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

New mortgage loan servicer ( Shellpoint Mortgage Servicing XXXX as Newrez LLC ) acquired my mortgage loan mid-month after our first payment was issued to the original mortgage servicer. Newrez sent us a bill that didn't reflect the payment made to the first mortgage servicer. The first mortgage servicer reported our payment as lost so we promptly issued payment to Newrez to ensure our account would be current. We were instructed to issue a stop payment order with our bank for the first missing payment. After Newrez received and processed our direct payment, and our account was fully current, Newrez received our " lost '' check from the original mortgage servicer, endorsed it, and attempted to apply this payment to our account. After our bank rejected the payment due to our stop order request, Newrez charged us a {$25.00} fee for non-sufficient funds. We've written Newrez multiple times to dispute this charge but they failed to reverse their late/NSF charge . Newrez is knowingly and willfully engaging in deceptive and unfair business practices by acquiring loans, sending bills when payment is in process with the original loan servicer, and then charging late or NSF fees when the borrower/consumer is working to ensure that only one payment is applied at a time.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

On XX/XX/2020 GRANT MERCANTILE AGE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GRANT MERCANTILE AGE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2022-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-21
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: Ability Recovery Services, LLC (PA)

To Whom It May Concern, You are breaking the law! 
On XX/XX/2022 I disputed the following account on my consumer report with all three consumer reporting agencies, XXXX, XXXX, and XXXX. 
ABILITY RECOVERY SERVICE Account number XXXX On XX/XX/2022 I received a letter from XXXX with the results of the investigation which came back that this account was inaccurate and it was deleted from my consumer report. Pursuant to 15usc 1681i ( A ) 5 ( D ) any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. By law each reporting agency is required to uphold the same accuracy. 
On XX/XX/2022 I received an email from XXXX stating that a new collection account was added to my XXXX report. This was the same account that was already deleted by XXXX and XXXX ABILITY RECOVERY SERVICE Account number- XXXX Also, Pursuant to 15usc 1681b ( a ) ( 2 ) a consumer reporting agency may furnish a consumer report in accordance with written instructions to whom it relates. I never gave any written consent for this account to be furnished on my consumer report. Therefore, you had no permissible purpose to have this on my report which is also a violation of my rights. I demand this inaccurate account be deleted from my consumer report at once! 
XXXX XXXX XXXX