davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

On XX/XX/2018, I received a denial from XXXX XXXX Credit based on disapproval from EQUIFAX, reference # XXXX. I requested information substantiating said denial with my letter to EQUIFAX on XX/XX/2018 after two unsuccessfull online requests. Received last letter from EQUIFAX on XX/XX/2018 requesting documentary submission of a whole slew of personal information for their verification before I could have my credit report. Obviously EQUIFAX already has all my information in order for them to deny my credit application in the first place. So why the need for this unnecessary back and forth for more paper, when all that has to be done is provide me my credit score, its basis, and reasons on which they determined my XXXX XXXX credit denial? Isn't this the simple solution?
Consumer complaint received 2024-05-23
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. (FL)

This company has failed to comply within the required time allowed by law. XXXX XXXX is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX due to the response I received. 

This company has ignored myself for months on this matter. I am gathering all of this information for further litigation. XXXX is making money off me while maintaining my credit in the ruins and selling my information to third parties.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Good night! I am making this claim, because the Bank of America has doubled the charges on my account, for no apparent reason, I had a faith account now and one debit. I had to close the one now, because they charged me monthly, {$4.00} dollars for the savings account and the same amount for the debit account. 
In other words, they automatically deducted {$9.00} dollars from my accounts every month for having these two accounts with them, the same person being the owner of the account and not using the savings account, simply because they said it was for maintenance. 
I contacted them and tried to fix the problem and they only told me that they couldn't do anything, that they were company policies, because I had nothing left but to cancel the savings account and only keep the debit account, because it was a lot of money a month. They only agreed to cancel the account and gave me no other option.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Sigue Corp. (CA)

I made a shipment and they could not collect the money due to the company 's error. They told me that they were going to return it to me and when I returned, the company 's location no longer existed. 
I contacted them by phone and they told me that my money would arrive in a check by mail but it never arrived and almost 5 months have passed and I sent emails and no one answers me Sigue corporation
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

***CRIMINAL CONVERSION*** WIRE FRAUD*** EXTORTION*** EMBEZZLEMENT***MAIL FRAUD*** FAILURE TO FOLLOW THE RESPA *** FAKE CUSTOMER SERVICE*** RACKETEERING*** WE ARE THE VICTIMS OF LOAN FRAUD, IT STARTED WITH XXXX XXXX FAILING TO PROPERLY DISCLOSE THE HUD AND ESCROW DOCUMENTS, MISLEADING THE CONSUMER, WHEN WE BECAME AWARE THE EXTORTION, EMBEZZLEMENT AND RACKETEERING TOOK PLACE. XXXX XXXX AT XXXX XXXX AND XXXX XXXX, XXXX XXXX AND XXXX XXXX OF NATIONSTAR INTENTIONALLY, KNOWINGLY AND WILLFULLY TRIED TO NOT ONLY HIDE THE FACT THAT THIS LOAN IS FRAUDULENT, THEY WENT ON TO ADD FALSE AND ILLEGAL FEES AND EVEN FORECLOSED WITHOUT TELLING THE CONSUMER R MEETING FACE TO FACE AS REQUIRED WITH AN FHA LOAN ... INSTEAD THEY LIED ON THE PHONE AND IN WRITING IN AN ATTEMOT TO STEAL THE HOME FROM AN ELDERLY WIDOW. XXXX UPDATE ... XX/XX/17 ... WE TALKED TO THE PERSON THAT WRITE THIS FRAUDULENT LOAN AND THEY ARE WILLING TO TESTIFY AGAINST ALL OF THESE CRIMINALS THAT KNOWINGLY AND WILLINGLY VIOLATED STATE AND FEDERAL LAWS AND THE REAL ESTATE SETTLEMENT PROCEDURES ACT. WE HAVE ASKED FOR COPIES OF TAPE RECORDINGS FOR PROSECUTION AND ALSO THE IDENTITY OF THE SPINELESS, GUTLESS, CLUELESS AND SUPER CORRUPT SCUMBAG CRIMINAL ATTORNEYS ( SO WE CAN HAVE THEM DISBARRED FOR NUMEROUS, OBVIOUS VIOLATIONS ) AND THEY REFUSE TO COMPLY.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted XXXX numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested. 

They are trying to retaliate by not removing the incorrect kickoff accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus. 

In all XXXX credit reports the kickoff accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different. 

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. XXXX are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the XXXX accounts aren't removed they will suspend my contract. 

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from kickoff showing retaliation.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Hi ; I disputed a transaction made with PayPal for a XXXX purchase that the seller tried to scam me into making me pay for shipping when it was advertised as free shipping. A clean cut case. My money should have been refunded right away. Especially after XXXX had received notice that the product purchased was returned to the seller who tried to scam me. Meanwhile five days later, PayPal was yet to make a decision on this and I am without a refund or product. PayPal should be held accountable and to the same standards as any other financial institution and like any other XXXX XXXX XXXX XXXX. PayPals dispute process is not like that of a bank. PayPal makes the customer attempt to reach an agreement with the seller or merchant which I did and the seller began demanding I give him my number which I did not feel comfortable with talking outside of the XXXX app. PayPal needs held accountable for allowing customers to be scammed.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (OH)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} WFDS XXXX Balance Owed : {$17.00}, XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1100.00} Original Creditor : XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 2024-06-21
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX  Balance Owed : {$290.00} XXXX XXXXXXXX Balance Owed : {$9600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 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 receipt.
Consumer complaint received 2024-06-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NC)

Jefferson capital SYXXXX XXXX {$1000.00} requested original contract, bought debt did not show original creditor or contract XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$2700.00} Bought debt did not show original creditors or contract Hard inquiries that I did not authorize XXXX XXXXXXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX Finance XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX - XX/XX/XXXX XXXX XXXX ( Bank ) XXXXXXXX XXXX ( Construction ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX XXXX ( Finance ) - XX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion violated the Fair credit reporting act that was established to protect consumers. By reporting fraudulent information on my consumer report without my permission or conducting an investigation, has caused a significant impact on my score and my mental health. Under the credit reporting act, it clearly states in 15 usc 1681b that a consumer reporting agency may furnish a consumer report in connection with any credit that is initiated by the CONSUMER ONLY .... if ( A ) the CONSUMER AUTHORIZES the agent to provide such report to such person. Transunion was negligent in furnishing my consumer report in which is discriminatory and has caused me to be denied credit and to lose out on business opportunities and income.
Consumer complaint received 2024-05-04
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. (PA)

According to FCRA XXXX, it seems necessary to eliminate any inaccurate accounts from my credit report. Can you please review the documents? Some of the listed accounts contain inaccuracies regarding reporting, such as incorrect amounts and dates.
Consumer complaint received 2024-05-04
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-04
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
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: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a XXXX XXXX XXXX XXXX You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$370000.00}
Consumer complaint received 2017-06-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF HAWAII CORPORATION (GU)

As a result of a XXXX injury ; I am unfortunately faced with financial hardship which encompassed having difficulty in paying for my daily necessities, medical bills and various other financial obligations. This hardship came unexpectedly and even with the use of my wife 's income and the financial assistance of family members ; I simply ca n't make ends meet. After seeking medical treatment on XXXX from several doctors ; I was diagnosed with XXXX XXXX XXXX. Unfortunately, the XXXX needed was not available on XXXX I had no option but to seek medical treatment in the XXXX. I was seen at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. <P/>There I underwent numerous evaluations that included the following : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and an XXXX XXXX. ( The medical receipts have been included with this packet ). I was XXXX during the preparation as well as after the XXXX for several days. From there ; I was given clearance to be discharged and allowed to return to the hotel. I was however ; prohibited from leaving the country for an additional week due to possible XXXX. Upon returning to XXXX, I presented the XXXX XXXX XXXX the doctors approval to return to work. <P/>As of XXXX 2017, I have returned to the job however ; my salary was reduced significantly. <P/>Due to the situation I fell behind 7 monthly payments ( {$12000.00} ). Since my reemployment I have been making regular monthly payments ( {$1800.00} ). Bank of Hawaii 's resolution was to lower the monthly payments for a period of 3 months and at the end of the 3 month period ; I had to pay in full for the entire 7 months owed in order to avoid foreclosure on my home. They also offered a second option of paying double each month to catch up with the payments. I have informed them that this was an impossible task as I do not have the required funds. <P/>I would greatly appreciate any and all assistance or guidance you have to offer that would assist me in keeping my home.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, 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. (PR)

Greetings. I periodically check my credit on   XXXX   XXXX   and I have seen that there are hard inquiries that I didnt ask for. There are  XXXX  in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down  XXXX  points without my consent.  <P/>  This is what i found in my credit that i do n't recognize 1.   XXXX  /  XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   2.  XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   3.  XXXX / XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   - Thanks
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.