davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Man yall need to do an Investigation on ALL the Credit Companies.it should be a class action lawsuit for, shady practices, negligence and damages to credit scores I have 3 account thats havent been updated!!!! But the one I want to make a request for is XXXX XXXX, Its paid in FULL and closedthe statement date came and went and no updates yet? On ANY site lbs Matter of fact I have a XXXX balance on 2 accounts that have not been update on ANY credit companys website..Can You Say LAWSUIT? I want you all to see this, I know I'm not the only one suffering, CFPB step and and help, please this most definitely falls under illegal practices
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the past four months, I have contacted TransUnion three times with via certified mail and domestic return receipt. My purpose was to submit the necessary documents to verify my proof of address.

However, despite my efforts, I received a response from TransUnion stating that they did not receive the documents I sent for address verification.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (OK)

We want to sell our home through a credit qualifying assumption of our mortgage. We have called Nationstar Mortgage multiple times and they will not provide the fees associated with an assumption until we have a buyer. Their letter states that " Assumption fees, which will be disclosed on the Good Faith Estimate, will be assessed and are due at closing. '' How can I sell my home without knowing what the assumption fees are going to be? After an hour on the phone and talking with a supervisor they are only willing to provide with a guesstimate of {$2000.00} - stating that it will depend upon investor, servicer , county & state. They have all of this information now - why ca n't they provide me with a Loan Estimate or Good Faith Estimate? After being on the phone over an hour I was finally given 'some ' of the fees associated with an assumption. The only reason they gave me anything is I threated reporting them to the CFPB. If I were n't a Loan Officer and knew how to ask for the appropriate information I would never have received anything. I was verbally told that the fee is 1 % of the XXXX a {$20.00} credit report fee & {$100.00} doc prep fee along with applicable state & county charges. Why can they not prepare a LE to the seller?
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CT)

The credit bureau is causing conflict of interest because it is being paid to furnish debt on my credit bureau being unverified. Because they are being paid to furnish accounts monthly they are not accurately doing a full verifiaction of debt. I was never given the right to validate the debt before placing on my credit report and because of this im getting denied credit instead of approval. The wrong information is being submitted to creditors
Consumer complaint received 2024-10-18
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. (GA)

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2023-04-04
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-18
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. (NY)

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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 2023-11-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (KY)

DEBT RECOVERY SOLUTIONS is trying to collect a debt that was turned over to them from XXXX that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
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. (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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-18
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (TX)

I already tried contacting Square Cash To request a Cash Card and they refused to Send me a Replacement. 
I waited a week for a response, and they ended up telling me theyre unable to verify my Identity while they actually verifed my identity. 
I am a victim of Identity theft but When I ask for a replacement card They refused to even provide that to me in my new york address. 

Over and over I get a run around and now they refuse to even respond to my email. 
I am ready to file a Lawsuit due to Non compliant Issuance of a Cash Card.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-23
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. (NY)

I am writing to file a formal complaint against TransUnion regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted TransUnion to dispute the following inaccuracies, but to date, I have not received any response. The details of the disputed accounts and the necessary corrections are outlined below : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Please remove it from my credit report. 
XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Please remove it from my credit report. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Please remove it from my credit report. 
XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Original Creditor : XXXX XXXX XXXX Please remove it from my credit report. 
XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} Please remove it from my credit report.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am in the XXXX and was a tenant at XXXX XXXX apartments in XXXX, FL from XXXX. XXXX of XXXX I was notified of a short notice XXXX XXXX in support of XXXX XXXX in the XXXX XXXX. I provided a letter from my XXXX XXXXXXXX to the property management company informing them that I was going XXXX and needed to break my lease. The move out date I selected was XXXX. I moved out and cleared my residence with no issues on that day. Two weeks ago I received a debt collection on my credit report for just about $ XXXX. I contacted the management company via telephone and informed them that they needed to fix it immediately. The next day the debt collection reduced from $ XXXX down to roughly {$580.00}. I have since called the several numbers at the property management parent company at least 15 times and HAVE NOT been able to reach an actual person to resolve this issue. The price breakdown that I received from the debt collector showed that the {$580.00} is for rent from XXXX through XXXX. This is CLEARLY after i moved out. On XXXX XXXX I sent a copy of the XXXX XXXX that covers rent for military members to the debt collector. I have not received a reply. Last week i also sent an email request to the debt collector asking for a copy of the lease agreement. I have not received a reply to that email either.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MD)

On XX/XX/2023, I sent thru first class mail a Notice to XXXX XXXX, CFO of Block Inc, informing the CFO that by law all debt attached to my Cash App account is to be discharged and I am entitled to an unlimited balance in my Cash App account. A copy of the Notice is attached to this complaint. The CFO had an opportunity to respond to the Notice. The CFO willfully failed and refused to reply to the Notice.
Consumer complaint received 2023-04-18
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. (TX)

I am writing to request that you update my address on my credit report. I would like to include the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Additionally, I would like to request that you remove all other addresses from my report as they are not accurate or deliverable to me by the U.S Post Office. 

As you know, accurate and up-to-date information is crucial for my financial well-being, and I am committed to ensuring that my credit report reflects this. The address I am providing is my current and deliverable address, and I request that you update my credit report accordingly. 

Furthermore, I request that you remove all other addresses from my report that are not accurate or deliverable. This will ensure that my credit report is free from errors and up-to-date, which will help me in managing my credit and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Consumer complaint received 2023-10-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-23
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. (NY)

I am writing to formally dispute inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received any response from TransUnion regarding the following discrepancies : The account under the name XXXX ( Date Opened : XX/XX/XXXX, Balance : {$190.00} ) is not mine. I request its immediate removal from my credit report. 


The account under the name XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) does not belong to me. I request its prompt removal from my credit report. 


The account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$200.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account with XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account with XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1600.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account under the name XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX ) is not mine. I request its immediate removal from my credit report.