davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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)

I urge you to remove those inquiries attached on my credit report. I have no association with the listed creditor and did not authorize this inquiry. I believe this inquiry is inaccurate and may be a result of identity theft or fraudulent activity.
Consumer complaint received 2024-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (MD)

In XXXX of XXXX, an offer from New Rez mortgage was made to extend forbearance and have this put to the rear of the loan. 

In the XXXX of XXXX when I was to begin a XXXX XXXX XXXX XXXX division of New Rez mortgage had my use the trial payment monies to pay XXXX to repair to roof After securing a loan modification in XXXX of XXXX I was involved in accident that prevented me from work for 90 Days New Rez continues to chew up equity with unnecessary fees and threats of foreclosure New Rez poor or misleading information continues to be ignored and puts the blame on me
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS 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 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/year>
Consumer complaint received 2024-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (NJ)

On XX/XX/XXXX, I received a notification about my credit score change. I checked XXXX that displayed a debt in collections for {$190.00} from Sunrise Credit Services. I called Sunrise Credit and spoke to XXXX XXXX who was very rude. He advised me that the debt is from XXXX. I advised SCS that I never received anything regarding this bill. He stated that he text me and emailed me but admitted that they did not send out any written notification. I asked SCS what email address and telephone number that they used. Both the email address and telephone number ( a landline ) was incorrect. He stated that they did not send out a written notification although he stated the CORRECT address. 

I discontinued XXXX services in XXXX of 2023 due to it being expensive. I paid the balance of my bill via the phone which included a discontinue fee due to my contract was not over for another few months. I never received any additional bill from XXXX nor any written notification from SCS.
Consumer complaint received 2024-09-17
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. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

On XX/XX/XXXX, I suffered XXXX and was transported by XXXX to an emergency room by ambulance from XXXXXXXX XXXX TX Fire department. XXXX, my insurance, paid the bill on XX/XX/XXXX and XXXX XXXX XXXX accepted the check. There as a negotiated discount with XXXX and XXXX XXXX with XXXX XXXX determining the allowable amount. See attached settlement letter. 
XXXX XXXX XXXX ( for XXXX XXXX XXXX ) kept billing me for the discount. Each time I called they said they would discuss with XXXX. XX/XX/XXXX, they sent a final bill to me and sent the amount to collections. See attached invoice. 
In XXXX, XXXX I sent the settlement letter to Merchants and Professional Collections Burea, XXXX TX, who is trying to collect for XXXX XXXX XXXX, to prove the debt is paid. I told them to call XXXX if they do not accept the settlement. 
XX/XX/XXXX, Merchants and Professional Collections Burea reported the debt to the 3 credit rating agencies. See attached letter.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

old address did not live in 2 locations i did not close those 3 XXXX ok i was not aware consolidation was going to destroy my credit i was not aware that i was not going to get negative scores I was not late the company XXXXXXXX XXXX held back payments that i made to them they were negotiating with XXXX but i made my payments on time & XXXX XXXX lowered my credit amount because of this
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I sold some furniture to an unknown person. I received a check for XXXX by mail from this person and deposited at my Bank of America account on XX/XX/year>, by app. The person told me to take the cost of the furniture and send the rest via a postal check to someone else. I waited 3 business day to see if the check was credited. I called BofA on XX/XX/XXXX at XXXX XXXX  and after waiting more than 20 min a lady answered. I asked her if there were a possibility that that check would be returned, she assured me that there was no way that could happen taking into account the time after the deposit. 
I followed the buyers ' instructions and sent {$1600.00} in postal checks on XX/XX/XXXX to a person. 
Yesterday, to mi surprise, the deposited check was returned and I lost {$1600.00} due to the Bank of America representative assurance
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OR)

The day my social security check was direct deposited a bot tagged my account and credit karma froze my account for my own protection so I turned in everything that they requested except 1 picture because my wallet is missing and I was waiting for my check to get me id I explained to them and I sent in pictures of my id I had on my laptop some with me in it and some not they sent an email saying they wanted a picture of me holding my id under my chin after I explained about my wallet so I pawned my laptop and got a new state issued id which I submitted 6 days ago I notified them that I had health issues and needed to get medications including XXXX XXXX XXXX XXXXXXXX I have heard nothing from them there was no reason to freeze my account but there was no possible reason to take a week to compare my id to my picture with my id held under my chin incompetence I spent last night XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems like credit karma does this to almost everyone do you know how much interest they collect having that money sit there without being touched especially someone on a fixed income that basically emailed their account right after getting paid paying his bills I am also getting evicted for nonpayment because of them
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
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. (MN)

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/2024 that remains open and it's more than a month already. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Consumer complaint received 2024-10-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (NY)

I applied for a personal loan and was denied based on high utilization, according to the response. This occurred as I was literally holding my credit report in my hand, showing only 1 % utilization. I attempted to check my rate for a smaller loan instead, and was denied immediately without even being evaluated, per the emailed response, because I had already asked and been denied for bogus reasons. When Attempting to contact customer support, they were entirely unhelpful, transferring me multiple times without answering any questions or providing any explanation on why their reasoning completely contradicted my credit report. They simply disconnected the line after the first transfer without a word, refusing to assist me in any manner.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (AL)

On XXXX XXXX XXXX XXXX XXXX XXXX, I received an email from Chime ( it was a valid company email ) stating Welcome to Chime Immediately after this at XXXX XXXX XXXX, I received another email stating a new logon was detected from XXXX XXXX XXXX, Device : XXXX XXXX And then at XXXX Chime asked me to fund the new Chime Credit XXXX XXXX XXXX Credit Card None of these actions were taken by me and the locations are not mine. This appears to be common with Chime, so I am reporting for the records.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE (CA)

I received a call from XXXX XXXX XXXX  on XX/XX/year> stating if I opened up a credit card with them. I said no, they said because they suspected fraud and someone opened up a credit card of {$5600.00} and they tried to purchase furniture with it but they blocked it. I told them no i did not try to open up any account with them. XXXX XXXX cancelled the account and reported to you guys so the inquiry can get removed off my credit report as it is showing under my XXXX credit report. I checked my XXXX credit report and show another inquiry from brclysbankde and i searched them up and its a bank in XXXX. I called the bank and they said they dont have anything with my information but it is showing on my XXXX credit report as it being reported on XX/XX/year>. I put a freeze on my credit union account already but i would like to get the XXXX XXXX bank and Delaware bank removed from my credit report as it has affected my credit score. I called bank of XXXX XXXX on XX/XX/year> to confirm that my account is closed and they said yes.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : Chapter 7 Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MS)

Called the consumer credit line and requested the review and removal unauthorized inquiries made by these companies XXXXXXXX XXXX XXXX concord credit ) inquiry : XXXX. XXXXXXXX XXXX  unauthorized inquiry Republic Bank/XXXX inquiry : XX/XX/2024 did not contact this company no number found on credit report only address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX US Bank made an unauthorized inquiry on XXXX XXXX called this company and the automated service advised to call the credit bureaus for dispute  XXXX XXXX Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX inquiry Requested On XX/XX/2024
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-02
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)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX Listed below are the Inquiries that are being challenged DEPT OF ED - XXXX. 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 XXXX IN PERSONS OR XXXX XXXX XXXX  IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (MA)

XX/XX/24 Congratulations! 
Your loan application has been successfully approved for up to {$10000.00} from Prosper Loans Company in order to claim your loan application please kindly give us a text back with ( YES ) with your last 4 digits of your social security number. 
XXXX XXXX XXXX  Manager - XXXX XXXX ( XXXX ) Phone- XXXX ( XXXX ) XXXX Prosper Loans Company They asked for bank acct numbers to deposit loan amount. They deposited 2 counterfeit checks and bank seized my accts. Had me fill out phony loan papers and send copy of my drivers license
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has frozen my visa credit card and they insist that I must drive 40 miles RT to a financial center to unfreeze my account. I am XXXX XXXX XXXX and I do not wish to drive that far in traffic to clear up a problem. 
I have online banking with BOA. BOA has partnered with XXXX and they have installed this program without my permission. Someone attempted to transfer money out of my checking account, using XXXX. But I understand the transfer did not take place. I have never used XXXX and I don't intend on ever using that service. I have no idea how the fraudster got into my bank account but I suspect my cell phone provided the path. In any case putting a freeze on my visa card is not going to cure anything, and BOA partnered with XXXX is a huge problem. BOA actually invites fraud using XXXX. It seems BOA is forcing me to change banks to one that is local because of the fraud that they have invited. Long story short, I am not driving the distance to clear this up. Our town lost our BOA center and now all I have left is an ATM in the parking lot.
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

We purchased a XXXX property on or about XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). This property had a loan ; the loan was sold ( any time ) and ended up with. 

On XX/XX/XXXX, we updated our mailing address with the XXXX XXXX appraisal office. We have been at our current address since XX/XX/XXXX in California ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) We sold the XXXX property on or about XX/XX/XXXX. The mortgage balance was paid, and we received a settlement check. 

On XX/XX/XXXX ( 4 years after the sale was finalized ), we received a letter about an escrow fund that the Community Laon Servicing has helped us with since XX/XX/XXXX. I contacted them on XX/XX/XXXX ( XXXX XXXX at XXXXXXXX XXXX  and XXXX at XXXX ) to get clarification on 1-how come we did not get the funds, 2-where were no attempts made earlier to resend the check ( as they claim it was mailed out ) and 3-what would be the easier way to get the funds.

The summary answer was to complete the form, and the check will be mailed out 6 to 8 weeks after XX/XX/XXXX ( this is not a typo ). I Was also informed that the funds are held in an interest-free account. The agent I spoke to on or about XX/XX/XXXX just verbalized what was on the letter. I requested to be transferred to their legal department or a supervisor and was told they were busy. 

The Community Loan Servicing has been sitting on the funds owed to me ( and perhaps many other people 's funds ), collecting interest and not releasing them in a timely fashion. 
1-They made no attempts to resend the check ( after initially, supposedly mailed out ) 2-Clearly, there are no audits in the process to identify what happens to unchecked cash that stays on the books of a bank for over 4years 3-they provide no accountability for what the funds have generated 4-they office has no interest in holding the funds 5-they fail to distribute the funds in a timely fashion.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On XX/XX/2020 I paid for certified mail which contained 3 dispute letters for XXXX, XXXX, and Transunion. I did not receive any updates or findings about my disputes and it has been 7 days short of a year since Transunion and XXXX received the letters on XX/XX/2020 and XXXX on XX/XX/2020. 

I have attached pictures of my receipt for the certified mail to be sent and wrote the days the companies received and signed for the mail containing my dispute letters.