davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXXXXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX : {$4100.00}.
Consumer complaint received 2020-03-13
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. (NY)

I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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 XXXX | Account Reference # : XXXX | Account Name : XXXX XXXX XXXX XXXX XXXX | Account Reference # : XXXX | ( This account is paid in full ) has violated my rights. 

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 : A consumer reporting agency can not a account with out my written instructions 15. U.S.C 1681c. ( a ) ( 5 ) Section Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse Items 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}
Consumer complaint received 2023-11-22
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Friday XX/XX/2020 my cash app account was locked again do to false accusations of suspicious activity that was not committed I simply tried to add money from my bank account to my cash to pay a bill that is due I dont understand why cash app continuously locks my account for no reason.
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (FL)

I have new and updated information concerning Equifax. I have previously complained of Equifax 's illegal conduct under ID # s XXXX ; XXXX ; and XXXX. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax continues to use excuses such as it can not verify my identity. However, I have included proper identification in my correspondence to Equifax. Equifax is in violation of my rights as a federally protected consumer
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/19 our home had caught on fire. We submitted a claim to our insurance provider the next day. They did their appraisal and sent a check. we did our research and selected a wonderful contractor. 

We had to send our check off to Mortgage company to get check endorsed. They use a company called XXXX. They keep making us jump through hoops, and provide a different excuse every time we call on why they haven't released funds. 
They are now trying to make our contractor get bonded for the job. The cost for a bond is more than the contractor would make on the job. 

We are now 3 months in and no work has been done on our home. 

When I pulled up XXXX 's reviews online, there are hundreds of reviews just like mine. 

PLEAS HELP
Consumer complaint received 2018-09-08
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: EQUIFAX, INC. (MD)

I filed a dispute about 3 accounts ( paid medical bills ) online with Equifax XX/XX/2018. 2 days later I received a notice that my credit score decreased by 47 points from XXXX as of XX/XX/18 to XXXX XX/XX/18 even thought the accounts total of 4 collections were removed from my credit file. As of XX/XX/18 my Equifax score is XXXX. XXXX & XXXX are both XXXX. Nothing else changed on my credit report to cause the score decrease. There's been nothing but improvements to my credit file. I filed the same dispute with the other two bureau 's, XXXX & XXXX, they removed the accounts and both of my scores increased by 10 points as a result. This same has happened to others as I am seeing complains on a XXXX XXXX form.
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I left the country and moved to XXXX in XXXX. I visited the local Citi branch and changed my address to my XXXX address to receive my monthly bills. I was unaware that my card was being unpaid as I did not receive any of the mail. I have never been late in paying the card or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. Late reports were listed on XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (MT)

OnXX/XX/2020 I was researching if I should refinance my current mortgage loan. After seeing a company named Figure beat other rates by .5 %, I decided to attempt a pre-qualification for mortgage refinance. My first attempt resulted in a response that my XXXX  Credit File was frozen and Figure recommended that I un-freeze my XXXX  file and try again. I took the necessary steps and got a pre-qualification offer that I was satisfied with. 

The next step in this application was to enter more information about my assets and agree to a hard inquiry to get my final offer. I was soon given a response that I was declined and an adverse action letter created. I read this letter and came to find out that I was declined for a credit obligation delinquency and collateral for loan not sufficient. At the bottom of this adverse action letter I was given my credit score which was over 800 and the date that my report was pulled ( XX/XX/XXXX ). I immediately questioned Figure that my credit score couldn't be that high if I had a delinquency on file and encouraged them to review this response. Next it was explained to me that the actual reason for my decline was because my other credit reports were frozen. My response to Figure is that frozen credit reason was on the other side of the spectrum from a credit stand point and the adverse action letter they sent me had misinformation. 

The next step in this process was me asking Figure to consider manually underwriting my application to which they responded for me to unfreeze my credit report and try again. I unfroze my credit at the other bureaus and went through the credit process I outlined above again with the same results. After questioning the same adverse action letter I also asked if this was a hard inquiry each time to which I was told no, only soft inquires were hitting my credit report. I asked Figure to review what happened and a week later, it was explained that my application was " re-ran '' with the same results. 

Finally I was notified by my Credit Monitoring app that there were changes to my credit report. I quickly discovered that two inquires were registered from this refinance process. The one was on the XXXX and I expect that because I hit submit fully knowing that I was giving them permission. What I didn't expect was for another hard inquiry on the XXXX of XXXX that was the result of Figure re-running my application. I feel like this was a misstep on Figures part and when I reached out about the multiple inquires, I was told that the bureau considers inquiries that close in time as one inquiry but that they weren't sure about that. 

All of this to only come to the decision I received when I first applied for this mortgage product. I was left angry and very displeased with Figure 's answers/process to my credit application. I have not had any contact from Figure since XX/XX/XXXX and don't plan to ever do business with them even with their competitive rates.
Consumer complaint received 2020-03-13
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. (CA)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$850.00} on the XXXX XXXX XXXX XXXX  original creditor XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Several years ago I had a XXXX account. I followed the cancellation policy outlined by XXXX and the representative I spoke with assured me the account was in fact closed and in good standing. I did not receive any documentation from XXXX indicating that this account was in jeopardy. XXXX, even after the account was closed, continued to charge fees. I was not aware that this account had gone to collections until I obtained a copy of my most recent credit report. This account has no outstanding balance and therefore should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is reporting a paid collection as open and as well on the attached documents they are showing to be a factoring company on the debt. The debt was paid on XX/XX/2018 in the amount t of XXXX was debited from my checking account. See attached documents.
Consumer complaint received 2020-03-13
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. (OH)

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX  TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX
Consumer complaint received 2020-03-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XX/XX/2020 I disputed with XXXX, XXXX, and Transunion about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XX/XX/2020 I disputed with XXXX  and Transunion XXXX  about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra
Consumer complaint received 2020-03-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (OK)

XX/XX/20 they have called 6 times XX/XX/20 they called three times and I advised them a payment would be made on XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called one time and I advised I would make a payment XX/XX/20 XX/XX/20 they called 5 times XX/XX/20 they called 2 times XX/XX/20 they called 4 times
Consumer complaint received 2020-03-13
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. (FL)

XXXX ; XXXX and Transunion  are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA CONFIRMS {$340.00} New Purchases XX/XX/XXXX ARE VALID CREDIT REVERSALS OF CREDITS DEPOSITED. see Fraud Letters XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXXattatched. SEE Attatched XX/XX/XXXX STATEMENT CREDITS are {$210.00} XXXX {$120.00} XXXX   XXXX.Total CREDITS PERIOD {$340.00}.!!! 
( ** KINDLY NOTE XXXX XXXX {$120.00} IS NOT INCLUDED IN {$470.00} FRAUD CLAIM DATE XX/XX/XXXX I REPORTED. ** ) USAA CREDITS ARE INTERNAL ILLUSIONS THEY DO NOT EXSIST. 
There are NO USAA CREDITS TO STEAL.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (SC)

I applied for a credit card at XXXX XXXX. I was declined at the store to get a card. I received a letter from XXXX XXXX  stating that the reason they were unable to approve my request is that " Credit bureau reports applicant is deceased '' by Sagestream , LLC. 

I am very much not dead and don't know how to go about fixing this with them. They have not responded to me. 

Thank you for your time. 

XXXX XXXX
Consumer complaint received 2020-03-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chaos Home Loans LLC (MI)

On XX/XX/2020 XXXX called me and inquiring how my VA loan was going. I thought he was from my employer. So, I realized he was not from my employer after already giving him my social security number and birthdate as well as my husbands. I told him I was not interested in applying for a loan as I misunderstood who he was and that I would obviously originate a loan with my employer instead of them. I told him to make sure all information about my husband and myself be deleted. On XX/XX/2020, after talking with my husband, I called XXXX at the phone number shown on my recent phone calls : XXXX XXXX MI. I asked what the name of the company was and the NMLS #. A XXXX XXXX said it was XXXX XXXX  XXXX  and hung up when I asked the NMLS #. I called again and they said the company name was Chaos Home Loans. Then I would have to wait for a call back from their loan officer. I left another phone message to call me and have not received an answer.
Consumer complaint received 2020-03-13
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: DISCOVER BANK (FL)

Reviewed credit report in XX/XX/2019 and found a Discover Credit Card was opened using my personal information. Contacted credit bureaus to remove information and was denied due to verification from creditor. No evidence of verification was produced. Contacted Discover Financial directly and they are refusing to close account and remove from credit reports. I have requested numerous times to produce evidence and no evidence has been given showing the account belongs to me. I filed a police report, a complaint with the FTC and complaint with IC3 and  mailed all the complaints along with a letter and verification information ( License, social security card and current bill ) to both credit bureaus and creditor and the account still has not been removed.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I paid for a product to be provided to me through XXXX  XXXX  of {$900.00} on XX/XX/20. The person said that they needed more money in order to provide the services I was paying for. It was many excuses given that didnt add up so I knew it was a scam. Asked for my money back they wouldnt give it to me and blocked me from communicating. XXXX  XXXX  said once money is transferred to the members bank they cant get the money back so I disputed charges with my bank Suntrust who Ive been with since XXXX/XXXX  and they denied my claim and have been very inconsiderate to help me get my money back.