davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-12-01
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. (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. 
ACCOUNTS : XXXX XXXX XXXX, XXXX XXXX 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  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX 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 an 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 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. They list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 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 the records of conviction of crimes which antedates the report by more than seven year. 

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 the information is inaccurate.
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (CA)

Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (NJ)

My wife and I were denied access to information ( appraisal ) on a new home purchase, have not been able to obtain a copy of our appraisal for over 4.5 months. In addition we received critical disclosures late and were notified after closing our home with in a flood hazard.
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

When covid first started at its highest peak, my job hours dropped a little and I had to look after a child because schools had closed down. I applied for unemployment XXXX and was approved but later XXXX closed my XXXX and switched to XXXX claim. I recieved my first payment of {$4700.00} on XX/XX/XXXX into my cash app account ( biggest mistake ) and everything was ok until the payment was reversed supposedly on XX/XX/XXXX back to XXXX XXXX XXXX. I talk to XXXX several times and they inform me if the payment was reversed, it would of been reissued into my new account because XXXX stopped issuing payments to cash app because of so much fraud with XXXX at the time. So the issue is where did my money/payment go. I've been going back and forth with cash app along staying in contact with XXXX about the issue for years and still no resolution. I really hope you all can assist me if possible. Enclosed is all the proof, conversations with cash app, all of my deposits and the dates from the XXXX. I also enclosed the last attempt and conversation with cash app on XX/XX/XXXX and no one has reached back out. There is a lot of paperwork I am attaching.
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRSTBANK (AZ)

I had a check from a job that was apparently fraudulent. I took a picture of it from my phone and it told me it was no good. I called the bank manager as my girlfriend had the same thing sent to her. 
I had previhad fraud on the XXXX of XXXX something ordered from XXXX. I got no response from that. 
I am on SSXXXXI and because of this, I still don't have a check that they received and took XXXX out of but claim my account is closed. 
I have pictures of all of this I will attach. I ad to spend three nights outside unable to pay rent and they sent me paper stating they have if but dont.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Over a year ago I requested a removal of PMI it had been 2 years since I had started mortgage. They said home did not meet the amount needed to do so. That was false. So I waited a year and on their site the house evaluation showed a increase from $ XXXX to $ XXXX which was a little low but good enough when my balance was only $ XXXX. So I request removal of PMI again. They told me my payments needed to be verified and my Credit again I said ok. My credit is perfect with a score of 780- to 800 from all 3 Credit Bureaus XXXX Then they stalled again. I got a letter saying my house did not meet the financial requirements which was over a 100 % to value. They then said I needed a bop or an appraisal I said I would prefer and Appraisal do not do a BOP. 2 weeks later I got an email saying a BOP would be cheaper. I said no I already told you a Appraisal. I asked how much. The rep told me {$350.00} I said ok take that payment. I was put on hold then she came back and told me {$420.00} I said oh well Ok They took the payment for {$420.00} on XX/XX/XXXX XXXX then 2 weeks went by. Then in e mail I was told It would be {$600.00}. then another week went by and now I am being told an additional {$170.00}. I have this all on my emails and the payment taken on XX/XX/2022 from my bank. This is a 2 year run around and stall to remove something that qualified from the very first request. This mortgage company is trying to take advantage of me and my Family. Loancare servicing LLC
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (NJ)

I have been a cardholder with Genesis FS Card Services ( Milestone ), as well as Destiny Card ( which I closed the account ) for over a year. I've called several times over the year, including my latest date XX/XX/XXXX to apply for Credit Protection ( a service they offer ) and I keep getting different responses as to why I can't apply. The latest is that I would have had to apply for this service on my initial credit card application, and that you can't take out this service afterwards. I asked XXXX ( ID # XXXX ) could she send this to me in writing, since it's their policy, because I keep getting different answers. She then put me on hold & asked her Supervisor ( XXXX ) ( who would not give his ID # ), and the response back to me was No, I can't get anything in writing supporting that policy. I also asked about a hardship program over the years and NEVER. They always say they have no hardship programs available at the time. I've been out of work for ( 2 ) years with health issues & had XXXX XXXX last XX/XX/XXXX, with a 2nd upcoming XXXX and this company offers no hardships & no way for me to protect myself as a Consumer with a service they have/offer, but state that it is only offered on the credit card application, ( in which I did not see ). I've never heard that a company has a service available to its consumers that you can only apply upon opening an account. This is why i paid off & closed the Destiny Card account & I'm trying to pay off this account so that i can close this one too, because this company is NOT in business to help their consumers in ANY way ... ... PLEASE HELP!
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of XXXX something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Transunion doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Approximately 45 days I contacted XXXX of XXXX to purchase a XXXX XXXX XXXX XXXX XXXX for my business XXXX XXXX XXXX. I explicitly communicated to the sales person and the Finance Manager that the sole purpose of the transaction was to obtain financing for the vehicle under my corporate profile to further establish my corporate credit by adding a secured trade line that would report to the various credit repositories. Almost a month passed by when I realized that my trade in ( XXXX XXXX XXXX ) had not been paid off. The new finance manger told me that the previous finance manager had forgotten to get several signatures on the contract and needed me to come in and sign the missed signature blocks. I agreed to come in and execute the documents. XXXX weeks later I realized my vehicle had still not been paid off and I was in jeopardy of my existing lien holder marking me 30 days late with all XXXX credit bureaus which caused me to have to make an additional auto payment on top of the $ XXXX down payment made for the purchase of the new vehicle. On XX/XX/XXXX I received a notification from XXXX and XXXX that a new auto loan in the amount of $ XXXX was now reporting on my personal credit report which lowered my personal credit score from a XXXX to a XXXX instantly. In the end I was charged over XXXX % interest for a vehicle that was intended to be in the name of my corporation for no reason. I agreed to the higher rate only to accomplish the loan being funded through my corporation. I have suffered financial damage both interest rate wise and credit score wise due to bait and switch tactics as a result of unfair, deceptive and abuse tactics of this dealership. I contacted the General Manager two times with no response. In addition I contacted the new finance manager who was extremely condescending, unprofessional and disrespectfully combative when I attempted to seek resolution.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

About 2 hours ago I received 5 emails from Bank of America that an account was opened under my name. I called them and they did confirm it and they used my social security number. They provided my email as well. Bank of America has put the account on hold and is working on closing the account.
Consumer complaint received 2022-12-01
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: Avant Holding Company, Inc. (ID)

My avant card was stolen and used in another state. When I became aware of this I reported the fraud to avant and opened billing disputes on the fraudulent charges. avant closed the stolen card and sent a new one. avant requested a follow up call with me in which I responded as requested and provided the information I had at the time. I was credited a security credit but in retaliation for filing a dispute avant reduced my credit limit from XXXX to XXXX under the guise of an account revaluation. I know this to be true as the only thing that had changed with my credit profile at the time was the dispute - as a matter of fact my credit score actually increased between the time I was approved for the card and when my limit was lowered. Now to make matters worse I have been recharged for the fraudulent charges. So avant not only lowered my limit in a retaliatory fashion but is now also holding me responsible for fraudulent charges made to my account. avant has not communicated with me voluntarily as is their regulatory duty and avant has violated my rights in numerous ways under the Fair Credit Billing Act. Avant does not care about their customers, customer rights, or investigating in good faith. 
On XX/XX/30 tge investigation team reached out and asked I file a police report. I returned the report tge same day. Have not heard anything else.
Consumer complaint received 2022-12-01
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. (AZ)

Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX  XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE ACCOUNTS
Consumer complaint received 2022-12-01
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.