davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/year> at about XXXX XXXX, I transfered {$360.00} from my CashApp account to my XXXX account. The money hit my debit card balance account at XXXX. But after 4 minutes it disappeared. I contacted XXXX and they said it was returned to Cashapp and would not give me a reason why. After many contacts with XXXX, they could not give me proof that the money was sent back to Cashapp. I contacted Cashapp and they opened an investigation to try to find my money. But the information I gave then from XXXX like the transaction ID numbers they gave me, all turned out to be of no help or show proof that the money was ever sent back to Cashapp. So they closed the investigation and told me to contact XXXX because they never received the money back.
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (OH)

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 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX XXXX I used the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as prescribed by the legislation, to formally inquire with the credit bureaus - specifically, TransUnion, XXXX, and XXXX. In response, TransUnion sent me a letter dated XX/XX/year>, acknowledging the receipt of my request but expressing concerns regarding its authenticity, implying that I may not have initiated or authorized it. They recommended that I either contact them by phone or visit their website to dispute the accounts, essentially bypassing the FCRA 609 Letter process. My letter, sent on my official letterhead, emphasized specific areas in my credit report that needed review, included five forms of identification, and made specific demands in accordance with the FCRA 609 Letter guidelines. 

On the other hand, XXXX confirmed the receipt of my FCRA-compliant letter and detailed their plan of action, adhering to legal requirements. I sent identical documents, including bureau-specific credit reports, to all three bureaus via certified mail. When I contacted TransUnion to seek clarification on their lack of acknowledgment of my FCRA 609 Letter, their representative urged me to provide disputed account details over the phone and firmly directed me to follow the instructions in their letter, which appeared to circumvent the FCRA 609 Letter process. I vehemently declined this alternative approach. 

On XX/XX/scrub>XXXX XXXX XXXX I submitted a complaint through TransUnion 's customer email address, promptly receiving a ticket number. As of the time of filing this complaint, I have yet to receive a response from TransUnion. 

Attached, you will find the following documents : 1. A copy of the FRCA letter sent to TransUnion ( and the two other credit bureaus ) 2. A copy of the letter I received from TransUnion in response to the FRCA letter I sent 3. A copy of the email sent on XX/XX/XXXX to TransUnion regarding this issue. A ticket number was assigned, but I have been unable to get any response to my issue from TransUnion
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: American Financial Network Inc. (DC)

I am requesting the applicable laws that explain how my loan was transferred and the terms of the loan was changed without my knowledge. It was changed from FHA to Conventional loan.The Mortgage company AFN changed the terms without me signing any documents. I was told that Company responded XX/XX/2023 RESPONSE TYPE Closed with explanation Company 's Response Dear XXXX XXXX, American Financial Network , Inc. ( " AFN '' ) sympathizes with any frustration you experienced in attempting to obtain your loan documents. Please be advised that we sent all of our loan files to you by email. If you have any trouble accessing them, please do not hesitate to contact us. The documents we provided also included the XX/XX/2023 notification letter that we sent to you and pertains to the sale/transfer of your loan. The letter indicates that XXXX XXXX XXXX currently owns your loan ( as of XX/XX/2023 ). The sale of the loan was done in compliance with applicable law. Please note that during the underwriting for your loan we discovered that your debt-to-income ratio and missing documents for your prior loan modification payments made your loan uninsurable for an FHA loan. AFN was still able to qualify you for a conventional loan. We thank you very much for obtaining the loan from AFN and for your military service. We wish you the best.
Consumer complaint received 2024-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (AZ)

I paid my mortgage XX/XX/XXXX. I didn't realize it but at the time they increased my payment due to escrow. I made my XXXX payment XX/XX/XXXX. They applied this to principal instead of my mortgage payment. I made my XXXX payment XX/XX/XXXX. I got a letter from my mortgage company ( Freedom Mortgage ) saying I was delinquent. I called to resolve this, and discovered the back payment that was due, which I paid XX/XX/XXXX. The agent assured me that I was no longer delinquent and that my penalty fees had been waived and that the amount paid to principal had been applied to my mortgage payment. I called again about a week later, and discovered that they had not waived the fees nor had they applied my payment. I was informed by this agent that it would be done in two days time. I called again today and the same issue. My credit score has also been docked by XXXX points.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a dispute to TransUnion on XX/XX/2023 for 4 items that was reporting on my credit report ( dispute is attached ) unlawfully. I requested for those items to be verified or removed by the credit reporting agency, Transunion. I sent verification request letters to each alleged creditor before sending a dispute letter to TranUnion. The verification request letters that I sent to the creditors, XXXX XXXX and XXXX went unanswered. But I received a " verified '' outcome from TranUnion past the 30 day response period allotted time frame. How can TransUnion verify information and I CAN NOT? There are 2 or more clear violations of the FCRA that has been committed. I have only named a few.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian llc. 15 U.S 1681i 1681i ). For example, the investigation must entail a review of all relevant information, and XXXX XXXX XXXX must " correct, modify, or delete that item of information '' if it is found to be inaccurate or can not be verified, and " maintain reasonable procedures to prevent the reappearance of the information.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 inaccurateAny person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greaterBy way of background, FCRA Section 604 ( a ) ( 15 U.S.C 1681b ( a ) ) establishes the circumstances under which a CRA may provide a consumer report to a user. Specifically, the CRA must have reason to believe the user has one of several enumerated permissible purposes for obtaining the report. they refuse me of my right they accoring to these accounts thats was under id theftIt is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection ... these account voliated my right acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-12
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: Experian Information Solutions Inc. (DE)

EXPERIAN HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS EXPERIAN JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Consumer complaint received 2024-05-13
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. (VA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I asaw money laundering going on in my name with Citizens Bank, I reported it & then saw activity going on in my name on XXXX computer screen & a HELOC I never used & took in myXXXX, I reported Citizens Bank, they came up with another amount of money I owed like in XXXX XXXX through XXXX I paid but hit hardasing phone calls saying I did not! I sent Citizens my bank statements, their statements & the checks cashed by Citizens proving I paid, but a few weeks later I got another letter saying I didnt pay after getting a letter saying sorry for the inconvenience! Citizens sent me a letter proving my point that my mortgage has been paid d sad ice XXXX ( because thats the year B I calculated & other legal agencies told me it has been paid. Once XXXX! I also Paid 4-6 times additional payments each year! A letter proving someone else has all my information was sent to me from the Office of the Chairman The individual put my entire social security # in the letter, said they look forward to doing further business with them & Im a XXXX XXXX  not in business as the letter refers & the signature is not mine!!! 
Cituzebs also has the date I purchased the home in XXXX & I have been living here as I bought on. XX/XX/XXXX! I got a HELOC I NEVER USED IN XXXX, Citizens writes XXXX & a mortgage loan in the amount of {$120000.00} also in XXXX which I didnt get & I was a victim of identity theft & as a result my credit score in XXXX Was a XXXX! Therefore all Their information is wrong & i keep getting letters saying they are escalating to the Office of the Chairman! 
I sent all proof to two ( 2 ) offices certified mail/return receipt requested & neither office received what I paid {$36.00}!? I also sent to t he r CEO, Executive Director & he coincidentally didnt get it at either addessss I sent evidence! 
I was to Told a para-legal, who is the only person I heard from is investigating for 6 years!? Every other bank in the country sees y if theft & fixes it except Citizens! I paid off my house in XXXX &, due to their illegal banking, I paid until XX/XX/XXXX! 
XXXXI put there were missed because according to what Citizens Bank writes, they say I Owe until XXXX & I oit my mortgage in XXXX & stopped Payments in XX/XX/XXXX overpaying approximately {$150000.00}!
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

Subject : Adverse Action Notice for Credit Limit Increase Request To Whom It May Concern : I am writing to you regarding the recent decision concerning my demand for a credit limit increase on my American Express XXXX XXXX XXXX account. Over the past few weeks/months, I have received unlawful violations of several credit limit increases notifying me that my request has been denied. As a conscientious consumer, I have thoroughly reviewed the reasons provided for this decision and have found them to be unsubstantiated and contrary to federal regulations and contractual obligations. 

Under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.2 ), creditors are required to provide applicants with a written notification of adverse action taken within a reasonable period of time after the action. While I appreciate the promptness of your response, it is imperative to note that the denial of a credit limit increase demand constitutes an adverse action under the ECOA and Regulation B.

Furthermore, pursuant to 12 CFR 1002.9, a creditor is obligated to provide the applicant with a written statement of reasons for the adverse action. Unfortunately, the reasons provided in your letter do not meet the regulatory standard. Specifically, the denial was based on creditworthiness discrimination, which fails to demonstrate a legitimate basis for denying my demand. 

It is essential to emphasize that the extension of credit, including any credit limit increase, is governed by principles of contract law. The completion and submission of the credit application serve as the consideration given by the applicant to create the extension of credit. By accepting the application and subsequently opening the credit account, a contractual agreement is established between the creditor and the consumer. Any adverse action taken without valid legal or contractual justification constitutes a breach of this agreement. 

Accordingly, I assert that the denial of my credit limit increase demand is both unlawful and a breach of contract. As such, I demand that you reconsider your decision and provide me with the credit limit increase demanded. Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to enforce my rights under federal law and the terms of our contractual agreement. 

I trust that you will take the necessary steps to rectify this matter promptly. Should you require any further information or documentation from my end, please do not hesitate to contact me as needed. 

Thank you for your prompt attention to this matter. I look forward to the betterment of our business relationship moving forward.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (AL)

Date Account opened ; XX/XX/2022 Amount Owed ; {$10000.00}. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with RMP Services LlC.They did not provide me with the original contract as I requested.
Consumer complaint received 2023-03-05
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: Experian Information Solutions Inc. (NE)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX Acct # XXXX {$770.00}. 

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

15 U.S.C. 1681 section 604A. Section 2 : 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 7 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 the information is inaccurate.
Consumer complaint received 2022-11-23
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. (GA)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated : XXXX XXXX Balance Owed : {$0.00} - This account was already deleted from the other Credit Bureaus and you have not rights continuing the reporting of these information. Your willful non-compliance with the FCRA continues to do harm on my Credit. Per FCRA, Credit reporting must be accurate. I need you to remove this account from my Credit File. 
XXXX XXXX Balance Owed : {$0.00} - The other credit bureaus have already cancelled this account, thus you have no right to continue reporting this information. Your deliberate non-compliance with the FCRA is still damaging to my credit. The FCRA requires accurate credit reporting. Please take this account out of my credit report. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law.
Consumer complaint received 2023-02-24
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. (CA)

in accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2024-08-10
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: BARCLAYS BANK DELAWARE (NJ)

On XXXX XXXX XXXX, an unknown person used my identity that stole to open up a credit card with Barclays Bank, a JetBlue Plus Credit Card. That same day, around XXXX XXXX, that individual used that credit card to make multiple round trip airline purchases between the XXXX XXXX XXXX airports and XXXX XXXX with JetBlue using my identity on back-to-back-to-back days. I did not authorize these purchases, nor would I be able to make these trips. The person also bought trip insurance. An hour later that person cancelled all three flight purchases and pocketed the money from the transactions. I separately called and cancelled the trip insurance. I have attempted since XXXX XXXX XXXX to report this credit card as a fraudulent account opened using my stolen identity. Barclays doesnt believe this was identity theft because the information used to open the credit card account matched my personal information. But that is exactly how identity theft works. The person steals your information, copies your persona, and then acts as you online making purchases you would never authorize, seeking quick refunds. and pocketing the money to pursue fraud elsewhere. I need Barclays Bank to resolve this because this is hurting my credit score, and Im not paying back thousands of dollars in purchases I never made.
Consumer complaint received 2024-05-13
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. (OK)

I desagree with the account listed below which still appears on my credit report, even after your investigation.I would like this inmediately re-investigated.The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Report Act. Public law 91-506, Title VI, Section 611.

Please provide the names and business adresses of each individual with whom you verified above so that I may follow up. Please me an update a copy of my credit report after you investigation.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-04
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. (MD)

Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you!