davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (NJ)

I am conducting a forensic audit on my credit profile and discovered that you are reporting inaccurate information on my credit report. This account XXXX  # XXXX has been charged off, which means the creditor has forfeited the right to collect on this account which is now a taxable income of which I have assumed tax liability for it as an income to me according to IRS. I have requested a XXXX Cancellation Of Debt Form from the original creditor but they declined and denied charging of this account as well as stated that they are not obligated to issue me a XXXX. Please be advised that this account has multiple inaccuracies eg, CO was listed multiple times instead of once. 15 USC 1681eb states that you have a responsibility to report maximum accuracy on my credit report. Ultimately, this creditor is in violation of my rights under FCRA, 15 USC 1681b and 18 USC 1028A which states that the creditor must obtain written instruction from me permitting them to report my information to the credit bureau. Secondly banks and credit bureaus are passing around my information without proper authority. Please, I need this account deleted from my credit report immediately.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP (TX)

XXXX called me on XX/XX/XXXX and refused to provide debt information. They attempted to call me again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX at times I could not answer the phone. Five days have passed since initial contact and I have not received a notice or information about my debt yet. This is a violation of federal law. 

Response to first complaint was not a response to complaint. XXXX violated federal law.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

My husband and I have been pulling our free annual credit reports online since XXXX from all 3 agencies. Beginning in XXXX, we were no longer able to access Equifax for either of us, we would get messages we were denied online access. It is impossible to try to speak to a live person which I have tried to do each time after we have tried to pull our reports. We will not send our ss # and other ids through the US Mail as we have experienced full ss # s on 1099 's being lost before. The alternative is to use the phone option which is an absolute nightmare. It can not understand voice prompts, it does not recognize keypad prompts and just hangs up so you have to call back multiple times and attempt the same process to try to obtain your report. We have only one landline phone number associated with both of us which also complicates the process because once one of us gets through and requests our report, it retains the personal information from the first person and the second person has an even more difficult time requesting their report. It can take up to an hour to perform this task for the first person and longer for the second person that we are able to do in just a few minutes for XXXX  and XXXX online. We have tried using different hard wired and cordless land line phones and nothing seems to help. Other than Equifax 's security breaches, we have had nothing change on our end. We have lived in the same house for over 30 years. I do not know why this is such a hassle with Equifax when there are no issues at all with XXXX  and XXXX. What can we do other than stop trying to pull Equifax reports?
Consumer complaint received 2023-07-03
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc. (NJ)

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau Attn : [ Specific Department, if applicable ] [ Street Address ] [ City, State, ZIP Code ] Subject : Request for Assistance Regarding Negative Credit Reporting Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding my credit score adversely impacted due to a forbearance granted by Mr. Cooper 's mortgage company. 

I am a responsible homeowner and have diligently made timely payments toward my mortgage with Mr. Cooper for several years. However, due to unforeseen circumstances, I faced financial hardship during the month of XX/XX/2022 and was granted a forbearance by Mr. Cooper which would break up XXXX 's mortgage into equal payments over the following six months. It was my understanding that this forbearance would not have any adverse impact on my credit history. 

Regrettably, I recently discovered that Mr. Cooper reported the forbearance period as a 30-day late payment on my credit report. This inaccurate reporting has significantly affected my credit score and undermined my financial stability and future creditworthiness. 

I believe that this negative credit reporting is unjust and unfairly tarnishes my credit history, considering the circumstances under which the forbearance was granted. I have diligently fulfilled my financial obligations and acted in good faith throughout this difficult period. It is disheartening to see my creditworthiness compromised as a result of the very assistance I sought to maintain my financial stability. 

I kindly request the Consumer Financial Protection Bureau 's assistance rectifying this matter. I would appreciate your intervention in contacting Mr. Cooper 's mortgage company on my behalf to investigate the inaccurately reported 30-day late payment and request its removal from my credit history. 

Enclosed are supporting documents, including correspondence with Mr. Cooper, demonstrating the forbearance agreement. I believe these documents will help substantiate my claim and support the urgency of addressing this matter. 

I am confident that with your intervention, we can resolve this issue and restore the accuracy and integrity of my credit report. I sincerely appreciate your attention and look forward to a prompt resolution. 

Thank you for your time and consideration. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

Response on XXXX XXXX Account number XXXX I reject your response due to this : I am certain your are committing identity theft fraud and violating the law at the same time. 
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they have attached bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
Consumer complaint received 2023-10-11
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)

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 Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-10-11
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. (TN)

I have disputed my credit report since XX/XX/2023 I should have a better credit score than XXXX. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!
Consumer complaint received 2023-10-11
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. (TN)

I have disputed my credit report since XX/XX/2023 I should have a better credit score than XXXX. No late payments should even show up on my credit report according to 15 USC 1681a ( 2 ) ( b ). Also with the new law that Congress just passed no medical bills should be listed either. I NOW HAVE THE RIGHT TO FILE A LAW SUIT SO CAN YOU PLEASE POLICE UP YOUR BREAUS BECAUSE ITS TOO EASY TO FOLLOE THE LAW YALL EXPECT XXXX PPL TO FOLLOW THE LAW BUT EVERYONE GETS EXCUSES AND PATS ON THE BACK! MY CREDIT REPORT SHOULD BE REFLECTIVE IT ONLY TAKES 30 DAYS! I have my auto loan showing up as negative when the insurance paid it off. When people dont follow the laws it leaves consumers unable to actual live!
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

I set up a cash app account and its supposed to come with a cash app card. When I try to order the card on the account I get an " unexpected error '' screen within the app. 

When I chat with customer service within the app ( and this has been going on for quite a few months. with me, and other people ) but when I tell them about the error and ask them about how I can go about remedying the problem so that I can get a cash card to be able to spend my money FREELY WHEREVER I CHOOSE they simply tell me : " you can't have a card, and we won't give you any more information '' and they RUDELY, AND VERY DISRESPECTFULLY shut down any further communication. ( IT IS VERY BAD ) I'm afraid that if I keep pressing the issue then they will make me close my account and not have access to the things that my friends and family have, within being able to utilize that service, while at the same time keeping me feeling like a second class citizen who is undeserving to have all of the offerings that they have available for other people. 

I did a search for this issue all over the internet and in forums and everything and I see and feel that this issue is being " handled manipulated and managed '' and whole discussions are being circumvented, with the confidence that there is no oversight. 

Even so much as to be bold enough to feel no obligation or responsibility to inform or explain to you why they are manipulating the way you spend your money through making you keep it in digital circulation.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (PA)

My parents received an XXXX credit card with my name on it in early XXXX. I live overseas and did not apply or inquire about a credit card with any company XX/XX/XXXX : Called TD customer service. ( TD seems to administer XXXX, which is the name of the company on the card. ) They've filed a fraud attempt report on my behalf. They said my parents ( the address under which an application was apparently made - I haven't lived there for over 5 years ) should receive a letter from their fraud department in the next 7-10 business days. Could take up to 30 days to resolve. Case # XXXX. If any questions in the meantime, I was told to call customer service back at XXXX.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (FL)

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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-11
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. (LA)

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 Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i submitted a dispute on my bank, bank of america on XX/XX/2023 for the zelle transaction on XX/XX/2023 XXXX XXXX XXXX XXXX whom i received hair treatment. This hairdresser i just found in yelp and he did his service at his house. I was suppose to get hair rebond but he said my hair is too damage so he said he will just do treatment.at the end he charged me XXXX dollars for XXXX different treatments that i didnt know and agree about and as much as i want to refuse to pay him i felt unsafe being in his house and to be put on that situation so i just zelle him the payment because i want to get out of that place. The next day i message him to break down the charges- XXXX for cellophane, XXXX for reborn, XXXX for biolage and XXXX for shampoo and conditioner and i told him it was too much. The next business day i called my bank Bank of America and dispute half of the charges, i was told that the merchant is not obligated to return the funds but it told them that i felt i was mislead and that i was not informed of the multiple treatments he did, also for the price i paid the result didnt even make any difference on my hair. On XX/XX/2023 i received the email from bank of america that they did not approve my claim, so i called them and ask how the decision was made as the letter only states that the reason was the transaction was already posted on the other account. It seems that there was not enough investigation that took place see attached letter, i also mentioned to them that i could not find his license thru bureau of cosmetology neither his business license in dept of consumer affairs, that this makes it a fraud, that they should have included in their investigation, also the end result on my hair didnt live up to what i expect after i washed it. I requested to resubmit my claim, i was told to wait 45 days. I think they lack of diligence with this matter, i have been with them for 16 years, and expect they should have been more helpful to small people like me.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

My student loan with Mohela has been forgiven. It still shows up on my credit report months later. I have disputed it with XXXX but they have not cleared it. When I contact Mohela via phone or online, they can not even view my account anymore to assist with this since there is no balance.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

I have reach out to XXXX, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/2023 as well as to the Federal trade commission on XX/XX/2023. 
I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as XXXX XXXX  XXXX letter XX/XX/2023 and then on 2nd letter XXXX/XXXXXXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. 
XXXX XXXXXXXX XXXX XXXX 1st letter XX/XX/2023, XX/XX/2023 response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. 
XXXXXXXX XXXX XXXX 1st letter XX/XX/2023 and XX/XX/2023 with police report, FTC, and driver license. 
XXXX XXXX 1st letter XX/XX/2023 and filed a dispute through XXXX.