davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/2024 ) Case Number : XXXX ( Dismissed on XX/XX/2024 ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Ad Astra Recovery Services Inc (OH)

I have a a unverified account from AD ASTRA RECOVERY SERVICE. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2023-07-13
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. (CA)

Equifax, XXXX and XXXX are obligated by the FCRA to furnish accurate information and accounting. 

In accordance with the Fair Credit Reporting act The Following XXXX  Accounts have violated my rights : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 states that 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. 

Equifax and XXXX credit reporting agencies still have a XXXX XXXX XXXX XXXX Account # XXXX, a XXXX XXXX Account # XXXX, a XXXX XXXX  Account # XXXX, a XXXX XXXX  Account # XXXX on my consumer report, but this is to be REMOVED IMMEDIATELY - these accounts are not on my Experian Consumer report THEREFORE, THESE REPORTING AGENCIES ARE FURNISHING INACCURATE INFORMATION. 

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.

ALL INQUIRIES REPORTED WAS FRAUD and according to LAW said companies ( XXXX, Equifax and XXXX ) have 4 days to remove all inquiries. 

FTC Fraud report was filed.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CrossCountry Mortgage LLC (TX)

This is my 3rd complaint against the same company since XX/XX/24, Complaint ID XXXX. In it I complained about loan XXXX, XXXX XXXX, approving my application, promising to send the pre-approval letter then not sending it. XXXX responded to the CFPB by saying they need more time to respond. On XX/XX/24, I filed my 2nd complaint, Complaint ID XXXX, against loan officer/manager, XXXX XXXXXXXX, for wrongfully denying my application after it was approved by XXXX, in violation of the XXXX XXXX, and HUD Mortgage Loan processing guidelines , for discriminatory loan processing tactics and discriminatory denial. XXXX responded to the CFPB by saying they need more time to respond. This 3rd complaint arose today after XXXX XXXX XXXX XXXX XXXX - Cross Country Mortgage called me numerous times inviting me to apply for a mortgage. After several texts and voicemails from them discussing that I have a HUD XXXX XXXX XXXX for 4 bedrooms and an Estimated Payment Assistance ( EAP ) Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), she indicated that there may be a problem with me using my XXXX even before sending me a new application, saying in a text from her supervisor 's phone number XXXX " Ok. Let me ask our underwriting department how that works and if there are any issues with that, '' I asked why there would be an issue, she responded, " I don't see why it would be an issue, but just double checking to be sure '' then the supervisor continued, " Well, we are the mortgage lender and like we were discussing before, we can get you down payment assistance and we can use the voucher and XXXX XXXX that you mentioned to her that you got a new voucher for more essentially is that correct... '' then XXXX sent a follow up text from her phone XXXX on XX/XX/24 " XXXX XXXX, just left you a message. Our company has an overlay where we can not use the voucher unfortunately. We can help you with the down payment assistance, but you would have to have income outside of the voucher to qualify. Sorry the news isnt better, but if something changes on your end, just let me know. " On her voice message she stumbled and stuttered her way through stating the same with a lot of UMs in between. This encounter appears to be furtherance of FHA violations and the ECOA denying a mortgage prior to filing another application after XXXX denied the first application, based on the type of income being a HUD homeownership voucher. It is also indicative of the reason for XXXX requesting additional time on the first two complaints to respond. It appears they have no intention of ever responding and no intention to adhere to any applicable law or to reverse any of the discrimination they've subjected me to, which if reversed, would cure their ongoing discrimination against me and deprivation of rights under the FHA, ECOA and HUD Guidelines.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Formal request via certified mail was sent to XXXX on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our XXXX account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX security breach occurred in XXXX and lasted for weeks. My wife contacted XXXX and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked XXXX to amend and provide a good will adjustment to Experian, XXXX and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, XXXX XXXX XXXX, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. XXXX continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (IL)

On XX/XX/XXXX, I mailed out a RESPA Qualified Written Report request to U.S.Bank XXXX XXXX XXXX, XXXX, MN XXXX. 
Loan number XXXX mortgage acct XXXX XXXXXXXX. I did not receive an acknowledgement letter pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), neither did I receive the information requested. I only received 4 pages of mortgage History, 1 page payment history for year XXXX, and 9 pages loan history.

I also sent out a second letter requesting the same, dated XX/XX/XXXX. I received no acknowledgement or the information requested.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2023-01-19
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. (TX)

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 XXXXXXXX Account Number XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX  Account Number 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 2024-10-05
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. (TN)

This company reported late payments as of XX/XX/XXXX and XXXX XXXXXXXX. I called and sent a letter to the creditor but did not receive a response. 

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under, 15 U.S.Code 1681a Section 602 states I have the right to privacy 15USC 1681 section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment under a credit card account under an open and consumer credit plan as late for any purpose. 

This account is open
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CT)

I signed up for a XXXX XXXX plan and became unsatisfied with the service so I tried to quit. I talked to a rep due to a XXXX  complaint I filed. The rep stated I owed on services performed to the tune of {$700.00} or so before I could leave. I allowed the payments to be automatically drawn from my bank account until all the services were paid for according to the invoice. I didn't use any other services after that but continued to be billed for the wellness plan. I contacted XXXX and was told it would be taken care of. Later I received an email from a collection agency saying I owe for the remaining payments for the full year even though I stopped using the services and paid for the services I used.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

I currently show a collections account on my XXXX and XXXX credit reports for SYNCB/ASHLEY HOME XXXX ( pasted ). After originally thinking that I had no Ashley Furniture account, I saw that had had one back in XXXX approximately that I fully paid off. After paying off that account in full, it was not used again. I was working for a different furniture store ( XXXX XXXX ) where I was able to buy everything for cash due to my discount. This new debt from Ashley Furniture is not mine.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I just returned home from being gone a month and am trying to bring my account ending in XXXX, to current positive balance and was trying to make a payment on the XXXX XXXX balance associated with the same account. The mobile app just kept saying unavailable try again later. So I called the number XXXX, Which was on a letter that I received saying that I needed to bring those accounts currently which I am trying to do but apparently they've closed my account which means they're probably sending me to collections. I'm trying to avoid that. I'm trying to make a payment.. Absolutely nothing but trouble and it's closed, but I do not want to be sent to collections because I'm trying to make a payment and their own people and their own app is making it more difficult.
Consumer complaint received 2024-10-07
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. (SC)

I have some late payments showing on my credit reports for months of XXXX, XXXX and XXXX of 2023 from first progress card. In fairness with the fair credit reporting act this creditor first progress has violated my rights under USC 15 1681 section 602. This section states I have the right to privacy. USC 15 1681 section 604a section 2 also states a customer reporting agency can not furnish a account without my written instructions. I never gave first progress written instructions to do any of this. Under USC 15 1666b a creditor may not treat a payment on a credit card account under a open end credit customer plan as late for any purpose. Please update my showing of late payments to paid on time please.
Consumer complaint received 2023-04-12
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00}, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-10-07
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. (NC)

I am complaint on the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered that fraudulent accounts had been opened in my name without my knowledge or consent. Upon learning this, I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), submitted a police report, and provided TransUnion with all required documentation to dispute and remove these unauthorized accounts from my credit report, in accordance with FCRA Section 605B. Despite my diligent efforts and compliance with the necessary procedures, TransUnion has failed to take the appropriate actions to block or remove these fraudulent accounts, allowing derogatory marks to remain on my credit file. XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained.

TransUnion has failed to fulfill its obligations under FCRA Section 605B, which mandates that fraudulent information be blocked within four business days of receiving proper documentation. To date, the fraudulent accounts and derogatory marks remain on my credit report. XXXX XXXX accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that TransUnion has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

The company has no agreement with me for a product or service. This is the third time it has been removed and returned to this report. I would like to press charges or file a civil penalty claim against this company for harassment and extortion
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$1900.00}
Consumer complaint received 2024-10-06
Product: Credit reporting 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. (TX)

Letters have been sent to all three bureaus with no corrective action of illegal remarks removed from credit report. 
All three bureaus submitted corrective action under FCA and USC15 codes. 

Since bureaus was notified I have been locked out online portals to submit further action against such bureaus. Any additional contact via phone line to customer support has not assisted with access to account no deletion of accounts found on report - specially Transunion. 
XXXX XXXX XXXX XXXX XXXX and Birthcertificate found on dark web. Also may have highly been impacted by late data breach : XX/XX/year>.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MD)

on XX/XX/year> Navy federal resolved my account restriction, however my money marketing account has been moved and switched to a regular checking account without notice. I'm not sure why they would move my money market account. I do believe I have been a victim of bank fraud deceptive practice in banking ( transferred funds between accounts without my permission ) and I would like for the OCC and the FDIC to be notified while processing this complaint. I do believe they are in an attempt to cover their tracks by causing a fictititous type of mix up. I checked my account type before it was froze as well as after the freeze the account went from a money market account to a XXXX  account to a regular everyday checking account ( my checkbook purchase fees where charge to my regular checking account and that's very unusual ). This is a common display of bank fraud and deceptive bank practice. I reported my type of account to the branch supervisor after the account freeze and I was told their security team had access to my account. I would like for this branch and their security team actions investigated. 

The images I'm uploading are proof of money market checkbook purchases and a bank state from time of purchases showing proof of purchase not represented by original checking account. Including image of checkbook purchase from money market FDIC account ending in its account number XXXX.