davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (GA)

I was the XXXX  XXXX  for my mother, who had become very ill. I took care of her for approximately 2 months. My bills have fallen behind and I reached out to my creditors, who have worked with me, offering payment deferments, waiving of late fees, interest fees, and not reporting negatively to all credit bureaus with the exception of Fortiva. I reached out again on today, XX/XX/2020 to Fortiva and advised them that I am continuing to experience a financial hardship and if they can please work with me. I advised Fortiva that my XXXX, XXXX XXXX, in XXXX, GA whom the card was used for, is closed until further notice and they are not sure when they will reopen and my XXXX   isn't seeing patients at any other locations, until further notice. I have had to go 4 months without having my XXXX  XXXX, understandably due to the pandemic yet. I inquired of Fortiva if my late fees could be waived and payments deferred under the Cares Act of 2020. The representative advised that they can not waive my late fees. They will extend my next due date to XX/XX/2020 but until I bring my account current, the late fees will remain and I will continue to get charged such fees, including interest. Once I am able to pay this card off, I will never use Fortiva again. Be aware other consumers, if you experience an unexpected financial hardship, this company has no sympathy. I am also a XXXX  and XXXX Veteran of the United States XXXX.
Consumer complaint received 2023-06-26
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. (IL)

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.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

As of XX/XX/14 TransUnion sent me a letter stating that their investigation came back as being verified by the XXXX XXXX XXXX XXXX. The letter I provided from XXXXXXXX XXXX XXXXXXXX House clearly states no information was ever share with TransUnion or any Vendor. This fraudulent reporting without showing proof of any Documentation. TransUnion continue to lie it's verified by the Federal Court house. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] to 602. Congressional findings and statement of purpose [ 15 U.S.C.

1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 611. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit Reporting Act ( XXXX Account Number 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 state a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX, XXXX and Experian regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

During my Citizens home loan application process, all forms of income reported weren't accounted for thus the loan was denied. 


On Monday XX/XX/2022. I gave the mortgage lender 3 jobs that I currently work and notified her that I will be giving her 2 more as I work for a XXXX XXXX and pick up contracts throughout the year. 

On XX/XX/2022 I updated her one more of the places of employment I work for. 

On Wednesday, XX/XX/2022. I updated the mortgage loan officer with all current places of employment for work verification. As this was the first time I was notified that they have to do VOE which was never previously done. 

On XX/XX/2022 I was updated that none of the places where contacted. I am not sure why however, that is a span of 2 weeks that no-one attempted my VOE. 

On XX/XX/XXXX, I was told that my loan was suspended due to t a back up. 

On XX/XX/XXXX, I was notified that my DTI was high for the loan amount. 
I was also notified on this day that only 2 out of the 5 incomes were being used. 

To be specific it was the 2 XXXX jobs and the XXXX XXXX I work for that were excluded for unknown reason. 

I asked to speak with someone above her ( mortgage lender ), however after a week, I was never contacted by anyone else. 

Also the price of the home is {$170000.00}. I have a XXXX XXXX. The denial letter stated I was denied for a home loan of XXXX. That was also inaccurate. 

There were also many days and sometimes weeks that I wouldn't hear back from anyone even after calling and sending multiple emails. This has showed a great lack of negligence and communication in the home loan process.
Consumer complaint received 2022-07-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted XXXX, Transunion and XXXX regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.
Consumer complaint received 2024-11-12
Product: Credit reporting 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)

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. 
Account name 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 has violated my rights. 
I looked at my TransUnion credit report on XX/XX/XXXXand noticed somethings are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2022-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy Case Number : XXXX As a consumer by law, this account must be deleted immediately 2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
+16. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed numerous times to all 3 bureaus for my auto loan with XXXX XXXX Iam not responsible for this I have disputed. I did my dispute with transunion on XX/XX/2022 and it's now XX/XX/XXXX and still not completed. It needs to be removed from my credit reports asap or legal action will be taken.
Consumer complaint received 2022-11-30
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. (IL)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (OR)

On XX/XX/2023 at XXXX I did an instant transfer from my XXXX account to my cash app. I've yet to receive the {$98.00} I sent. XXXX XXXX was quite helpful and informed me the money had passed their system and to check with the receiving bank. XXXX  times I contacted support with cash app. On the XXXX time on XX/XX/2023 I felt they were gon na rush me off after getting my issue completely wrong, I decided to inform the advocate how frustrated I was. The advocate, named XXXX, informed me he would forward my case to a special case group. I waited a couple hours and realized my cash app account was signed out. I signed back in only to be informed my account was closed. After inquiring as to why it was closed I was told for violating the terms of use. I've received no further communication from cash app. They've continued to tell me to contact my bank or to tell me it's not possible to send money between XXXX and cash app.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: KEYCORP (NY)

Dear Sir/Madam, I am writing to file a formal complaint against KeyBank for XXXX discrimination in the lending process. My name is XXXX XXXX, and I recently applied for an auto loan of {$20000.00} from KeyBank. However, my application was denied, and I strongly believe it was due to my XXXX 

As a federally regulated institution, KeyBank is obligated to follow federal laws and regulations that prohibit XXXX discrimination in lending, such as the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act. These laws aim to ensure that all individuals are treated fairly and equally when seeking credit. 

Despite these legal protections, I feel that KeyBank failed to adhere to these standards and engaged in discriminatory practices during my loan application process. I was not provided with a clear reason for my loan denial and was left feeling that my application was unfairly judged based on my race. 

I am filing this complaint with both the National Fair Housing Alliance and the Consumer Financial Protection Bureau to request that they investigate this incident and hold KeyBank accountable for any discriminatory practices. As an affected consumer, I believe it is important to hold financial institutions accountable for any actions that violate federal laws and regulations. 

I request that the National Fair Housing Alliance and the Consumer Financial Protection Bureau investigate my complaint and take appropriate action against KeyBank if found guilty of violating these laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (IL)

WORLD FINANCE INC XX/XX/XXXX, I agreed to a payment plan to bring my account current. At the time, I was told I would no longer be incurring extra fees or interest while trying to pay back the current amount owed. 

To date XX/XX/XXXX, I have been paying on time as agreed in XX/XX/XXXX with the understanding that my credit would not be adversely affected. Instead, after reviewing a new copy of my credit report, I found that the agency has been reporting my payment as late each month. Although I am following their payment agreement. 

I have called twice in XXXX to try to remedy the problem. They gave me the run around and said sorry there is nothing we can do, unless you want to pay in full?? 

I have never had a company that enters a payment agreement with you but still negatively connotates your credit history. Ridiculous!
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (ND)

I am filing this complaint against XXXX for unlawfully refusing to provide me with my credit report under the Fair Credit Reporting Act ( FCRA ) which violates 15 U.S.C. 1681g unless I provide my XXXX  XXXX  and a copy of the very address they sent a rather deceptive letter trying to gather information instead of supplying me my credit report after I demanded a copy of my report via the CFPB portal. ( See attached ) I didnt provide any information, so Im very curious as to what your company is referring to? 
XXXX. What documents are you referring to? 
XXXX. What was illegible? 
Furthermore, any information that you dont have or doesnt match is NOT MY RESPONSIBILITY. Im not doing your job for you. 
In addition to violating the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), XXXX demand for my Social Security number violates privacy principles outlined in The Privacy Act of 1974 ( 5 U.S.C. 552a ), which establishes that individuals can not be forced to provide a Social Security number as a condition for receiving benefits or services unless required by law. XXXX has no legal basis for conditioning access to my credit report on my providing my Social Security number. 
Regarding Category XXXX Current Address, I find it absolutely idiotic that you sent a document stating you wont give me a copy of my consumer credit report without verifying the exact address you sent the document to. 
Moreover if this interaction isnt enough " verification '', use my XXXX report. 
15 U.S.C. 1681g says upon request your company, a consumer reporting agency, shall clearly and accurately disclose what they have on file to the consumer. 
Your company is to immediately furnish a pdf copy of my consumer credit report to the email associated with my profile or directly to this portal, any further failure to do so and I will ask that the CFPB investigate XXXX  refusal to comply with the law and impose fines and penalties under 15 U.S.C.1681n for will non-compliance, and any other damages deemed appropriate by the CFPB XXXX
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

XXXX XXXX admits there was mistakes contrary to what she told you several times. 
Attached Note XXXX page two states XXXX is due to reinstate my loan. 
Please see 9Month. It states XXXX that {$48000.00} is needed to reinstate my loan. 
My payment is to be {$2600.00} 9 months of that equals {$23000.00} If we subtract that from the timeline ending XXXX {$59000.00} less {$23000.00} we get {$35000.00}. 
If anything XXXX made was accurate it would balance forward and backward. Here we see of 2 documents she produced one must be errant. 
No verbose statement fixes such an error.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I applied for a XXXX credit card about two weeks ago and was not approved then today XX/XX/20 I got a letter in the mail saying that the reason I was not approved was because there were accounts and inquiries reflecting badly on my credit. I looked at each of those accounts/inquires and I realized that none of them belong to me. I did not open any of the accounts that have been listed on this report nor did I give anyone permission to open them in my name. I do not have any contract or agreement with any of these companies and I am not affiliated with them in any way. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards those accounts. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: World Acceptance Corporation (SC)

I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -World Acceptance corpora XXXX XXXX XXXX XXXX