davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP (CO)

my parents have checking account with US bank. My father was financial one.They were overseas and father died in XXXX. XXXX is sick staying in XXXX ca n't make it back. We arranged for me to be her POA and file that with US bank. There were unauthorized charges made on mom 's debit card. We have filed this with fraud department. her card was cancelled and took 2 months to receive new XXXX after numerous calls which XXXX cost my mom {$250.00} because calling from XXXX. Bank 's free ph # did not work from my mom 's location.Here only access to her funds is with her debit card getting money from atm. We have repeatedly told US bank not to use her temp address in XXXX as it prolongs any procedure. She has local XXXX XXXX XXXX that we supplied bank with. And again some form necessary to return in given time was mailed to XXXX which resulted in not being returned on time and her card is on hold so again no access to her funds and to her social security checks! This time I tried calling again fraud dept after 40 mins and after XXXX different people no one could help me and I got hang up on. Local branch ca n't help I was told we have to deal with fraud dept. I tried calling again after 15min hold I had to hang up I 'm at work and ca n't spend half day on hold. This has been the worse institution to deal with ever and specially considering it is about my elderly sick mother who is still mourning her husband and should not have to deal with this! This is just a nutshell we have been dealing with this since XXXX XXXX, 2016. I am very disappointed and do not know what else to do to get this solved.
Consumer complaint received 2024-01-06
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. (NV)

In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XXXXXXXX  have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX The specific items are reiterated below for clarity : XXXX 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 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Green Tree servicing, My complaint is on Green Tree servicing, on behalf of my mortgage modification. It all started in XXXX 2014 when XXXX XXXX XXXX sold my mortgage servicing to Green Tree Servicing. Since XXXX I have been trying to modify my mortgage with Green Tree and have not had any success. I gave them the proper documents for proof of income and bank statements that they required and months later found out that I do n't qualify and they denied my modification. When I received the denial letter they stated do to the income my wife and I make we do not qualify. They also fabricated my home value stating my home was worth {$230000.00} when I owe {$220000.00} clearly showing I have equity. This is false because In XXXX 2014 when they took over from XXXX XXXX XXXX, XXXX mailed me there appraisal on my home stating that my home was worth {$160000.00}, so how in XXXX can my home go up in value that much. Their other fabricated lie was the amount my taxes was for the year that get escrowed. They stated my property taxes alone was over {$5000.00} a year when my taxes the past few years has only been around {$2500.00}. So when they add these ridiculous figures making it unreasonable to have a payment within their requirements. They gave us XXXX days to appeal there denial and I did and also presented proof of these fabricated figures to present my case. It is now going XXXX days since my appeal and still have n't gotten an answer and since then I have a trial date with them to attend court for a foreclosure. There is people and families making less than my wife and I are and getting mortgages and modifications. To give you an example we are making in the bracket of $ XXXX {$100.00}, XXXX a year. There is also no debt other than a car payment and regular house expenses we can clearly afford a mortgage payment. When we first fell behind a few years ago yes we were n't making what we are and we were struggling. My wife has since finished school and has a good steady job and I have since switched jobs as well with a more stable company and we are with our new jobs for over XXXX. It seems that Green Tree is another bank not willing to help families stay in their homes all they do is lie and find a way to turn everyone down. It 's a shame that our government lets these banks operate like this and steal people 's homes that they worked hard for. My wife and I built this home over XXXX yrs. ago and made our home our family home while raising our children and would like to continue doing so. All I want is a solid real modification and a chance to keep our family home. All I get when I review these mortgage companies negative feedback same story it 's a shame.
Consumer complaint received 2024-01-05
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. (NJ)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (VA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-01-05
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. (LA)

XXXX XXXX this is the wrong name. 
XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XXXX PL XXXX LA, XXXX XXXX XXXX XXXX XXXX LA, XXXX never lived at any of these addresses result of identity theft ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX the only familiar number is ( XXXX ) XXXXbbecause it is my old phone number but still needs to be removed the other XXXX are results of identity theft when I was under the age of XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX Both accounts are results of identity theft when i was under the age of XXXX and are the only XXXX that haven't been removed from my credit. 
I don't know if it's still on mt report, but my birth year was also incorrect it should say XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

for weeks, people claiming to work for XXXX XXXX have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.
Consumer complaint received 2024-01-06
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-01-05
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. (AZ)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-06
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. (TX)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Name, place of residence and place of employment is wrong. 
I would also like it to somehow reflect that I have been renting from XXXX XXXX XXXX since XXXX and that I have been working for XXXXXXXX XXXX  since XXXX of XXXX. And that my legal name is XXXX XXXX XXXX.
Consumer complaint received 2023-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Consumer complaint received 2024-04-27
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. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-27
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XX/XX/2022
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

I was taking taxi from XXXX airport to the hotel on XX/XX/2023. Taxi driver card machine was not working. He asked his colleague for a different machine, which also was not working well in the beginning. So, instead of XXXX $ for a taxi ride, I was charged XXXX XXXX Obviously, it was a mistake. I didn't get the receipt from taxi driver. I called Chase bank immediately when I came to the hotel & they returned me the money. 
However, today Chase reversed the claim & charged me for XXXX $ again. I called the bank again & explained the situation. They asked for the receipt, which I never had. They said to call taxi company in XXXX XXXX I can't find their information. It's impossible for me to find the phone number for this company. 
I was told previously by Chase that they can track the transaction & take care for it. Now they are refusing to cooperate & basically I paid XXXX $ for XXXX minutes taxi ride. I was a client of Chase for many years & they are not helping at all now.
Consumer complaint received 2024-04-05
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: MOHELA (ID)

I do not have any loans prior to Fall XXXX semester, which is in good standing. My spring XXXX loan is the one that is very messed up. I have XXXX XXXX XXXX XXXX XXXX  and interest has been deferred on all student loans until XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I was not contacted by the provider, Mohela, at all and they did not contact my references. I got an email in XXXX stating that my loan has been transferred to them and welcome. XXXX XXXX they sent me an email stating I can setup my online account. XXXX XXXX they email stating they have been trying to contact me via mail and phone calls ; this is completely false. I never got a single piece of mail from them and not a single phone call. I signed into my account shortly after receiving the email that they haven't been able to contact me and there were no notifications. I verified that all of the information is correct. By XX/XX/XXXX, they have sent a notification to my credit report saying they havent been able to contact me and it dropped my credit score 1XXXX points. I have contacted both Mohela, sat on hold for hours with no one ever picking up, and XXXX twice disputing this credit score update. XXXX closed my first dispute stating that they tried to contact Mohela but they havent responded even though its been over a month. The second dispute, they wrote that Mohela was able to get ahold of me. I was the one who contacted both Mohela and XXXX, not the other way around. My credit score still hasnt been updated. I went from an excellent credit score with all of the correct marks to poor. No one is fixing it. I have contacted my school, XXXX, Mohela, and this agency so far. I will have to get a new or renew my lease for my apartment soon so I need my score to be updated before then.
Consumer complaint received 2024-02-07
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-01-06
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. (GA)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-06
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.