davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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. (GA)

Equifax Consumer Fraud Division XXXX XXXX XXXX XXXX, XXXX XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/2022
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nicholas Financial Inc. (GA)

I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft XXXX XXXX Account Number : XXXX Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2019-11-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (CA)

My name is XXXX XXXX and on XX/XX/XXXX I borrowed {$5000.00} from SpeedyCash Payday Loans due to unexpected financial hardship. The agreement had a pre-determined scheduled payments of {$260.00} starting in XX/XX/XXXX and ending in XX/XX/XXXX. They automatically deduct {$260.00} from my bank account every other Friday. I have been paying every payment on time and on XX/XX/XXXX I manually paid an additional {$300.00} via Speedycash website www.SpeedyCash.com to at least reduce the never-moving balance. SpeedyCash was scheduled to deduct the {$260.00} payment on Friday XX/XX/XXXX but today is Wed XX/XX/XXXX and SpeedyCash still have not deducted the payment from my bank and the 130.460 % interest rate is being compounded daily. I believe they are retaliating because I made additional payment. I am a victim of gauging and usury. I have every intention to pay off this loan but SpeedyCash does not provide payment/balance history and I have no idea what my balance is. They only provide " payoff '' balance and when I requested balance inquiry in the past they provided me with a copy of the same payment schedule. I have no clue where I stand and they are charging me 130.460 % interest rate DAILY. The {$300.00} additional payment was deducted from my bank but not the {$260.00} regular payment deduction on Fri XX/XX/XXXX. This company is gauging me thru usury by not applying my payment - therefore, I am filing this complaint. I would like to be compensated for ALL the days my payment was not applied on Fridays ( following Mondays instead ) which added much more interest to the principal balance. I am tired of them gauging me. PLEASE HELP!!!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar Mortgage as you are aware from my previous complaint that was never settled illegally entered my property, threw out my renters stole my personal property including tv 's, furnishings, dishes and proceeded to allow the the pipes to freeze causing in excess of {$100000.00} in damages and loss of value. I sued them and they apparently threatened or payed off the judge that handled the case as before the jury trial the judge decided that it was okay for them to do that. Nationstar parent company runs the XXXX XXXX XXXX and has mass control and influence in the community. They used this influence to commit massive crimes against me to the point of having XXXX XXXX of the XXXX XXXX XXXX 's office threaten to arrest me should I go to my own property. The property was not in forclosure at the time and I had called Nationstar to get a payoff as I had the property sold for substantially more than what was owed to them. The property is now damaged and worth less than half of what is owed. They have proceeded to tack on fees and expenses after finally applying to have a sale and refused to release the cure or payoff amounts to XXXX XXXX. Thus costing me an additional XXXX XXXX or more dollars just to cure the loan. Some of these fees were deemed illegal as the original firm handling the foreclosure was charged with crimes and forced out of business by the state attorney generals office. I am still being charged these fees. I am attaching the cure statement showing these charges. This property was in perfect condition and had renters in it when they took possession of the property. It did not require anything. They have broken every law imaginable against me and my property and I expect JUSTICE! I would have had the property sold and money in my pocket with the loan paid in full, but they do n't get paid for that they get paid to service the loan and the more fraudulant they are the more they get paid. This crime was committed against me and XXXX XXXX as they are the real holders of the note even though Nationstar keeps claiming in all the court paperwork that they own the note. They are criminals and belong in jail for theft, conspiracy, fraud and other crimes. I appreciate any help you can give me. I am happy to publish my number and name so anyone can contact me regarding my proof. XXXX XXXX XXXX XXXXXXXXXXXX
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. (GA)

I recently pulled my credit report and I see that there is an inaccurate account on my report. I DO NOT RECOGNIZE THIS ACCOUNT WITH XXXX. I requested the information below : I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the company listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1692c No proof has been sent to me for more than 30days as I previously requested, and that I am legally obligated to pay this debt. I need the purchase agreement of the debt, the insurance claim of the debt, and verify if the debt is within the statute of limitations. Please provide the original written agreement with my signature agreeing to pay.

As of today, I have not received the information that I requested. I only received a letter that my information was sold to a collection agency without my consent or approval, which is illegal.
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. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$74.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019, I opened a checking and a savings account at my local Bank of America branch. I did this in response to a {$500.00} promotional offer I received in the mail ( document is attached ). The {$300.00} promotion for the checking account was paid, but I have not been paid the {$200.00} promotion associated with the savings account. All customer service agents I've spoken to using BofA 's toll free phone contact number have explicitly acknowledged that I met all the promo obligations and waiting periods. The promo was " supposed to be '' paid by XX/XX/2019. My first contact with the bank 's national customer service line was on XX/XX/2019 and that agent " elevated '' the issue pursuant to what apparently was a formal BofA process. The agent provided me an " order number '' for future reference ( #  XXXX ). All agents I've spoken with have said the elevated review would take up to 60 days. It has now been 61 days so I called again and was told today ( XX/XX/2019 ) that nothing has happened with the review. Please help.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear Consumer finance, I am writing to you about my principle residence on XXXX XXXX XXXX XXXX XXXX. I have been trying to get a loan modification from Nation star for over two years and before that with XXXX XXXX XXXX who was the previous servicer. Even though the HUD councilor and my accountant and loan officer said that I am qualified to get a loan Modification, Nation star continues to deny my LOAN modification. 
In the spring and summer my husband and I travel to state and county fairs with our business and do very well but in the fall and winter the business is slower. When I submitted my loan package XX/XX/XXXX, they gave me a trial in the beginning of the fall that was double my original payment. My accountant said that it was unacceptable ; it was just setup to make me fall behind my payments again. So I resubmitted my loan package but the income was a bit lower because of the season. 
I have asked them many times, to communicate with me through email because of my business travels, but only after I have complained to the Customer Relations, did they assign someone. XXXX XXXX was communicate with me which was very productive, but shortly after, they took her off the case. No email communication after that. I have had about XXXX+ point of contacts ( the current one is XXXX XXXX ) and none of them has ever contact me. I have left many messages but no return calls. Very often I get an automated call on my cell after their offices have closed for the day. And when I call the next day, I get to speak to someone abroad ( their outsource servicer ) who generally asked me for items I have already submitted. I complied with everything they asked for but so far no communicate through email which makes it very difficult with my business travel. On XXXX/XXXX/2016, I spooked miss XXXX, and asked if i can have an email to communicate with my point of contact and she said that it is not possible. I told her that I will be traveling and phone communication may not be possible and I would like my husband to be the contact person in my absence. I did this a year ago and shortly after that, they sent a letter of denied loan modification, they figured that I was away and there will be no recourse from me and they can foreclose on my home in my absence. But fortunately, my trip was postponed this time and I was here to get the bad news of denied loan modification due to negative disposable income. This is very incorrect according to my loan assistant. They have previously done this using the wrong income or very old info to disqualify me. I strongly feel that because of my ethnic origins or religion, they are refusing to give me a doable or practical loan modification. Please, please help me in this matter. I beg you. 
Sincerely XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2020-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

I had a friend send me XXXX to the cash app I was told there was no transfer fee well they told me I had to go to the closest store and buy a XXXX  card for XXXX XXXX and send them the card then my money would be cleared and added to my balance. I sent one XXXX card for XXXX then the second card with XXXX they told me the card was used and cusses at me. And says they can't take that for payment and for me to buy another XXXX card for XXXX $ I just bought that XXXX card. And never used it before. And they say it's used. it wasn't. it was new then they won't refund the XXXX XXXX  card. Cause they wont and I'm out XXXX as well as the XXXX they sent to cash app .. Which isn't even in my account that even says it was sent. it disappeared. And I have pictures of. The letter they emailed me stating the XXXX is there but I have to clear it before I can have it added to my cash app. Account. So I did what they asked .i was told that the app is fake made with people scaming. Other people .. I just want what sent to me the XXXX and the XXXX they took off tbe XXXX   card I sent tjem I have pictures and screen shots of everything. Thing that went on. my email is XXXX Please get to the people that are scaming because there's not suppose to be a fee to send or receive. Cash on Cash app. thank you for your time. XXXX XXXX ....
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

I have a charged-off credit card with Citi Bank which is past the statutes of limitations per the state of Texas. I never received the 1099-C from Citi Bank and they continue to report a charged-off account that is past its collection time frame and neglect to send me the 1099-C to send to the IRS.
Consumer complaint received 2023-04-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Usaa XXXXXXXX XXXX  and XXXX  XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts