davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (TN)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (AZ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-04
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-04
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this account : XXXX XXXX
Consumer complaint received 2023-01-04
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. (NM)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I started a forbearance with LOAN CARE XX/XX/XXXX for 180 days for a COVID hardship. I also applied for the Texas homeowner assistance program on XX/XX/XXXX. They approve my application and brought my mortgage current XX/XX/XXXX. They then stated they would pay XXXX months of my mortgage for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XXXX ( can't recall date but XXXX can pull the call ) to see if I was still in forbearance and if not, if I could re open my forbearance XXXX of XXXX as I was still having a COVID hardship. I was told by the rep to find out exactly when my mortgage assistance would end and to call back because I was no longer in a forbearance. I was told I could not be in a forbearance and receive mortgage assistance. I then called the mortgage assistance and they told me my last payment assistance would be XX/XX/XXXX. I then call XXXX XXXX ( XXXX XXXX  ) and told the rep what the first rep from XXXX told me. She told me I was not in a forbearance again and would need to reapply. I specifically told this rep I wanted the forbearance to start XXXX of XXXX! She stated she would submit the application and I would hear something before XXXX. XXXX past and I didn't hear anything so I called LOAN CARE a third time. I spoke to a rep who state my forbearance was not closed initially ( this is not what the first XXXX reps told me ) snd stated my forbearance was only extended until XXXX of XXXX. I told her this didn't make any sense and every time I call I am told totally different things. I asked her to let me talk to a manager but she passed me on to another rep ( third call/fourth rep ). This rep stated I was never taken out of the forbearance. I stated okay if that's the case why am I only being allowed a XXXX month extension when I should be allowed another 180 days under a XXXX XXXX forbearance extension. She was not able to provide this information and seemed confused. She stated she would review/escalate the info and I would hear back. Its now a week later and I have not heard anything. I would like to know what's going on and if my forbearance was ever ended? I would like to extend my forbearance for the MAX time I can or at least the one 180 days extension I am allowed to take because I am still having a COVID hardship. This has been a mess.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I have a Bankruptcy report on my credit report. I've reached to XXXX and they said that LEXISNEXIS gave the report to them. REMOVE these Bankruptcy report from my credit report immediately. These are not mine.
Consumer complaint received 2023-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OPORTUN FINANCIAL CORPORATION (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A oportun loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On the evening of XXXX I received 4 missed calls from my bank, Truist Bank. The following morning I returned the call by redialing the missed call. Some answered Truist Bank how can I help you? I proceeded to tell the bank I had 4 missed calls from them the previous night and was returning the call. They asked me if I had approved a {$150.00} XXXX payment I said no, I had not. They then asked to verify it was actually me, asking for my name, dob, address, phone number, ss # which I provided. The next day I rec 'd an email from the bank stating my balance was low. I checked my account and saw I had 2 withdrawals to XXXX, one for XXXX and one for XXXX which left my checking account with a XXXX balance. I immediately called the bank and was told I needed to go into a local branch immediately to file a fraud complaint and open new accounts, both which I did. The gentlemen helping me put a freeze on my checking acct where nothing else could be dispersed but deposits were able to still go in ( I needed my paycheck to be deposited which is set up automatically ). I was told I needed to come back the following day once the transactions ( XXXX XXXX " officially posted '' ) to sign the fraud claim report. Which I did on Friday, XXXX XXXX went in and signed the complaint. I received an email at XXXXXXXX XXXX the following day from Truist saying my claim was denied and I could request the documentation that was used to make this decision. I could not call the bank until Tuesday ( because they closed at noon on Saturday and Monday was a holiday - XXXX XXXX XXXX XXXX observed ) so I called XXXX, XXXX XXXX first thing in the morning and was told by Truist that it shows I approved the XXXX transfer, I explained in detail that I had not. She said sorry I can't help you I asked to speak to a manager or supervisor. The supervisor got on the phone and I again explained everything in detail and she said sorry. I said there has to be some way to dispute your denial. She said no, an analyst reviews it and that is the final decision. I said then I want to file another compliant she said we can not do that. I then said send me the proof where I authorized it and what I was sent was the fraud complaint form which I filled out. I have contacted the Police and filed a report. My banks phone number was apparently spoofed and that is how the thief was about to pretend they were an employee of Truist. I have XXXX control over this. They will not help me in any way what so ever. They simply keep saying I approved it, which I did not.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Equifax and XXXX! 

You have been provided identity theft documents and police report several days ago and failed to remove these from your credit files! 

I will sue you in court for failure to follow the laws Identity theft collections accounts : 1XXXX XXXX XXXX XXXX : {$1000.00} 2. XXXX XXXX XXXX : {$85.00} Remove immediately!

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I recieved a vanilla gift card for {$100.00} for XXXX. I have tried to use it and it does not work. I tried to go online and it does says there is a system error - try back later. I spent 45 minutes on hold today only to be told sorry your card is empty. I have not used the card. My XXXX XXXX XXXX mother purchased it on XX/XX/XXXX from a XXXX XXXX in XXXX, TX and it was in her pocession until XX/XX/XXXX. I have had the card in my pocession since that time. Their response is we are sorry.
Consumer complaint received 2023-01-03
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. (MI)

Previous Complaint # XXXX I Complained On XX/XX/2022, That Transunion Is Inaccurately reporting A public record on my credit report. Attached Is Transunion Response In Which The Docket # On The Account Is WRONG! So How Are They Accurately VERIFYING This Information With The WRONG DOCKET #
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (NC)

I bank with XXXX XXXX XXXX XXXX. My online banking was hacked XXXX. I received a text message from a hacker pretending to be my bank stating that my account was locked and that I need to log into my account to unlock it. I did log into my account and then I called my bank to let them know what was going on. My bank stated that my account was fine and my account was not locked. At this time, I was unware that this text message was actually fraud. The following day XX/XX/XXXX, I received a email from XXXX XXXX XXXX XXXX stating that {$2200.00} was taken out of my checking account and moved via 'external transfer ' to an account for XXXX XXXX XXXX I have never heard of XXXX or have any relationship at all to that bank. I had to wait until XXXX XXXX to hear from XXXX XXXX XXXX XXXX becuase of the XXXX XXXX XXXX I called XXXX  ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX fraud department basically told me that there was nothing they could do to get my {$2200.00} back and the only thing they could do was change my account number so that the hacker no longer has access to it. I filed a police report for the fraud activity and I also got contact with XXXX who let me know that the account number that my money was sent to was actually for a bank by the name of MoneyLion. I contacted MoneyLion bank on XX/XX/XXXX and they stated that the money that was stolen from me was no longer in that account and they had no way of getting my money back to me. MoneyLion did close that fraud account and sent a email to me confiming this. I still have no way of getting my {$2200.00} back and do not any other steps to take so I am praying that you can help me.
Consumer complaint received 2017-09-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

Applied for a HELOC on XXXX with a complete application including P & L, tax returns both business and personal for XXXX, proof of homeowners insurance. Was advised on XXXX that a drive by appraisal rendered a low value of $ 550k and the loan was not able to be approved due to insufficient collateral. Placed a complaint with US Bank and another agency requesting a complete walk thru appraisal. Walk thru appraisal was performed on XXXX. We are XXXX XXXX  contractors with XXXX XXXX routes and receive a weekly salary and weekly compensation from the corporation on the route, in addition to a monthly bonus. This was explained in great detail to the individuals who took the application. No questions were asked for clarification of the income until XXXX when I followed up for status on the appraised value. I assumed that the income was satisfactory since no other communication was received from the back that it was not. Only that the collateral was insufficient. I was advised XXXX that the loan was denied due to insufficient income/excessive ratios on XXXX! I was advised on XXXX that my walk thru appraisal came in at a value of $ 590K and that the income that was used to qualify me for this loan was my XXXX AGI from my 1040 's. This does n't make any sense to use income from last year when I provided YTD income. At the least an average of previous income and past income could be averaged to get a conservative figure to use for qualification purposes. For example use a 8 month average from the w/2 and P & L income with the 12 month AGi figure for the XXXX 1040 's for a 20 month average or just use current YTD P & L income along with paystub income for a 8 month average. 
My weekly salary is {$500.00} with a weekly pay from the corporation of $ 2400XXXX {$2600.00}. Us Bank used a figure of $ 6000 monthly for qualification purposes. I also receive a monthly bonus of $ 3000.I was denied and dont believe it was justified.
Consumer complaint received 2023-01-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: MoneyLion Inc. (FL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, I reported suspicious activity to my bank, XXXX XXXX, that on these occasions money was electronically removed from my account and sent to an unknown to me company by the name of MONEYLION. XXXX XXXX immediately reported it as fraud, reimbursed me the total amounts {$340.00}, {$440.00}, etc. for a total of {$1800.00}, and I thought, " Good. That was that. '' But when I applied twice for two credit cards and was turned down it was because MONEYLION REPORTED THE AMOUNT AS DEBT DISCHARGED, THUS RUINING MY VERY GOOD CREDIT. 

I called, emailed, and sent bank statements to them and I all I got was I needed more information, a criminal report, evidence I had paid them, etc., etc.
Consumer complaint received 2023-01-03
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. (IL)

In accordance with the Fair Credit Reporting act. The List ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX 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 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 2017-09-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (GA)

XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX. 

I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to me.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax is inaccurately reporting my student loan accounts as credit cards. XXXX is not reporting my student loans as credit cards. They are reporting as installment loans, because this is what they are. XXXX is also reporting my student loans correctly, and Equifax is not in compliance with the FCRA. If it is inaccurate information, it must be corrected or DELETED. My student loans should be reported as installment loans because that IS what they are. It is affecting me buying a home and I will take this further until it is corrected. 

Account number XXXX XXXX XXXX/XXXX XXXX All 16 accounts reporting as credit cards need to be corrected to installment loans. How are student loans credit cards??????? I do n't care what the student loan company reports, this is not a credit card, so it is INCORRECT and must be removed or corrected.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MS)

Amazon Store Card/Synchrony Bank sent me a store credit card that I did not apply for. There was a {$40.00} charge on the card. I did not apply for card nor make a purchase. I have contacted synchrony Bank four times. XXXX XXXX XXXX could not comprehend i was filing a fraud complaint and sent me a new card i did not request. XXXX XXXX XXXX accepted my fraud complaint to research. Even though i filed a fraud complaint they continue to send me bills demanding payment - its my understanding they are in violation of banking regulation by continue to bill me during fraud complaint. XXXX XXXX XXXX I used the automated system to close the account ( it was supposed to be closed in XXXX XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX i finally reached the fraud department. The rep indicated my case was in review and could not explain why we were still being sent bills for payment ( that i don't owe ). He indicated i would have to call back tomorrow- when management was available. the saga continues.