davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
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)

XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX Equifax XXXX. XXXX  XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. Please help.
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX XX/XX/ 2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX App hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. 

On XXXX XX/XX/ 2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. 

I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I was contacted about a debt owed to an apartment complex I never lived in. I contacted the apartment complex and the manager verified that the debt is not mine. I contacted the collection agency and they were informed by the apartment complex that the debt is not mine but they have not taken the debt off my credit reports and are still trying to collect for it.
Consumer complaint received 2019-02-27
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. (TX)

On XX/XX/XXXX and after I have been unable to get my credit report and score from EQUIFAX. XXXX XXXX, XXXX and XXXX XXXX were all unable to pull my EQUIFAX report and score. I found this odd as it was working on the XXXX and before. I was pulling the report to see if an account had been update when I noticed the issue with my EQUIAX report. 

When I called EQUIFAX directly I was originally told there was an issue with their computer system over the weekend and to call back or try the next day. The agent also tried to pull my report on his end and was unable. The next day I called again and was told after reaching a US rep that it may be because I had a fraud alert on my file. The alert was 10 years old and I had never had an issue getting my report or score with it on there. The agent reached out to the backend people and had the alert removed after verifying my info. She told me that was more than likely the issue and to try in 15 minutes or the next day. The next day I tried again and still there were errors with pulling the report. I tried again through XXXX, XXXX XXXX and Equifax directly. I was getting multiple error codes ( Eval Code : - Status Code : FL, Reason Code : TF ) but was being told there was still nothing in my file that would prevent anyone from pulling my report. The agent said he could see my report and could mail me a copy. The call ended with him telling me there was nothing wrong with my file even though I was getting errors from EQUIFAX directly since that is who I was working with. 

We are roughly 3 months from finishing a home build and really needed to be able to access my credit report to see where my report was so there would be no surprises. The lack of care or effort for a company like EQUIFAX to fix this when its such an important part of someones life is completely unacceptable for a company to do and is borderline criminal in the neglect they have for such information. I need EQUIFAX to actually fix and acknowledge the issue instead of passing me off to a different department and claiming there is not an issue. This as of now will prevent me from obtaining the home loan we need until the issue is fixed.
Consumer complaint received 2017-06-18
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. (LA)

I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing a complaint against Transunion and XXXX for misreporting credit as income, which I believe violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Fair Credit Reporting Act ( FCRA ) Section 607 of the FCRA mandates that credit reporting agencies and companies must report accurate and complete information. By including credit as income, the company is providing inaccurate information, violating my rights under the FCRA. 

Truth in Lending Act ( TILA ) Under TILA, financial institutions are required to provide clear and accurate disclosures to consumers. Reporting credit as income violates this principle because it misrepresents my true financial situation to potential creditors. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Under Dodd-Frank Wall Street Reform and Consumer Protection Act, which created the CFPB, it is prohibited for companies to engage in unfair or deceptive practices. Misreporting credit as income is a deceptive practice that can mislead lenders and harm consumers. 

Under IRS Tax Code, specifically Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), canceled debt is generally considered taxable income. However, this does not mean that canceled debt should be classified as income in the context of a credit report.

Form 1099-C : When a creditor cancels {$600.00} or more of debt, they are required to file a 1099-C with the IRS, and the canceled amount may be reported as income for tax purposes.

IRS Form 1099-C ( Cancellation of Debt ) : The 1099-C reports canceled debt as income for tax filing purposes, but it is not actual income ( i.e., wages or earnings ). It is treated as income for tax calculation but is not reflective of the consumers regular income stream for creditworthiness purposes.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Documents were sent to Bank of America on XXXX XXXX, 2016 for a request for a modification review of the Making Home Affordable Program. 
When a call was placed to the Bank of America on XXXX/XXXX/2016, XXXX at BOA stated all docs were in and nothing need at this time. She also advised that the file was moving to underwriting for a decision. 
Another call was placed on XXXX/XXXX/2016 to BOA where a representative named XXXX XXXX proceeded to go over requested documents from XX/XX/XXXX. After she was advised that documents were sent in on XXXX XXXX, 2016, she stated that a review of those documents had not taken place yet. No documentation were sent about missing documents to complete a review. The documents have just sat in the possession of Bank of America with no action. 
Per the regulations of PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) 1024.41 Loss mitigation procedures. Per the regulations of Regulation X the lender is required to review the documentation as long as it is received 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete ; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. 
They are not following the appropriate procedures of a loss mitigation review.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an XXXX signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

Loan XXXX I was behind on my mortgage for 1 month but I made arrangements to pay back the monies owed to escrow in 5 extra monthly installments in addition to my mortgage. I have made three of these extra payments but my credit report score has dropped about 80 to 100 points as of XX/XX/2019. If I am now current and paying back why was me credit score effected so much? O am current with this first lien mortgage and current on all my other credit accounts.
Consumer complaint received 2019-02-27
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)

This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Prior to XX/XX/2019, XXXX put an unauthorized transaction thru my account. My bank reversed it. On XX/XX/2019 I went and gave them a letter of revocation of ACH/Debits/Checks..and they refused to accept it. They said they don't have to revoke authorization. 

Today another XXXX transaction hit my bank account. My bank will return the item but they need an understanding of revocation of ACH. They don't feel they have to honor it.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AC AutoPay LLC, Denver, CO Branch (MO)

I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called AC AUTO LLC to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called AC AUTO LLC to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by AC AUTO LLC. Almost two years later Ac AUTO LLC reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named XXXX XXXX XXXX showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from AC AUTO LLC and it was over the XXXX  in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Acct number : XXXX Manager : XXXX XXXX XXXX XXXX XXXX XXXX Black vin- XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with AC AUTO LLC.
Consumer complaint received 2019-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report. On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

Initially called XX/XX/22 to close the account due to being unable to do so through app. On the application it stated that I owed a balance of {$0.00} on the payday loan but still could not close account. I called 2 more times until the company admitted it was an application error they were aware of on XX/XX/22. They have been charging me a membership fee of {$19.00} per month for 7 months. The account shows in collections when the payday loan I obtained through the MoneyLion Application has been paid off for some time. They are unwilling to refund me more than 2 months and have falsely reported money owed on my credit.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer.