davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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: Experian Information Solutions Inc. (TN)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX.
Consumer complaint received 2022-08-05
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. (GA)

I submitted a claim to Transunion fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my 3 Bureau Credit Reports in the mail dated XX/XX/2022. After reviewing all three Credit Reports with TransUnion, XXXX, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that may be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some XXXX XXXX XXXX explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.

The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

Ive disputed A collection with XXXX. XXXX XXXX XXXX SERVICES. Are reporting my XXXX XXXX account as {$860.00}. The amount owed is {$860.00}. My Experian credit report. Shows this same account as XXXX XXXX XXXX XXXX. XXXX XXXX account as {$860.00}. I received a Certified Letter from AD XXXX XXXX  XXXX  today. From the USPS. This Certified document. Shows I owe {$860.00}, not {$860.00}.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (CO)

I was reviewing my credit report because i always keep up with m credit but when i saw my scores going down when i research i find out companies pulling credit can affect credit scores etc. and i found some companies have been pulling my credit without my authorization. some of the companies i spoke with regarding one thing or the other are always asking for personal information but never say is it ok to pull your credit and then later on i see they have pulled my credit with verbal or written verification from me, i and i find out that they are not supposed to be doing that, and i can dispute all that I feel was not authorized by me. on XXXX the XXXX i called XXXX spoke to someone in the fraud department explained that i have contacted the company that pulled my credit they were not trying to help me and the said to follow up on my credit report in 72 hrs. ' not change i call again several time after no change. im writing asking to have those hard inquiries removed deleted from my credit report as i did not authorized and of them listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
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. (CA)

Today, I called the fraud department at Transunion to make them aware that they have been in perpetual violation of the FAIR Credit Reporting Act ; despite the numerous disputes initiated with this consumer reporting agency since XXXX of XXXX XXXX. The agent, XXXX XXXX, was very dismissive even when nformed of these violations and insisted they had no authority to remove the erroneous information published by this agency. The agent informed the consumer that the most that could be done is to have a supervisor within the US reply to this complaint within 3 business days. ( XX/XX/XXXX@ XXXX ). One could only hope that this agency be held accountable just as other offenders such as XXXX, for how the so unapologetically inflict harm on the consumer.
Consumer complaint received 2023-02-04
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. (TX)

I submitted this complaint to update this suspicious information. The 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX Balance : {$65000.00}.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XXXX lied to us and induced us to make an over {$11000.00} payment under the basis that we needed to reduce our principal to value ratio to 75 % to have our PMI removed. However, upon further examination, they failed to adhere to XXXX XXXXXXXX XXXX XXXX regulations ( excerpt attached ). Section 8203.2 ( b ) of the XXXX XXXX XXXX  guide states that : " The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements, the LTV ratio must be 80 % or less. '' Their own appraisal notes on Page 2, attached, that there was a contributory price of {$60000.00} with updated flooring, water heater, all new appliances, and new fixtures. We repeatedly, in multiple emails and correspondences mentioned that we were having the PMI removed due to substantial improvements. We even specifically noted on the signed authorization that we were doing so because of " substantial improvements ''. There is no reasonable basis to find that completely changing the flooring, appliances, water heater, etc. of a condominium does not constitute a substantial improvement. 

This servicer fails to adhere to the regulations of XXXX XXXX.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern, On XX/XX/2022 I received a letter from Chase Bank that they are permanently closing my personal checking and savings account and I must withdraw all my funds no later than XX/XX/2022. 

I called Chase Bank to get a explanation or reason since I have been a loyal customer. They did not provide any explanation and said my account is flagged and I can not open an account with Chase Bank forever. This is very suspicious since I am not involved in any illegal activity, clean credit score history and no criminal records. I have been a Chase Bank member for over 12 years.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am disputing an inaccurate late payment reported on my XXXX XXXX XXXX  account Account # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Equifax, requesting the removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ), which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

Today, XX/XX/22 I Followed a link my husband sent to XXXX website for a sale of {$25.00} shoes. The website looked correct for the shoe company. Check said to XXXX so I ordered XXXX pairs and was charged {$90.00}. I paid through PayPal but when transfer was complete i saw that the money did not go to XXXX but to an individual person. I sent scam request to PayPal. I believe this is a scam, possibly through a social media site
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc. (SC)

I had insurance coverage through XXXX separate federal entities and I do not understand how I have a debt with this company. When I called this company to verify my concerns they gave me a number to another company that the debt was sold to because they do not deal with the company that managed their billing anymore. I was unsuccessful contacting anyone at the phone number given to me.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX Citibank closed my checking account with no notice. On XX/XX/XXXX I contacted CitiBank and was transferred to the fraud department where they said that my account had been marked for closure but they could not tell me why. I asked at that time what will happen with the funds I have available in the account ( which was about {$200.00} ) and they stated that there was a note on my account saying " do not issue ''. I asked why and the customer service rep could not tell me. I asked could I speak to a manager and he stated there wasn't one. Later that morning I received two emails from CitiBank stating that my account would be closed and that no further withdrawals or deposits would be accepted. I work for the government and on XX/XX/XXXX my direct deposit ( just over {$1200.00} ) from my pay went to the CitiBank account. There was not enough time between when my account was " marked for closure '' and when my pay was released from XXXX to stop the direct deposit from going to that account. I was told by XXXX on XX/XX/XXXX that the funds had not been returned from CitiBank. On XX/XX/XXXX I contacted CitiBank to ask about the direct deposit. I was told by the customer service rep that she could see the XXXX deposit and she needed to transfer me to the fraud department. I have been on hold with the fraud department for hours with no resolution. The email from Cititbank that I received on XX/XX/XXXX states that no direct deposits could be received to that account. In that case, my pay from XXXX should have been rejected and sent back to XXXX and not deposited into that " closed '' account. I just want my available balance, which should be around {$1400.00} returned to me. I have had no luck so far. I have worked hard for my money and I desperately need access to my funds.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (FL)

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, XXXX, Equifax ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-03
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. (FL)

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, transunion, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATIONXXXX ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-05
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-08-05
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I financed XXXX product and was directed to TD Retail Card Services. I applied and got credit for my purchaseI was directed to set up XXXX portal to make payments etc. Payments are due on the XXXX if each month. If payment is late you incur a late fee. Their terminology is misleading because it states up to a certain amount. Its very confusing the wording in the contract and it wasnt until much searching I found TD retail card XXXX  is associated with TD bank, Im a XXXX  on a fixed income and my SSA payments arent deposited until second week of each month. This was very difficult to budget for as TD card services is not flexible in adjusting the due date. I explained situation to several CS reps who handle the myonlineaccount.net that they have set up, Ive had to incur multiple {$40.00} late fees because company is unreasonable and will not work with consumers. This is becoming a hardship because with outrageously high late fee its difficult to pay down balance. This company is unyielding and greedy and taking advantage of people struggling to pay bills. This company is not willing to work with consumers, theyre simply lining their own pockets with greedy practices. XXXX and other large companies use TD Bank. Buyer Beware
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomeTown Lenders, LLC (CA)

on XXXX XXXX I appied for loan with hometown lenders aka XXXX XXXX XXXX XXXX ... my loan for a mortgage was denied XXXX XXXX would not give me any other information other than I was denied ... I find it hard to believe I have a XXXX XXXX XXXX ... I believe I qualify for a usda or conventional loan..street home lending group XXXX XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX acted in very bad faith I was wrongfully denied DISCRIMINATED... I am a single women person of XXXX and I qualified for a mortage for {$240000.00} with XXXX  ( XXXX XXXX ) XX/XX/2020...
Consumer complaint received 2022-08-05
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. (TX)

I have recently requested for a full check of accuracy on all three of my credit 's reports from, Transunion, XXXX and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Consumer complaint received 2022-08-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion  has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.