davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX issued a policy for an individual with my same name and using my address. Birth date and driver license are different. The policy went unpaid. They then submitted it to Caine and Weiner a debt collector who reached out to me on repeated occasion and to whom I provided my birth date and explained debt does not belong to me. 

Debt collector submitted the claim to my credit report significantly affecting my records. 

I reached out to XXXX  and have spent several weeks trying to resolve this matter, I submitted copy of my drivers license to prove I am not the owner of that policy. They called me back saying that in fact it is a mistake and that I had to dispute the charge with credit report company and debt collector. 

3 weeks later, debt collector updated the claim with credit bureau saying I am responsible for debt. Today I had to start a new claim with XXXX. 

XXXX issued this fraudulent claim under my name, has made no serious attempts at resolving this matter, has provided me with false information saying it was resolved, refused to send me any outcome in writing saying they only call individuals about these matters, leaving no trace or records. The burden has been on me to clear my name of this wrong debt and not on them to prove it belongs to me.
Consumer complaint received 2019-07-02
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. (LA)

I went to getthe free annual report Equifax and was unable to answer the security questions because I did not recognize any of the accounts. Think I am a victim of the Equifax breech. Please help me I can not do anything to see my report.
Consumer complaint received 2024-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (PA)

I have contact credit counselor and had a court hearing with XXXX XXXX, PA Action in Mortgage Foreclosure in XX/XX/year> and PHH Mortgage kept sending me notice which I filed out and was deny and just on XX/XX/year> their lawyer XXXXXXXX XXXX XXXXXXXX send me a notice of civil action and PHH Mortgage send me a letter on XX/XX/year> early intervention borrower assistance which I filled out once again and was deny on XX/XX/XXXX. I have taken all the mortgages calls and done everything they had asked and still getting deny. We had fell behind on the mortgage because my husband was out on sick leave and he is back to work and we are working with a credit counselor who help us with a budget and we have the income now to start paying the mortgage but they want the whole amount that is due which is over XXXX now and going higher. At this point my credit counselor told me to wait until I get served paper before I hire a lawyer because it nothing they can do right now I do not want to file for bankruptucy.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (RI)

I tried calling them they were willing to make the changes but only if I reported with XXXX and when they still didnt change it. Either XXXX is not updated their information or someone is lying to me. In the picture I attached is proof that me being late in XXXX made no sense. Please remove or correct it.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$570.00} StatusAccount charged off. {$570.00} written off. {$570.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date openedXXXX Balance {$1000.00} StatusAccount charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$960.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXXXX Balance {$1800.00} StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX/XXXX  Potentially negative Date openedXXXXXXXX Balance {$0.00} StatusClosed. {$1700.00} written off. 
XXXX/XXXX  Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2024-05-20
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: EQUIFAX, INC. (GA)

**Subject : Dispute of Unauthorized Inquiries on Credit Report** Dear Sir/Madam, I am writing to dispute multiple unauthorized inquiries listed on my credit report, as detailed below. These inquiries were not authorized by me, and I request a thorough investigation into their origin and immediate removal from my credit report. Furthermore, I kindly request information on the actions taken to rectify this matter. 

Disputed Inquiries : | Institution | Inquiry Type | Date | Bureau | | -- -- -- -- -- -- -| -- -- -- -- -- -- -- | -- -- -- | -- -- -- -- | | XXXX XXXX  | Credit Unions | XX/XX/XXXX | XXXX | | XXXX XXXX  | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX  | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX Auto Financing XXXX XX/XX/XXXX | XXXX | | XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX | | XXXX XXXX XXXXXXXX | Auto Dealers, New | XX/XX/XXXX | XXXX | | XXXX  | - | XX/XX/XXXX | Equifax XXXX | XXXX XXXX | XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | | XXXX XXXX - | XX/XX/XXXX | Equifax | | XXXX XXXX | XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XXXX | - | XX/XX/XXXX | Equifax | | XXXX XXXX  XXXX XXXX XXXX XXXX Credit Union XXXX XX/XX/XXXX | XXXX XXXX | XXXX | - | XX/XX/XXXX | Equifax | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # Reasons for Dispute : 1. **Unauthorized Inquiries** : I did not authorize any of the inquiries listed above.

2. **Violation of Fair Credit Reporting Act ( FCRA ) ** : These unauthorized inquiries infringe upon my rights under the FCRA , specifically Sections 604 and 611, which ensure the accuracy and fairness of information reported by credit bureaus.

# # # Requested Actions : 1. **Investigation and Removal** : I request a thorough investigation into the unauthorized inquiries listed above and their removal from my credit report.

2. **Notification** : Please provide written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates the accuracy and fairness of information reported by credit bureaus. Unauthorized inquiries violate the FCRA 's provisions, including Sections 604 and 611. 

Enclosed are copies of my credit reports highlighting the disputed inquiries, along with any supporting documentation affirming my claim of unauthorized inquiries. 

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and take appropriate action to rectify the inaccuracies on my credit report promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (VA)

My Tax Return Deposited Into my account & basically on the same day the account was closed & they asked for more information regarding to my tax return. Mind You I provided all of the information they were requesting from me soon as I do they tell me with further review they decided to close my account & then stated Im not eligible for a refund. Ive never in my life dealt with nothing like this especially not being able to receive my remaining balance that was in my account, I truly dont care if my account is not reopened but I would like my money this truly makes no XXXX sense, excuse my language but this is totally wrong. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX Balance : {$360000.00}
Consumer complaint received 2024-03-28
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. (AL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-20
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)

**Consumer Financial Protection Bureau** **Subject : Dispute of Unauthorized Account on Credit Report** Dear Sir/Madam, I am writing to formally dispute the presence of an account listed on my credit reports with XXXX, XXXX, and Equifax . The account in question is identified as **XXXX XXXX XXXX**, and it is a revolving credit card account with a derogatory status. 

# # # Disputed Account Details : - **Account Number** : XXXX - **Account Type** : Revolving ( Credit Card ) - **Bureau Code** : Individual - **Account Status** : Derogatory - **Monthly Payment** : {$0.00} - **Date Opened** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Balance** : {$21000.00} - **High Credit** : {$21000.00} ( XXXX ), {$20000.00} ( XXXX ) - **Credit Limit** : {$20000.00} ( XXXX ) - **Past Due** : {$21000.00} - **Payment Status** : Collection/Chargeoff - **Last Reported** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Last Active** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) # # # Discrepancies and Reasons for Dispute : 1. **Ownership Dispute** : I have never opened, authorized, or had any association with this account listed under my name.

2. **Unauthorized Usage** : This account does not belong to me, and I have not made any payments toward it.

3. **Violation of Fair Credit Reporting Act ( FCRA ) ** : The inclusion of this unauthorized account on my credit report violates the FCRA , particularly Section 611, which ensures the accuracy of information reported by credit bureaus. 

# # # Requested Actions : 1. **Investigation and Removal** : I request an immediate investigation into the origin of this account and its erroneous association with my credit report. Additionally, I demand the removal of this account from all three credit bureaus ' records.

2. **Notification** : Kindly provide me with written confirmation of the investigation 's progress and the actions taken to resolve this matter.

# # # Legal Basis for Dispute : 1. **Fair Credit Reporting Act ( FCRA ) ** : The FCRA mandates accurate and fair reporting of consumer credit information by credit reporting agencies. The unauthorized listing of this account violates the FCRA 's provisions, including Sections 611 and 623.

Enclosed are copies of my credit reports highlighting the disputed account, as well as any supporting documentation affirming my claim of unauthorized account ownership. 

Thank you for your prompt attention to this matter. I trust that you will investigate this dispute thoroughly and rectify the inaccuracies on my credit reports promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-28
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GOLDMAN SACHS BANK USA (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (TX)

I bought some furniture and applied for a loan through Koalafi. I made all of my payments on time. I wanted to pay off my loan early though so I can get the cheap cash price option. I went into payment portal to see the payoff amount and I paid it. It was a little over {$1500.00} or so. A couple weeks later they end up telling me a owe them a few thousand more because I missed my early payoff window. Somehow their payment portal processed a payment with no way of me knowing and it changed the payoff amount. They would not work with me to make things right and were trying to force me to pay another $ XXXX {$3000.00}. I told them they had to fix their mistake or I would file a complaint. They didn't fix it and now its affecting my credit. So here I am filing a complaint because I don't owe them anything. The company is a sham.
Consumer complaint received 2024-05-20
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. (NY)

In accordance with the fair credit reporting act this creditor ( XXXX - acct XXXX XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-28
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. (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 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 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (KS)

We cancelled our insurance with  XXXX   XXXX  on  X/XX/2017   , with an effective date of  X/X/2017   . They sent us a bill for back premium for {$140.00}. We have looked through every bill from them and our bank statements and have paid all of our bills. They told us that we were a month behind, but we have never missed a payment. They have now turned us over to a collection agency, Credit Collection Services.