davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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. (CA)

I did not authorize these bankkruptcies. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-05
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. (GA)

NAME : XXXX XXXX XX/XX/year> ADDRESS : XXXX XXXX CT, XXXX, GA XXXX TO WHOM IT XXXX CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND MY FAMILY AND I HAVE BEEN FACING FINANCIAL HARDSHIP. 


ACCORDING TO XXXX XXXX XXXX ( A ) ( XXXX ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 


THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY. THEREFORE, YOUR ORGANIZATION IS LIABLE. 

PURSUANT TO XXXX XXXX XXXX ( A ) ( XXXX ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 

XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

THIS IS ALSO VIOLATING THE IRS CODE FOR DISCHARGED AND CHARGE OFF DEBTS. ONCE THE DEBT IS IN THE CHARGE OFF STATUS IT AUTOMATICALLY BECOMES INCOME FOR THE CONSUMER AND IT IS UNLAWFUL TO REPORT INCOME TO CONSUMER REPORTS. 

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY. 

I AM DEMANDING YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAIL OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETER THE TRANSACTION TOOK PLACE OR NOT. 

PURSUANT TO XXXX XXXX XXXX ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND THE DELETION OF THE FOLLOWING ; XXXX CREDIT XXXX BANK XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX THANK YOU FOR YOUR COOPERATION. 

SINCERELY, XXXX XXXX
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I filed a complaint before and XXXX XXXX was helping me she did helped me get some of my money back. I submitted documents showing that fraudulent use of my bank account goes back to XX/XX/2017. She directed me to upload my bank statement and the police report. I have attempted to call her on numerous occasions and she have not returned my phone call. Talking to USAA call center Is like talking to a brick wall. Attached is a Letter from the USAA rejecting the rest of the money that is owed to me. USAA DID NOT GIVE ME SUUPORTING FACTS THAT MAKES ME LIABLE! This attached statement is not enough for me we are talking about 11,000 dollars!!!! USAA owes me supporting facts why I am liable for a person using a XXXX card THAT DO NOT HAVE MY NAME ON IT!!! and was getting money out of account! I can not even get them to close THIS ACCOUNT TRANSACTIONS ARE STILL GOING THROUGH! IT!
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I received a notice of lapse, from my insurance company in XXXX of 2023. I immediately contacted Carrington Mortgage LLC to inquire about the notice, as they are my mortgage company and are responsible for paying my homeowners insurance via Escrow. I spoke to several agent at Carrington to work on getting the issue resolved. I was told Carrington had mailed a check for payment to my insurance, to my then insurance company XXXX, on my behalf. I then Inquired with XXXX about the Notice of Lapse, and was told they received a check and would reinstate my Home owners insurance on XX/XX/2023. According to the insurance company Carrington put a stop payment on the check, which they sent for payment. This again caused an issue and they mailed another notice of lapse. I made another inquiry to Carrington, I was sent a confirmation of my inquiry, and shortly I received an email stating they had made contact with the insurance agent. However, I have now been dropped by my insurance company, and I am having a difficult time finding a company to insure my home, due to me being dropped by my insurance company. The companies that are willing to insure my home, are quoting high annual premiums. Much higher than my previous policy. This error on the mortgage companies behalf, has caused me undue hardship. Carrington has not taken responsibility for their error, nor have they made any real attempt to correct their error. My mortgage premium was previously {$1200.00} it is now {$3100.00}. This is a substantial increase, and has put a dent in my finances.
Consumer complaint received 2023-07-13
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: Zions Debt Holdings (IN)

Where do I start. My Person information was hacked via several companies since XXXX. XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and IHA ( XXXX ). I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. By : ( XXXX XXXX XXXX {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. As a consumers, the current resources the credit bureau have XXXX place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via theft.
Consumer complaint received 2023-10-09
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: Experian Information Solutions Inc. (NC)

Discovered I can not place a FTC report due to reporting, advised to report through CFPB. 
I did not consent nor authorize these companies for any service, at all. 
Called Experian to dispute several hard inquiries listed on my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

I signed a contract to purchase a new roof with XXXX XXXX XXXX. The salesman quoted one interest rate and said he would send it to a finance company. A few days later I received a letter saying credit was denied in spite of having a credit score of XXXX. I thought this was strange at the time, but XXXX said they had another company they would send it to. Thats how I ended up with XXXX XXXX XXXX at a whopping 9.99 % interest rate. The original amount of the loan was {$22000.00}. Because of the interest rate I began paying around {$1000.00} a month each month in order to pay it off as fast as possible. When I got it down to under {$5000.00} I took out an active cash card with XXXX XXXX, and called to pay off the account. They not only refused to take the card, but were verbally abusive. Something is very fishy with both of these companies.
Consumer complaint received 2023-11-26
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: EQUIFAX, INC. (IN)

I've asked this to be reinvestigate on XX/XX/XXXX and for Equifax to provide a method of verification. I received something 5 days VIA email from Equifax that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?
Consumer complaint received 2024-04-03
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 a account without my written instructions.
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: EQUIFAX, INC. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX has refused to comply with my opt out notice sent over XXXX month ago. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as XXXX XXXX XXXX where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Consumer complaint received 2024-04-03
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MN)

I am writing to file a formal complaint against Heartland ESCI for their horrendous loan servicing practices. Despite my loan being three years past due, Heartland ESCI failed to make any attempts to contact me or send me an invoice until this point. I was shocked to receive such an overdue notice, having never received any communication from Heartland ESCI about the loan. 

Since then, I have made numerous attempts to rectify the situation with the XXXX XXXX XXXX  and Heartland ESCI. While Heartland ESCI has put the loan in forbearance, they are still claiming that I owe the past due fees. I strongly disagree with this claim, as under the circumstances surrounding the COVID-19 pandemic, the loan should never have gone into repayment to begin with. 

I find it unacceptable that Heartland ESCI has taken such a negligent approach to servicing my loan. Not only has their failure to communicate with me put me in a difficult financial situation, but their insistence on charging me past due fees for a loan that was not supposed to be in repayment has only exacerbated the problem. 

I am filing this complaint with the consumer protection board in the hope that they will investigate this matter and take appropriate action to ensure that Heartland ESCI is held accountable for their actions. I urge the board to thoroughly investigate this matter and to take any necessary steps to protect consumers from similar practices in the future.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I was charged {$890.00} fraudulently by XXXX XXXX XXXX XXXX XXXX XXXX  ) via my Chime Account. I was told I would get a refund that didnt happen. Then I was told a month ago to wait 10 days for a provisional credit and that didnt happen. I spoke to a Supervisor and they said to wait again until XX/XX/29 another 10 days and that didnt happen. I spoke to another Supervisor on XX/XX/29 and they said wait until Monday, today. That didnt happen again. I want my money that was stolen out of my account.
Consumer complaint received 2023-11-25
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

New American Funding Broker Solution Inc, XXXX, XXXX XXXX XXXX, XXXX Michigan XXXX. I have two properties on one lot a front house and a newly legally permitted XXXX XXXX but they have different addresses. Insurance companies if there are 2 homes on l lot and they have different addresses they must have 2 separate policies. New American Funding refuses to acknowledge or pay for my hazard insurance from my impounded mortgage account. Recently, after many months they did make onXXXX payment on the guest house.but did not pay the hazard insurance on the the Front house which has an estimated value of {$900000.00}. I have been making the hazard payment since XX/XX/XXXX on the front house because New American Funding have not been making the insurance payments although they impound the money from my mortgage to do so.
Consumer complaint received 2023-04-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A credit hard inquiry has been fraudulently placed by Bank of America on XX/XX/2023 on my current XXXX credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted Bank of America, Bank of America stated they have no business with the inquiry showing up in my XXXX credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in XXXX XXXX XXXX XXXX. 
I also contacted XXXX via Phone number XXXX, XXXX XXXX, and XXXX online chat. 
But XXXX refused to delete the fraudulent credit inquiry from my credit report.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc. (IL)

I have received XXXX phone calls in the last week from Prosper. All of my payments are up to date, and when I returned the phone call today to ask why I was receiving these calls there was no documented reason. The person I spoke with, XXXX, informed me that they would make a note of a cease and desist regarding phone calls to my personal cell phone number. 

The calls I received occurred on the following dates : XXXX XXXX XXXX four calls XXXX XXXX four calls XXXX XXXX three calls XXXX XXXX four calls XXXX XXXX XXXX three calls
Consumer complaint received 2018-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (GA)

Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Loans provided to me by Amplify, funded on XX/XX/18 and XX/XX/18 in the amounts of {$1000.00} and {$2000.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX XXXX XXXX  is not licensed to make loans in the state of Georgia.
Consumer complaint received 2023-07-02
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. (IL)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.