davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMIsSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK (TX)

A loan of {$9300.00} from XXXX XXXX XXXX appeared on my Discover Alert. contacted discover and found out it was activated and multiple loans were taken under my name and ssn. Found out my uncle with the same name has a loan with XXXX WITH MATCHING RECORDS FROM THE DISCOVER REPORT. please contact at XXXX for further follow ups.
Consumer complaint received 2023-10-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: OneMain Finance Corporation (CA)

On XX/XX/XXXX I received a bill from A company named XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they bought this loan from American General. I took out a loan from American General in XXXX or XXXX. I havent heard anything from American General since XXXX, so I was under the impression that the loan was charged off. Upon speaking with XXXX XXXX XXXX they said that they bought the loan from American General. XXXX XXXX XXXX is saying that we have a outstanding principal of {$80000.00} and the total amount due is XXXX, they are also threatening to take my property. There is now a lien on my property and foreclosure activity.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( 1 ). Remove the debt above from all three credit bureaus within 10days of payment. ( 2 ). Send me a letter stating that the account above will be deleted. ( 3 ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP (NY)

Pressler , Felt & Warshaw , LLP, Representing XXXX XXXX XXXX had filed a suit against me regarding 2 accounts they claim i owe. I communicated with the with a refusal to pay and to close all accounts as they are clearly violating my consumer protective rights. Pressler , Felt & Warshaw , LLP has not closed these accounts after their suit against me has been dismissed. CASE INDEX NUMBER # XXXX. XXXX XXXX XXXX XXXX. This case has been dismissed and should be closed down. The debt statute of limitations has expired in XXXX according to the CCFA the statute of limitations on collecting a debt is 3 years and I have refused to pay any amount on the debt. these violations will not go unnoticed. This account is no longer collectible and the judge has made the decision on dismissal.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank has sent evidence of accounts with the purpose of transfering IRAs This is also not recognized as a valid account established by myself. The IRA is not one I have been informed of.The company is stating an agreement must be completed by me but also is the listed bank affiliated with PayPal Corporation.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have submitted several requests online and in writing- some even certified mail to all three major bureaus to please stop reporting erroneous items on my credit report. These errors include : - reports displaying incorrect versions of my name- please stop reporting addresses where I have never resided. I have provided copies of my government issued I.D . in attachment to the request with no success. 
- XX/XX/2022 I requested debt collectors reporting a balance to provide evidence in writing. ( by law they have to remove the account if they can not provide proof- and it has not been provided yet the account ( s ) still report negatively. ) XXXX I requested validation from another debt collector, and it is now XX/XX/2022 and it has not been validated. However, the account remains and reports negatively against - aiding me in getting declined for housing. 
XXXX I requested a credit card company to validate a debt. They have not and are also still reporting said debt. 

All of these items are having substantial derogatory impact on my credit score yet no one will act according to the Fair Credit Reporting Act.
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (AZ)

Quicken Loans DISCRIMINATION against XXXX XXXX Veterans continues ... 
XXXX XXXX Bank Mortgage was transferred to Quicken Loans in XXXX ; Since then, Quicken has failed to comply with Regulatory Laws. I Filed several complaints with Quicken who failed to resolve or ignored problems. 
1. XXXX, received Check ( XXXX ) for {$120.00} after XXXX merger that 's worthless. 
2. Denied Refinance 30 yr ARM to 15 yr Fixed Mortgage since XX/XX/XXXX-present. Quicken Mortgage Manager informed me to refinance with other Mortgage companies after Quicken DENIED the Refinance of loan because it was n't within the best INTEREST ( % ) of Quicken. 
3. Denied access to 'My Quicken ' account online website for Tax statements, Paperless documents, or resolving the on-going problem since XXXX and current problem since XXXX. Quicken DENIES access to MY QUICKEN Account to STOP ME from submitting messages ; to clarify, If I ca n't access the account then I ca n't complain about the Bad Service or DISCRIMINATION. 
4. Quicken last email message was on XXXX XXXX XXXX ; response to refinancing that Quicken DENIED without explanation ... DISCRIMINATION. 
5. called Customer Service who CA N'T find my file and REFUSES to resolve problem. 
#. Quicken ADMITS to DISCRIMINATION against XXXX VETERAN ... Denies Discrimination, then continues items XXXX. Quicken Corporate REFUSES to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX XXXX Veteran with an XXXX XXXX Surname ( XXXX )
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I applied for a XXXXXXXX XXXX XXXX on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my Securities is Securities fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (MI)

Experian Consumer Assistance XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Written Instruction Pursuant to 15 USC 1681b ( 2 ) Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to address a matter concerning the furnishing of a consumer report without my explicit permission. Pursuant to the provisions outlined in 15 USC 1681b ( 2 ), I hereby request that you provide me with a written instruction, if any, that I have on file granting you consent to furnish a consumer report on my behalf. This request is made in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never given Experian consent to furnish a consumer report about me in the first place. As such, I believe that your actions may be in violation of federal law. I kindly request that you promptly provide me with the aforementioned written instruction, if it exists, to substantiate your right to furnish a report on my behalf. 

Failure to provide the requested documentation will leave me no choice but to pursue legal action against Experian for noncompliance with federal law. I will not hesitate to file a complaint in federal court and seek appropriate remedies. Additionally, I will consult with legal counsel immediately to ensure that my rights are protected throughout this process. 

Furthermore, I demand that the entire consumer report pertaining to my personal information be expunged from your database if my consent can not be substantiated by a valid written instruction. This includes any and all associated data, as well as any information derived from the consumer report. I expect full compliance with this request within the timeframe specified by applicable laws and regulations. 

Should this matter remain unresolved, I will provide you with an affidavit of truth and an invoice for the inconveniences caused by your noncompliance with federal law. I trust that it will not come to this, as I believe Experian values its reputation as a responsible and law-abiding credit reporting agency. 

I appreciate your attention to this matter and expect a timely response within [ number of days, normally 30 days ] from the receipt of this letter. Please address all correspondences related to this matter to the address provided above or via email at XXXX. 

Thank you for your prompt assistance in rectifying this situation. I hope we can resolve this matter amicably. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-18
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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.
Consumer complaint received 2023-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, I was contacted by XXXX customer service, well what I thought was XXXX Customer Service, which turned out to be a scammer. According to this person, there were unknown charges on my Capital One Credit Card account. When I called the credit card company, there was no record of any unknown charges. In addition, I have also filed a report with the FTC regarding this situation. 

The scammer told me that in order to stop my XXXX account from being compromised, that I had to go to stores and purchase gift cards from XXXX, XXXX, XXXX, and XXXX. Unknowingly, I followed suit and then after the fact, realized that I have fallen a victim of a scam. I immediately contacted Capital One and explained the situation and that I would like to have all charges disputed. Capital One followed suit and disputed all charges. 

Fast forward to XX/XX/XXXX, Capital One sends me a letter stating that XXXX has denied my dispute for {$450.00}. They have stated that there is nothing that can be done. 

I also worry that I will be responsible for the other charges that were made from the other merchants.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This account was dispute due to inaccurate information provided by a representative and a failure to apply a forbearance in XX/XX/2023. It was forward to their consumer advocate depart and determined it was an error on XXXX. The error was corrected on my credit report and I was sent a letter advising the investigation and reporting correction. It was updated as of XX/XX/2023 and reported 90 days past due again on XX/XX/2023.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am filing a formal complaint against Equifax and XXXX for their repeated failure to address multiple fraudulent entries and inaccuracies in my credit reports. As a victim of identity theft and human trafficking, numerous fraudulent accounts have been opened in my name without my authorization, severely damaging my creditworthiness and financial stability. 
Despite numerous requests, both Equifax and XXXX have neglected to remove the fraudulent accounts and an incorrect public record from my credit files. Their refusal to correct these inaccuracies is a blatant violation of federal law, specifically multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Act, which mandate prompt action to protect victims of trafficking and identity theft. 

FCRA Violations : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax and XXXX are legally required to block fraudulent information upon notification of my status as a victim of identity theft. They have failed to block this information, keeping fraudulent entries in my file in direct violation of the law. 

Section 609 ( 15 U.S. Code 1681g ) : Both agencies have failed to provide accurate and complete disclosure of all information in my file, as required by law. This is evidenced by the continued presence of unauthorized accounts and public records in my credit report.

Section 611 ( 15 U.S. Code 1681i ) : Neither Equifax nor XXXX have conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period, demonstrating a failure to comply with this section of the FCRA. 

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Both bureaus have failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit information, continuing to report fraudulent and damaging information. 

Debt Bondage Act Compliance : Under the Debt Bondage Act, both Equifax and XXXX are legally obligated to block any fraudulent information within four days of receiving notice that the information is related to human trafficking or identity theft. I have provided the necessary documentation of my status as a trafficking survivor, and I expect full compliance with this legal requirement.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (NY)

After my mother passed away in XXXX, I established an estate, which was formalized in XXXX. At that time, I sent all the estate information to XXXX XXXX XXXX. The loan was transferred to Fay Servicing in XXXX, and I provided them with the same documents. I have owned the home with my mother for XXXX years, and up until now, I was able to communicate effectively with the mortgage company. However, I have repeatedly tried to communicate with Fay Servicing, and they refuse to provide me with any information about the mortgage. I have sent the death certificate several times, but each time I call, I receive the same response. On XX/XX/XXXX, I mailed a certified letter with return receipt, including a payment of {$260000.00} to Fay Servicing to settle the account. In my letter of instruction, I requested that if my payment was not going to be applied to the account, it should be returned to me. Fay Servicing neither returned my payment nor applied it to the account as instructed. In XX/XX/XXXX, I hired a title company to conduct a title audit of the documents associated with my mother 's mortgage. The examiner discovered title fraud, forgery, and theft. I will be reporting them to all the proper agencies.
Consumer complaint received 2023-08-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (UT)

I called initially a few months ago and paid the account in full and requested it be closed I've continued to received bills and multiple credit statements, even after calling multiple times to close the account and being confirmed it was now closed. They continually reopen it without my knowledge or consent, and charge me fees.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

To whom it may concern Citi bank blocked my account after I transferred my money from my XXXX XXXX  savings account to citibank checking account number XXXX they are not giving my funds stating i will receive them after XXXXdays they cant do that without any reason and holding my money that i have to use for my living they not responding just saying you will receive funds in XXXX  days. Nobodys helping me i demand consumer finance to escalate this case so i can get my funds i talked to citi executive respond unit name was XXXX Tel. XXXX Citi Reference Number : XXXX Nobodya helping me all they stating we have the right to terminate services as i understand but they cant hold my funds for 60 days