davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows XXXX XXXX  Account Number : XXXX  Account Status : Closed Original Creditor : XXXX  Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : 2 months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), Equifax failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, Equifax did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, Equifax continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees.

3. Double Reporting of the Same Debt Violation : Equifax is currently reporting both the original XXXX account and the new XXXXXXXX XXXX XXXX account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees.

Requested Action : I request that Equifax take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX ) from my credit report as per FCRA 605B.

2. Remove the XXXX XXXX XXXX XXXX  account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report.

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations. 

Sincerely, XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TX)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (FL)

Description of Complaint : In XX/XX/2022 I paid a 6 month permium for my XXXX vehicle Insurance. When I authorized this payment I was clear with the XXXX Representative this was a one-time payment only and that I do not authorize any further charges on this card. In XXXX XXXX proceeded to charge my card for {$980.00} for my XXXX XXXX XXXX. I called the XXXX XXXX  Services and Filed a fraud charge. XXXX gave a provisional credit. Then on XX/XX/2022 XXXX took the credit away and charged me {$980.00}. I called XXXX and they sent me documentation showing that XXXX completed a reversal back to XXXX XXXX on XX/XX/2022 therefore my credit card showed have reflected a credit. have literally been on the phone with XXXX XXXX weekly as well as I have faxed numerous times the information showing XXXX that XXXX completed a reversal back to the XXXX card and due to non payment their is no Insurance active due to non-payment. XXXX refuses to credit my credit back along with the interest. XXXX XXXX has stolen {$980.00} of my money plus interest.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have disputed inaccurate information XXXXXXXX XXXX XXXX  collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX and Equifax XX/XX/XXXX reporting inaccurate information that can not be verified. The credit bureaus ( XXXX, XXXX, and Equifax ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-06-04
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX I saw a posted fraudulent transaction in my account for XXXX XXXX sent to XXXX that I didnt even know about until I noticed I was missing money. I did not receive any notification or authorization for the XXXX transaction of XXXX XXXX Got denied less than 24 hours for the dispute. Just dont understand why would I get denied. I never been a Victim of such fraud like this. I dont use XXXX XXXX I try not to use any apps like that. Also had another weird transaction with XXXX XXXX for XXXX $ on XX/XX/XXXX but won the dispute about that but not for XXXX. Im trying to understand how they got into my XXXX XXXX & XXXX but I didnt authorize anything. Made the dispute for XXXX XXXX transaction on the XXXX & they closed my other debit card & issued a new one. I made the dispute for the XXXX transaction on XX/XX/XXXX through the chat on Sofi app but it was received on the XXXX cause I got emailed about it. On XX/XX/XXXX XXXX from Sofi Bank basically said After conducting a thorough investigation, we are unable to provide a credit for your claim. Our investigation involved a review of the information provided during the claim submission, as well as an examination of internal account records. Additionally, we collaborated with the other financial institutions, and our payments processing network as necessary. This claim is now closed. Less than 24 hours of the dispute. That was to fast of an investigation.
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had multiple fraud transactions on my account from companies that are not authorized too debit bofa closed my account after they issued me temp credit i went ahead and submitted police report too bofa too no avail they have not helped me or refuse too help its been over 7 months now when i call claims department they say the same thing still waiting for someone too look at claim very unacceptable this is my money thats been debited without authorization.
Consumer complaint received 2024-05-11
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)

This account was charged off on the following date ( XX/XX/2020 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT INCLUDE AN ACTIVE PAYMENT HISTORY. This inaccurate information falsely manipulates the statute of limitations. This account should be investigated properly and deleted for the negligence and violation of my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (NY)

XXXX, Transunion, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, XXXX, or Transunion Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my XXXX Credit Report, Transunion Credit Report, and my XXXX  Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to XXXX, XXXX, and Transunion, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc. (NJ)

Tuesday, XX/XX/2024, Screen ID formerly known as In Quires Screening emailed me a notice of adverse action regarding my background check. Since then I have been unable to assume my duties at my job. After a month of trying to get a response from Screen ID, they finally review the information the obtained and sent me back a semi-corrected background report. Screen ID has acknowledged by this correction that they have made a grave error on their part but have yet to send any form of apology or remedy for the harm and loss I've suffered at their mistake. 15 U.S.C.1681 clearly states how vital the roles of reporting agencies are and the responsibility they have. I require for Screen ID to take responsibility for their actions that have caused my unemployment and financial difficulties due to their negligence. This mattered can be settled outside of court if they contact with a fair remedy otherwise I will be pursuing all legal actions. I want a response withing 1 week.
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC. (NY)

XXXX XXXX XXXX XXXX sent a physical paper mailer to an address of my employer, which is not an address I have ever used or entered anywhere, so this indicates they are crawling the internet and collecting incorrect, private information. The mailer they sent out promises " FREE STOCK '' and other dubious claims, which indicate this is very likely a ponzi scheme scam.
Consumer complaint received 2024-07-01
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. (CA)

I recently acquired a copy of my credit report from your bureau and I am disputing the accuracy and completeness of the following details. This incorrect information is negatively affecting my credit report, and I request that you promptly correct it. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The specific information I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

My daughter and I were the original lease holders for the vehicle. At the end of the lease, my daughter obtained new financing in her name only to buy out the vehicle. Hyundai issued a bill of sale with both of our names on it. The Virginia XXXX will not title or register the vehicle until they receive a corrected bill of sale that shows only my daughter since she is the sole party on the new loan. Hyundai is refusing to correct the bill of sale stating that since I was on the lease, their policy is to issue the bill of sale that includes me. That makes no sense since I did not purchase the car. Now my daughter can not get the car registered rendering it useless.
Consumer complaint received 2024-08-05
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. (TX)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|
Consumer complaint received 2024-08-04
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. (WI)

I was notified XXXX XXXXXX/XX/2024, that Transunion lowered my credit score by XXXXXXXX XXXX. I called them to obtain details as to exactly why they did that, and received no information from the agent I initially spoke with. He refused to provide information about the basis for the change, said he didn't have it and no one could provide it, then gave me generic possibilities, none of which were applicable. I then escalated the complaint to a supervisor, who said her name was XXXX, who was not in the US and was difficult to understand. She was also very dismissive of the the request for detailed information about the basis for the drastic reduction in my XXXX XXXX. She also stated no one there had the information and it couldn't be obtained. She stated generally that scores might not reflect for up to 6 months activity that could cause changes. I stated that all account balances have only decreased, that I following my activity very closely, and there was no reason for that kind of drop. I expressed concern about significant error or fraud on Transunion 's part as a monopoly with no accountability ( as was obvious from this call ) and demanded to speak to her supervisor. She refused to escalate the call. 

It is completely outrageous that this company, and likely XXXX and XXXX, can get away with making drastic, negative changes that affect people greatly without any explanation of what they are doing, and no accountability. 

I want to know EXACTLY what factors went into the calculation ( s ) that caused a XXXX XXXX decrease in a credit score because, as above, that can not be explained by any action I have or haven't taken, raising real concerns about error, corruption, and/or fraud by Transunion.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I got behind on my mortgage as a result of a long drawn out divorce and the resulting financial struggle. I had applied for a loan modification XX/XX/2016 and was told that I would have a temporarily reduced mortgage payment for four months and if I paid that amount on time for four consecutive months then they would send me the paperwork to make that amount permanent. When I purchased the home I was married but the mortgage was in my name only. The loan was in my name only. Due to the community property laws of Texas, my then husband was on the deed. I divorced him and as a result of the divorce decree, I was given the home and a special warranty deed was done to remove him from the deed. After my four month trial period, paperwork was sent with my name spelled incorrectly. Then they resent paperwork but had my ex-husband as co-borrower. I not only explained the situation but provided the documents. They said that XXXX XXXX required that although I called them and they said it was not true. The rule states that the ex is is required unless he is deceased or removed from legal liability. I provided the documents but they would not recognize them. I tried for months to get this resolved and then XX/XX/XXXX I was told it was a final decision and that I did not qualify without him becoming indebted for my house. I have been through several representatives and supervisors. I wanted to keep my house but feel like they are stealing it so they can keep the {$10000.00} I paid up front and re-sell it for more. Nationstar has been extremely difficult to deal with. Initially I could not get anyone to talk to me. The automated system sent me to a recording based on my account. I even drove over to their offices at one point. Then I asked for supervisors and got the run around and they would not even listen to common sense. It was as though just reading a script and not thinking at all. I have been told that it the title company or legal office who draws up the loan modification paperwork is the one that decides what documents are required and that most likely the problem or block is there and not XXXX XXXX.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (TX)

I was unable to change the phone number for my account through the Barclays portal. I called Barclays Customer Service which routes to a call center in the XXXX. I asked them for support to change the contact phone ( which was already associated with the account ) and they refused. They said the number was not associated with my name. Barclays Customer Service would not accept the telephone bill from my carrier as proof of my ownership of the phone number. The phone company 's billing statement lists my name, address ( same as for the Barclays card ), and the number. However, the representative would not accept this as the obvious proof. Instead, the representative from Barclays Customer Service demanded a copy of my SSN card ( front/back ) and a copy of my drivers license ( front/back ) in order to validate my telephone number. I pointed out this would be a gross privacy and security violation to provide those details and it would facilitate Identity Theft in the XXXX and elsewhere. The Barclays representative said the Drivers License and SSN cards ( front/back ) " are requirements of the CFPB ''. Not only was the Barclays representative asking for documents that bear no relations with my telephone number, but Barclays was also pretending to invoke the authority of the CFPB.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Consumer complaint received 2024-06-28
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. (IL)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.