davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX, XXXX, I signed a contract with XXXX XXXX XXXX for a bath and shower remodel. 

They only partially completed the work. I have photos of the incomplete work. 

We had to have another XXXX come and complete the work which was an additional expense for my wife and I. 

We regularly contacted XXXX XXXX XXXX to ask them to finish the job but they ignored us. 

Then later in XXXX, we started getting emails and calls from XXXX XXXX XXXX XXXX XXXX asking us ; 1 ) if the job was completed to our satisfaction and ; 2 ) if we understood the terms of the financing. We regularly advised them that 1 ) NO and 2 ) NO. 

I personally warned XXXX XXXX not to pay PXXXX XXXX XXXX because the job was not completed satisfactorily, and we would not pay them if they did. 

We just got a letter from XXXX XXXX dated XX/XX/XXXX indicating that we have a credit account opened with them with the first payment due XX/XX/XXXX. 
If this matter is not resolved with XXXX XXXX XXXX, this credit account was opened fraudulently without our consent. And we refuse to pay them for incomplete work. 

Please advise. Thank you. 

XXXX 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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I

have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services has violated my rights! Your company has tried through different mediums to contact me. Stating openly that you are attempting to collect a debt in the amount of {$74.00}. The envelope and contents of the mail contained the nature of the communication and a possible consequence if I did not comply. Pursuant 15 USC 1692b ( 5 ) CCS violated my privacy by listing the alleged business matter in the contents of a mailed communication while threatening my reputation.
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. (FL)

This is my 6th 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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please remove these inaccurate accounts from my credit report it's not mine under 1681i, delete this within 15 days. 

XXXX account # XXXX bal : {$2500.00}
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

In 2020, my mortgage company paid my insurance payment out of my escrow account. It was lumped with another one of their customer 's payment to the insurance company on one check. The other customer ended up cancelling their insurance and therefore, The Money Source, got a refund check back of BOTH OF OUR payments. Everything on our statements looks like they paid our insurance but when you do the math, we never received our refund and went for over 1 year WITHOUT insurance on our home ( hurricane area ) without knowing.

I called The Money Source multiple times, e-mailed multiple times, sent them the XXXX spreadsheet that showed them the error and they said that I needed to talk to my new servicer ( loan was sold 3 months after the check was stopped ). I explained that the new servicer has nothing to do with it because they got less in our escrow account than they should have and The Money Source is holding our money. 

In addition, because this had to do with a mortgage, our tax documents are also incorrect.
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 XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NV)

[ 1 ] Inefficient and difficult process when trying to resume/change/terminate account email with/without TFA/2-factor-authentication.

[ 2 ] If worried about identity-financial fraud, Chase should base its security more around alerting and notifying, instead of forcing users to rely on

3rd party or make is so secure that no one, including the true original user, can't ever access the account again in times of disaster or injury [ 3 ] Why isn't mailing address a reliable way of verifying for a simple replacement? It could send verification letters for users to confirm upon receipt if other authentications fail [ 4 ] If initial mailing excludes concerns that other users of the same mailbox will end up activating those cards and materials instead of the person who ordered, that exclusion shall extend the same when the user is trying to recover/change/terminate the accounts after activation.

[ 5 ] If newly generated statements since activation of cards change the parameters of that concern, having to rely on 3rd party storage to save those recovery information ( TFA/2-factor-authentication, credit card, etc ) defeats that very purpose of " safety and privacy of all users. '' The risk that those other 3rd party who has those information pose at abusing the account questions the efficacy of those measures or always fulfill their obligations on releasing those information only when the true user requests, nor is feasible to enforce that obligations. ( Those 3rd party to whom the true user has to rely on, to have those recovery data - TFA/2-factor-authentication, credit card, etc- in times of disaster, injury, etc can bypass those security measures just as easily ) [ 6 ] It is not entirely possible to prevent others from accessing an account without getting rid of recovery measures for the true original user, therefore, the next best measure is to retain the alerting measure that notifies the true original user of others ' attempt.
Consumer complaint received 2024-10-29
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. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have number of address attach to my credit report that I attempted to get remove, as I am looking into purchase a house. The address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a email from Bank of America asking how I would rate my recent call experience with XXXX XXXX This occurred on XXXX XX/XX/2022. I did not call Bank of America on XXXX XX/XX/2022 so I was confused on why i got this email form Bank of America. On XXXX XXXX I contacted Bank of America on XXXX XXXX after my card had been declined at several establishments. I checked my phone and found a voice mail from Bank of America to call because there may have been fraud on my credit card account. I also logged into my Bank of American online account and saw there was a message to call regarding my credit card. I called Bank of America on XXXX XX/XX/2022 and validated that a charge on my card listed as an ACH Payment refund had increased the balance on my credit card by {$1100.00}. I have since contacted Bank of America by phone another time and actually went into their office on XXXX XX/XX/2022 in an effort to resolve this issue and get it investigated properly. My concern is that someone called into Bank of America on XXXX XX/XX/2022 pretending to be me and I am not sure what information was passed on to them by Bank of American personnel. I am concerned about identify theft and future issues with my Bank of America accounts.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to request the immediate blocking and deletion of a fraudulent inquiry on my credit report, as I am a victim of a data breach and identity theft. According to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to maintain its accuracy. 
Please remove the following unauthorized inquiry from my credit file : XXXX XXXX  Date of XXXX : XX/XX/year>
Consumer complaint received 2024-10-30
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of XXXX XXXX, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : Unauthorized Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611. 
Please address this matter urgently. Failure to respond satisfactorily within 30 days may result in legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX Account # XXXX ( {$1300.00} ) XXXX XXXX XXXX Account # XXXX ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-03
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (NC)

I contacted AAG about whether I would qualify for a reverse mortgage in XX/XX/2022. Worked with XXXX XXXX who stated he had many years of experience and would research comps in my area. XXXX XXXX called back stating I would qualify for reverse mortgage based on his research of comps estimating my home value @ {$430000.00}. Because of his advice and ongoing reassurances I proceeded with the application completing the appraisal and required counseling. The appraisal came in at {$370000.00} short of what I needed to qualify. I am now {$770.00} more in debt. Read the article from your organization about overinflated estimates to persuade borrowers to proceed with loan applications. Have tried to contact XXXX XXXX about this issue with no response & unable to contact supervisors.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (MA)

I was contacted by American Express 's high alert security department about an application in my name for Blue Cash Preferred from American Express. When I followed up with them and told them I never submitted said application, I was informed that someone must have my Social Security number because they used it for this application. 
I'm following up as much as possible, so I don't become a victim of identity theft. Please take every measure on your end to help me and please let me know what else I can do to protect myself from identity theft in this case and in general. Thank you!
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS has violated my privacy. Your company has reported three hospital bills negatively on my consumer report. Neglecting my right to privacy has lead to me being denied treatment when gravely needed. Pursuant 15 USC 1681c ( 6 ) this furnished information should not include specific identifiers such as the name, address or nature of services provided. This error has undermined my confidence as a consumer because you are furnishing information that has caused me to experience discrimination based on health matters.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Tesla, Inc. (FL)

I have had so many problems with getting my system up and running that I can not list them all here. I can not get in touch with supervisors or even the same ( repeat ) person to get my issues resolved. I have been trying to get this taken care of since XX/XX/XXXX. I feel like I have run out of options. The long story short is that we were told we would have it installed by the end of the year in XXXX. It was not installed until XX/XX/XXXX. I was unhappy with the way that the panels were situated on my roof and asked for them to move them. getting them to move the panels was difficult, and they said they would take care of it after much back-and-forth. They sent an install crew out to move my panels, but left the roof racks on. They said that they would get a roofer to replace and repair the roof damage but never did. They ended up giving us permission to find our own roofer and get reimbursed. I had them approve the estimate and went ahead with the roof repairs. I have paid them over a month ago and have not heard anything back on getting the reimbursement. on top of that, their policy is to collect down payment and start the monthly payments when you turn on the system. I was told over a month ago that I had permission to operate and we turned on the system. they went ahead and collected payment. Then we were informed by XXXX that they did not have permission to operate and we were to turn the panels off. Tesla continues to take our payments but does not continue to work to resolve the issue with XXXX. they refuse to contact us because we are asking why we are making payments when we do not have a functional system. Our system has failed inspection twice at this point. It has finally passed but we have multiple weeks left before XXXX will recognize the system and allow us to use it for energy. Tesla is basically nonresponsive at this point because we are categorized as a system that has been turned on. I am making no traction and would appreciate your help!