davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

GRAIN TECHNO XXXX {$760.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the XXXX.
Consumer complaint received 2021-04-02
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. (OH)

Please see the attached document for reference to the facts of this case. Transunion has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification under Section 611 ( a ) ( 7 ) of the FCRA, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Transunion. 

Transunion willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Transunion, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Transunion to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.
Consumer complaint received 2024-09-02
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-02
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: AMERICAN EXPRESS COMPANY (KY)

I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I was solicited by Rocket Mortgage to apply to refinance my loan, and prior to starting the process Rocket Mortgage sent an appraiser that came back with a value of XXXX so we began the application process and finished XXXX of repairs. In the same month they sent a second appraiser that came back with XXXX even though the repairs were finished. Our own research has lead us to believe both of the appraisers grossly undervalued our home, by more than 50k. The fair market value of our home without any repairs of upgrades is XXXX but they are falsely depressing our home value. 

The end result is we were turned down for the refinance, our credit score decreased by XXXX points because of the denial, and our home was falsely devalued.
Consumer complaint received 2024-09-02
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. (TX)

ive been a victim of ID theft and ive tried multiple times to dispute these items off my credit report however XXXX, XXXX, and equifax will not remove these items, its been more than 30 days since i sent in my disputes, i wish to have these items removed ASAP, enclosed with this complaint is my ID theft report
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I had received a call in XXXX from Discover Card to ask me if I tried to open an additional account at which time I explained that I had made no application. Discover then told me that there is FRAUD on the account and the account would be frozen until I completed a 4506T verifying my information. 

I received a 4506T Doc-U-Sign from Discover from XXXX authorizing the IRS to validate my information. I executed the 4506T and it was rejected by the IRS as I had moved and my address had changed. Discover advised me to add my former address to line 4 of the 4506T and it was again rejected. I had called Discover again and then they sent me another Doc-U-Sign 4506T which was again rejected so Discover automatically closed my account as it was rejected 3 times from the IRS. 

Discover sent me an e-mail saying that they had closed my account due to conflicting information. I called Discover and asked " WHY '' they closed my account due to conflicting information as they sent me the Doc-U-Sign that they completed??? I have to highlight that I had told Discover that I did not receive the initial Doc-U-Sign at which time I received 2 additonal 4506T forms and I completed them both which the IRS rejected as they were both completed with the identical information. 

My card had a {$1300.00} balance at the time I was informed the account was closed and I paid the balance due to the Supervisor on the phone immediately so if they couldn't resolve my issue there would be no balance on the account. 

My pay practices with Discover had garnered me an increase in my account availability from the initial {$5000.00} to {$12000.00} over the 4 years I had the card at the time the account was closed.
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stern Recovery Services, Inc. (NC)

The 2 accounts with XXXX with account numbers XXXX XXXX*were legally paid in full and are no longer in use. I am not sure of how XXXX process of investigation but they continue to report erroneous status and information about these accounts. Also. they are not showing me the complete payment history of these accounts. Moreover, the accounts was illegally re-aged. A lot of errors.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature.

15 US Code 1666b In accordance with FCRA, ( SELF LENDER ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX XXXX has placed an hard inquiry on my Equifax credit file. This allegedly happened on XX/XX/2020 without my consent. I contacted a manager in credit review department and I provided my social security number and reference number. The manager could not found my personal information nor the previous alledged credit card application details in their database. Since I didn't authorize to receive or apply for credit with XXXX XXXX XXXX XXXX. I am requesting them to contact Equifax and remove this inquiry from my credit report immediately. Equifax has blocked me from having access to dispute this hard inquiry. I've attached two exhibits showing that both XXXX XXXX XXXX XXXX and Equifax are violating my consumer rights.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one Bank have restricted my checking accounts for almost 6 months. I previously made a complaint to CFPB regarding this situation and Capital one bank responded back claiming that they were closing my account. However to date they have not kept to there word and continue to hold on to my available funds of almost XXXX dollars, I would please like this account closed and my funds sent to me as soon as possible
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

My Chase Freedom credit card was charged in the amount of {$1700.00} from XXXX XXXX XXXX XX/XX/XXXX. 
I never approved or used my Chase Freedom credit card to be used on XX/XX/XXXX. 

This charge started out in the amount of {$330.00} on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Rental Record # XXXX economybookings that was charged to my XXXX bank card that I used. 
XXXX bank resolved this matter after investigating and ruling in my favor, to later find out that this same charge was transfered to my Chase Freedom card with accumulated interest totaling {$1700.00}. 

I have been trying to resolve this matter since XXXX XXXX when it first appeared on my statement. 
Chase have sent me a about 2 letters regarding this dispute not being resolved, and i have twice sent the documents Chase have asked me for. 
This is dispute have gone on too long, and I would have like to put this behind me in the beginning of XXXX.
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-15
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)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ava Finance, Inc (IL)

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (DC)

I was out of work for a few weeks and missed 4 payments on my student loans. When I returned to work I made all past due payment in full. FedLoans reported the missed payment on my credit but instead of reporting the 4 missed payments overall they took each individual loan and marked it past due 4 payments so instead of 4 missed payment it reads as 20 on my credit report. I reach out to Fedloans and was given paper work to submit to correct the issue in mid 2020. I was emailed back and told that I had already requested changes to my account that were approved and nothing could be done further. I never made any request previous to fix this or any other issue and they are telling me all the information is correct when it not.

Details : I have one student loan account.

I am invoiced for 1 payment monthly I make 1 payment monthly Fedloans however reports it to the credit reporting companies individually. This has and is destroying my credit rating and is not accurate reporting.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF THE WEST (CA)

I had a dispute with " bank of the Bank '' on one of their credit card transactions which they were not resolving. I always paid my card on time and took great care of my Credit card, in return as a revenge because I took them to the court they closed my Credit card. ( Please see attached letter I received from them ).

In this country if you will take a credit card to Court you will end up getting your credit card closed. This is such a cheap Credit card company and Bank, I never expected this out from them. I am really surprised, how can they do this with me?
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc (MO)

XXXX XXXX XXXX By mail in XX/XX/XXXX about a debt they alleged I owe. I sent out a letter in response XXXX, XXXX to validate this debt I allegedly owe, because I didn't know who this company was and I have no contract with them. They responded on XXXX, XXXX, XXXX with private medical information and procedures that is in direct violation of HIPAA that I never at anytime authorized them to have or share! They also responded on XXXX, XXXX, XXXX. The communication on XXXX alleged I owed {$300.00}! The communication on XXXX alleged I owed {$160.00}. Both threaten reporting to credit bureaus. This debt has already been reported prior to the communication between them and I. Some damage to my credit has already accrued. My private medical information was sold to this third party by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO. XXXX '' to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX '' without my knowledge or authorization. Violating my privacy rights
Consumer complaint received 2022-02-15
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)

XXXX has been reporting information that is not required by law .. according to 15 U.S. Code, 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX is breaking federal law by not receiving written consent from I the consumer before furnishing a report. XXXX is not following and willfully neglecting the aspect of an investigative consumer report. I have recently disputed an account with XXXX responded that an investigation with the furnisher has been initiated and I should wait for their response XXXX is the Consumer Reporting Agency Therefore they should be conducting an INVESTIGATIVE CONSUMER REPORT and disclosing said action XXXX is willfully neglecting federal law which has civil liability. According to 15 U.S. Code 1681a - Definitions ; rules of construction subsection D ( 2 ) ( i ) ( 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 ; AND ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. XXXX HAS WILLFULLY NONCOMPLIED WITH THIS SECTION by reporting transactions and approvals of credit by XXXX XXXX, XXXX XXXX and etc.