davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. 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 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me?

Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

On XX/XX/2023 at XXXX, I authorized a cash withdraw of {$400.00} from an ATM at Citizens Bank at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX The transaction was completed and the fund was withdrew from my XXXX  XXXX Checking Account via my bank debit-card ( XXXX ) : ATM transfer receipt record # : XXXX SEQ # : XXXX XXXX Debit XXXX Total fund withdrew from my checking account : {$400.00} ( including {$3.00} service charge ). 

Unfortunately, because of a mechanical problem with the ATM dispenser, no cash was dispensed, and the display told me to cancel the transaction with the bank. I proceeded to speak with the Citizen bank manager who told me that its ATM are not operating correctly and that I should contact my own bank XXXX XXXX  XXXX XXXX  to dispute the transaction and to recoup the fund ( {$400.00} ). He further stated that he can neither help nor to provide a record of this failed transaction. 

Being dissatisfied with his response or the lack of it, I called the XXXX XXXX Police to file an incident-report of this issue. An XXXX, XXXX XXXX, was dispatched and created a case : XXXX of this dispute. 

I contacted my Bank, which responded by stating that it can not pursue my dispute as I had legally authorized this ATM transaction and must pursue the return of my funds ( {$400.00} ) through Citizen Bank which had withdraw the same amount from my checking account or to file a petition with the Courts. 

I have tried but am unable to reach any responsible person from Citizens Bank which is denying any obligation to address this dispute or to return my missing fund. Given no other recourse, I am filing a complaint through your Bureau in hope of resolving this issue without the need to pursue justice and missing funds through the legal due process. It seems that it is recurring issue with Citizen Bank and its multiple ATM machines. Perhaps, we can prevent further distress and losses to banking-consumers by auditing Citizens Banks ATM transaction-records and requiring them to take prompt action to return consumers funds in future disputes. 

I thank you for your help.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX XXXX XXXX Account Name XXXX XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX CARD # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-09-27
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)

My name is XXXX XXXX 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 2023-06-29
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. (FL)

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

My husband deposited two checks into our account on XX/XX/XXXX inside the bank with the teller. The check has not shown up in our account. We made the branch aware of the situation and they simply said they dont know what happened and that the check should show up tomorrow. The check has not shown up in our account and weve made several attempts to call the branch but they do t answer the phone.
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: Bull City Financial Solutions, Inc (NC)

I'm XXXX XXXX, and 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 harming 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 must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-10-13
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. (FL)

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. 

Account : XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX  XXXX Account : XXXX XXXX XXXXXXXX, 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 that consumer reporting reporting agency can not furnish a account without mu 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 2022-07-12
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: EQUIFAX, INC. (SC)

Upon reviewing my updates, there are several unauthorized inquiries seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and needs to be deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-06
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)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-08-06
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: CBC Companies, Inc. (CA)

My name is XXXX XXXX not XXXX XXXX. I have asked Innovis to fix this misspelling of my name and they have so far not fixed it. 
PLEASE UPDATE MY NAME TO XXXX XXXX and please take any other bad names off of my report. 

There is a chargeoff/derogatory account on my Innovis Credit Report. IT is for XXXX XXXX XXXXXXXX for {$2200.00} I have been in communication with via certified letters and over the phone with all the 3 big credit bureaus to remove this account from my credit bureaus and all of them have removed it except for Innovis.

The reason they removed it is because this account is not in my name .. it is in the name of XXXX XXXX XXXX of XXXX XXXX XXXX That is TWO DIFFERENT PEOPLE.

I have sent in all my identifying documentation to Innovis so that they can see my name on my social security card, my drivers license and a utility bill to show that this account is NOT my account. 

What I asked them to do is remove this account permanently from my records and they have still failed to do so. Even XXXX XXXX recognizes that they are in error. 

I have also requested that Innovis make XXXX XXXX XXXX account ( which is my car loan account ) a " Paid As Agreed '' .... with no late payments and the 3 big credit bureaus have fixed this and put my accounts to paid as agreed except for Innovis. 

Innovis is extremely difficult to work with. 

Thank you for helping me to fix this problem. 

A security freeze has been permanently placed on my Innovis report but these items still remain to be resolved, removed and updated to a positive credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am a victim of Equifax, XXXX, XXXX, XXXX, Social Security Administration Data breach.There are several accounts, inquiries, incorrect addresses, incorrect SSN on my consumer credit profile that is a result from identity theft. Please delete all unauthorized accounts, inquiries, addresses, ssn, phone numbers, and collection accounts.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

These companies accessed my credit report without my consent, which has negatively affected both my credit and credit score. Despite contacting Equifax and receiving assurances that these inquiries would be removed, they still appear on my credit report. These unauthorized and fraudulent inquiries are causing me significant anxiety, as they indicate potential identity theft, exacerbating my stress and further harming my credit score.
Consumer complaint received 2022-06-23
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. (NY)

My credit report has so much false information on it and when I checked all three bureaus all the information across the board is inaccurate. I need this to be resolved immediately. I called multiple times to resolve the issue and I sent in a ton of dispute letters. I also asked them to send me proof of some of these accounts and they have yet to do do. Please get these negative items removed immediately. Not to mention when they do remove some of these items and correct the problem, they add them back on under a different account number and I am tired of this. I know somewhere this is against the law.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc. (UT)

I called Cornerstone Mortgage in XXXX to get started on a modification after being on a covid forbearance. I was sent a modification packet which I filled out and then sent back in. I then called to confirm that they had received ALL of it which they said they had and to wait 30-40 days. Now about a month has passed and I have just received a letter stating I am signed up for a deferral program with my first payment date being on XX/XX/XXXX. I didn't ask for a deferral, I requested a modification. This is a simple Flex Modification for a conventional mortgage that was in forbearance due to a loss of income from COVID. This servicer is awful. I have called four times today and been hung up on twice. Most of the contacts don't know what I am referring to. No one knows what is going on. I have wasted a month trying to get a Flex Modification and gotten no where. I am desperate for someone who has an idea of what is going on with the Cares Act and the standard process of getting off of forbearance. They are now stating that I don't qualify for a modification and are forcing me into a deferral. This servicer doesn't understand what is happening and I believe they are putting everyone on deferment even after the customer has requested modification. Please help! They are forcing me into a deferral.