davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to trans union to rectify drops in my credit score due to false reports from XXXX XXXX. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.
Consumer complaint received 2023-03-10
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. (MA)

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 2022-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

I have been the victim of identity theft in XXXX and XXXX. I have had multiple attempts of fraudulent activity using my stolen identity to open credit cards, XXXX accounts, checking accounts and had my phone number remotely stolen. I have still an unresolved hard inquiry still showing on my credit reports that are affecting my credit score and I would like this removed. XX/XX/XXXX - Comenity Bank, XXXX XXXX XXXX fraudulent attempt to open a credit card at XXXX XXXX department store. I have never been to a XXXX XXXX department store in my life, nor have I tried to open an account with them. I did dispute this inquiry with Comenity Bank and they did confirm this was unauthorized. They sent a letter confirming this fraudulent activity on XX/XX/XXXX and they wrote they would notify all credit bureaus. However, XXXX and XXXX still have not removed this hard inquiry and both requested I fill a dispute with FTC.gov. I have tried multiple times as well this year to contact XXXX XXXX directly as well but they do not answer their phone calls.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (MN)

XX/XX/2023 @ XXXX cash app stole XXXX XXXXXXXX my card they link a XXXX card to my account without my knowledge ending in XXXX. I received a email and text telling me my email was unlink to my cash app account and some werid XXXX XXXX  debit card ending XXXX was unlink from my cash app once I notified cash app there's some fraudulent activity going on and my money was stolen they Act like they didn't card and cash app close my cash app account. .I made a Police report. This all happened in one day XXXX XXXX @ XXXXXXXX XXXX
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-04
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: Avant Holding Company, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2019-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (KY)

XX/XX/XXXX I am currently on Leave of Absence from my job and have scheduled XXXX on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX. I am struggling right now. I made a partial payment on my account on XX/XX/XXXXand set up a partial payment for the XX/XX/XXXX, and was unable to pay due to going on emergency LOA on XX/XX/XXXX that was unexpected due to complications related to my XXXX. I have been with XXXX XXXX, XXXX Tennessee since XX/XX/XXXX and have always made my payments in a timely manner and always contacted them if I would even be a few hours late paying. I called as soon as I new it would be a problem to make that payment They informed me they do not have a Hardship Program for my situation even though they have made over {$2000.00} in interest payments from me over this period of time. It was a situation where I needed to get away from a XXXX XXXX situation in XXXX, Tennessee and needed to open that again as important for me to move to XXXX, KY. So since they do not have a hardship program for me, they specifically threatened me with collection process that would even send me to their ATTORNEYS for immediate action and that I would no longer be able to talk with them. I feel this is very unfair practices since I have been so loyal to pay them when due. Please advise if I have any rights to this. I had a bankruptcy inXX/XX/XXXX Chapter XXXX and that affected my ability to get any type of traditional loan. My identity has been stolen twice in the last 5 years due to my health care provider being Cyberattacked. I am dealing with a lot here. Anything you to do would be truly appreciated. 
Sincerely, XXXX XXXX XXXX e mail XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, KY XXXX XXXX XXXX  24/7 XXXX XXXX XXXX XXXX, TN XXXX My account # XXXX my phone # is XXXX cell landline XXXX
Consumer complaint received 2022-12-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I'm a veteran I have already used my VA benefits to buy one home, so I decided to use it to buy another home with Rocket Mortgage. I submitted all the necessary bank statements and proof of Income, along with all other requested documents by Rocket Mortgage, so they sent me out a Pre-Approval Letter. The Pre-Approval Letter was to be updated to an Approval Letter after Underwriting had verified all the support documents and signed off on the loan. Shortly after I received an Approval Letter stating it was signed off by Underwriting and a {$1000.00} dollar guaranteed to close document as well. After I received that letter, I found a house after I identify the house, I received a call from XXXX Money of Rocket Mortgage stated that my Approval was being retracted because my income was growing too fast for 2022. So, I ask what does that mean? XXXX, said that was what she was told by Underwriting she told me to call Customer Service which I did, and they stated the same reason. My Income is in the form of a Clergy Housing Allowance which was verified by my Employer, Bank Statements, Three years of Tax Returns along with XXXX XXXX XXXX XXXX as per the IRS guidelines. This has damaged my credit and my reputation along with causing me undue hardship due to a loss of potential Income.
Consumer complaint received 2022-07-28
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)

Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the XXXX XXXX account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.
Consumer complaint received 2022-04-28
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. (KY)

In accordance with the fair Credit reporting act XXXX  account # 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 states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (MS)

I am a victim of identity theft and there are two credit inquiries that are currently appearing on my credit report that I did not authorize. They are listed below : 1. XXXX Date : XX/XX/2020 2. US SM BUS ADMIN ODA Date : XX/XX/2020 I have provided all of the information that is needed for Experian to remove these inquiries from my Experian credit report. As of today, Experian is still showing these fraudulent inquiries on my credit report and have not provided me with any proof that these inquiries should still be on my credit report. I want these two fraudulent inquiries removed from my credit report immediately!
Consumer complaint received 2022-09-22
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. (AL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX I Account # 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 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Meridian Financial Services, Inc. (VA)

Meridian Financial Services, INC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Over the past 12 months we disputed the debt related to our timeshare and specifically asked for validation in writing. We then asked for verification that they are authorized to act on behalf of XXXX XXXX, as they do not own the alleged debt. 
According to the Fair Debt Collections Practices Act, we are entitled to this verification, and it is our understanding that the debt must be returned to the timeshare per the Act 's guidelines. The absence of communication is concerning and violates our rights as consumers. 
Meridian has not tried to properly pursue this debt when they dont follow the law. 
The alleged debt is disputed and any assistance in getting this matter resolved is appreciated.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (IL)

on or about XX/XX/2018, SunTrust Bank ( Now Truist ) restricted my access to my account ( XXXX ) without reason. With my access denied yet my account was still actively being charged and deposits accepted and accounted for, I have been wronged and injured beyond repair. Fair is Fair and just compensation is due. As the owner of account ( A single account is a deposit owned by XXXX person. This ownership category includes : An account held in XXXX person 's name only, provided the owner has not designated any beneficiary ( XXXX ) who are entitled to receive the funds when the account owner dies ; An account established for XXXX person by an agent, nominee, guardian, XXXX, or conservator, including Uniform Transfers to Minors Act accounts, escrow accounts and brokered deposit accounts ) per FDIC.gov, disclosure was withheld of this possible restraint and trespass of rights. I recall going to the bank on or around XX/XX/2018 and being told verbally my funds were on hold for XXXX XXXX XXXX days. As those days ended and communication was had, evidenced in the attachments, I was given the runaround and for the past XXXX years I have not been returned any disclosures nor the credits that were in the account ( XXXX ) at the time of UNAUTHORIZED TRANSFER/DEBIT ( XX/XX/2018 ) to unknown account. All communications and notices from SunTrust agents going forward were doubling the days going forward i.e. XXXX, XXXX, 120 days etc,. The attachments show the consumer transactions and how I, the consumer was robbed of { {$420000.00} } all the while crippling the consumers entire life financially and mentally. Pursuant title XXXX UNITED STATES CODE XXXX Trusts, etc., in restraint of trade illegal ; penalty -- Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding XXXX years, or by both said punishments, in the discretion of the court, conspiracy has been committed along with theft of funds from account. The branch upon gaining parts of the attachments is listed here ; XXXX XXXX XXXX XXXX XXXX, tennessee XXXX. We would like our accounts restored and funds returned to the rightful owner. SunTrust ( Now Truist ) is a FDIC insured entity, so at a minimum XXXX rightfully owed {$250000.00} ( XXXX XXXX and XXXX XXXX ).
Consumer complaint received 2022-12-14
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. (WI)

I am a natural person, I am a living breathing human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed from because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX  accounts ending in XXXX and XXXX XXXX account ending XXXX XXXX XXXX  XXXX  XXXX ending in XXXX XXXX  XXXX XXXX account ending in XXXX XXXX accounts ending in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX XXXX XXXX accounts ending in XXXX and XXXX
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (KS)

Last week Western Union Netspend blocked online access to my account and directed me to contact them by telephone. The account number is XXXX and the associated debit card account number is XXXX. 

I requested WU Netspend explain why my account was blocked and restore access. They have not provided the feedback and support I requested. 

I informed WU Netspend : - I have XXXX which don't allow me to speak over a phone or manually operate a phone. 
-I can't use FCC relay services because I can't use my hands to operate a phone or use my voice to relay messages. 
- I can communicate via online chat, I can send and receive text messages and I can communicate via WU Netspend 's message service.
Consumer complaint received 2022-03-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX reported my fifth third secured credit card balance inaccurately yesterday XX/XX/15 dropping my score over 30 points and a week before that re- reporting a late payment from two years ago dropping my score another XXXX points when I have made on time payments for more than six months on my credit card ending in XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX soc security XXXX
Consumer complaint received 2022-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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: Spring Oaks Capital, LLC (GA)

To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which 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 accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$90.00} XXXX  XXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 swiftly.