davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to formally request the removal of an unauthorized inquiry on my credit report as a victim of a data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I ask that you block and delete the following inquiry from my credit file : Unauthorized Inquiry to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/2023
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. (TX)

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ Account Number ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (PA)

In reference to the accounts listed by Experian. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In reference to the accounts listed by XXXX. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 2022-08-03
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. (TX)

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-03
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. (IL)

I called the TransUnion and XXXX after I purchased a credit report with Identity IQ on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX XXXX  Late paymentXX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX Balance : {$38000.00}
Consumer complaint received 2022-08-03
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Employer XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (TX)

I sent a letter on XX/XX/2022 addressed to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. I immediately sent another letter on XX/XX/XXXX to follow up the letters I have been sending. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

As per my prior complaints, my payments from XXXX to USAA are missing and/or have been returned by USAA with no explanation. 

My credit score continues to decline, as a result of the incorrect balance on my credit card statements. This appears to be extortion. 

Today, I received a call from USAA in the middle of my work day and the representative stated that he was " closing '' the case. 

My notes from his call are as follows : XXXX ( XXXX hours ago ) XXXX. A USAA representative named " XXXX  '' called and stated that an Investigation was done and based off of information they gave me, they are closing the CFPB case. 

XXXX. XXXX ( the USAA representative ) was addressing something from XX/XX/XXXX today. He mixed up payment data. 

XXXX. XXXX should have a `` trail of the transactions '', he stated. 

XXXX. USAA cant contact XXXX to resolve the issue. USAA can only contact me for information. 

5. " Theres a paper trail '', XXXX stated, " an electronic transmittal form ''. Usaa only talks to me and XXXX has to submit their electronic transmission form. 
I explained that I have spent XXXX hours during the workday at XXXX branches, so far, and that I have submitted all information that XXXX has on file. The information and records from XXXX have been submitted to the CFPB and to USAA. 

XXXX. Regarding interest charges, XXXX stated that I should " look at my bill '' and Interest calculations are based on a " purchase balance ''. The balance due makes no sense and does not factor in my multiple payments. 

USAA will not acknowledge my {$6000.00} payment from XXXX that disappeared, among other payments recorded by XXXX, as per my complaints to the CFPB. 

Mortgage fraud involving a USAA mortgage and refi is also impacting my credit score, as discussed. I was not on USAA 's note for XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which appears to have been sold at auction without any information.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (CA)

i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not XXXX for XXXX  XXXX BANK XXXX XXXX XXXX OF XXXX
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (FL)

I sent 2 rounds of letters asking Experian Credit Bureau to fully validate the information for the accounts in dispute. Also to provide proof of signed contracts that could possibly validate this information thats inaccurate. Yet the accounts still remain the same.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc. (NJ)

TO WHOM IT MAY CONCERN Unifin Reference Number : XXXX XXXX XXXX XXXX # : XXXX Original Account Number : XXXX Debt Description : XXXX XXXX Total Amount of Debt Now : {$4900.00} I spoke with your agent on phone and we both agreed for a {$300.00} payment for 12 months totaling to {$3600.00} to offset the above debt. I gave them my card details and expected it to start on schedule on XX/XX/XXXX as agreed. 

To my dismay, no payment has been taken out even after I called back to confirm start of payments. Check your voice recordings from my then number XXXX XXXX XXXX. 

I keep getting the same letter in my email telling me to take advantage of the discounted offer! Which I did the second week of XX/XX/XXXX. 

Could you let me know when you intend to start deducting money monthly as agreed? Could you also send me a letter of confirmation that the {$3600.00} amount is in full payment of the debt owed for {$4900.00}?
Consumer complaint received 2023-02-28
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: CLGF Holdco 1, LLC (WI)

in 2020 i was involved in identity theft and my info was used to open multipal accounds and loans i am not responsiable for. i can not get these to go away as they want me to prove it was not me and they just verify my info and count it as accurate, of couse it will be accurate my info was stolden and i need theses removed
Consumer complaint received 2024-10-30
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. (IL)

I disputed the account balance with TransUnion after fully paying off my debt with XXXX XXXX. Despite this, TransUnion still shows an incorrect balance of {$500.00}, which should reflect {$0.00}. Additionally, they closed and reopened the account, resulting in an extra XXXXXXXX XXXX  entry with the following inaccurate details : - **Last Reported** : XX/XX/year> - **Balance** : {$500.00} ( should be {$0.00} ) - **Highest Balance** : {$22000.00} - **Late Payments Added** : XXXX, which were inaccurately and purposefully added, further impacting my credit. 

The account status should reflect a {$0.00} balance and accurate payment history, as I have met my financial obligations in full. Please correct these discrepancies promptly.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC. Please delete the following accounts. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX Account Number : XXXX bal. {$1700.00} Account Name XXXX XXXX Date XXXX : XX/XX/year>
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC (MI)

This is a THIRD complaint on the same issue with this company. See previous complaints : # XXXX and # XXXX. 
The response provided by NewRez Compliance Department employee XXXX XXXX dated XX/XX/XXXX, states NewRez sent an email to me on XX/XX/XXXX. I sent XXXX emails to NewRez ( Assumption Department and Loan Consultant XXXX XXXX ) on XX/XX/XXXX ; NewRez did not send an email to me on XX/XX/XXXX, and has NEVER provided an email with an update on this matter. Note : My XXXX emails sent on XX/XX/XXXX, were second requests ( first request XX/XX/XXXX ), for an update on the assumption. I have also emailed several requests prior to this time for an update and have heard absolutely nothing from XXXX XXXX. 

Both parties to the assumption have asked repeatedly for an update since XX/XX/XXXX. If NewRez sent an email to me on XX/XX/XXXX, it was sent to the wrong email address. 

I am asking for a copy of the email NewRez says was sent to me on XX/XX/XXXX. This response also indicates I called NewRez on XX/XX/XXXX, which I did. If an email had been sent to me by NewRez on XX/XX/XXXX, as reported by XXXX in the letter dated XX/XX/XXXX, why wasn't I told this on XX/XX/XXXX? The response also indicates I was to follow-up with NewRez on XX/XX/XXXX, as the complaint would be escalated. XXXX ' response makes no sense! 

NewRez does not take customer service or complaints seriously, as can be seen by the above response provided by XXXX on XX/XX/XXXX. They did not research the issue to obtain the correct information for the response provided.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I submitted a fraud report to Chase regarding a fraudulent charge of {$730.00} posted to my credit card account on the XX/XX/2022. As a result, I requested and received a new card to prevent further fraudulent transactions. 

On XX/XX/2022, I received a call from the Disputes department at Chase asking about other charges I authorized around the time of the fraudulent charge. I provided all the necessary details and explained again to them that the charge in dispute was still fraudulent. I also offered to provide any additional evidence and information in order for them to accurately investigate the issue. 

A few minutes after my call with the Disputes department, Chase closed the investigation ( without requesting further evidence, which I offered to provide ) and determined I was responsible for the fraudulent charge. 

Chase has neglected to : 1. Provide proper investigation results of my case including the steps taken to come to a decision ; 2. Complete due diligence by collecting all evidence regarding my dispute. 3. Provide Zero Liability Protection for unauthorized transactions as promised.

Chase 's negligence in this matter has resulted in damages to my financial outlook, a lot of emotional stress, as well as causing my personal and professional life to suffer as I attempt to resolve this issue.