davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my XXXX XXXX XXXX and XXXX XXXXXXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet XXXX XXXX continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that XXXX XXXX  is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.
Consumer complaint received 2023-05-18
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. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (WA)

I got an email from Rocket Mortgage that my mortgage servicing is being transferred. I called to see if there is anything I can do to keep Rocket Mortgage. I chose them for my business for a reason. Rocket Mortgage would do nothing. 

I find this practice to be very troubling. It's like I'm not an actual person. Companies can do whatever they'd like to make more money off of us. I don't understand how our government allows this practice. I had no choice of where my mortgage was sent to for servicing. 

I have paid every payment on time. I feel like if I had made some late payments, my account would have been " randomly chosen '' to be sold to a different company, because it would be an even more profitable account. 

This is like paying for a 5 star roofing company to install a new roof, but after contract is signed and the project is all ready to go, they sold the work to a 2 star company and you have no say now in who completes the roofing. You're getting your roof still, right? 

Please help the consumer on this. This isn't right. It's frustrating and can happen at no end, but we can't choose to transfer our mortgage elsewhere without refinancing and currently right now, that means paying more.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

on XX/XX/2023 ive sent equifax these letters for these inaccurate infomation on my report and they havent deletd accounts for violating 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!!!!!! 
1.XXXX  XXXX  XXXX  Account number # XXXX 2. XXXX Account number # XXXX
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023, I successfully withdrew {$1700.00} from this savings account to my personal checking. 

On XX/XX/2023, I tried withdrawing {$4000.00}. The amount was deducted from my available balance and shows on my account as " In Progress, '' has remained as such for over 10 days now. The account says withdrawals should take 1-3 business days, but this is taking much longer. 

On XX/XX/2023, I missed a call from Goldman Sachs. They didn't give any details except to call them back. I called them back later that day, and the agent couldn't tell me what the missed call was about. I asked about the {$4000.00} withdrawal still showing pending, and I was transferred 3 times over 30 minutes before I was told that they need to verify my identity before they can release the funds. They then said they couldn't send a verification PIN to my phone because their system says my phone is inactive, even though I'm currently speaking to them on that same phone. They said they'll submit an internal request to review the transaction and the call ended. 

On XX/XX/2023, I called support again. I was on the phone with them for 14 minutes, and then they dropped the call. I called again, was transferred yet again, and this time they said the withdrawal is on hold due to security review, even though I received no notice and it doesn't show as such on my end. Once again, they said they need to verify my identity via one-time phone PIN, and then said they can't because my number is inactive, even though - again - I'm calling on that same phone. I asked if there's any other way to verify and they said no. They said to call XXXX XXXX XXXX to make my number active, even though I'm literally speaking to them on the same phone, and have had no issues with one-time code messages in the past. Again, they said they'll have to do a manual review. They said it can take 24-48 hours, and they may decide to deny the withdrawal. 

Meanwhile there is nothing I can do, and presumably the money I withdrew isn't accumulating interest, nor do I have access to it, with no reasonable way to solve the problem.
Consumer complaint received 2023-05-18
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. (SC)

Transunion have received numerous documents for a bankruptcy dispute that was made in error at sc bankruptcy court Transunion has playing games about not having documents and lied about not receiving the documents about bankruptcy. I have attached the letter from SC Bankruptcy court about this Bankruptcy. Please take action and penalize Transunion about this situation its has been 4 months
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; CHILD SUPPORT XXXX XXXX XXXX XXXXXXXX XXXX {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$790.00} ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PR)

In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. I have sent many certified letters to the original creditor company mentioned above and to the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is my XXXX complaint and i decide to make this one directly formal with the CFPB because the original creditors company and the credit bureaus didnt do anything to respond or to solved this matter. I do not recieved any letter or document from the original creditor nor the credit reporting companies, in fact no real proof evidence of such or any invenstigation made. This is my personal information and I have the right by law to only be reported with 100 % accurate information. A lot of unverifiable delinquencies reported to my personal credit file and nobody takes an action with the credit reporting companies nor the original creditor company. XXXX are the confirmation numbers of the certified letters by date I have sent to try to solved this matter with the credit reporting company and the original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 2023-05-25
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. (KY)

There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Experian are fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website. 

If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. 

Nonaffiliate opt-out. If the financial institution shares personal information pursuant to XXXX ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-04-22
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. (NY)

To Whom it may concern, I am writing to dispute the inaccuracy of the following accounts listed on my credit report and late payments specifically with regard to an account CARD SERVICES Account number XXXX Reporting to ( Transunion ), XXXX XXXX SERVICES Account number XXXX ( Transunion ), XXXX CARD SERVICES Account number XXXX ( Transunion ) and XXXX XXXX XXXX XXXX XXXX  Account number ending XXXX ( Transunion ) and any addresses or names other than XXXX XXXX XXXX XXXX this is the only name I go by. My 2 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX, Apt XXXX, XXXX XXXX XXXX XXXXXXXX. 
This alternate address, XXXX XXXX XXXX, XXXX, GA XXXX, is not mine as was used by identity thieves to obtain credit in my name. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from these creditors regarding these accounts. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how these accounts and addresses report on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you immediately remove these accounts and address from my credit report. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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 XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-25
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. (TX)

Experian does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With Experian reporting inaccurate information caused my payment to drop 42 points. Which is drastically. Experian is the only credited reporting agency that have my credit reporting extremely low.
Consumer complaint received 2023-05-08
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. (MD)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish information relating to a consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

Hello, I have called Citibank for a total of three times with an unresolved issue. My account has been locked. When I called Citibank, they requested a phone verification in order to verify my identity. I provided the home number of my father, an authorized user, which they called and provided a reference number. When I called back with the reference number, the bank further refused to verify my identity and asked for a fax of my ID as well as social security card. I am currently living and working abroad and unable to as well as uncomfortable with faxing sensitive information to the bank which I can verify over the phone.
Consumer complaint received 2023-05-18
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. (DE)

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 : XXXX XXXX XXXX Card Account : XXXX XXXX has violated my rights. Or 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 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 2023-05-25
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. (GA)

I reviewed my Consumer Reports and noticed that I had several payments on my accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXXXXXX : Act # ( XXXX ) and XXXX XXXX # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, 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. (NJ)

Please remove fraudulant inquiries:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX