davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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: EQUIFAX, INC. (NJ)

I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/2024, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information.

3. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft.

2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.
Consumer complaint received 2024-07-24
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. (SC)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-24
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. (TX)

This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXX accounts have resulted in several fraudulent chargeoff accounts being reported to my XXXX XXXX Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the XXXX FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.
Consumer complaint received 2024-07-24
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)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Systems International, Inc. (AL)

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. 


I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX XXXX ( original creditor:XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ), Account name : XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-07-24
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. (OH)

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 2024-09-09
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. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I use chime for my banking needs and for a few months they worked well. When I started getting my direct deposit put into my chime account I noticed fraudulent transactions popping up. I usually get over XXXX in direct deposits monthly from my employment so I even missed a fraudulent charge at XXXX point. These are the details below I was charged XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX on XX/XX/XXXX, and finally XXXX on XX/XX/XXXX as well. I called in to dispute these transactions, but chime does not follow the proper procedure as they themselves say they are not a bank so they never take the dispute up with visa either. They do internal investigation that wraps up quickly and always rules against the customer. I have been reading reviews and it seems many people have had problems with chime. I wish I would of known this sooner, but I closed my account with them as I do not want to do business with phony companies that will allow my account to get drained and don't even follow proper procedures. I assume these charges were all made using my debit card numbers. I need a resolution as it is a little over XXXX that was taken from me and I have XXXX children that I need to feed. I can not allow money to be taken from me.
Consumer complaint received 2024-08-18
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: ALLY FINANCIAL INC. ()

There are hard inquiries and new accounts in my credit report that I do not recognize. I tried reaching out to the companies involved but have not been able to connect with them. Kindly find details in the attached file. The names of the companies involved are : XXXX XXXX XXXX XXXX. Ally Financial XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NJ)

I am writing to dispute a concerning issue regarding the personal financial privacy policy notices and opt-out annually statements provided by XXXX, It has come to my attention that XXXX may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 
As a customer of XXXX, I have not received the required personal & financial PRIVACY POLICY NOTICES and opt-out annually statements as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 
I demand that XXXX promptly rectify this issue by providing me with the required PRIVACY POLICY NOTICES and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward, I also request PROOF that XXXX has PERMISSIBLE PURPOSE/PERMISSION to disclose my NON-PUBLIC PERSONAL FINANCIAL INFORMATION, I also request ( NPI ) DISCLOSURE where I gave consent to disclose such information to a THIRD PARTY or the general public.

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Consumer complaint received 2024-07-24
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. (IL)

After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major 3 bureaus. However the screenshots in THIS report will reflect inquiries on my TRANSUNION report.
Consumer complaint received 2024-07-24
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. (NY)

I am sure yo u 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. ACCOUNT : XXXX XXXXXXXX
Consumer complaint received 2024-07-24
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. (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. 

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 XXXX 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 2024-08-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (WI)

I purchased a {$500.00} prepaid virtual XXXX gift card on XX/XX/year>, from mastercardgiftcard.com ( " operated by InComm Payments in relationship with XXXX '' ). One of the advertised features is : " Endless Acceptance : Our gift cards can be used anywhere in the United States where XXXX debit cards are accepted. '' I tried to use the gift card to make a quarterly estimated Federal income tax payment at both XXXX and XXXX. Both websites only allow debit cards with an expiration year of XXXX or XXXX, but the issued card has an expiration year of XXXX. 

I contacted both websites saying they need to add later years for their accepted cards. XXXX said there's nothing they can do and to use a different card. PayUSAtax.com never replied. 

I contacted mastercardgiftcard.com ( owned by InComm ) with a complaint and asked to be re-issued a new card with a different expiration date ( i.e. before XXXX ). They said there's nothing they can do because the card is fine, and to use it somewhere else -- this despite the fact that the card is advertised as being accepted anywhere XXXX is accepted as noted above. 

I contacted XXXX to complain that if XXXX cards can be issued with an expiration year of XXXX, they need to enforce that all merchants who accept XXXX comply with this and allow said cards to be used. They transferred the call to InComm customer service without notifying me that they were handing the issue off to them, who repeated that they could not re-issue the card.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

Unlawful Denial Of Credit And Securities Peace & Love To All Who Read This! 

I applied for a card and got denied. Regardless of the reason for being denied I have a right to credit. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

According to your prospectus ( See Trust Assets below ), I know that you've turned the application into a security in which you're now selling and making money until it matures. You're also selling my previous applications, contracts, and account info. 

Trust Assets- The Trust Portfolio The primary assets of the trust are receivables in designated consumer American Express revolving credit card accounts and receivables generated with the use of revolving credit features associated with certain other American Express credit card accounts and, in the future, may include other charge or credit accounts or features or products. The receivables consist of principal receivables and finance charge receivables. 

You've sold all rights, titles, and interest of the receivables to American Express XXXX XXXX XXXX XXXX relinquishing beneficial ownership of the original owner. You're being paid! Not only that, but you also got the original issue discount ( XXXX ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! 

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws. 


Keep It Simple And Do The Right Thing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC (TX)

Despite Rocket Mortgage pre-approving me for {$820000.00} ( which was {$170000.00} MORE than the price I ended up being under contract for - {$650000.00} ), having a 60+ day close, and the fact I provided Rocket Mortgage with the executed contract the same day it was executed ( which clearly displayed the option period, option fee - {$100.00}, and the earnest money I had at risk {$5000.00} ), they waited until the week I was scheduled to close to inform me that I would not be able to purchase the home. Also, prior to that while I was still under contract, they waited until roughly two ( 2 ) weeks before I was scheduled to close that I would not be able to purchase the property via a FHA loan and they proposed a Conventional loan, which they ultimately denied a day or so before I was scheduled to close. This displays not only their ignorance but also their gross negligence, which resulted in me losing money. 

In addition, despite the lies Rocket Mortgage continues to tell, I provided them with all information, including my financial information, within 24 hours of it being requested. Furthermore, Rocket Mortgage 's negligence caused me to breach a contract I executed with a tenant, which not only caused me reputational harm, but it also resulted in me losing additional money! 

I detrimentally relied on Rocket Mortgage, and as a result, I have suffered repetitional harm and financial damages possibly up to {>= $1,000,000}. Also, I do feel that I was discriminated against by Rocket Mortgage due to my race and ethnicity. 

I have plenty of documentation that supports Rocket Mortgage 's negligence and callous disregard for consumers, specifically me. Furthermore, as displayed, Rocket Mortgage refuses to admit their negligence, they refuse to reimburse me for my earnest money ( {$5000.00} ), option fee ( {$100.00} ), inspection fee ( {$790.00} which would not have been completed if I knew Rocket Mortgage would not loan me the money This is completely unacceptable and Rocket Mortgage nor any company should be allowed to cheat people out of their money, especially when it is solely due to their negligence. 

If Rocket Mortgage does not reimburse me, IN FULL, for all of my damages, send me an apology letter admitting & outlining their negligence, and provide me with their Professional Liability insurance information ( insurance company, policy number, policy effective dates ), I will not only expose them publicly for their lies, fraudulent tactics, and discriminatory practices through the media ( XXXX, XXXX XXXX XXXX XXXX XXXX, etc. ) and I will swiftly pursue litigation & also inform my local Congressmen/Congresswoman and Senators. And yes, I have spoken with an attorney, and they agree that Rocket Mortgage is 100 % negligent and I would easily succeed against Rocket Mortgage and their professional liability insurer in litigation.