davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-05
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. (MI)

This is my third 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 XXXX XXXX XXXX XXXX XXXX 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 2023-05-14
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. (NC)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I request you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Incomm Holdings Inc. (NJ)

Vanilla Gift cards. 

this complaint is with respect to vanilla gift cards. Yesterday I tried to call the number that was printed on the back and the associates were insistent that I must give personal information my name email address and address to enter me in some kind of new promotion before I could check the balance of the card, after informing the agent three times that I was not going to provide any information. The agent insisted that this is the procedure that they must follow and that they must obtain personal information for you to check a gift card.
Consumer complaint received 2023-05-14
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. (SC)

In accordance with the fair credit reporting act. XXXX XXXX. account # 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 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-05
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: Mr. Cooper Group Inc. (TX)

Nationstar is incorrectly reporting this account. The account has been paid in full and accepted by Nationstar. This account needs to be updated to reflect paid in full to reflect accurate reporting.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/XXXX, we paid Synchrony Bank CareCredit the full balance, including all accrued interest charges. We verified that there would be no more charges and the amount paid would zero out our account balance with their customer service rep. 

Upon receiving my statement on XX/XX/XXXX from another credit card provider, I notice my XXXX score had plummeted from XXXX to XXXX. I immediately obtained a free XXXX credit report from the FTC site. The only relevant item under " Accounts with Adverse Information '' is CareCredit. They apparently sent a statement the next month charging a {$1.00} statement fee. The account had no balance previously. The only charge was the statement fee. They continued to send monthly statements, including a " minimum interest charge purchases '' of {$2.00}, even though no charges were made. 

I called CareCredit customer service, asked them about their submission. I let my husband discuss the policy with them. They admitted that " If there is no balance, then there will be no paper statement fee charged. '' He asked again and they stated " If there is no balance, there will be no paper statement fee, correct? That's your policy? '' She replied " That is correct ''. 

CareCredit apparently contradicted their own policy in charging fees. They charged {$2.00} interest on what they reported as a {$1.00} balance. They continued to charge nominal fees and reported to at least one credit reporting bureau that I was delinquent on my account, triggering a rapid drop in my credit score.
Consumer complaint received 2023-08-05
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. (MI)

To Whom It XXXX Concern : I am submitting an urgent complaint that requires the CFPB 's immediate priority assistance. Equifax has failed to resolve my credit reporting dispute despite four attempts over several months. 

Equifax continues refusing to provide mandatory investigative documentation related to a demonstrably fraudulent charge-off from XXXX XXXX ( Account # XXXX ), in violation of Section 611 of the FCRA. 

This false information is blocking my approved federal financial aid to attend college this year. The fall semester starts on XX/XX/2023 and I must accept my student loans by XX/XX/XXXX. 

However, Equifax refuses to produce the required reinvestigation records validating the account, which is my right as the disputing consumer under federal law. 

I implore the CFPB to take swift action to compel Equifax to provide the documentation immediately and resolve this unlawful obstruction of my dispute rights. Equifax must comply no later than XX/XX/2023 to avoid irrevocable harm to my education and future opportunities. 

Please contact me as soon as possible by phone at XXXX or email at XXXX to advise next urgent steps your office can take to enforce fair credit reporting protections. I am available anytime and happy to quickly provide any evidence required. 

Thank you in advance for your prompt assistance. 

Best, XXXX
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account Number 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 an account without my written instructions.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (NJ)

I have been trying to get access to a verification of mortgage document for the past XXXX weeks, since I am trying to refinance my home. Every time I call to inquire over at Security National Mortgage Company. I always get a different message. That it takes several days. Later on, that the request was never entered into the system properly. Later on, that I need authorization to be able to access these types of documents. Finally when I tried speaking with a supervisor, on several occasions I have been placed on long wait times, to later be hung up on. My second to last call lasted close to an hour and nothing was done. Moreover, prior to this, it took a whole month to get a payoff letter. It has been a nightmare trying to get any sort of assistance and or documentation related to my loan. Sadly, I missed my deadline for document submission to prove my loan was in good standing, and my refinance was denied.
Consumer complaint received 2023-05-14
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. (OH)

Ive filed reports on all wrong documents but the time that its taking to fix their mistakes is causing my credit scores to drop daily. Ive worked very hard on the accomplishments that Ive made and their mistakes are causing me financial harm
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (WA)

My credit report have a fraud activity from Home Depot ( Citi Bank ) for the amount of {$4800.00}. The name on the credit report is THB/CBNA. In addition, there are fraud hard inquries from XXXX and XXXX.
Consumer complaint received 2023-08-05
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)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I removed all auto-pay information from Mohela. I was also paid ahead until XXXX. Then they migrated to a new platform but hadn't really removed my auto pay and then charged me {$50.00}. This is an illegal UNAUTHORIZED withdrawal from my bank. I contacted them and they said they would send the {$50.00}... they never did. Then they removed all access from the website where those secure communications were. Mohela is the worst lender I have ever had the misfortune of dealing with.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX I received a call from Bank of America while at work in XXXX MA stating that my XXXX account was being used so they needed me to verify if I made the transactions. I said no I didnt he gave me a reference number and told me as a BOA rep he would contact the 3rd party XXXX and we needed to send the money to the email XXXX in my name to hold the money for 24 hours and block the account so that whoever was trying to get the money in Connecticut could not. Well all this was a scam it was not the bank and my account balance is {$0.00} a claim was placed but they wont guarantee Ill get my money back, {$2700.00}. 

I just survived XXXX for the 2nd time, I am newly XXXX  and have a young child. I really need some help recovering my money. The existing claim number I was given is XXXX. If anyone can help me I would greatly appreciate it. 

XXXX XXXX ( maiden name on file at BOA ) XXXX
Consumer complaint received 2023-08-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (GA)

Hello, I downloaded an app called bright money. Its supposed to be a credit builder/ finance app but originally I thought it gave payday advance loans. Upon signing up it asked for my bank info ( like most payday apps ) but the problem is doing so signed me up for a membership i know nothing about. So yesterday XX/XX/2023 i was charged {$99.00} for a app i cant even get the initial service i was looking for on, havent used the app, and never agreed to pay for a membership for {$99.00}. I see other post online on XXXX where other people have been scammed as well. Thats how i found this website. That company needa to be shutdown immediately. I want my refund back! Also dont bother reaching out to customer service. You will get the run around from fake automated people who dont respond to your concern XXXX but ends the chat if you dont respond to them I asked multiple times about a refund and the chat team never once responded to that concern.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNTS ARE REPORTING FRAUDULENT TO MY CREDIT REPORT. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-11-11
Product: Credit reporting 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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute an account appearing on my personal credit report, as its presence constitutes a violation of consumer protection laws. 

This account is a business account and was not personally guaranteed by me. As such, it should not be reported on my personal credit file according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which stipulates that only accounts for which a consumer is personally liable should be reported on their credit report. Reporting this account as a personal obligation is not only inaccurate but also unlawful under the FCRA and other applicable consumer protection laws. 

XXXXXXXX XXXX XXXX XXXX