davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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)

In accordance with the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX # XXXX, and XXXX  XXXX # XXXX, has violated my rights. 

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 7 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 2023-05-08
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (TX)

In accordance with The Fair Credit Reporting Act Total Visa, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Consumer complaint received 2024-10-05
Product: Credit reporting 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. (VA)

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me as well as employment.
Consumer complaint received 2023-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TN)

CKS prime investments , llc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
Consumer complaint received 2023-05-08
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. (FL)

When I investigated my credit report, I realized that some of the information was 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 update these accounts. 

XXXX XXXX XXXX XXXX XXXX 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 2023-08-11
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: Experian Information Solutions Inc. (AL)

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.

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 2023-06-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a loan, XXXX Dollars at XXXX Percent for 30 years but the Chase Representative changed the loan without my consent. They converted that loan to two separate loans, one for XXXX and XXXX almost equally almost XXXX dollars in payment, which was unaffordable for me and that was not the agreement. I applied for loan modifications and completed those payments but I was denied and foreclosed while I was doing those payments. The loan XXXX admitted they were going to fix, I have that in writing but never did. My dad complained almost everyday to make those payments. By working he is permanently XXXX and XXXX XXXX  by falling off a telephone pole working as a telephone technician. He has proof of the injury while trying to cover payments of this fraudulent mortgage transactions. There was threats of the debt collector of the Bank Representative. Theres a lot going on and there is a lot to be seen in this case. Then they told me to wait 3 months to behind in order for them to help us because she had some sort of mortgage XXXX. 

Thats not the loan I applied for they invented these XXXX loans. And XXXX is now the XXXX Collector and Now with an account thats not mine. In 2010 they foreclosure while doing the payments and bankruptcy protection and In 2010 I filed for notice of Recission under the 3 year window of Statues of Limitations because of XXXX, then debt XXXX came to my house and threaten us to pay them or they would kick us out without any foreclosure done. 

In these Emails, XXXX XXXX, offered me another job to make those payments when I already had XXXX. 
Now Ive received a notice of default that I did receive in the mail but a Notice Of Substitution of Trustee that never came from the Recorder Office or even general notice. It didnt come in the mail but we found it in the Assessors XXXX and Evidence of XXXX Loans they made on the same day. 

I also complained of the appraisal fraud because property was in bad condition. 

XXXX XXXX heard about my problem and called my dad telling him not to worry about this situation that he will fix it and when he would get out of XXXX the issue would be resolved. He forwarded it to the main office, they called me but they didnt solve it. XXXX recorded it and has this information. 

Now a XXXX called XXXX XXXX XXXX, representing XXXX is ready to foreclose on the house and trustee sell. 

Please help my dad because all his civil rights have been violated.
Consumer complaint received 2023-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I attempted to dispute the subject matter of my previous complaint against XXXX on my Transunion credit report. Transunion 's website did not accept supporting documentation despite several attempts to upload it, and did not offer any explanation for the failure or any alternative way to submit documentation.
Consumer complaint received 2023-05-08
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. (MO)

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX XXXX # : XXXX, Account name : XXXX XXXX # : XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX : XXXX, XXXX has violated my rights. 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 2024-08-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EdFinancial Services (GA)

Follow-up to complaint XXXX. Original complaint regarding missing payment information ( last payment showing at XXXX!! ) took over 7 months for EdFinancial Services to investigate and finally. According to FCRA, this should have been completed in XX/XX/XXXX. Information needs to be removed.
Consumer complaint received 2023-05-08
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. (MN)

The following hard inquiries currently listed on my Equifax credit report is fraudulent, unauthorized and not my hard inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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: EQUIFAX, INC. (CA)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. 

This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

My wife and I were getting ready to run into the hardware store by our house and she got notified that some charges were posted to her account from another town ... long story short I did not have my phone so when I got home I looked at my chime account and the same gas station had taken out XXXX every 2 to 3 mins and took over XXXX XXXX .I made a police report and gave chime the report number and have contacted numerous times only for them to say I am getting denied my money! My card is with me and always have never with anyone else and I didn't authorize or give anyone permission to take out XXXX every two to three minutes ... ... It's a gas station and I've done and called and made a police report and I haven't worked in the past year due to a illness that has left me XXXX! I have a family with bills and this is hurting my kids and don't know what else to do it's been dispute after dispute and I really need my money to pay bills!!! Plz help I'm begging you I did not authorize these charges!!! My wife won her dispute right away
Consumer complaint received 2023-05-08
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2023-08-07
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/2923, I opened my Cash App to find my balance was $ XXXX due to a charge from XXXX XXXXXXXX XXXX XXXX in the amount of {$75.00}. I promptly disputed this charge thinking it was the previous authorization for incidentals made on XX/XX/2023 that had already been released. I then called Cash Apps customer service and was told that it was a new charge and not related to the XX/XX/XXXX authorization and that it had been manually entered ( no card present ). Since I had already started a dispute, they couldnt do anything else about the charge but did tell me that this same merchant had tried also charging me XXXX cents as well. I made the representative aware that their website had not allowed me to attach any documents and I had noted that on the web form too. I was told that that someone would reach out to me within 3 days. I then contacted the hotel and was told they had no record of making that charge on the XXXX of XXXX and that they had no charge at all to my debt card. Since my reservation was paid for through a 3rd party, it would have only been the {$75.00} authorization for incidentals that would have been run and nothing else and it would have expired, which the hotel confirmed. The hotel suggested I had been hacked until I told them that made no sense. The hotel also said the charge ( if it had been them ) would have said XXXXm XXXX  XXXX and not XXXX XXXX XXXX XXXX. The hotel manager XXXX suggested that I dispute the charge and claimed no responsibility for making it. On XX/XX/2023 I received an email from Cash App denying my dispute and saying there was no error made. I asked for the documentation that was used and received a simple one page letter that contained the charge with the date and time of the charge and the description of card not present purchase and the rationale that no error had been made, that was it. Nothing else. I requested that I want to appeal their decision and that they didnt even allow me to submit any evidence and by their own admission, that the charge is fraudulent since they say it is a new charge made without the card present. I also informed them that the hotel denied making the charge in the first place. Cash App will not listen to any of this. 
I feel that the hotel is claiming no responsibility and Cash App is claiming no responsibility or error and Im the one who pays for what is nobodys fault. Somewhere there was an error made but Cash App rules against the Consumer without even bothering to investigate properly or reach out to the customer.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NH)

I set up autopay on a Barclay 's credit card in XX/XX/2023. Barclay did not process the payments because my bank could not locate their bank account. They finally sent me a letter about this problem on XX/XX/2023, after reporting my account delinquent to the credit bureaus and lowering my credit limit.
Consumer complaint received 2023-05-08
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. (CA)

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I took out an AA Citi card. They said they mailed it but I did not get it. I called and confirmed they had the right address and they sent another card. 

This weekend I have received 9 harassing phone calls and several emails dunning me for payment. I called and explained that I have not received the bill. I was told they could and would fax it to me within 24 hours. 

I did not receive the fax and called and spoke with another rep who said they can not and do not fax statements and they further would not email it to me. I told both reps to have Citi stop calling me. 

I then cancelled the card and wrote a letter to the CEO complaining about the harassing calls and saying I will pay the bill for all legitimate charges, in full, upon receipt, but will not pay any late charges or interest for a bill that I have not received.
Consumer complaint received 2023-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I have lost XXXX points within in month time. I just open another account that I had in good standard and I started losing points from there. All my accounts are in great standard! XXXXm not getting the credit I deserve. My Credit score wont go up when it should! My accounts are not reporting balance decreasing, but are reporting great standard and Im not getting any credit! All credit cards are at only 35 % use and decreasing! Im not getting the credit I deserve! Theres no way my credit score still should be at the borderline XXXX. This is fair, they want to keep at the XXXX range! Investigates my accounts, I should be close to the XXXX range, they come up with something to keep my score down!