davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

I requested a balance transfer of {$12000.00} with my credit card company Barclays Bank and it was approved and deposited to my bank account with XXXX XXXX  on XX/XX/2021 in the amount of {$12000.00}. My account with Barclays reflects that they have made two duplicate deposits for {$12000.00} each totaling {$24000.00} with two duplicate balance transfer fees of {$360.00} each totaling {$730.00}. They have made only one deposit to my bank account with XXXX XXXX for {$12000.00}. I have credit line of {$17000.00} and they are reporting to the credit bureaus negatively, and it has impacted my credit score and credit report negatively. I have not been able to apply for any credit during this time as it affects the interest rate. I have made numerous attempts to resolve the issue. First phone call attempt was made on XX/XX/2021 at XXXX XXXX. and I spoke with XXXX advising of the issue and was reassured it would be addressed. XX/XX/2021 I spoke with XXXX at XXXXXXXX XXXX. and was reassured it would be addressed, with no record of my phone call from the day before. XX/XX/2021 I requested to speak with a manager due to being told no record of the phone call and spoke with XXXX in the Customer Care Department and was reassured it would be addressed and was provided with case number # XXXX. I was advised the issue would be addressed and that they would update my account and report the correct information to the credit bureaus removing the duplicate balance transfer of {$12000.00} and duplicate transfer fee of {$360.00}. I requested XXXX to follow up and update me on this matter and she agreed. Today is XX/XX/2021 and the issue still has not been resolved and I have not received a call back as promised by XXXX. I have a payment that is due XX/XX/2021 for the incorrect amount and I am very frustrated that XXXX has not addressed the issue with my account and updated the bureaus correctly. This issue has dropped my credit score from XXXX to XXXX. I have the credit card account for an emergency and now can not use my credit line to bury my father that just passed away due to XXXX. His cremains sit at the funeral home while the bank does nothing to fix this issue. I take good care of my credit by paying my bills on time and should not be impacted like this. I've explained the urgency to XXXX as I'm working through this difficult time. Please escalate this issue so my family and I can bury my father. Thank you.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XX/XX/2021
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (NY)

The Credit Bureaus never did a proper " Investigation '' according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This did not occur. 

Also, they violated my rights even further. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the Open Date is inaccurate, Balance amount is inaccurate, Last reported date is not accurate, Last active date is inaccurate, and Last date of payment? 

This is evidence that this account from XXXX XXXX - XXXX needs to be deleted! 

I sent in proof that I was never late and XXXX XXXX never check their account system nor used the proper date to claim I was late. 

So I have some questions for the Credit Bureaus... 

1. How did you verify that I was late? 
2. Did you call them? 
3. What date was I late? 
4. According to the FCRA, I need the supporting documents ( 2nd request ) They also violated the law according to : 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 authorization. I did NOT give anyone written instructions
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 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.
Consumer complaint received 2022-06-17
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. (CA)

I noticed several accounts on my credit report that does not belong to me. 
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 XXXXXXXX I noticed unauthorized inquiries on my credit report. Someone else applied using my name. According to the FCRA ( Fair Credit Report Act ) these unverified and unauthorized inquiries must be deleted : 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 Experian 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 2023-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

As a victim of identity theft, fictitious loan schemes, I am entitled to victim civil relief fund Consumer Financial Protection Relief 12 CFR Part 1075 Docket CFPB 2013 XXXX XXXX  XXXX XXXX Consumer Financial Civil Penalty Relief Fund Billing Code XXXXXXXX XXXX XXXX XXXX, with XXXX XXXX opened up fictitious loans against my property under identity theft, deed fraud, and without my knowledge, without my authority and without my consent, under fraudulent identity theft, fictitious loans. 

The loans were taken, with the aid of government employees, that knew the loans were being placed on property without any legal authority, protocols or safeguards. 

The loans have exceeded over {$350000.00} and Rushmore Loans has responded that these fictitious loans can unlawfully seize my property. 

The Rushmore Loans company has facilitated fraud by ignoring claims of identity theft that has been confirmed with evidence showing the facilitation of fraud by dozens of parties that used government resources, government employees and government facilities to gain and benefit of fictitious loans, and equity skimming schemes.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I received a letter from Equifax requesting that I provide 2 forms of I.D . as proof of identity as well as my FTC report. For Equifax to block information under Section 605B of the Fair Credit Reporting Act, I am providing this information attached to this complaint. Just to reiterate, I am XXXX XXXX, a consumer and I am pursuing 15 U.S. Code 6802 my right to privacy. I am requesting the following information to be blocked and deleted 15 U.S. Code 1681c-2 from my credit report within four days as stated in the law : 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 XXXXXXXX I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: First Technology Federal Credit Union (TX)

On XX/XX/XXXX I filled an application to extend the limit on my credit card. It has to be noted that this is something employees at FirstTech XXXX campus suggested a few years ago. FirstTech considered me a more desirable customer then but now. On XX/XX/XXXX I received a denial notice from FirstTech without any specifics but " Incomplete Application ''. The application was complete and consisted in the form provided by FirstTech. This is the second time this year FirstTech is denying me a loan without clear explanation ( I applied for Mortgage which I ended up getting from another institution due to the reluctance of FirstTech making it too difficult ). I have been with FirstTech since 2012 and I have outstanding records with them ( as well as all financial institutions I am in business with ). I have maintained very good credit score over the years. Given my outstanding records I can not explain how FirstTech can legitimately and legally deny my application.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX. 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.
Consumer complaint received 2021-12-31
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: Experian Information Solutions Inc. (NV)

On XX/XX/2021 I sent off several Identity theft letter regarding fraudulent accounts and inquiries on my consumer report It has been way over 30 days. I just recently just sent off another Identity theft letter with an FTC report on the XXXX of XXXX and it was received by All of the three consumer reporting Agencies. I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these accounts with 30 days gives a reason to immediately delete these accounts from my consumer report. It has been over 30 days so the accounts should be deleted promptly. I demand these fraudulent accounts and inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong person hands
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I've sent dispute letters from XX/XX/2021 up until XX/XX/2021 stating that the account is inaccurate and needs to be deleted for XXXX XXXXXXXX XXXX 
None of the information has been verified and I have not been sent proof of what they did to verify the account. 

This account is reflecting as a charge off and should not be showing active payment history.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-19
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: EQUIFAX, INC. (CA)

i submitted a dispute to the credit bureaus and they did not respond and have violated my consumer right. I am demanding they delete the inaccurate account from my credit report. They have to report with 100 % accuracy which they have not and I'm seeking a deletion on the account and compensation.
Consumer complaint received 2021-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (NV)

On XX/XX/2021, someone allegedly named XXXX XXXX ordered a laptop computer online and it was shipped to XXXX XXXX XXXX XXXX, XXXX, OR, XXXX. This week, I was notified by XXXX that I had a past due account. I called XXXX XXXX  and notified them. They told me to file a claim on XXXX. and send them a notarized letter which states it was fraudulent. The claim has damaged my credit rating and the company has not removed the late payment allegation. I have closed the account and requested relief.
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car. In XX/XX/XXXX Hyundai Motor Finance illegally repossessed my car. On XX/XX/XXXX I requested a copy of the contract. To my dismay the contract now has a FORGED signature on the contract that WAS NOT on the contract when I left the dealership XX/XX/XXXX. I am giving XXXX XXXX XXXX and or Hyundai Motor Finance the opportunity to resolve this fraudulent matter. If not settled to my satisfaction I will be pursuing in Federal Court as FORGERY is a FEDERAL violation.
Consumer complaint received 2023-03-14
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2021-12-15
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. (MI)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Name : XXXX XXXX XXXX Address : TBD, XXXX XXXX NY XXXX XXXX : about {$610000.00} Annual income : {$95000.00} Rent : {$2200.00} Current Outstanding Principal : about {$75000.00} Cars Outstanding Principal : about {$37000.00} New Mortgage amount : {$200000.00} Reason : To consolidate debts. 

On XX/XX/2021 I applied to refinance XXXX Condo. with Wells Fargo Home Mortgage, I had verbally confirmed my eligibility and we agreed to pursue. 
On XX/XX/2021 I submitted the majority of required document and asked to pause on appraisal until I get conditional approval. 
On XX/XX/2021 I was assured by Wells Fargo team that all conditions have met and I should pursue with the appraisal. And I did. 
On XX/XX/2021 - I was verbally given closure date - XX/XX/2021. 
On XX/XX/2021 - I was verbally given closure date " before XXXX '' XX/XX/2021 On XX/XX/2021 - I was given a new date XX/XX/2021. 
On XX/XX/2021 - I received a call stating that I do not qualify for refinance, because the mortgage does not meet XXXX XXXX requirement for investment property " it is 27 %? renters in the building '' On XX/XX/2021 - I asked to provide me an official decline letter in writing. The company failed to provide me a letter. I also asked the company to reimburse me for appraisal fee. 
More references available upon request.
Consumer complaint received 2023-03-27
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that the following items will be corrected or deleted soon : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-11-20
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. (TX)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.