davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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. (AZ)

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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act XXXX, equifax, XXXX have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (CA)

My employer performed a background check via the company XXXX during XX/XX/2023. XXXX incorrectly flagged a XXXX in my criminal history, presumably due to XXXX court records for someone with the same name. When I submitted a dispute with their support team, they responded that they'd " confirmed the accuracy of their report ''. I followed up requesting assistance for further dispute and how to provide evidence that the criminal history was not mine, they did not respond. They also did not respond to my followup email. I attempted multiple times to contact their support team via phone, but was left on hold for 3 hours before being automatically disconnected.
Consumer complaint received 2023-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WA)

Like many we had job losses during the pandemic. We requested forbearance with our mortgage company XXXX XXXX. We were approved for that. Our loan was then sold to Mr. Cooper fall of XXXX. We reached to Mr. Cooper about a modification to our loan as we are not financially able to pay a lump sum at this time. 

Starting this year, XXXX... We signed papers saying we would make 3 trial period payments and if we did that, they would move forward with the modification. Our first trial payment was XX/XX/XXXX, then XX/XX/XXXX XXXX XX/XX/XXXX. We made all those payments as requested. 

After XXXX, we heard nothing! No email correspondence, nothing sent by mail, no phone calls XXXX nothing about what to do next on our online account. We reached out to Mr. Cooper as we were concerned about how to make our XX/XX/XXXX payment. The person who answered the phone there said they were still in the process of booking the modification and she could take our payment. She said the booking should be done soon. 

Then we came to XX/XX/XXXX and still... .we have heard nothing! No calls, no emails etc. So again, we called XX/XX/XXXX to inquire. Again-we were told they are still booking the modification and they could take our XXXX payment. 

Then we received a call XX/XX/XXXX saying we needed to make another payment??? 
I asked to speak to a supervisor as we had already made a XXXX payment and thus there was no one to help. The person on the phone from Mr. Cooper said we HAD to make another payment to start the booking of the modification. This made no sense to us as to why we were having to make a 2nd payment in the same month. 

Today is XX/XX/XXXX and we were told a supervisor would be in contact with us to help us, and we have received no such call. Also, looking at our account online it does not show any information except that we owe a lump sum of money. No information as to why we still have no modification completed, no calls from them.
Consumer complaint received 2023-06-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (ND)

On XX/XX/2023 @ XXXX XXXX  I purchased 2 money orders amount of {$1000.00} from XXXX address : XXXX. ( WESTERN UNION MONEY ORDERS ) XXXX XXXXXXXX XXXX XXXX. 
XXXX, ND. XXXX XXXX week later we lost our money orders due to weather incidents on our vacation. Money orders were blank and have positively not been cashed or stolen as my family and myself witnessed with our own eyes the money orders flying in water at a lake resort, for sure % 100 they are not in any way shape or form salvageable to be cashed. With that said, I do have the receipt in that I purchased them from at XXXX XXXX XXXX XXXX XXXX department. Also, may I add I purchased them with my XXXX bank card.. 
9 days after purchasing both money orders I filed 2 money order refund/ tracking claims through western unions website attaching copies of original receipt with serial numbers. This is the Reference icare claim number I was given @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I tried to log into TransUnion to dispute personal information as well as old creditors And I can't log on to the website. So after entering my personal information on the phone with " XXXX  '', I was transferred to a " Live '' " person '' ( who couldn't speak American English too well ), and after giving my personal information " again '' a second time, the representative told me she sent me and email to my email address with a temporary password to get into the account. She said it could take up to ten minutes to receive the email password, but I never did receive the email. I even " tried '' to " create a new account '', but when I entered all the information as before except with a new email address, I got a notice saying an account already existed with that ( But how? I didn't create it ), ( But I still can't get into it ). So I called back and went through the same process again for verification, and spoke with another person ( who could not speak English too well ), and when I ask to speak to someone I could understand better about my credit report locked out, the representative hung up on me. as of todays date, I still have not been able to get into the account ( and haven't for quite a few years now ), and I have a " Right '' to get into the account to update incorrect information that is hurting my credit portfolio. I am a victim of credit fraud and identity theft since 2016 or so and I need to get into the account to change some inaccurate information. I had no problems changing it with XXXX or XXXX. I have been waiting for the email containing the temp password to no avail. HOw am I suppose to speak to someone about my credit report, logging in to transUnion online Service Center when none can speak English and they hand up on you when you ask to speak to a supervisor? Also, I Never received an authentication code to reset my password, never received email, nothing ... ... ( See attachments ). IT is very frustrating to say the least ... .It 's like they are deliberately lying to me ( for whatever reason ( s ) and trying to prevent me ( an American citizen ) from trying to exercise my right to update/correct incorrect information in my credit report that I have a right to do under the FCRA. I am prepared to file a cause of action against TRansUnion in XXXX XXXX XXXX XXXX in the " Near '' future ( within XXXX ) if the problem isn't addressed and resolved. I have contacted my attorneys to ( XXXX XXXX XXXX XXXX XXXX to wit ). I will be filing a cause of action against " ALL '' involved, who are responsible, in their official capacities " and '' individual capacities for right violations and for other causes as well that is appropriate under the circumstances. They have both my emails on file with the account, XXXX and XXXX XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I made or authorized. I am writing to dispute an item in my credit report. The following account is not mine and should be removed from my credit report. The account was open XX/XX/2011. Balance is {$5800.00}.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (WI)

I received a new hard pull credit inquiry from a company called XXXX XXXX, on my transunion report. Date of Inquiry was XX/XX/2023. I never made an inquiry to this company for credit of any type and have never done buisiness with them. 

When contacted on XX/XX/2023, the company said that I must have applied for a loan, and then refused to delete the inquiry. Transunion refused to delete the incorrect information from my account when I contacted them by phone on XX/XX/2023, and referred me back to the original company that made the inquiry without my permission. 

I never applied for credit from this company, and never authorized them to check my credit for that purpose. I would like this inquiry deleted.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (SC)

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report XXXX
Consumer complaint received 2023-05-01
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. (NY)

in accordance with the Fair Credit Reporting Act this creditor XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-01
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2023-06-11
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: STATE EMPLOYEES CREDIT UNION (NC)

I filed a credit card dispute with my credit card In XXXX, which I thought was resolved. My credit card reversed the charge of {$220.00} back to my account on XXXX disagree with their decision. I filed a dispute in XXXX for services not rendered with the merchant XXXX XXXX  ..Upon arrival at the resort on XX/XX/2023 at XXXX XXXX.the check-in building was nasty and disgusting so We asked to check-in for the XXXX XXXX .The front desk girl, said this is the check-in for the XXXX which was a glasstower resort nextdoor. but she said we sold that building years ago and you're staying here... I said, we booked for the glass towers... which come to find out was false advertising and ... she said this is a timeshare building, so I asked to see a unit, and she pretended to look through a list and said nothing was available and I could see it when we check in at XXXX..we left and I cancelled the reservation..first of all a timeshare unit is always available for showing..We rode around over 2 hours to find another resort, which was aggravating. On the following week I filed a complaint with my credit card company..NC State Employees Credit Union ... they reversed the charge finally, but now after the merchant responded with a lie and said I never showed up they reversed the charge on XXXX XXXX... Which I disagree with my credit card company stated I would have to present proof of me cancelling the reservation, which they had that in writing from the merchant. Now my credit card company is saying it's hard to win a Quality dispute... this is ridiculous ..We didn't stay in that disgusting building and I want my money back.
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lawson Hamilton & Associates (CA)

I have a growing debt from Lawson Hamilton & Associates that says it's originally from XXXX XXXX XXXX XXXX. I have reached out to this company multiple times though email and through disputes to get this off my record. This is a medical debt that I incurred while fighting for my life in the emergency room and my medical insurance covered all of it. I have been fighting with them for years now to get it removed and they continue to simply increase the amount and hound me with calls or letters. I have been homeless on and off for about a year and I can't get my head above water due to a simple medical debt that was covered by my insurance. As of right now I have a XXXX balance due for an account that should have never even been on my report to begin with since it was covered by my insurance.
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OR)

Someone stole my debit card and used purchases. I couldnt access account as phone was broke and online didnt have where could disable card. I was able to change pin that stopped new purchases although the thief had card to an account he kept using. He spent {$800.00} before I got new phone to use the CashApp app to cancel card. The CashApp debit card did get refunded for some of charges. Yet they saying I authorized what I didnt authorized. I am contacting the merchant and they keep having me fill out this detail sheet and nothing changing as they asked me to fill out detail sheet about three times. I cant call and explain to either company for they seem not to have anyone to speak with on this issue. 

Here are all transactions of fraud to my account. 

XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$59.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$13.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$19.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$54.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$26.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$18.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$9.00}. 
XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$3.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$10.00} If you could help recover stole funds, that be so helpful.
Consumer complaint received 2023-05-01
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. (OR)

I have been unable to get my Equifax score or updated report online for almost a year. Whenever I try to log in I get an error message of code XXXX  and I am instructed to call Equifax customer service to resolve this. i have tried multiple times to get this fixed and I'm told it is an internal problem and it will be fixed in 10 business days. that has happened multiple times. Other credit reporting agencies also can not get my updated score or history, so they are still reporting my old score from XX/XX/2022. I have had multiple credit applications denied because companies can not get accurate information from Equifax. 
i previously issued a complaint and Equifax said they fixed it, but nothing has changed and the problem still persists.
Consumer complaint received 2023-06-11
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)

HI 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.