davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
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. (NC)

Since pulling a copy of my Consumer credit report 1 year ago, I noticed that this credit reporting agency was and still is in multiple violations and I am entitled to monetary compensation Under FCRA United States XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the noticed under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

For the better part of a year, this agency stalled, neglected to respond, and failed to provide me with proof of in detailed actions ( signed contracts, itemized bills, etc. ) taken by this agency to verify the debt from the creditor, Resulting in an unbearable financial impact on me and my family and inability for me to qualify for a home loan. I have kept proof of every letter sent, the XXXX this agency did not respond, did not comply with proper deadlines and receipts of the financial burden this has caused me while disputing these inaccuracies. 

I myself have been able to spot inaccuracies, fraudulent reporting and even cycled ( cycling back and forth the debt under XXXX subsidiaries owned by the same company ) and doubled reporting by a certain collection agency on my credit report. 

I've also noticed the following XXXX. Lack of Validation : I have not been provided with sufficient validation or verification of this debt as required by the FCRA. I demand this be removed since you have failed to provide detailed information validating the debt, including the original contract or agreement with my signature, proof of the debt 's ownership, and documentation illustrating the chain of ownership. 
XXXX. XXXX XXXX : The reported charged-off amount and related dates do not accurately reflect the account 's history. There are discrepancies in the reported amounts and timelines, which contradict the actual details of the account. 
XXXX. Compliance with XXXX XXXX : The reported information does not comply with the FCRA 's reporting guidelines. There XXXX be violations in reporting this information, leading to inaccuracies on my credit report. 
XXXX. There is a fraud alert on my account since 2018 where proper documentation had been provided at the time to protect my identity.
Consumer complaint received 2024-05-10
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. (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 2024-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I noticed a collections on my account for {$500.00}. Information listed is for XXXX XXXX XXXX account XXXX. This is not my debt and this violates my rights to have this random collection account on my profile. I dont have any debts with this company and have never done business with them. Please delete.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2018-02-15
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: CITIBANK, N.A. (MD)

I received an email earlier through XXXX XXXX was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with Sears not as reported by CBNA/SEARS through XXXX XXXX XXXX  for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.
Consumer complaint received 2024-05-10
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. (UT)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-07-31
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a bankruptcy on my credit reports, which is in violation of consumer protection laws. 

Upon reviewing my credit reports, I discovered that there is a bankruptcy notation inaccurately listed. This erroneous reporting has significantly impacted my ability to access credit and has caused undue distress. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Under the FCRA, consumer reporting agencies are required to maintain accurate and up-to-date information in consumer credit reports. Furthermore, the FCRA mandates that consumers have the right to dispute inaccurate information and request an investigation to correct any errors. The inaccurate reporting of a bankruptcy on my credit reports directly violates these provisions. 

Additionally, the ECOA prohibits creditors from discriminating against applicants on the basis of bankruptcy status. By inaccurately reporting a bankruptcy on my credit reports, the creditor in question is potentially violating this law by using misleading information to assess my creditworthiness.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-05-10
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. (GA)

I

did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The inquiries were not authorized by me. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Inquires 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 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 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 XXXX Please remove it from my credit report
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

I received a notification from Linebarger Goggan Blair & Sampson, LLP that I had owed {$90.00} for an unpaid toll in Delaware in XXXX. This is the first notice I've received regarding an unpaid toll and I had tried to respond right away last week a few days after I had received this notice. 

After a complaint through the XXXX XXXX XXXX, they had speculated that I had either run a toll or had insufficient balance as an XXXX XXXX customer, which made no sense since the day of the alleged toll violation, I had paid every single XXXX XXXX toll from NJ to Florida and back and had no reason whatsover to skip a toll. My XXXX XXXX is attached to my winshield and I commute daily to work using the XXXX XXXX XXXX with XXXX toll violations or account lapses ( I have it set to auto replenish funds ). I also would have certainly opted to just pay the {$4.00} had I received any actual notification, which they failed to prove they had sent to my address. They also failed to send any photo proof of my vehicle driving through that toll booth. When I tried to communicate and ask for proof of the violation & /or attempt to pay the {$4.00}, they made it extremely difficult to even get in contact with this collection agency. They had asked for a written letter to be mailed out or a fax and did not accept email. It's XXXX and they are still using paper mail and fax machines, which is insane in itself. 

Again, I'm looking for some type of resolution or reasonability here. Forcing people with good credit, long time XXXX XXXX users, and clean driving records to pay {$90.00} for a {$4.00} toll is nothing short of extortion. Expecially when they can provide little or no proof of the violation & /or any postmarked communication to my residence.
Consumer complaint received 2024-05-10
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - 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 2024-05-10
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX  XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MD)

On XX/XX/XXXX I open the Robinhood app to find out that my account has been restricted and frozen and that I can not make any withdrawals this frustrated me. They said they wanted a selfie. I sent a selfie immediately. I expected my account to be opened up immediately. This is when the trouble happened. They have frozen my account since I sent in the documentation proven it. I was then told on the app that my account would be opened by XX/XX/XXXX after review by XXXX team. It was never opened on XX/XX/XXXX as I am here typing this complaint on XX/XX/XXXX. That wouldve been XXXX to XXXX business days from my original complaint to Robinhood on XX/XX/XXXX but instead they push it back from XX/XX/XXXX, to the XXXX, to the XXXX, to the XXXX now the XXXX. I speak to Robinhood on the phone finally and they send me multiple of the same automated email from different employees. All not doing anything to further my case along : Hi I hope you're fine and doing well while reading this email. My name is XXXX, a member of Robinhood 's Support Team.

Thank you for reaching out!
Were still reviewing your account. We may request documents in the app during our review, so please continue to monitor your app and reply to any requests. 

Youll also hear from us by phone or email soon after weve completed the review. If we need any additional documents or have status updates well send updates to the email or call the phone number on your account. 

Thank you for your patience! 

Sincerely, XXXX XXXX Thank you for reaching out and providing that information.This is XXXX a member of Robinhood Support team. 

Please call us within the next XXXX business days between XXXX - XXXX XXXX, XXXX XXXX XXXX, so we can assist you as quickly as possible. 

When calling in, please reference the Case ID located at the bottom-left corner of this email. 

You can call us at XXXX while your support case is open, or you can call us through the Robinhood app by following these steps : Select Account ( person icon ) Select Menu ( XXXX bars ) or Settings ( gear icon ) Select Robinhood Support Select Contact us Select Account management Select Account security Select the most relevant topic to your situation Select Contact Us and choose the phone option We look forward to speaking with you soon, so we can resolve this for you. 

Sincerely, XXXX Now once I contact them, the trick is my customer ID gets changed every time I speak to a new representative so they never know that I called in the first place they are playing games. They are not keeping track of my complaints in a professional matter but wants to keep my money frozen, please assist me in getting my money back. Unrestricted, unfrozen and able to withdraw so I can leave this company. 
My biggest issue and complaint is that I have sent in all documentation to Robinhood to prove that I am human. I am me and I am the owner of the account, but they will still not unrestrict my account please for the love of XXXX help me.
Consumer complaint received 2024-05-10
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. (OH)

I followed your instructions to contact the company responsible for placing this inaccurate charge-off account on my credit report. However, despite my efforts, the furnisher did not respond to my inquiries I am writing in response to the verified no change letter I received regarding the charge-off account on my credit report. 
XXXX XXXX Account Number : XXXX Reason : Payment history is completely inaccurate across all XXXX credit bureaus. 
Instruction : Please Update to Pays Account As Agreed XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp (TX)

For XXXX XXXX : XXXX. We have had Insurance through XXXX on the property since XXXX. In XXXX, Security National bought Insurance for us through their parent company, XXXX XXXX, DESPITE us submitting proof of Insurance several times through their third-party, and faxing to them many times. They kept telling us they didn't receive even though we had proof. AFTER buying it in XXXX, they had to refund it to us after we proved we had it. They did the SAME THING in XXXX despite us sending them PROOF OF COVERAGE FOR XXXX numerous times. It was the same Insurance Company and we followed the same process and have tried to get a refund the mistaken payemnt several times but they have sold the loan and have stolen our funds and their customer support staff is clueless. I sent the proof of coverage ( attached ) and have asked the mt o fix it but they are clueless and have stolen our funds.

See attached : XX/XX/XXXX : They bought Hazard Insurance for {$4700.00} from Security National saying we didn't have Insurance but we did and sent it numerous times. 

XX/XX/XXXX : they paid our new Insurance Provider {$1600.00} from escrow for XXXX. 

SEE MY ATTACHMENTS THAT I HAVE SENT TO THEM MANY TIMES. 

NOTHING WAS RETURNED> They never refunded the insurance they bought from their own company and it's theft.