davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (CA)

Regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. I realized that the XXXX credit bureaus failed to fix it and I do not believe that these items belong to me. These items should be deleted as a confirmation of derogatory or negative in my credit file. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. For that reason, I am asking for your help to delete these items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc. (OR)

XX/XX/XXXX, received complaint from Circuit Court state of Oregon of breach of contract Case Number : XXXX, XX/XX/XXXX : I reached out to the debt collector and spoke with the attorney representing the debt collector, she stated since you called we are no longer going to pursue this legally and will work with me to resolve this debt, negotiations abruptly stopped I received written notice from the attorneys office representing the debt collector advising me the current attorney has been let go from the firm and a new attorney would be appointed. 

XX/XX/XXXX Received general judgement ordered by the court. Awarding debt collector. We were mediating payments and amounts prior to the attorney being let go/ terminated. correspondence stopped and the collection agency stopped all mediation and contact under this new attorney XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

It is common knowledge that CRAs do not investigate errors in the interest of the consumer, but rather err on the side of paid subscribers. It is a business and nothing more. a form letter with a typed name and no signature is NOT verification! 
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or haven't gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 us code 1681. The law clearly states 1. Accuracy and fairness of credit reporting. Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy Of Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. The company known as " XXXX XXXX XXXX '' is known to have a multitude of FCRA violations but can list with the 3 major CRAs without regard for consumer rights. This is a clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Consumer complaint received 2018-02-20
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. (CA)

I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX Equifax, XXXX and Equifax has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
Consumer complaint received 2023-07-25
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: CITIBANK, N.A. (MI)

There were many charges made to my credit card from XX/XX/XXXX through XX/XX/XXXX, mostly at gas stations that I did not make. The fraudulent charges at gas stations in cities that I had not even gone to totaled {$2600.00}. I reported these as fraudulent charges to Citibank and they responded with the following message : " We've completed our investigation and your dispute is now closed. During the investigation, it was confirmed that you participated in the transactions with the merchant-we didn't find any evidence of fraud. Additionally, you verified that your card was in your possession a the time of the transactions. '' Although the card was in my possession I DID NOT MAKE THESE CHARGES. Someone obviously stole my credit card info and was using the card to make gas purchases, mostly in XXXX Michigan. I have been to XXXX only once since XX/XX/XXXX and yet there are numerous charges for gas at XXXX gas stations.
Consumer complaint received 2024-10-26
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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-04-17
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. (MI)

XXXX XXXX XXXX OPENED XX/XX/XXXX {$840.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX  OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$1200.00}
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts has violated my rights. THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS I SHOWED THEM MULTIPLES TIME OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

ACCORDING TO 15 USC 1681B ( 1 ) THE CREDIT BUREAUS DONT HAVE NO WRITTEN PERMISSION ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRVACY.

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 causes to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of error 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 the credit bureaus have no respect for the laws. someone needs to hold them accountable for this.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

Company name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXX XXXX XXXX Original contact was XXXX. I received the first email. I contacted the company stating I was not the person they were looking for and not to send me email with the debt details as i am not a financial POA for that person. I told them over the phone that I would file a complaint about their lack of privacy concerns. 

I have received another email today, with all the same details as before. The company does not take privacy concerns seriously and this shows a lack of awareness when it comes to sharing details that should not be public.
Consumer complaint received 2023-07-25
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. (CA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-27
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. (FL)

I am submitting a complaint to the Credit Bureaus today to report that I have been a victim of identity theft. After conducting research on how to remove the fraudulent accounts from my credit report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. According to FCRA section 605b, Credit Reporting Agencies are required to remove any accounts listed on an identity theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is currently being posted on my credit report. The list of accounts that do not belong to me or were opened without my permission is as follows : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. As per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

On XX/XX/XXXX, I agreed to a month trial of the services provided by XXXX for nutrition. They increased the price I paid since I was not agreeing to sign up for the full 6 month contract and I agreed. I was not advised that I was signing up for a recurring monthly charge that would require 30 days notice to cancel. Therefore, in order to sign up for one month I would need to advise that I was cancelling on the day that I signed up. 

After the month was completed and paid for, on XX/XX/XXXX I was charged for a second time {$490.00}. I tried multiple times to contact someone about this and would leave messages with the answering service as the business can not be reached directly. Finally, XXXX XXXX called me back days later and advised that it was a monthly recurring charge. I advised her I had no knowledge of that and she insisted I signed the agreement. I received an email from their " support '' team finally on XX/XX/XXXX advising that XX/XX/XXXX payment would be my final payment and my membership was valid for the next 30 days. Therefore, in theory I should only be responsible for 2 payments of {$490.00}. 

On XX/XX/XXXX, i received invoice number XXXX in the amount of {$2900.00}. This assumes 5 payments of {$490.00} and a 16 % chargeback fee and a collection fee. I again tried to contact support with no response. Apparently, my messages were received and I received a revised invoice with no explanation on XX/XX/XXXX in the amount of {$1100.00}. This assumes 2 payments of {$490.00}, a 16 % chargeback fee and a collection fee. This invoice continues to be incorrect because I already paid {$490.00} in XX/XX/XXXX and that charge was not disputed or declined. 

Instead of correcting their erroneous invoice or responding to my calls, they sent my file to collections with Fein, Such, Kahn & Shepard. This debt collector sent me a debt collection bill in the amount of {$2800.00} which is a wholly inaccurate amount since my account has been cancelled since XX/XX/XXXX. I was only a member for 2 months which is $ XXXX  monthly. This debt collector did not verify the debt before contacting me or is trying to intimidate and harass me by including a larger completely inaccurate amount.
Consumer complaint received 2023-07-27
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)

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (FL)

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (FL)

Client entered into contract with XXXX XXXX on XX/XX/2019 to purchase a new construction home with USDA financing. The customer was given a {$8000.00} credit towards closings cost if they used the home builder 's financing team, NVR Mortgage Finance , INC . Customer submitted a deposit in the amount of {$3500.00}, on the contract date of XX/XX/2019. 

On XX/XX/2019, customer submitted required documentation to NVR through client portal. NVR then notified that the clients did not qualify for the USDA loan program. NVR has since notified the clients that they could qualify for a 5 % conventional or a 3.5 % FHA loan which is not the loan type, nor the interest rate that they initially applied for. USDA offers zero percent down payment and a lower interest rate. The loan programs NVR is offering the clients, not only require down payment but also have a higher interest rate and higher monthly mortgage commitment. Client does not have the required funds to continue with a 5 % conventional or 3.5 % FHA, which was outlined to the home builder representative on contract date of XX/XX/2019. 

Customer and real estate agent have contacted the home builder representative and manager multiple times to initiate the deposit refund process and have been told numerous times that the deposit of {$3500.00} will not be refunded back to the client, due to the fact that permitting process has already been initiated. Clients and real estate agent have both researched the new property address within the XXXX County Permitting Department and no records show that permitting has been initiated for that lot, which differs from the information clients were given on reasoning for denied deposit refund. 

Clients and real estate agent have requested the loan break out / cost estimates from NVR for the 5 % conventional and 3.5 % FHA and have yet to receive the information but have received the loan application through their client portal. In addition to not receiving this requested information, the seller ( XXXX XXXX ) credit of {$8000.00} was not reflected in the conventional Uniform Residential Loan Application that NVR sent to the client. Instead, the credit outlined was only {$7400.00}.

Both NVR and XXXX XXXX have used intimidation tactics to ideally force the clients into using NVR Mortgage and obtaining a mortgage with a higher interest rate and more money required for down payment. The clients feel forced into moving forward with a loan they could potentially not afford, since the home builder will not refund their deposit. The clients do not wish to move forward and have notified XXXX XXXX numerous times. XXXX XXXX has expressed that the deposit will not be refunded.
Consumer complaint received 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CT)

I beg you stop lie the CFPB and me. 
See copy of my check paid at closing.Show me where is check to XXXX XXXX.It is in one {$2000.00} not like you answer {$1000.00} and {$1000.00}.