davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-07-30
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. (IL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-03-14
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: SYNCHRONY FINANCIAL (NY)

Synchrony are currently reporting INCOME to the consumer reporting agencies ( XXXX Account XXXX XXXX ) on my consumer credit report. A 1099 C was issued, this account is INCOME and was filed on my taxes as INCOME. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- By reporting income to the consumer reporting agencies SYNCHRONY violates the LAW 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) Respect for the consumer 's right to privacy.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In addition to violating the above LAW SYCHRONY also violated 623. Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in, inaccurate.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE XXXX, BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (GA)

Upon pulling my credit report I noticed that there is a new collection from Radius Global Solution in the amount of {$110.00} on behalf of XXXX XXXX XXXX. The only XXXX XXXX XXXX account that I have is my wireless service, and it is current and paid on time each month via autodraft. Upon noticing this debt on my credit report, I sent a certified letter to Radius Global asking for a debt validation letter as required under the Fair Credit Reporting Act. The letter was mailed on XX/XX/year> ; as of today I have not received a response. Per the FCRA, XXXX XXXX had 30 days to respond to my request for validation, or they must delete the account from my credit report. I pulled my credit report today and the account is still listed on my credit report.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Valon Technologies, Inc. (FL)

My mortgage loan number XXXX, from the XXXX XXXX XXXX XXXX, I received an email on XX/XX/XXXX  that my account is transferred, Your mortgage for XXXX XXXX XXXX, XXXX, FL XXXX was officially transferred to Valon Mortgage on XX/XX/. You're still a XXXX customer, but as your new mortgage servicer, we'll be your point of contact for managing your mortgage. ( ( XXXX ). 
I, XXXX XXXX XXXX XXXX, have made advance payments with XXXX XXXX XXXX until the month of XXXX, I only have the payment left for XXXX XXXXSend an email with the XXXX XXXX XXXX account statement by email on XX/XX/. ( XXXX ) I also contacted customer service number XXXX. I asked them to audit the account, to send me the conditions of my mortgage contract, they told me that I have the same conditions as my original loan. and they told me that they would send me that information, I have not received it.What I received from them on XX/XX/, a Notice of Intent to Foreclose letter. I contacted them by phone, I asked them to please solve the problem, I told them that on XX/XX/XXXX  I would send them the account statement, they contacted me with the supervisor named XXXX, she told me that she would do a review, then He calls me and tells me that I have to make a payment of {$3400.00} to stop the Notice of Intent to Foreclose initiation process. I told her that the payments were made and that I only owed the month of XXXX, she stated that I have to pay the XXXX dollars, I told her that she could only pay the month of XXXX, which is XXXX, I went to the bank and made a wire transfer for the aforementioned amount under the XXXX XXXX XXXXXXXX XXXX. 

I requested that you send me the updated account statements, my payment history, a copy of the transfer letter of the mortgage on my house from XXXX XXXX XXXX to valon, a copy of the terms and conditions of my loan, to verify if I have the Same as my original loan.
Consumer complaint received 2023-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I was appointed me XXXX and XXXX of my incapacitated cousin effective XX/XX/XXXX. She is the sole heir to her deceased sister who has a {$42000.00} loan with Truist secured by their home. I mailed and personally delivered the court documents to BB & T and Suntrust ( now consolidated and acting as Truist ), and also to Truist. Since XXXX, Truist has ignored the court documents and refused to acknowledge me as the guardian and conservator for my incapacitated cousin. I have continued to pay the monthly fixed mortgage payment and Truist accepted the payments until XX/XX/XXXX when they began returning the mailed payments to me and online payments to the bank. They are now claiming no payments has been made since XX/XX/XXXX and is auctioning the house on XX/XX/XXXX. In response to a letter dated XX/XX/XXXX to the deceased cousin stating To bring your loan to a current status please remit {$8000.00}, I mailed Truist a check for {$8000.00}, certified court documents showing the incapacitated sister as the sole heir of the deceased sister and appointing me as guardian and conservator of the incapacitated sister. I also included a copy of the XX/XX/XXXX letter from Truist. In response, in a letter dated XX/XX/XXXX, Truist returned the {$8000.00} check and stated This check is being returned due to no valid loan. The letter from Truist included the wrong loan number and property address. As I have done since XXXX, I sought an explanation for the check being returned, but Truist refuses to confer with me or my attorney. I believe this is a tactic to steal my cousins home, which is completely paid for, except for the {$42000.00} owed Truist. I timely paid the loan since becoming guardian/conservator for my cousin. I am and have always been willing and able to pay what is legally owed to bring loan to current status and stop the auction, but Truist refuses to allow me to do so and to discuss the loan with me
Consumer complaint received 2023-11-06
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. (IL)

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, and date last reported is not accurate. The ground for removal they also violated my rights under 15 USC 1681 section 602 A.States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Pursuant to 15 U.S. Code 1681c-2, I demand the immediate deletion of the account associated with XXXX XXXXXXXX XXXX from my credit reports with XXXX, Equifax, and XXXX. It has been four business days since I presented the Federal Trade Commission ( FTC ) report identifying this account as fraudulent.

Under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of information resulting from identity theft within four business days of receiving an identity theft report. I have diligently provided the necessary documentation to support the fraudulent nature of the XXXX XXXX XXXX account. 

This statutory provision is clear in its mandate, and the failure to comply within the specified timeframe is a violation of federal law. I emphasize the urgency and intensity of this matter. The account must be promptly deleted to rectify the harm caused and to ensure compliance with the Fair Credit Reporting Act. 

It is crucial to note that I am fully aware of my rights under the law, and any further delay or non-compliance with this request will leave me with no alternative but to pursue legal action. I am prepared to take legal measures to address this violation, including filing a lawsuit seeking damages for the willful non-compliance with 15 U.S. Code 1681c-2. 

I expect immediate action to rectify this situation, acknowledgment of the removal of the XXXX XXXX XXXX account from my credit reports, and confirmation of compliance with the specified federal statute.
Consumer complaint received 2023-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (MI)

In XXXX I had lost my job. I immediately reached out to my mortgage lender Wells Fargo to explain the situation and protect my loan. They told me we could work together to fix the problem. Forgo payments and go into forbearance and we will just do a home loan revision. I found a job a week later. I called to make the arrangements and change my mortgage... They told me I was being foreclosed on so too bad. They wouldn't let me make a payment or fix anything and said that it was too late. My family became homeless with nowhere to go. I tried talking to a lawyer at the time but received no help. We have never came back from losing our home. We recently received a cashier 's check from Wells Fargo for {$200.00} dollars explaining they found errors when our home was considered for payment assistance options.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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

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 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (MD)

I have US Bank credit card. XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX I requested closing my credit card account through the phone call about two months ago, but I can still see the account in the US Bank app. 
So I requested it one more time through the phone call. But the credit card information is still on the system.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/XXXXXXXX  I applied for the credit card and got approved. The term said XXXX pointsfor {$6000.00} spent in first 6 months, and additional XXXX points for 6 nights stayed in XXXX properties booked through XXXX. The reason I applied because I think the additional XXXX is attractive. 

XX/XX/XXXXXXXX  I booked through XXXX official site & stayed for 6 nights. But never got the XXXX points. 

XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  I talked to NINE ( 9 ) different agents for this matter. At first, I was told I need to wait for 8-12 weeks to get it. Then after 12 weeks, they opened & closed 2 cases to investigate why the bonus points were not granted to my account. Meanwhile, I connected with AMEX at least 5 times ( both online chat and phone call ) to ask about the investigation results. They just kept saying the case was closed & I was not eligible but can't tell exactly why I was not qualified. 

XX/XX/XXXXXXXX  I talked to a supervisor, after several argument ( he claimed that I was not eligible because there needs to be 6 different stays instead of nights, but the term he sent said otherwise -- > it CAN be the same stay with 6 paid nights ). After I explained the term, he said he understood the terms, said he will investigate this, asked me to upload all evidence ( including receipt & booking confirmation ) and get back with a phone call within 1-2 days, I did everything he asked, but he never call back. 

XX/XX/XXXXXXXX  I initiated another chat with an agent, he just kept repeating that the case was closed on XX/XX/XXXXXXXX  and no activity after that ( not as the supervisor suggested, that he will reopen on XX/XX/XXXX ). The agent said he will reopen the case for investigation. But I am super frustrated, by this time, the case was opened and closed 4 times, and still no resolution ( no reason provided why I wasn't granted the bonus points, nor was the points granted ) I think this is FRAUD and I felt cheated.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Greetings, my name is XXXX XXXX XXXX XXXX family, and I am consumer of the age of XXXX. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax under 15 USC 1691 ( a ) ( 3 ), assumed this role without permission not only that, they did not have my consent. CRAs did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). CRAs did not exercise their grave responsibility, they were unfair, they were partial. Im doing this due to the fact that because of the actions of these CRAs, I am unable to buy cars, houses, or anything in general that a consumer needs to survive in the United States. CRAs never had a permissible purpose under 15 USC 1681 b ( 2 ). I never instructed CRAs to furnish this report and I never consented to this report in the first place. What I am demanding right now is that CRAs deletes all accounts that are reporting and all hard and soft inquiries, that are hindering and discriminating me, whenever I try to purchase or receive credit for consumer purposes only. If any further information to be required to further support my claim, you can reach out to me by phone ( XXXX ) XXXX or by email ( XXXX ). 
Thank you for your time. 

Sincerely, XXXX
Consumer complaint received 2023-10-25
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)

According to the Fair Credit Reporting Act ( FCRA ), the accounts mentioned below have violated my federally protected rights regarding privacy and confidentiality, as detailed in 15 U.S.C 1681. 

Account Name : XXXX XXXX, formerly known as SIMPLE Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/ XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX All the accounts listed above have infringed upon my rights. Section 602 A of 15 U.S.C 1681 confirms my right to privacy.

Additionally, as per Section 604 A, Section 2 of 15 U.S.C 1681, a consumer reporting agency is prohibited from disclosing any account information without my prior written consent.

Section 1681c ( a ) ( 5 ) of 15 U.S.C stipulates that no consumer reporting agency can include certain adverse information in a consumer report, except for convictions of crimes that occurred more than seven years prior to the report.

Lastly, under Section 1681s-2 ( A ) ( 1 ) of 15 U.S.C, it is illegal for any entity to provide inaccurate information about a consumer to a consumer reporting agency if they have knowledge or reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.