davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Do not send me anything back telling me you can not locate my credit file, in an attempt to stall even longer than the 60 days you have taken to not respond to me, and that this is not me making this complaint and the many made before this. I know you think normal consumers do not know the law, but you are sadly mistaken. You have been given everything you need to identify me, my credit file and credit report, and the disputed account I have requested many disputes for. Your credit reporting is inaccurate according to 15 U.S Code 1681. You are in violation of the Fair Credit Reporting Act for inaccurate and unfair credit reporting methods. You are reporting and furnishing inaccurate information in my credit file from a XXXX  XXXX XXXX account. You are furnishing inaccurate and unfair information on my credit file, and according to 15 U.S Code 1681n and 15 U.S Code 1681o, you are engaging in willful and negligent noncompliance, and that is basis for actual and punitive damages, along with attorney fees. You are knowingly furnishing information with knowledge that it is inaccurate. I will be seeking damages of no less than {$1000.00} per violation and for the emotional distress you have put me and my family through with your inaccurate credit reporting methods. 

I have disputed many times with Equifax about this account and I have saved all communications going back almost 24 months to present in federal or state court if I have to. They took longer than 30 days to respond and they have also not done an investigation. E-Oscar or any other form of electronic investigation is unacceptable. I have requested everything in my file according to 15 U.S. Code 1681g and no original contract has been provided to me as XXXX  XXXX XXXX has admitted, they do not have a contract or anything that legally ties me to this XXXX  XXXX XXXX account, so I am not sure how this information keeps coming back as verified and I am not sure how Equifax is doing a reasonable investigation and have not come up with this finding. 

I have asked for a " description of the procedure used to determine the accuracy and completeness of the information ... '', as stated in 15 U.S. Code 1681i, but Equifax has knowingly and willfully decided to violate the law and not provide me with this information, especially in the 15 days stated in the Fair Credit Reporting Act. 

It appears Equifax has taken it upon themselves to re-age the XXXX  XXXX XXXX account information in my credit file, in addition to violating my privacy and consumer rights as it pertains to this XXXX  XXXX XXXX account. This is in addition to information that Equifax decided to " update '' and change on its own with no prior notice. 

Equifax has been given plenty of documentation that warrants the deletion of this XXXX  XXXX XXXX account from my credit file.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DIGITAL FEDERAL CREDIT UNION (MI)

To Whom it May Concern I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquires from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the XXXX XXXX XXXX ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that i am a victim of Identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681-2 ( a ). I became aware of the breach of my personal information through XXXXXXXX XXXX XXXX, which has exposed my sensitive data to unauthorized individuals. the following fraudulent accounts and inquires have been identified as a result of this breach
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

sent dispute on XX/XX/2021 to transunion, XXXX, XXXX and, XXXX XXXX through certified mail no. ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) .with a formal dispute with instruction and a affidavit of truth and facts or notice of intent to sue for violation committed by these companies disregarding the law taking abuse on a consumers rights.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2021,XX/XX/2021, XX/XX/2021 I sent in a request for validation to said company Fair Collections Outsourcing ( FCO ). Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company regarding validation! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter. 

Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g- VALIDATION OF DEBTS, you are only to sent the following within 5 days of initial communication : ( a ) Notice of debt ; contents Within five days after the initialcommunicationwith aconsumerin connection with the collection of anydebt, adebtcollector shall, unless the following information is contained in the initialcommunicationor theconsumerhas paid thedebt, send theconsumera written notice containing ( 1 ) the amount of thedebt ; ( 2 ) the name of thecreditorto whom thedebtis owed ; ( 3 ) a statement that unless theconsumer, within thirty days after receipt of the notice, disputes the validity of thedebt, or any portion thereof, thedebtwill be assumed to be valid by thedebtcollector ; ( 4 ) a statement that if theconsumernotifies thedebtcollector in writing within the thirty-day period that thedebt, or any portion thereof, is disputed, thedebtcollector will obtain verification of thedebtor a copy of a judgment against theconsumerand a copy of such verification or judgment will be mailed to theconsumerby thedebtcollector ; and ( 5 ) a statement that, upon theconsumers written request within the thirty-day period, thedebtcollector will provide theconsumerwith the name and address of the originalcreditor, if different from the currentcreditor.
Consumer complaint received 2021-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc. (OK)

On XX/XX/XXXX, I was served a summons I was being sued over a medical debt from XX/XX/XXXX. I had no clue about this debt OR that it had been purchased by a collection agency. 
When the services were initially rendered, I had been terminated from a government sponsored medical plan a week or so prior and didn't know I was uninsured. I had given the admissions person the XXXX information when I was seen in the ER. I found out later that day when I tried to fill a prescription, that I had been terminated from the insurance. 
I never received a bill for the services, so I thought it had been paid by XXXX. 
I moved to my current location in XX/XX/XXXX. I had the same phone number from XXXX - XXXX. I also had a job at the same place during that time. 
My first notice of this debt was the summons to appear in court for an outstanding debt of {$1000.00}. 
I have been attempting to fight the civil case in court per se since our first court date. Professional Finance Company, LLC has never called me or attempted to remedy this debt outside of the court proceedings. I attempted to settle for {$250.00} with my paperwork during discovery. No response, only another court date. 
Not only did I NOT know this debt was still owed for 4+ years, I didn't know it had been sold to this predatory company. They sued me without ever trying to contact me.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

As a first time homebuyer, I am frustrated with my experience applying for a mortgage through Citizens Bank. From the date I placed an offer on a townhome I had one month until closing on XX/XX/XXXX. I was informed by the loan officer, XXXX XXXX that I did not require a home appraisal. At no point was I informed that the appraisal waiver could later be denied, for reasons outside of my control. Due to the lender not having a documented unit # associated with the address until it was submitted to underwriting, I was informed I no longer qualified for an appraisal waiver, 11 days before closing. Had I been informed that this could happen, even if it was not expected, I would have asked for an appraisal from the very start knowing that it takes weeks to be completed, and there was no room for delay in order to close on XX/XX/XXXX. The majority of communication with my loan officer after that shifted to texting. I felt that direct verbal communication was being avoided, despite it being my right to ask questions especially as a first time borrower and buyer. Days went by where I did not receive any phone calls and I had to request to be contacted for updates. I reached out to upper management because I did not feel I was being supported. When I finally received a call the evening of XX/XX/XXXX, I asked multiple times why there wasnt an option to have requested an appraisal from the very start to avoid having to request a rush appraisal suddenly, but never got a direct answer. I felt there were unprofessional statements made, Im not laughing at you ... this is a nervous laugh and You can call whoever you want, it wont make a difference. This would make anyone feel insecure who is supposed to entrust a lender with a major financial investment, and only bolstered my decision to withdraw my mortgage application. I would feel differently if they communicated regularly as promised and were more supportive overall. I also didn't feel I should have been expected to cover the cost of a rush appraisal when I was not at fault. I initially wrote this complaint when I was not refunded the initial appraisal fee of {$580.00} ( the appraisal never got scheduled ). However I have at least now been credited that amount. I had to close without a mortgage, but nonetheless I still feel as a customer banking with them for about 8 years, my needs were disregarded and hope other first time home buyers are treated better.
Consumer complaint received 2021-10-07
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. (NC)

For the past few years I have been working on repairing my credit. I have sent three or four disputes to XXXX in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that XXXX is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.
Consumer complaint received 2022-01-18
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. (TX)

I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help me.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My visa credit card with Bank of America was used for fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX. 

There were 20+ fraudulent transactions that happened in just a couple of days ( card used across multiple states on same day ) and I had informed BoA about all the fraud transactions after I got alerted through the the fraud alert on phone for one of the transaction on my phone. BOA had immediately reversed all the transactions ( thank you to them ) and had blocked my card. I was informed that a new card is being dispatched. 

However, a couple of days ago, I checked online and noticed that all the fraud claim charges were put back on my new card. When I called the BOA helpline, they told me that based on the information received from merchant they reversed the fraud claim. I had asked them to share the information but as per them they are not able to share the details. The card was used across multiple state ( NJ, CA, MA etc. ) on same day and physically also at car dealerships, hotels, along with some online orders. For example 1 ) XX/XX/13 - two transactions of {$700.00} and {$400.00} at XXXX XXXX XXXX XXXX CA using Physical card 2 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$650.00} and {$460.00} ) 3 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$400.00} and {$550.00} ) I had asked BoA to recheck through an appeal process officially. I have requested them to get photos from merchants of people who physically used the card across NJ, CA on same day as this is a criminal activity. 

Please also note that physical card was in my possession all throughout which I had also informed BoA during fraud claim process. They had recently dispatched a wireless card to me ( just before this fraud started happening ) which I was yet to open and use. Looks like either a duplicate physical copy of card is created through the new card while it was in mail transit. Or a copy of old card is created using data theft at one of the merchants where I have used it in past or a data theft from some companies data online base. 

While BOA has taken an appeal, they are not reversing the transactions and they have told they will not be able to share any details received from merchants about my claim. 

Therefore, I am concerned as the amount of fraud is significant ( close to {$5000.00} ). I can share more details whatever is required to find the culprits and resolve the fraud. Please help guide me on next steps as BOA is currently not reversing the transactions. Thank you in advance for help and guidance! 

Regards, A Bank of America Credit card customer
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX sent me a secure link to pay him but it never said XXXX XXXX XXXX XXXX 

I had made a contract with XXXX XXXX XXXX XXXX XXXX XXXX and that is where I was suppose to had sent the money. {$1000.00} Neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX provided me with any services. 

I filed a dispute on XX/XX/XXXX with my bank USAA against XXXX XXXX and the {$1000.00} payment. 

I also filed a complaint to the Alabama bar association on XXXX XXXX law firm on XX/XX/XXXX. 

I called Attorney XXXX many times and got no response. 

I have contacted Usaa bank a number of times about this dispute. Usaa initially issued me a temporary credit for the funds but now has reversed the credit. I asked Usaa bank to reopen the dispute because I never had a contract with XXXX XXXX who I mistakenly sent the {$1000.00} to. XXXX XXXX XXXX nor the XXXX XXXX XXXX  provided me with any services. 

I asked the Usaa bank to take another look at the dispute today. XXXX with the executive resolution team said that she resubmitted the information and asked that I be provided with copies of whatever XXXX XXXX XXXX XXXX provided to Usaa bank. 

The issues is clear. I never made a contract with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX never rendered any services to me. 

XXXX XXXX XXXX was who the contract was with and XXXX XXXX XXXX did not provide any services to me. This is what is in dispute and the cause to have all funds reimburse. 

Usaa is refusing to take a complete look at the contract to see who was in fact under the contract and who the funds were to be paid to and what service was to be rendered. 

Regards, XXXX XXXX
Consumer complaint received 2021-09-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I sent a letter to Transunion disputing inaccurate information on my credit report. They sent me a letter stating that it was verified. I then sent a follow up letter on XX/XX/XXXX asking how was a bankruptcy verified if I contacted the courthouse, spoke to Ms. XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to Transunion ? So, how did they retrieve this information if the US Bankruptcy of XXXX Georgia did not provide such information to them. This unverified and inaccurate information they are reporting has made me paid several thousands more in interest and is preventing me from getting approved for a mortgage. 
I filed a complaint with CFPB, they stated that they would complete another investigation. 

On XX/XX/2021, I contacted Transunion at XXXX XXXX XXXX XXXX , spoke to XXXX XXXX whom stated that she did not have an employee number ( She only has her name and picture on her ID ) to obtain a status on said investigation. Ms. XXXX stated that, a letter was mailed to stating that the account was verified. I then requested that she tells me who it was verified by, she stated that it was verified by The US Bankruptcy of XXXX Georgia. I followed up with whom they spoke to at the courthouse, she stated that she does not know, and that she would transfer me to her supervisor. 

Ms. XXXX transferred me to Mr. XXXX XXXX, whom also stated that he did not have an employee number. I relayed what Ms. XXXX stated to me, and asked that he provides me with his method of verification of this inaccurate information that they are reporting on my credit report. Mr. XXXX stated that they contact the creditor or the Lender. I proceeded to ask him Mr. XXXX who if the US Bankruptcy of XXXX Georgia does not report information to them. He then stated that it was verified through a third party lender who obtained the information from the courthouse and provided it to them. I asked him who the third party lender he obtained inaccurate information from, he stated that he could not provide me with the name of the third party lender. 

Now, I am extremely confused, irate, anxious, and emotionally exhausted about the inconsistent information that i keep receiving from Transunion about this inaccurate and unverified item they keep reporting on my report. This has prevented me from getting a mortgage loan, caused and still causing me to pay several thousand of dollars extra. They are to report 100 % accurate and verifiable information on my account!

I demand that they delete this inaccurate and UNVERIFIABLE account from my credit report for failure to conduct a proper investigation.

Item : US Bankruptcy Court-Chapter XXXX Bankruptcy
Consumer complaint received 2021-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. XXXX XXXX XXXX is reporting numerous missed payments on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''