davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

XX/XX/scrub>XXXX XXXX, I had reached out via phone to the company to make a payment on my account, at the time the women on the phone had submitted a payment, but when my next statement got generated, it was still showing a past due balance, I called back and apparently this had been applied to my other loan account. They said no one problem we can't apply it to the other account but we will send the payment back and you can make the payment again. Which I did and they still marked it late even though it was not an issue on my end. I will not be dinged for them applying the payment to the wrong account and never would have been late had that not happened and would have gladly paid an additional payment, had they offered that when instead they said to wait till the other payment got returned to me. I hope they'll correct this before I have to take this any further Including potential legal action.
Consumer complaint received 2024-05-21
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. (LA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-14
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (PA)

Trans Union continues to IGNORE my request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I requested rthe name ( s ) of the persons that your agency spoke to along with their address and telephone number.

Trans Union sends me XXXX form letters instead that does not contain any of the information that I requested under FCRA 611 ( a ) ( B ) 6 ( ) ( iii ).

In my request in accordance with this LAW, I requested all the records that would reveal ALL the procedures used that led to the 3 accounts that appear illegally on my credit report without my written instructions and thereby are an invasion of my PRIVACY as FCRA 602 states I have a right to privacy.Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions .I submitted my disputes CFPB # XXXX on XX/XX/year> Accounts : Trade : Portfolio Recovery # XXXX. Trade : XXXX XXXX XXXX XXXX accounts have also been illegally re- aged and appear on my report without my written instructions that also violates my privacy rights because neither account should be reporting without my written instructions in the first place. I disputed another account that was also RE-AGED as well as placed on my report without my written instruction because I gave no written consent to Trans Union for this account to report. 
I also disputed this account Trade : XXXX XXXX XXXX XXXX CFPB XXXX XXXX few times, and it was verified each time but each time my request in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) was IGNORED by Trans Union and I was sent a XXXX form letter each time that did not contain the information requested by LAW FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and Trans Union on occassion ignored the timely 15 day requirement. Again, REMOVE these accounts from my Trans Union Credit Report. 
Again, I am keeping careful records regarding my being a victim of your company and I am a sick man but I will continue to fight to have these accounts removed. I am sick and yet up at XXXX submitting yet another complaint.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed my credit report and noticed that I was a victim of Identity Theft so reached out to XXXX, XXXX, and Equifax on XX/XX/XXXX via certified mail. The Credit reporting agencies removed the items from my credit report and placed them back on my credit report with sending me any notification and without furnishing and written agreements between me and the creditor. Through this entire time, none of the creditors reached out to me with an explanation. So I reached out to my attorney and was advised to submit a CFPB complaint. If there were no updates or changes within 4 days then I will be pursuing monetary litigation at the maximum capacity. 

In accordance with Fair Credit Reporting Act the listed accounts has violated my rights : XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 Section 604 a section 2 : Also states, a consumer reporting agency can not furnish a account without my written consent 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After I paid a round trip to my son, spirit airlines blocked his return saying that my bank, Bank of America, had opened a dispute. After months back and force on phone calls and e-mails to my bank and spirit airlines requesting the amount forced me to pay in order to have my son back, spirit airlines return my money to the bank but the bank sends the money back to spirit, and the bank closed my case. Over over5 months trying to get my money back or from the bank or from spirit, but so far didnt have nothing. My bank has not showing commitment to solve my case and the customer service never give me a clear answer, steady they transfer the call for different departments until they talk to me
Consumer complaint received 2023-07-28
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)

CFPB + Equifax, I have filed several complaints on the CFPB to Equifax - Equifax says they have been resolved in their response- and as of this complaint they have not. 

Please see below : 1 ) Complaint XXXX - I stated the inquiry of XXXX XXXX XXXX XX/XX/XXXX was due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - it is still there as of XX/XX/XXXX. 

2 ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

3 ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX and XXXX  XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

XXXX ) Complaint XXXX - I stated the inquiries of XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX and XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX were due to identity theft - Equifax responded saying it was removed on XX/XX/XXXX saying it was removed - they are still there as of XX/XX/XXXX. 

XXXX ) Complaint XXXX - I stated the previous 4 above complaints filed- have not resulted in these unautholrized hard inquiries being removed due to identity theft. And, they are still there as of XX/XX/XXXX Equifax, you need to do exactly as the complaints have stated- to remove the unathorized hard inquiries due to identity theft immediately. 

You had said they are all removed- they are not. Remove them at once. 

Attached to this are : My drivers license My social security card
Consumer complaint received 2024-08-14
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom it may concern, I just recently looked at my credit report. I recently reviewed my credit report and noticed an account that was not reporting accurately. Can you reinvestigate the accounts listed below : XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Hard inquiry ( Finance ) : XXXX  XXXX via dealer. 
XX/XX/XXXX Hard Inquiry ( Auto ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Hard Inquiry ( Finance ) : XXXX XXXX. 
These Inquiries are negatively impacting my credit report & effecting my ability of accessing credit. the companies involved seemed to have discriminated against me, based on age & other factors. XXXX XXXX denied me access to my credit when i did not sign anything authorizing a pull. they stated denial based on credit history age. using the social security number for anything other than a financial transaction is not legal. XXXX XXXX, also pulled my credit without me signing any authorization, there app was confusing and it was the cause of the submission. i never wished to have them pull my social. i called them and asked to have it deleted and they did not comply. the denial based on credit history age is discriminatory. 
on XX/XX/XXXX i used XXXX while shopping. the site had a preauthorization for purchase, that stated no affect on credit profile. on XX/XX/XXXX, i went to XXXX XXXX XXXX & made a purchase with XXXX XXXX. Not sure why i have an inquiry from XXXX XXXX XXXX, if XXXX was utilized. XXXX  XXXX, i never contacted regarding myself. These inquiries are the direct result of concealment, discrimination & fraud. the reporting agencies refuse to help so i must come directly to the CFPB
Consumer complaint received 2021-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2023-04-24
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. (CA)

This is my follow-up 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 items 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, block the noteworthy of any information in my credit record that came about due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-20
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. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC (CA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD MY PERSONAL INFORMATION WAS USED WITHOUT MY VERBAL OR WRITTEN CONSENT OR HAVE I GRANTED WRITTEN INSTRUCTIONS TO DO SO.I WOULD LIKE ALL INCORRECT INFORMATION REPORTING ON MY CONSUMERS REPORTS AND CREDIT AGENCYS TO BE REMOVED AND DELETED PERMANENTLY AND INDEFINITELY ASAP!!! BELOW ARE THE FRAUDULENT INQUIRES :XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

by the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A I have the right to privacy.

15 USC 1681 section 604 section 2 : it also states that the consuming report agency can not furnish my account without written instruction 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 2024-05-09
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-09
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. (MA)

There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining
Consumer complaint received 2024-05-09
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. (MA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/24 i went to a XXXX dealership to lease a new vehicle and i was surprised with XXXX different hard inquiries on my credit report from banks i never authorize to get a copy of my credit.
Consumer complaint received 2023-10-02
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (IL)

My mother and spouse, lived in AZ when medical difficulties arose, and they set up a reverse mortgage from Champion Mortgage to help pay their bills. 
Within 2 years of the death of her spouse, Mom was found to have XXXX XXXX, and her Power of Attorney paperwork enabled me to liquidate her assets, pay off the reverse mortgage and all outstanding debt. About that same time ( only 2 years ago ) Champion Mortgage was sold to Nationstar Mortgage, AKA MR.COOPER. 

Mom 's current Medicaid application for her ongoing care requires a copy of her loan disbursement transactions, which I am requesting via this complaint. 

I am uploading her POA paperwork AND HER SPOUSE 'S DEATH CERTIFICATE as proof of MY POWER OF ATTORNEY status for her affairs. Please send a copy of the full loan disbursement of my mother 's account from CHAMPION MORTGAGE to me so I can submit it on her behalf to MEDICAID.