davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 Balance : {$8700.00} ; XXXX XXXX Balance XXXX {$560.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (CA)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Consumer complaint received 2023-12-20
Product: Credit 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: DISCOVER BANK (NY)

Contacted credit card immediately after realizing there was multiple charges made on my card that I did not recognize. Spoke to them multiple times explaining the situation. Gave them documents backing up my explanation. They have approved for out of the 12 charges to be disputed but denied the other eight. Called back immediately explaining that I spoke to the company directly. Company was unwilling to refund me even after recognizing what went wrong on their end. Called back the credit card explaining my interaction with the company regarding the charges. Was then told to go back to the company and basically beg for them to refund. I have now acquired more documentation supporting my dispute with no resolution.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I have had an account with Union Bank for years. Now that my account has been merged with US Bank, I have had an account with US Bank. As soon as I have enabled XXXX on my account, I have been unable to access my account on multiple browsers, on multiple different devices. Whenever I try logging in on a computer I encounter an issue where the page no longer logs in and instead continually tries to reload. If this is not fixed soon, I will be closing my account and contacting the credit bureaus. The fact that a large bank is allowed to have such incompetent web devs working for them is a XXXX XXXX. A XXXX XXXX XXXX XXXX XXXX XXXX could do better.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Bankruptcy XXXX  XXXX XXXX
Consumer complaint received 2023-12-20
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: SERVICEMAC, LLC (IL)

We purchased my home, which we closed in XX/XX/2023. Our first payment was due XX/XX/2023. The initial company our mortgage was financed through was XXXX XXXX, which we made payments as follows XXXX XXXX XXXX {$3200.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment As of XX/XX/XXXX, we received a notice from XXXX XXXX stating that our mortgage was transferred to ServiceMac. They also stated that as of our XXXX payment, it should be made to ServiceMac. 

As of XX/XX/2023, a payment was sent to ServiceMac. See payment below : Service Mac LLC XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Payment As of today, an email was received stating that we did not make our XX/XX/2023 payment and they are stating that the payment is past due 18 days. They are also referencing that our payment amount is {$3400.00}. Not only are they saying that we have not made our payment, but they are referencing the incorrect payment amount according to our loan terms. It seems like since they transferred our loan to this new company, they are trying to do fraudulent things. I would appreciate if you can resolve the matter. Thanks
Consumer complaint received 2023-12-20
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: JPMORGAN CHASE & CO. (PA)

I received a notice of two accounts being open in my name with Chase Bank in XXXX, one debit account and one credit account. I called Chase Bank in XXXX and requested they close both accounts - I then followed up with XXXX to add a fraud alert to my credit report ( which they did ). I have since frozen my credit, but I am still seeing the inquiry from Chase Bank and an open account on my credit report. Here is the inquiry : JPMCB CONSUMER BANK Requested on XX/XX/2023 And here is the credit account : JPMCB CARD SERVICES XXXX I will be reaching out to Chase Bank again to have this account closed as it is showing a balance of {$120.00} ( and a balance in XXXX of {$95.00}, and a balance of {$96.00} in XXXX ).
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-22
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. (FL)

XXXX XXXX Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$760.00} XXXX XXXX  Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$310.00} XXXX XXXX  Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account # : XXXX Opened Date : XX/XX/XXXX Balance : {$1500.00} After reviewing my credit report, I found several accounts that are not mine. Please remove these fraudulent accounts from my report as they are preventing me from securing credit. I do not recognize these accounts.
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT. There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to TransUnion to report these inquiries XXXX XXXX XXXX XXXXXX/XX/year> and XXXXXXXX XXXX XXXX, to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Social Security Number & my Cover Letter listing each Fraudulent Inquiry. 
DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Consumer complaint received 2023-03-22
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. (NV)

On XX/XX/XXXX2023, Equifax received a Signed and Notarized Affidavit of Truth by certified mail Ref # XXXX about Equifax reporting several inaccurate information on my credit report which is hurting my credit score. I have made several attempts to correct this information including sending a dispute on XX/XX/XXXXXXXX/23 which went unanswered. However, Equifax responded to my affidavit of truth on XX/XX/XXXX23 but sent a generic message claiming they could not identify me after I sent a notarized, signed Affidavit of Truth with copies of my identification as a social security card. According to the maxims of law and XXXX XXXX, an Unrebutted Affidavit Stands as Truth in Commerce.
Consumer complaint received 2024-07-22
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account number : XXXX, XXXX account # XXXX,. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (MD)

I opened a Wise account, went through the verification process ( Wise requested a copy of my Driver 's License front and back sides as well as a selfie ). Then I had to initiate a transfer from my bank account to deposit {$20.00} in my Wise account. Among other options ( XXXX, ACH, Wire, credit card ), transfer by debit card was also an option, and I went with it. I provided my debit card information and successfully deposited {$20.00} ( it took about 6 hours as opposed to seconds, as advertised by Wise ). Then, I attempted to transfer {$1200.00}, the amount I intended to transfer out of my Wise account to pay for something that I purchased. My debit card was declined and apparently the transaction did not go through, however on the home page the transaction appeared as " Adding '' = a pending transaction without ANY information about when my bank was contacted, how long it was going to take for the funds to arrive and be available for transaction. I called Wise twice. The first time I got disconnected and the second time the agent told me that despite debit card being displayed as a payment option, it is not. This was the first time I tried using their services and I am having a very unsettling feeling about Wise and am worried that no payment will be able to be made in a timely fashion ( which is the very reason I signed up for their services ). Also, there is absolutely NO WAY to delete the debit card information I provided. It is also very unclear what is going on and whether I should cancel this " pending '' transaction and try to pay for a product/service using a different method. Very unclear and conflicting information that keeps the consumer in the dark about the process and status of their transactions.
Consumer complaint received 2023-12-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (OK)

So I was living in XXXX XXXX apt and I had to move due to raccoons being in the unit. I reported the raccoon situation to section 8 and since the apt failed to get rid of the pest issue I was issued a voucher to move... I moved out of the unit XX/XX/XXXX and in XXXX XXXX I got a notification that I had a new debt and I looked and saw that I owed XXXX and I also got a letter from IQ DATA INTERNATIONAL giving me a break down of the charges ..I reached out to XXXX at XXXX reality and let him know why I had to move and sent him proof and let him know that I dont owe any money that was XXXX I never heard back from him and he stated they would give me a call back after reviewing.. so around XXXX XXXX I went to the actual apt XXXX and spoke with XXXX in person whom was the apt manager at the time and she found the error they charged me for months when I was not there and she also was able to see my voucher for me to move.. she stated she was sorry and that the time I was moving out the unit they had just bought the entire property of XXXX ... XXXX moved me out the unit XX/XX/XXXX or XX/XX/XXXX via their system instead of XX/XX/XXXX XXXX stated she would correct the error and bring the matter to her boss to finalize things.. I have email correspondence between myself and XXXX and also my lease that I signed with section 8 and the new landlord and my voucher for me to move out.. XXXX did get notification that the assistance would be ending due to the raccoons and so did I everyone was aware that I would be moving and I dropped my keys XX/XX/XXXX and did my walk through... I do not owe them anything as this is an error on their end please help me get this resolved Ive attached the email correspondence with XXXX and XXXX and Ive also attached my housing voucher for me to move out of the unit and Ive also attached my lease with another property and section 8 my unit passed inspection and I left the same day no one should have to live with raccoons Ive also attached previous conversations with section 8 the email is ending in XXXX and Ive attached an email from the old company who owner XXXX at the time regarding the raccoons this company states that I owe them XXXX and now XXXX added interest and as of XX/XX/XXXX the amount is XXXX also this apt failed inspection 4 times so the state had no choice but to issue me the voucher to move