davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV INC. (CA)

My employer informed me of a request for unemployment benefits using my information. 

I called XXXX and informed them of the fraudulent request. 

They assigned case number XXXX and said it was " taken care of ''. 

I just received a " benefit payment option '' notice in the mail from Moneynetwork.com Moneynetwork can't be reached. ( My information is not in there system - so they say ) XXXX 's online fraud reporting system gives an " ERROR '' when I hit the submit button. 

I need to confirm if a claim has been made in my name. 

Any support is appreciated. 

Thank you-
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-06-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I wanted to close credit card of Truist bank. Their credit card services sent me the bill of XXXX cents without explanation for what they are charging me. They put XXXX dollars as a previous balance, then XXXX dollars of fee charges and XXXX of interest charge. They wrote that if they will not receive your minimum payment I will have to pay late fee up to XXXX. They never sent me the bills before as my credit card was blocked by them and I could not see it on line banking. I paid them XXXX by check, because I am on low income and they are threatening me with their charges. But I want my money back and explanation about the charges on my account, I hope you will help me, regards, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Dear CFPB, I am writing to address the unresolved disputes on my consumer report and request a prompt resolution in accordance with the Fair Credit Reporting Act ( FCRA ). By the way, I'm in my bedroom on my laptop, writing this out, which is causing unnecessary time and effort on this issue. 

Despite providing all necessary documentation and following the proper procedures, Equifax has failed to conduct a thorough investigation, provide a timely response, respond with a conclusion, and remove the disputed items from my credit report. 

I sent certified mail on XX/XX/2023. Equifax acknowledged receiving documents on XX/XX/2023. I have the tracking number ( XXXX ) and a copy of their signature from USPS Equifax accepting the items in question, as well as personal information and supporting documents. 

I urge Equifax to take immediate action to rectify this matter to avoid any court intervention. 

The FCRA mandates that credit bureaus conduct a reasonable investigation and provide a written resolution within 30 days of receiving a dispute. 

However, it has been well beyond the required timeframe, and I have not received any substantial response or resolution from Equifax. This failure to comply with the FCRA 's guidelines not only undermines the integrity of the dispute resolution process but also negatively impacts my financial well-being. 

Given the credit bureau 's noncompliance with the FCRA and the extended period of time that has passed, I assert that the disputed items should be promptly removed from my credit report along with updated personal information. 

The absence of a timely response and resolution demonstrates a failure on the part of Equifax to fulfill its obligations and protect my rights as a consumer.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The following Credit Reporting company below was contacted : Experian, XXXX XXXX   XXXX, XXXX, TX XXXX, ( XXXX ) XXXX The 1st letter was sent to Experian company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed contract with my signature on it in which they did not provide. Also, no XXXX System or Automated System can not be used for verification as in the case of ( e.g XXXX vs XXXX [ Experian ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response!

Please see the attach documents for more detail information.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATIONXXXXXXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXXXXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX and DEPT OF EDUCATIONXXXXXXXX  XXXX XXXX Please update ASAP.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC (NV)

on XX/XX/2022 I called best Egg and asked them to stop ach payments withdrawals and they said OK but to also write a letter which I did the same day. The ach payments did not stop. I had to file XXXX  XXXX bankruptcy in XX/XX/XXXX XXXX the ach withdrawals did not stop. they continued to take payments. I called again and they said they would stop as they were notified by the court. they withdrawals continued and the bankruptcy couldn't close since they now owed me money Ithe Trustee was to give to creditors. the Court gave them a reprimand on XXXX and again in XXXX XXXX to this day they try to auto withdrawal payments which I now keep the account empty and told XXXX XXXX XXXXXXXX to deny the payments which are adding to fees. so far they owe me approximately {$2000.00} in ach withdrawals after I took away my permission and street the bankruptcy and the day they don't know how to fix the issue. until then the bankruptcy can not be completed.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (OR)

I previously reported XXXX XXXX and their credit card service provider XXXX XXXX for unnecessarily rejecting credit card payments in order to charge excessive late fees. They did not explain why the payment was rejected, and I checked that my routing and account number was correct. So they'd reject the payment, and not notify me that it had been rejected and then charge me a late fee when the account was past due. After being on hold with the company for hours to get it cleared up I demanded the account be closed and the excessive late fees be removed. The person I was talking to told me they could clear two of the excessive late payments, but they would clear all three if I kept the account open. I told them no, and demanded the account be closed. I discovered that the account is still open, and is still active on my credit report though I have not used the card since I thought the account was closed. I demanded the account be closed again and have not seen any action.
Consumer complaint received 2023-06-27
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. (MI)

TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Regarding Violation of Rights Dear TransUnion Consumer Relations, Is in violation of my rights as a consumer regarding the investigation of a dispute on my credit report. Despite my previous communication and the legal obligation under the Fair Credit Reporting Act ( FCRA ), I believe that TransUnion has failed to properly investigate and address my dispute. 
On XX/XX/2023, I submitted a dispute letter to TransUnion regarding an inaccurate item in my credit report. The item in question is XXXX Secured Credit Card, CHARGE-OFF Acct # XXXX. According to the FCRA, it is your duty to conduct a reasonable investigation into disputed information within 30 days. However, it has come to my attention that this investigation was not carried out thoroughly or accurately. 
I expected TransUnion to act in compliance with federal laws and perform a diligent investigation to ensure the accuracy and fairness of my credit report. Unfortunately, the lack of proper investigation has resulted in the persistence of incorrect information on my credit file, which directly affects my financial standing and reputation. 
As a consumer, I have the right to fair and accurate credit reporting. I demand that TransUnion takes immediate action to rectify this violation of my rights. I request that you conduct a comprehensive investigation into my dispute, correct any inaccuracies, and provide me with a revised and accurate credit report within the legally mandated time frame. 
Failure to address this dispute and take corrective measures within 30 days from the date of this notice will leave me with no choice but to pursue legal remedies available to me under the FCRA and other applicable consumer protection laws.
Consumer complaint received 2023-06-27
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. (NC)

I sent a letter of dispute to Experian, XXXX, and XXXX on XX/XX/2023. I explained that the account for XXXX XXXX was reporting incorrectly. The account was charged off and keeps reporting as being updated each month. All 3 bureaus came back stating the reports were updated without providing me with the proof or documentation used to validate the account.
Consumer complaint received 2019-03-14
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: Navient Solutions, LLC. (NC)

Student loans are appearing on my credit report. I have contacted Navient, XXXX, viewed the student database and have contacted the college in question. Not one agency or organization is able to provide a signed promissory note with information about these loans for verification.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is other, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

In XXXX it reports late payments in the months of XXXX, XXXX and XX/XX/2021, and in more another agency reports on those dates, and in XXXX it reports in the months of XXXX, XXXX, XXXX, XXXX. Which as you can see there was no late payment. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me as a late payment. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: American Financial Resources, Inc. (FL)

Good Morning, We have a VA Construction Loan with American Financial Resources. We got the loan XX/XX/year> when construction was supposed to start. The company we hired, XXXX XXXX, drug their feet for months, turns out they didn't do anything and stole our money, 10 % draw from the bank and 10 % cash from us. We have filed felony charges and a complaint with XXXX  against the builder but my question is about how much culpability if any the lender has. When we opened this loan we were told that there wouldn't be any payments due until after construction completion and we thought cool because by then we will have sold our other house and could pay down the loan to make the payments more reasonable. Turns out they added the first year of mortgage payments, over XXXX, into the loan and were making payments to themselves, this may be standard practice, but was not relayed to us before loan closing. When we saw the payment slip in the mortgage info we reached out to the mortgage company we used XXXX and he said we don't make payments on the loan until construction is complete so I thought maybe they put the wrong year on that example payment slip. We should have noticed the amount of the loan was more in the end but with all the legaleaze and fees who knows what's what is those contracts not to mention it was like XXXX pages long and we had a notary sitting there and felt rushed to sign it. When we realized the construction company had stolen our money we reached out to the bank and asked if we could just close the loan instead of making XXXX in interest payments per month on nothing while we figured out if we could find another builder or not. This was actually our second builder. In order to close the loan we had to pay all the closing costs and those first 6 months of payments they paid to themselves equaling over XXXX. We tried to find another builder but they wanted an additional XXXX on top of what was left in the loan and with what has already been stolen adn the fact that nothing runs on budget, we decided we just can't afford to do this. So we borrowed some money from my mom and emptied our savings to pay the loan off just se we aren't paying over XXXX in interest on nothing. I am not sure if the bank did anything wrong or if they have any obligation to actually help in a situation like this but everyone has gotten a XXXX payday off of our misery. I am even having to fight the VA to get our funding fee back which is just crazy since we technically don't have a VA loan yet because it never even got that far. Thanks for any help/guidance you can give.
Consumer complaint received 2023-06-27
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. (NY)

I want this late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. Please repair and update these accounts immediately.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (PA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-27
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. (NC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00}