davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
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. (FL)

THis company TRANSUNION has been EXTREMELY DIFFICULT with handling my requests. I can not reach them at all by phone. they refuse to properly investigate my disputes. I have sent in a letter AGAIN and have not heard from them in over XXXX days. They are incorrectly reporting this account XXXX that is negatively affecting my life greatly. Please help THEY REFUSE TO PROPERLY INVESTIGATE MY DISPUTES and are constantly delaying/not responding to me
Consumer complaint received 2024-01-13
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. (CA)

Transunion failed to delete the collection " XXXX XXXX XXXX XXXX '' which is not mine nor were they able to provide any documentation proving this debt even exists. There is no debt from a returned XXXX XXXX XXXXXXXX  with Original " Creditor XXXX XXXX XXXX XXXX XXXX '' which I'm providing proof via every bank statement I have with this creditor. There is no check of that amount even deposited even less returned.
Consumer complaint received 2024-01-13
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. (CA)

Per the FCRA as a federally protected consumer I am now OPTING OUT of Any and all AUTHORIZATION, I the consumer may have given you written, unwritten, verbal and non verbal Per usc 6802 and the privacy act of 1974. 5usc 522a. 
Given notice to these companies Transunion XXXX, XXXX, XXXXXXXX XXXX and all other 3rd party reporting agencies. Legal litigation will take place if no action is taken. 
Thank you XXXX XXXX ( consumer )
Consumer complaint received 2024-06-10
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. (FL)

please remove these inquiries from my credit report ASAP! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Consumer complaint received 2024-06-10
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. (GA)

XXXX, XXXX, & Equifax continue to report the account XXXX Account # XXXX incorrectly. The consumer agencies do not have access to my private financial records so there is no lawful way they verified these late payments. Remove these payment immediately or I will sue and ask that you place the financial records into evidence for my inspection.
Consumer complaint received 2024-01-13
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)

First, I DID NOT WITHDRAW MY FIRST COMPLAINT!!!! 

Second, I provided CFPB with the statement from the Better Business Bureau showing that the account is and was not MINE! The account clearly shows that it belong to an individual by the name of XXXX XXXX. The fact that XXXX, want to withdrawl and lie to the submission of that fact is IMMATERIAL!!! The fact still stands that it belongs to someone else!!!
Consumer complaint received 2024-06-10
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. (TN)

In accordance with the Fair Credit Reporting Act, this reflects deficiencies under 15 USC 1681, section 604. This section states that I have the right to privacy ( 15 USC 1681, section 604 ( a ) ( 2 ) ). It also states that 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 for any purpose.
Consumer complaint received 2024-07-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CA)

I signed a XXXXXXXX XXXX with XXXX XXXX XXXX XX/XX/XXXX. When COVID hit back in early XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX in a different state in XX/XX/XXXX. Soon it became apparent that I would not be able to function on my own for a while, so I called XXXX XXXX in XX/XX/XXXX to give them notice about not renewing my XXXXXXXX XXXX  I continued to pay my rent until XX/XX/XXXX. Due to health issues and flight infrequency ( as a result of covid disruptions to businesses ), I XXXX XXXX XXXX in XX/XX/XXXX to vacate and clean the apartment. I informed the apartment manager about all this. And since I had not completely vacated the apartment in XX/XX/XXXX, I paid the rent for that month too. My parents and I cleaned and vacated the apartment by the end of XX/XX/XXXX. 
At this point, I was told that I owed XXXX an extra {$1600.00} ( XXXXXXXX XXXX ) because of terminating my lease. But I DID NOT terminate my lease. I completed my XXXXXXXX XXXX as I signed back in XX/XX/XXXX. There was nothing written in the lease that I had signed about additional charges past my lease. And I even paid for all the months I occupied the apartment during the term of the lease ( XXXX XXXX XXXX ) and the 1 month after ( XX/XX/XXXX ). When someone from XXXX contacted me about owing {$1600.00} back in XXXX, I explained all this, and even requested further written documentation about how this extra charge applies to me. No one got back to me, even after I tried contacting them again, so I assumed this matter was resolved. 
I only became aware about this issue again after these collection charges were posted to my credit report almost 4 years later on XX/XX/XXXX. I did not even get a letter from the collection agency, so I could dispute this charge with them directly.
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: Mr. Cooper Group Inc. ()

Inquiry - XXXX Dear XXXX, I have received the letter that the Ombudsman 's Office should have received from Champion Mortgage. I am forwarding this letter to you and asking for your help because I feel that I am the victim of a serious tvery. The enclosed letter contains disinformation. I quote verbatim from the letter from Champion Mortgage : " Your reply will be sent no later than XXXX XX/XX/2023 ''. 
To date I have not received a reply from Champion Mortgage!!! 

It is totally incomprehensible to me what happened to the {$77000.00} reverse mortgage? 
Where is this amount that no one has ever used. The {$77000.00} reverse mortgage was transferred to Champion Mortgage. 

I only claim {$77000.00} + interest and damages as I am the daughter and heir of XXXX XXXX. 
My mother 's money was wrongfully taken by Champion Mortgage. 

Today I tried to report the new error to the Ombudsman 's office, but your system did not allow me to do so today. 
On my registered page, the Ombudsman 's office considered my case closed. Am I being ignored or am I persona non grata because I have Hungarian citizenship? 
I find it outrageous that neither my mother ( who became incapacitated due to illness and died in a XXXX home ) nor anyone else took out the reverse mortgage of {$77000.00}. Why was the {$77000.00} reverse mortgage loan transferred to and ( by whom ) Champion Mortgage? 
Please help me! 

Thank you. 
Best regards, XXXX XXXX
Consumer complaint received 2023-12-27
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. (NC)

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.
Consumer complaint received 2024-01-13
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-06-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc. (FL)

I was originally issued XXXX {$500.00} pre-paid debt cards ( total of {$2000.00} ) by XXXX XXXX XXXX  on XX/XX/year>. Upon my attempt to redeem the amounts today, my previous digital wallet to PrepaidDigitalSolutions was instead redirected to XXXX, as the cardholder website has changed to XXXX ( or perhaps was sold to XXXX- this part I do not know ), so I was automatically redirected to XXXX XXXX XXXX I attempted to redeem my XXXX cards with the digital wallet codes I was originally provided ( excluding the codes here in accordance with your guidance above to not include personal information and account numbers ). 

The website indicated that these prepaid cards had expired and the balance could no longer be used. I was under the impression that the CARD Act provided protections up to XXXX  years for these types of cards, so I called the company asking if this was in error - and if they had expired, if I could have new cards issued so that I could access my balance. The business explained that it was against their internal policy to reissue cards, that the balance could not be accessed and was thus lost. 

Obviously, this is deeply frustrating. I'm not a person of means, so {$2000.00} is important to me. Granted, I could have used the funds more quickly- but I was under the impression that I had years to use these funds and thus treated the balance as XXXX savings that I could access at a later date when I needed the funds. 

If any additional information is needed I'm happy to provide.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Account for XXXX XXXX XXXX XXXX shows late payment XX/XX/2022 I have these payments set up for auto draft I was not late I have talked to XXXX and stated I was not late. It was supposed to be fixed on their end. this is hurting me from being able to obtain credit.
Consumer complaint received 2021-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I have a Cash App '' account I had noticed multiple unauthorized charges, as soon as I became aware of these charges I contacted cash app to dispute that unauthorized charges and canceled my current card and ordered a new card with new number. I also contacted the unauthorized merchant " XXXX XXXX '' in a attempt to resolve the issue with them directly with no resolve. Upon receiving my new card an account number. I received more unauthorized charges from the same merchant. I once again contacted cash app dispute the charges still with no resolve from either parties and still have not been credited or refunded.
Consumer complaint received 2024-01-13
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 ( Accounts names XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights. 

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 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX locked my card against my will, then they refuse to unlock it, despite me sending in numerous times requested documents to them, for them to review it just for them to request the same documents if not new documents every 48 hours, now their asking me for unobtainable documents like a beneficiary id and a poa, as if Im XXXX, every time I call they tell me the same thing, without any results, my job keeps depositing money to my account and the card company keeps not letting me access it or even transfer it to a different account, they dont even let me talk to their review department either, I dont know what to do anymore, the account now has over XXXX XXXX in it and will keep growing every time I go to work. Please help
Consumer complaint received 2024-06-10
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. (TX)

Recently, I reviewed my credit report and found multiple items that caused me significant distress. These items appear to be unverifiable, invalid, inaccurate, and questionable. It is evident that your agency did not ensure these entries were 100 % accurate. 

According to the Fair Credit Reporting Act, all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies. 

I am attaching copies of all relevant correspondence for your review. Please address these discrepancies promptly to ensure my credit report reflects accurate information.
Consumer complaint received 2022-11-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE 1 INCORPORATION (MI)

XXXX  XXXX  was our leading company. We bought a home for XXXX and put XXXX down plus had seller pay XXXX of our closing cost. XXXX XXXX had us bring XXXX to closing table and our mortgage is XXXX, XXXX they gave us an approval letter with XXXX XXXX to close and also lied about us supposed buying down points which was a lie. The mortgage rates weren't even that high. We were stuck because we already put in offer and put XXXX down. We closed on the XXXX of the month which they said would make it cheaper another lie. Why is our mortgage XXXX from XXXX when we put almost XXXX down it should be XXXX. plus there friend did appraise on house and we received nothing but its worth XXXX? How the roof had a 2 foot by 2 foot hole, plumbing was wrapped in tape appliances we destroyed on inside and roof has leaking in 2 bedrooms and in kitchen sane for garage.
Consumer complaint received 2024-06-11
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)

I would like to follow up regarding the presence of late open accounts on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. At that time, I provided all the necessary documentation to demonstrate that these late payments were not valid or were the result of extenuating circumstances. However, despite my efforts, these late open accounts continue to be inaccurately reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The presence of these late open accounts not only violates the FCRA but also undermines my ability to access credit, secure loans, and make sound financial decisions. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. With this, I am asking for your assistance to correct accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: American Credit Acceptance, LLC (MI)

I entered with XXXX XXXX XXXX XXXX XXXX XXXX, For the purchase of a XXXX XXXX XXXX XXXX XXXX, which entered into XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MI XXXX I have XXXX contracts in place with XXXX XXXX XXXX XXXX XXXX XXXX. These contracts are in violation of 12 CFR 1026.23, 15 USC 1605, 12 CFR 360.6, 17 CFR 260.11b-6 section 311 ( b ) ( 6 ), 12 CFR 1026.4 XXXX XXXX XXXX XXXX XXXX XXXX has intentionally withheld pertinent information in order to complete the sales of the finance charges such as the disclosure of my right to rescind. 

As a result of the violation of these Federal Regulation Codes, without further ado, XXXX XXXX XXXX XXXX XXXX XXXX is obligated to rescind the contracts. 

( American Credit Acceptance Lien holder )
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Because of the annual XXXX, in order to make money, I went to collect tickets, sell them to others, earn the difference, may have been using XXXX, and then my account was closed, I used Chase for many years, I like this bank very much, I only use this bank, I was inexplicably closed, I hope to re-open the bank account
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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.