davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Southwest Credit Systems, L.P. (NJ)

I sent Southwest Credit Systems , LP XXXX XXXXXXXX XXXX  a Cease & Desist letter via certified mailed on XX/XX/XXXX, because they are inaccurately reporting a debt that I do not owe them. My letter was received by XXXX XXXX at XXXXXXXX XXXX on XX/XX/XXXX. They failed to send me : 1. Validation of the debt - that is, the actual accounting whereby your company has incurred a loss on the alleged debt. 
2. Proof of the existence of an account or contract, in the actual flesh and blood name, XXXX XXXX, duly signed and witnessed by both parties, not a unilateral agreement, and upon which signed page, there is a reference to the entire agreement. 
3. Verification of the claim against me ; that is, a signed invoice.

4. A copy of the contract binding both parties ( SOUTHWEST CREDIT SYSTEMS , LP and myself ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
5. Proof of claim that there is any lawful money in circulation backed by anything of value. 
In which they never responded with the information I requested, instead their response was sending me 5 XXXX statements . According to the FTC dated XX/XX/XXXX from Attorney XXXX XXXX XXXX Division of Credit Practices, the Fair Debt Collection Practices Act requires that the debt collector obtain verification of the debt and mail it to the consumer. Mere itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statue requires the debt collector, not the creditor, to mail the verification to the consumer.

15 USC 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) 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. 

As seen in UNITED STATES OF AMERICA, XXXX XXXX XXXX XXXX, XXXX, a limited partnership, Case 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$590.00}
Consumer complaint received 2024-10-29
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN- XXXX Phone - XXXX DOB- XX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

My Pay-pal account was permanently limited on XX/XX/2022 without any notification. 
They just emailed that it has been limited, it really inconvenienced me in terms of withdrawal and i can't do any transaction. 
As per now the account balance is XXXX, but i was expecting some amount by the time i realized that the account was limited. 
Looking forward for your feedback.
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: DISCOVER BANK (NJ)

Ive sent Discover multiple correspondences in regards to reporting inaccurate account information. Demanding them to delete/remove the account, but my demand has fell on deaf ears. At this point Im left with no choice but to take my ignored complaints to a higher governing authority. The XXXX, XXXX XXXX. XXXX XXXX, The CRA must give you a written report of the investigation. Also pursuant to XXXXFCRA states that if the account is inaccurate it must be deleted. 
As mentioned in the FTCs Advisory Opinion Press Release on XXXX, In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. I notified Discover of this FTC violation and it appears they ignored it. 
I have also notified XXXX in regards to this inaccuracy of this account. XXXX and Discover have both failed in their responsibility to conduct an appropriate investigation of the account. As seen in, Estate of XXXX v. XXXX XXXX XXXX XXXX. XXXX. XXXX ( XXXXXXXX XXXX XXXX  ). XXXX is known for claiming to have verified an account without ever providing proof. 
In conclusion, Ive notified XXXX and Discover both have failed to uphold their FCRA, as well as XXXXFCRA duties. This has brought great distress due to the fact that I have gotten multiple denials for auto and home loans etc. This is defamation of character on multiple levels and libel, which has harmed my abilities to acquire these basic necessities of life.
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. (PA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-01
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC. (CA)

Last year, on XX/XX/XXXX, i had total of 9 unauthorized transactions in my robinhood debit card account. I filed a dispute claim for 9 of them on XX/XX/XXXX thru robinhood XXXX. Somehow, omly 2 transactions got granted immmediately, but those two had the least amounts, and the rest 7 never got granted. Then i contacted them by phone, emails, i kept writing back to them saying how come only 2 got granted when i filed 9 of them at the same time ( 9 charges different amounts which happened in same day, same merchant, same period of time ). I was kinda shocked when they first approved my 2 transactions, they emailed me that they have found enough evidences, blah blah blah so they are good to go! But after many times contacting by phones, writing so many emails to have the company to refile those 7 transactions, they made me waitng like forever and kept denying my claim. Funny thing occurred til one point because i kept asking them to reopen the claims, and they finally sent me back an email said that they have found errors with and proofs so they will okay it! And then i showed it to them after couple days without any actions, then they emailed me back saying " oh that was a mistake, there is actually no error found, so it wasnt going to get granted ''. Ridiculous right? I finally emailed them again this time i criticized everything, pointed out everything with photos attached with emails they sent me... to make my point that i need all the staff in dispute department to stop treating people like an assembly line, please have some heart or at least put some effort into the work. Therefore, after waiting months and months pending for solution, they decided not to help me anymore and shut down my account, redflagged phone number so that nobody picked up my phone at customers services app support, emails no answer! Last time i checked those 7 transactions were pending and all the representative i spoke they all said " oh okay they were looking good, u just have to wait '' ... ..they lied to my face, and my account got closed all of a sudden. That is the reason today i need to your help please. I am very XXXX, please help me thank u.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (OH)

I am a victim of identity theft. Someone opened an AFFIRM account under my name and SSN #. I had made several attempts to get this resolved and they fail to work with me to get this removed out of my name. They state that it is mine. I advised it is not and requested what documentation do you have and/or IP address that was used to obtain the account and/or purchases. To this date they have failed to contact me back and/or provide me the documentation that I have requested. I submitted a report to the FTC and have supplied that report to AFFIRM.
Consumer complaint received 2022-08-03
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

Follow up to previous complaint filed against Flagstar Bank. On XX/XX/22, XXXX from the Office of the President called me and confirmed that I was given erroneous information in regards to my construction-perm loan. However, they didn't believe that I was mislead into falsely paying off a mortgage even though they were supplied with emails showing this was part of the approval process. They had to turn full circle from their original reply saying that I didn't have a loan in process and that they didn't see anything wrong. XXXXXXXX XXXX direct statement to me was that they did error and that I could resubmit my loan application for approval. All this after interest rates have risen and the economy has entered a recession. I already had a lock on a rate that is no longer valid. It seems that they know they made multiple errors on this application but no one wants to take responsibility for the errors. I also informed her that taking down all the information related to my application was a violation of the freedom of information act. They don't want the communication available to me because it will prove that they mislead me during the last stage of my original loan being approved. We were 2 weeks from closing on the loan before they required an employer statement guaranteeing 3 years of employment for my co-applicant. Nobody in their right mind, as an employer, would ever supply this to a bank. Again, the answer was re-apply so they could approve the loan but at way higher interest rates. Consumer beware. Flagstar admitted they had rouge Loan advisors and gave out incorrect underwriting requirements for this complaint. They don't care about who they XXXX over and what position they put borrowers in. Think twice before using them as your lender. Can't take responsibility for their own rouge employees.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX  account # XXXX days late on XXXXXXXX XXXX
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

2 new unauthorized mortgages were taken out from Wachovia bank ( now Wells Fargo ) on XX/XX/XXXX and XX/XX/XXXX using my credentials, credit score, collateral and income but were not signed ( enclosed ). On XX/XX/XXXX Wells Fargo offered to mediate the matter and after submitting requested information Wells Fargo declined to medicate on XX/XX/XXXX. 
This case is specifically covered in consent order XXXX. Definitions : Affected Customers : means any consumer subjected to any of the improper sales practices. 
Improper Sales Practies - means any of the following in the XXXX Bank XXXX Bank XXXX XXXX : ( 1 ) opening any account without the consumer 's consent Relevant Period - includes the period from XX/XX/XXXX to the effective date ( XX/XX/XXXX ). 
Wells Fargo has failed to resolve the 2 unauthorized loan accounts and have incurred {$400000.00} in damages from the funds disbursed and negative impact to credit reporting. Wells Fargo reached out to me to initiate mediation then withdraw without cause, violating the consent order and still leaving unresolved the 2 fraudulent mortgages, fails to address the federal loan program abuse and unjust enrichment.
Consumer complaint received 2022-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (AL)

My wife and I closed on a home on XXXX XX/XX/2022 on a fixed rate. I am XXXX XXXX XXXX veteran my home of record is Alabama. We purchased in Alabama because we would be exempt from taxes. Ever since we closed every month my mortgage has been a different amount, not to mention I'm still paying taxes every month. I've faxed in my paperwork with the parcel number to Mortgage Solutions, they told me it was up to their company whether or not I'm tax exempt and I have to fill out paperwork and it would take up to 6 weeks before I get an answer. None of this sounded correct so I called the closing lawyer ( will not return my call ) to make sure. I served my country, and I would like answers. I don't mind paying if I owe it, but none of this seems fair to me and I want to know where my money is going, why have my mortgage not been the same amount since my first payment all the way to this month ( XXXX ), and why is it up to the company if I'm tax exempt, when it states that as long as I'm a Veteran and I purchase in the State of my home of record ( Alabama ) I should be tax exempt. My mortgage is supposed to be {$1900.00} ( including insurance ) before tax exemption, after it is supposed to be {$1900.00}. I paid {$1900.00} once my first payment in XXXX. The lawyer gave me these vouchers to send in with my payment they won't accept them. The payment I made with the voucher was never applied to my account until XXXX where I had to pay {$2000.00} After I get letters in the mail, I owe {$3900.00} for XXXX, XXXX, and XXXX after making my payments on time. I got another for {$1900.00} then I get 1 for {$2100.00} starting XX/XX/XXXX, now I have 1 for {$2000.00} ( I paid this month, XXXX ). During this process I'm getting more mail from them stating my account is 30 days delinquent on top of all this I'm still being charged taxes. I'm just trying to get an understanding on what's going on here.
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)

To Whom It XXXX Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. XXXX & XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual 2. XXXX & XXXX Last reported XX/XX/XXXX {$120.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual 3. XXXX XXXX BANK Last reported XX/XX/XXXX {$25000.00} Reported balance Credit limit {$23000.00} You're using 109 % of your account 's limit OVERVIEW Credit limit {$23000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 4. XXXX XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance Credit limit {$5000.00} You're using 117 % of your account 's limit OVERVIEW Credit limit {$5000.00} Minimum monthly payment {$170.00} Opened XX/XX/XXXX ( 3 yrs, 1 mos ) 5. XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$1000.00} You're using 118 % of your account 's limit OVERVIEW Credit limit {$1000.00} Minimum monthly payment {$74.00} Opened XX/XX/XXXX ( 3 yrs, 2 mos ) 6. XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Reported balance Highest balance {$15000.00} You've paid off 12 % of this loan OVERVIEW Highest balance {$15000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 8 mos ) Term 60 months ( 5 years ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All 3 bureaus are reporting this account to be closed with a balance. The balance on the account should be XXXX. Due to it reporting over the limit it has caused my score to drop making it difficult to obtain new credit.