davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on XXXX and XXXX of XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I contacted Transunion concerning this, they told me to submit a dispute, this has already damaged me by a credit card dropping one of its limits from {$11000.00} to only {$500.00}, I have been denied credit because of it. I have proof that this debt was paid to the original party ( XXXX XXXX ). And they are at a loss why this is with a collection agency on my credit report
Consumer complaint received 2024-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I set up auto pay directly with select portfolio mortgage company after previously making them through my bank. I was told that the set up would be quicker and could even make real time payments that could be applied real time to reduce principle. This would allow it to be properly applied- sending extra from my bank would not ensure that they would apply it correctly even though memo would state how I wanted it to be applied. I HAVE HAD NOTHING BUT PROBLEMS WITH THEIAUTO PAY. They have missed payments, not applied the extra correctly and I have NO confidence in them. I have had extensive conversations to resolve. The last straw was that I saw a credit file alert stating late payment EVEN THOUGH I HAVE AUTO PAY THROUGH THEM. I believe that this companies has deceptive billing practices, is derelict in their management of funds and falsely reports to credit agencies based on their errors. I have no way of confirmation that thary are processing things correctly and would like for them to be fully invesistagated as an organization.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MN)

LVNV Funding LLC is saying I owe them {$760.00}. This is fraudulent inquiry on my Credit Report. I dont know this company and I never heard of this company. I did not had any service or spoke to them.
Consumer complaint received 2024-01-13
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: EQUIFAX, INC. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to remove these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-13
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: EQUIFAX, INC. (MO)

I am writing to express my dissatisfaction with the handling of my credit report and the multiple, unsuccessful attempts to correct inaccurate information related to removal of the charge-offs accounts. It has come to my attention that despite repeated efforts, these issues persist on my credit report, adversely affecting my creditworthiness and financial standing. However, these removal have not been reflected, and the incorrect information remains, impacting my credit score negatively. I have noticed inaccuracies regarding charge-offs on my credit report. Despite providing documentation to support the resolution of these accounts, the charge-off status persists, and I have observed no improvement in the reporting. Furthermore, attempts to rectify inaccuracies regarding these accounts have been unsuccessful. The persistence of this misinformation is not only frustrating but also detrimental to my financial standing. I kindly request a thorough and immediate investigation into these matters. Additionally, I expect timely updates on the progress of the investigation, including any actions taken to correct the inaccuracies on my credit report. To aid in your investigation, I have attached supporting documentation. I am asking for your assistance to remove the charge off accounts in my credit file : XXXX XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-01-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Central Revenue (FL)

on XX/XX/XXXX I was contacted by Niagara central revenue XXXX about a debt owed in my name. I asked for basic information such as their name and address, my original loan information and all of the associated with it such as what was owed. 

They tried to work out a payment system and then asked for my debit card information and when that happened I asked for the basic information that they are supposed to provide. Then they started getting rude and telling me I was gon na have all of my assets taken and I would be taken to court and sued. They wouldn't give me any information that I needed to verify the loan unless I gave them some sort of payment information. 

I only have XXXX car to my name that's worth {$500.00}. They are threatening me that they will take it and sue me in court.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

In mid-December, Incomm began blocking transactions "for cardholder security" in response to the wave of fraud they encountered this holiday season. Essentially if three customers use an Incomm service gift card at a merchant, and a fourth customer tries to do so, the transaction will be blocked. Customer service blames the merchant, and requests the card be attempted to be used elsewhere. These are in-person transactions using the PIN. I've tried several merchants and all have the same issue. I've started several cases with Incomm, but would like expedited assistance to recover my funds and get a refund check for the entire batch of cards and fees that I paid for the cards that I have that are unusable.

The card numbers are:
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  Phone : XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SER XXXX  READS WAY XXXX XXXX, DE XXXX Dear { DISCOVER FINANCIAL SER } This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : DISCOVER FINANCIAL SER Made on : { XXXX XXXX AND XXXX XX/XX/XXXX } Made with : XXXX, XXXX, AND XXXX TO INCLUDE ANY REPORTING ANGENY USING THE SSN AND NAME To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 
Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX XXXX ATTORNEY OF FACT SIGNED WITHOUT PREJUDICE All inquiries and reported information are to be restricted to the consumers ' wishes in writing. Thus no other reports will be submitted without the consumer 's knowledge or written permission. DATE XX/XX/XXXX Claim initiated
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (TX)

I hope this message finds you well. I am writing to express my concern and submit a complaint to WESTLAKE FINANCIAL SVC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, WESTLAKE FINANCIAL SVC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit report from XXXX app, XXXX and Equifax has not been update for months. All though Ive making all payment on times my credit report remain the same. 
I have attached proof of my credit report from XXXX XXXX that constantly been updated. 
XXXX never updated my credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX they are reporting information that goes against my rights! 


15 U.S. Code 1666b - Timing of payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681a - Definitions ; rules of construction.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Paypal Holdings, Inc (OH)

Most recently I was denied for the PayPal pay in XXXX  program on XX/XX/24. Last year this happened and I was given the same decision and was told that it was due to fraudulent activity on a previous Pay in XXXX  account. I vehemently protested, stating that I had never missed a payment with Pay Pal nor was there ever any discrepancy with any payment. I also pointed out the fact that I have a credit score over XXXX and I have a PayPal Cash back Master Care  with a {$5000.00} limit that is in good standing with a low balance ( under {$200.00} ). I was told then that there was nothing that they could do. If was in the computer and they could not remove it, Nor, could that give me any particulars about this alleged fraudulent activity. I thought that it would rectify over time due to the fact that I did continued good business with PayPal and continue my on time and consistent payments. Unfortunately I am still being discriminated against unfairly. There has never been a problem with any account of mine with PayPal. I demand that my record reflect this and any payment method I choose be made available to me. ( In particular PayPal pay in XXXX  )
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

YOU DID NOT COMPLY WITH MY INITIAL CEASE AND DESIST NOTICE. See cease and desist initial demands NOTICE on XX/XX/23. 

I demand the following actions be taken within 10 days of receipt of this letter : 1. Delete or remove all accounts from any and all non-affiliate 3rd party credit reporting agencies.

2. Delete or remove my nonpublic personal financial information from any and all consumer reporting agencies and your database or system of records.

3. Provide me a written response confirming the deletion of accounts from all credit reporting agencies and the termination of further collection efforts. 
If you continue to ignore my cease and desist demands i will file complaints with Governmental authorities for failure to comply under the FDCPA, FCRA and GRAMM LEACH BLILEY ACT for willful and non compliance along with identity theft with the Federal Trade Commission ( FTC ), Attorney General ( AG ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Florida office of insurance regulator, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Merrill Lynch still refuses to give me my money and just on XXXX XXXX i called them and they said a check was sent on XXXX XXXX then i calley again on the XXXX and they said they sent it to XXXX still not true they are holding my funds because of the situation with the check cashing place which has nothing to do with them the check cashing place has their money so that's all XXXX. XXXX paid XXXX and sent my funds to them those are my funds, i'm not doing anything fraudently, the i spoke with XXXX and they told me all the dates the check cashing place was calling and pretending to be me I even tried to put a stop payment on the check but it was already paid to Merrill lynch and they have not sent anything back to them and how would they know about the check cashing place and what they are assuming what happen anyway thats because the check cashing place was upset when i changed my mind due to their high fees not posted in their place of business.I don't owe no one anything i never got my money and i been waiting since XX/XX/2023, they are making false reports of fraud and closed my account listening to the lies of that check cashing place that i have filed a complaint against as well next it will be a law suit, the check cashing place deposited two different remote deposits of the same check on different dates the first date was XX/XX/XXXX and it came back on XX/XX/XXXX then they did it again and it came back on XX/XX/XXXX so why would they give money up if it already bounced cause they didn't not to me so i want my money from XXXX cause XXXX does not have it.The check cashing place was trying to make me cash that check there but their fees were too high and i only learned that it was illegal for them to charge that the next day. I would appreciate it if merrill lynch would stop being rude to me cause i want my money and to stop telling me different lies cause they are trying to keep my money.
Consumer complaint received 2024-01-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (MN)

Us bank ruined my credit by kicking me when I was down in regard to my mortgage and destroyed my credit it score. Consumers beware, stay away from us bank. I communicated several times when I was out of work and hospitalized due to complications with covid. I had worked so hard on my credit. The last thing I wanted was to have my credit score affected. I was told my credit would not be affected and us bank would walk me through a repayment plan. Us bank reported me 120 days late. Ruined my credit. The thing I was most concerned about through my hardship happened. It really felt like a slap in the face to my efforts to communicate and prevent my credit from being damaged