davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX in regards to removing unauthorized hard inquiries from my credit report. These inquiries have negatively affected me from obtaining items, such as credit cards and lines of credit. I did not authorize my credit report to be pulled by the following companies ( the dates are included as well ) : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX   ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX )  XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX   ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) I have yet to get a response from Equifax about this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX & Account Number : ending in XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-10-18
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 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 : DOE XXXX Account Number : XXXX Account Name : DOE XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-04-18
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. (CA)

i was never late on the payoff account with XXXX home loan please show me documentation proof of transaction being late to support your inaccurate reporting on my credit report if you can not supply this delete late payment off my credit report the FCR allows 30 days to fix this
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

Dear Wells Fargo Bank, Thank you for your response to my XXXX claim, but I would like to further discuss the denial of my claim. Your response states that the transactions were made through a secured online banking session by me or someone whom I gave authorization to. 

However, I would like to reiterate that I did not give anyone permission to make this payment, and I have filed a police report and even undergone a lie detector test to prove my innocence. Additionally, when I contacted the bank, I was informed that all the XXXX accounts that the money was sent to have been disabled and that I was not tied to any of the emails registered under their XXXX. 

This suggests that my personal information was leaked, leading to someone sending the money from my bank. I would appreciate it if you could investigate the recipients ' accounts and provide me with more information to help clear my name. Furthermore, I want to emphasize that when the claims specialist called me, they informed me that my account was logged in from Texas and XXXX, despite me living in XXXX, Utah. 

The fact that my account was accessed from locations I have never been to before suggests that my account was compromised. I immediately changed my account username and password after being informed of this. 

In your response, you also mentioned that there was a history that the device that made the disputed XXXX transaction dated back more than 60 days, and that the same device was used after I changed my username and password without the online fraud claim assistance center. 

However, this does not prove that my account was not compromised and the money was sent to a strange account, as I have never authorized such transactions before. I kindly request that you take my situation seriously and investigate this matter thoroughly. I believe that I am not at fault, and I should not be held liable for any unauthorized transactions. Please let me know what further information or documentation I can provide to support my claim and help resolve this matter. Thank you for your attention to this matter. 

In the new response, I was asked to contact the recipient and the recipient bank. I do not know the recipient and their bank because like I said this was an unauthorized transaction. Please give me a call or email discussing my options of recovering the funds or I would have no choice but to take legal action to do so. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

Diversified Consultants , Inc via XXXX. Amount {$290.00} This Debt of {$850.00} was settled on XXXX XXXX, XXXX in the amount of {$550.00} PAID IN FULL per ( XXXX ), Supervisor for Diversified Consultants , Inc XXXX and that the account was closed. 

I received a bill of {$290.00} with an account opened by XXXX XXXX XXXX on XXXX XXXX, XXXX which I did not authorize and is now showing on my credit report. I have made XXXX XXXX } phone calls back and forth to XXXX XXXX XXXX and Diversified telling me that this account was settled on XXXX XXXX, XXXX. The last call happening on XXXX from Diversified XXXX XXXX XXXX XXXX stating that an email would be sent from XXXX XXXX XXXX supervisor to my address on Monday XXXX confirming settlement. I never received this email. 

I have documentation that supports my account was settled/paid in full via XXXX XXXX XXXX on XXXX.
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I signed up for a Citi Bank checking account. There was a promotional offer of : Deposit {$15000.00} for XXXX days, then after the XXXX days allow up to XXXX days and a {$400.00} bonus would be deposited into your account. I complied with all the requirements and this has been confirmed by Citi Bank. XX/XX/XXXX I should have had the {$400.00} bonus credited to my account. It has not. I have contacted Citi Bank and they claim they have opened an investigation, but I have not received the bonus or explanation why. I have seen online other that have experienced similar issues with this Citi Bank bonus offer. Thank you. 

XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I've noticed significant inaccuracies in my credit report, with accounts appearing that do not belong to me. It seems like there's been a mix-up with someone else 's information. I'm concerned about the impact this could have on my financial profile.
Consumer complaint received 2024-11-15
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: IQOR US INC (CA)

I am filing this complaint against Allied Interstate LLC due to their unprofessional and obstructive communication practices, which make it impossible for me to address a debt they claim I owe. 

On XX/XX/, I received an email from Allied Interstate LLC stating they had an important communication for me regarding a debt. The email instructed me to click a secure link to access the details, but I opted to call their office directly using the phone number listed on their official website to ensure I was contacting the correct company. 

I made two attempts to reach them : 1. During the first call, I was placed on hold for 10 minutes with automated messages repeating every 15 seconds, asking me to press 1 to leave a message or stay on the line. Despite waiting patiently, no representative ever answered.

2. During the second call, the phone rang less than once before the line went silent. After a few seconds of silence, the call disconnected. 

This pattern of behavior feels like a deliberate tactic to stall consumers from resolving or validating debts, potentially to run out the clock on legal protections or reporting timeframes. It is extremely frustrating, as I contacted them the same day I received their email in an effort to validate the debt. 

These actions raise serious concerns about their practices, particularly when it comes to handling debts and their impact on consumers credit. I am worried they may report this debt to credit bureaus without allowing me the opportunity to request validation or dispute its accuracy.

Resolution Requested : 1. Provide written validation of the debt, including the name of the original creditor and proof that the debt belongs to me.

2. Cease all credit reporting activities related to this debt until validation has been completed and shared with me.

3. Improve their communication practices to ensure consumers can promptly reach representatives to address debts.

I have attached the following : A screenshot of the email I received from Allied Interstate LLC. 
Call log screenshots showing the two attempts I made to contact their office and the duration of each call. 

As a consumer who is actively trying to address this issue, I find their behavior unacceptable and request immediate action to hold Allied Interstate LLC accountable.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (VA)

On XX/XX/XXXX I noticed that there were XXXX worth of {$5.00} charges on my XXXX XXXX  account from CashApp. I emailed cashapp immediately since there are no numbers to contact cash and made them aware of these fraudulent charges taken from my bank account thru cashapp. I also reached out to my Bank to cancel all cards and report the fraud. Cash app responded on XX/XX/2020 at XXXX thru email requesting screenshots of the unauthorized charges on my account as they could not see the charges in my cashapp. I responded immediately at XXXX sending them 19 screenshots of the unauthorized charges. I recieved a responds from cashapp on XX/XX/2020 at XXXX confirming that the unauthorized charges we not made from my account and I need to reach out to my bank. I called XXXX immediately and they reached out to there fraud department. They stated there's nothing they can do after talking with XXXX I email cashapp immediately to ask if my money will be refunded and they keep directing me to my bank.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all XXXX consumer dispute for these XXXX accounts. I already paid for them. 

XXXX Open XX/XX/XXXX XXXX XXXX  XXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX Thank you for your help
Consumer complaint received 2015-11-11
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My wife and I had lived in the same house in XXXX for 30 years.  We got a reverse mortgage and we were doing fine and were very happy -- until XXXX happened from XX/XX/XXXX.  My house was shifted off the foundation, and XXXX came and put tags on the windows and door that said "Do not enter--condemned".  I was not allowed to enter my own home to get my jewelry and belongings out of the house.  However, insurance people came and entered the house but I was told I was not allowed.  At a certain point in time, the city tore down my house in front of me while I sat there numb. I lost good furniture, jewelry, collectibles, all I owned my whole life. My wife and I have health problems, and we were devastated and lost everything.  My reverse mortgage company kept $180,000 from the claim I put in and I did get some money for my furniture. Now the reverse mortgage company is still contacting me saying I owe them money.  I have NOTHING.  FEMA was lame and didn't help me but with a small check.  The reverse mortgage lender who is now Champion  Mortgage continued to call me when I told them I wanted no more calls and they even put flood insurance on my property for which my house is gone - and says I need to get coverage, and they will cancel theirs. If you read the attached, it says this insurance covers the "dwelling"!  There IS NO Dwelling!!!!  

I am writing to ask that you tell Champion to go to FHA as I paid for mortgage insurance, so if a borrower cannot pay - the mortgage insurance pays the lender. I am sick of these calls. They are making me older than I ever felt I was.  It is now affecting my health. I called the newspapers and they won't listen either.  No one seems to care.  Except my loan officers who did the loan and who understands my plight. Please help me, I am begging you - because I don't know where else to turn.  How can I owe money when I had the mortgage insurance that was supposed to protect me?? What was the FHA mortgage insurance or if not for a devastating loss as this where the house is GONE?!  My wife is now in the hospital, I and she live with a relative and I have no idea when things will change. I have applied for low income housing but have no idea when there will be an opening.  Thank you for considering my complaint.  Thank you.  Please see attached.  

XXXX -- XX/XX/XXXX
Consumer complaint received 2024-10-12
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)

An account/credit card was opened under my name with the company name of XXXX. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called XXXX and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-12
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. (IL)

There is an account from applied bank {$1000.00} with 13 late payments that also shows as closed only on the consumer reporting agency experian which is a violation of my consumer rights 15usc1681A ( d ) ( 2 ) a and 15usc6802 and I demand that this account be and late payments be removed immediately