davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
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)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (ID)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA, The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-08-05
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. (VA)

I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1. Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), 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. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-08-05
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. (GA)

I filed a complaint with XXXX  to have so inquiries removed from my credit report, XXXX  deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my XXXX  credit report that I want deleted I do not recognize these inquiries and would appreciate if XXXX  delete these inquiries, I have filed a FTC identity theft report and sent to XXXX, you can not get all these inquiries on this FTC report, so Im sending the screen shots to XXXX and show them that the rest needs to be deleted
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (TX)

I am refinancing my current mortgage. My current mortgage company is Midland Mortgage. The refinancing company is requiring that I obtain a forbearance agreement from Midland mortgage. I am no longer in forbearance but the refinancing company is requiring this agreement even though I am no longer in forbearance. My complaint is with Midland Mortgage. I have been asking for this agreement to be sent to the refinancing company and nothing happens. I have been asking for the last three weeks. I have called them six times requesting this agreement. Their answers range from, they are not able to email, only fax or mail, they told me it takes two to three days to fax and a week to mail. The third time I called they said they dont email. The fourth time they said they can email but in three days. The fifth time they said they can put a rush on it. It has been a week since then and still no agreement. I am beginning to think they are doing this on purpose. In this day and age, how can it take this long to get something sent? I can not refinance with out this agreement so that it the only thing keeping me from a better interest rate and better monthly payments. Please help me.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been scammed for 2 months and I went through different kind of fraud transactions. This is wire-transfer transaction which was the last fraud one XX/XX/2021 WIRE TYPE : WIRE OUT DATE:XXXX XXXX ET XXXX SERVICE REF:XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ID XXXX XXXX PMT DET : XXXX XXXX XXXX. Amount : {$20.00}
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (OK)

XX/XX/XXXX I called and requested a deferment because I broke my XXXX  and needed to pay to see an XXXX surgeon. I have medical bills from my XXXX XXXX visit, I need to see the surgeon to have my XXXX  set and casted. {$610.00} would have gone a long way towards me being able to receive proper medical care. I was told I didnt qualify. Fine, but dont deny my request based on FALSE information. 

XX/XX/XXXX then received a letter stating that I didnt have the ability to resume payments. Thats a lie. I stated I am XXXX mom and has been for years. My car payment has always been made regardless. I can attach my bank statements proving I dont have access to funds to continue making payments is a lie. I spoke to XXXX XXXX ID # XXXX who did not care that something incorrect was done in the prior call because my medical bills hadnt even been resolved yet. Of course they hadnt, they havent even arrived yet from XXXX XXXX, and I havent even seen the XXXX  surgeon to have my XXXX  set yet! But guarantee itll be over {$630.00} as the surgeons office visit alone is {$150.00} without my XXXX  being set, casted, or follow up care. {$630.00} literally meant me receiving proper medical care and my XXXX  having to go improperly healed and deformed. He stated they are unwilling to do anything to resolve the issue as its simply a courtesy. I requested it be resubmitted with my husbands income included as he pays the bills. He refuses and told me to call back in a month. He also refused to tell me why they had come to the conclusion they did that I couldnt resume making payments to which he replied he couldnt coach me. Telling me what caused them to claim I cant make payments is coaching??? Why would any company say we denied you but we refuse to actually tell you why? 

XX/XX/XXXX I called back to obtain agent ID # s. I spoke to an agent named XXXX who refused to provide me an agent ID or any other identifying information after I told him I was filing a complaint with the CFPB. I was transferred to XXXX agent ID # XXXX. I asked why she was able to provide me an agent ID, but the prior agent was unable. She advised this number should have been provided and that the previous agent hadnt been noted he spoke to me prior to the transfer. 

I can provide bank statements showing deposits made every single month into my account and my urgent care discharge paperwork that states me finger is fractured and I need to see an orthopedic surgeon.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

Due to an identity theft issue I contacted all 3 credit reporting companies to freeze my credit.I had no problem placing a freeze at XXXX or XXXX  using their website. After opening an account online with Experian I applied for a credit freeze using the form on their site. I was told that they couldn't activate a freeze with the info I gave them even though I had no issues with the other 2 companies. Tried calling & got sent to their automated Freeze center which told me I had to mail in all sorts of personal info including my SS #, drivers license copy, ect. 
Not only is mailing this info dangerous but it needlessly delays activating a freeze. The Experian website is set up to make the free services that they are required to offer as difficult as possible while trying to sell you services & upgrades you don't want.
Consumer complaint received 2021-08-25
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 (MD)

Refinanced loan w/ Barclays Bank and proceeds were sent to Barclays from XXXX XXXX mailed XX/XX/2021 received and processed by Barclays on XX/XX/2021 in the amount of {$8600.00} confirmed by check copy provided from XXXX XXXX XXXX ( originator for XXXX XXXX ) after numerous calls and messages Barclays still has not credited the account after 1 month.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Legal Group, PC (CA)

I am a victim of Identity theft after Resurgence Legal Group ( representing XXXX XXXX XXXX XXXX sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX XXXX XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence Legal Group and XXXX XXXX, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Consumer complaint received 2020-08-26
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: Bread Financial Holdings, Inc. (VA)

I have a loan with CB/NY & CO and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/NY & CO and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-04-12
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. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BAM Management US Holdings Inc. (NC)

I wanted to withdraw my fund from Binance and close the account. First they dsiabled my account and it took me 3 days to activate it. Now I can't tranfer fund to my bank account and they are stating they are having issues. I asked for manual check, same answer. They are under investigation by SEC in NC and if I don't withdraw my fund by XX/XX/year> it will go to state. I believe they are holding this fund to collect interest and blaming on system.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC (TX)

I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( 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 when such an action is a clear violation of my consumer rights in accordance with the FCRA XXXX! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
Consumer complaint received 2020-08-26
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: CITIBANK, N.A. (HI)

I made a purchase on XXXX, but did not receive the item. XXXX told me to work with my credit company ( Citi Bank ) to get the refund. But Citi was asking me for the proof of cancellation or return. I can not provide none of those evidence because the purchase was never canceled or returned, I have never receive the item at all. I talked to shipping company ( XXXX ) regarding the package, they told me that package is considered as LOST in their system and a refund is issued back to shipper. Citi Bank still refuse to give me a refund ...
Consumer complaint received 2021-08-05
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. (FL)

I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX  XXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX  XXXX XXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.
Consumer complaint received 2021-08-05
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. (TX)

I have challenged several inaccurate and false accounts on my TransUnion credit report. However, they have failed to properly, legally, and transparently investigate these accounts which are damaging to my reputation. I hereby ask the CFPB to ensure TransUnion deletes these accounts after any re-investigation which must be completed within 30 days or less. Below I have attached the most recent challenge letter I sent to TransUnion about these accounts to aid their deletion.
Consumer complaint received 2021-08-05
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. (FL)

I am filing this complaint to address fraudulent or erroneous information reported to my credit. I am aware of being impacted of several breaches however, I am unaware of who may have compromised my information. The way the accounts are reported and the timeline of event do not reflect my proven financial behavior patterns and I have tried to dispute and file an identity theft report, these accounts were not opened by me and I am seeking a correction. I am running out of patience, I've been trying to get these accounts removed for months now. On XXXX I filed the identity theft report in which I outlined those accounts that I do not recognize ; XXXX  XXXX XXXX {$6300.00}, XXXX XXXXXXXX {$2900.00}, XXXX XXXX {$2600.00}, XXXX XXXX XXXXXXXX XXXX {$2500.00}, XXXX XXXX  XXXX {$0.00}. I have also tried to resolve these issues on my own however, as the consumer and the victim I have found the companies and reporters involved to be unreasonable and nonchalant when it comes to investigating. I am hoping that this complaint will address these issues and remove these fraudulent accounts.
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)

This is my second-time requesting 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 : 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