davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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. (NV)

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. 

Account name : 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 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 {$1000.00} closed 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 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.

Ive been a victim of identity theft and took all necessary legal measures to remove all fraudulent claims and accounts from my credit reports.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I contacted the credit bureaus about an inaccurate credit account by the name of XXXX under XXXX XXXX XXXX in a amount of {$2600.00} which does not belong to me.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I have had a security freeze with the three major bureaus for many years ( over 10 ) with no issues. For the first time since Equifax was breached, I attempted approximately six weeks ago to obtain a mortgage loan. I have a FICO of over XXXX. I am XXXX and have never had a ding on my credit. XXXX  and XXXX  unfroze my reports for the mortgage company with no issue. Equifax refuses to do so and the former method of using a PIN they provided in the past is no longer offered or working. I have sent them extensive documentation of my identity including an unfreeze form from their website along with my SS card, Global Entry Card, US Passport, utility bills, birth certificate, driver 's license, home deeds, etc ... by email, fax, and snail mail. I can not login to any of their sites as all it gives me is a phone number to call where I am on hold for hours. When I do get through they say they can not help me because my son 's name and mine is similar. That is why I sent in all the necessary documentation.The only response I received was an email about a month ago saying they were looking into it. I demanded they accelerate to a supervisor which they said they would do three weeks ago. I have not had any further response from them to my EIGHT follow-up emails. I am a former XXXX   and could not receive my loan due to Equifax not unfreezing my credit report. This is outrageous and certainly illegal behavior and I have suffered damages. Thank you for your consideration in looking into their egregious conduct.
Consumer complaint received 2024-03-13
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. (CO)

I am writing to dispute the inaccurate reporting of a Identity Theft on my credit report, which I have identified as a violation of the Fair Credit Reporting Act ( FCRA ). According to my records and confirmation from FTC, there is no account filed under my name, and the creditor should not report such information to any credit reporting agencies. 

I am a victim of Identity Theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) Identity Theft XXXX XXXX Credit bureaus must honor my request to remove fraudulent information from my credit report. This is called blocking. Once information is blocked, companies cant report the debt or try to collect it from me.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (WA)

Claim number : XXXX Card ending in : XXXX Account ending in : XXXX I booked a flight on XXXX XXXX XX/XX/2023. XXXX emailed me back within 15 hours of the booking to cancel my flight due to Overbooking. They also processed the refund in full back to the card for me the same day. Since then I never seen any credit back to my bank account. I then made a dispute with Chase on XX/XX/2023 for the reason : - Cancellation a one-time purchase and haven't received a credit as promised Chase gave me temporary credit right away. Eventually, on XX/XX/2023, they reversed the credit because they received the documents from the merchant saying : the merchant already provided the cancellation policy and term and agreement. I already agree to that when I made the purchase for the airlines ticket. HOWEVER, in this case, The merchant is the one who CANCELED the flight due to their fault of overbooking not me cancelling the flight. Also the cancellation is also within 24 hours of the booking. They also told me in the cancellation email that they already processed the refund for me. I sent in the cancellation letter from the merchant to Chase and Chase refused to pursue the case further and help me get the money back. They told me this is because the dispute reason when I originally open the dispute was wrong. They told me I should have open the dispute under : -The merchant never provided the product or service. 

In my opinion, these reasons are very wordy and confusing to the customer. As I understand, the ticket was cancelled by the merchant and they already told me in the email that they already processed the refund. That's why I dispute under not seeing the credit as promised. 

I called Chase dispute many time and they always refused to help. They just being rude and told me that's XXXX XXXX This is discriminating and XXXX. The supervisor name was rude is XXXX, I talked to him on XX/XX/2023 at XXXX XXXX  PT. 

I read the dispute rude and I am 100 % sure the reason and category that I selected are correct according to the support documents I have and submitted. Please help me get the money back. 

Best, XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

After XXXX disputed items on my report some came back as verified. I gave them a chance to cure and also ask to show me the contract I signed, they responded they don't have it. So I asked to prove that debt is mine or delete it. Attach is a letter I want XXXX and the original creditor to have. It's XXXX job to make sure items are 100 % accurate not just a simple, its verified and no investigation was made.
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Citi / AAdvantage Platinum Select World EliteTM MasterCard I have several issues with this card that started before the corona virus but now the main issues is I cant not reach anyone in customer service. I have called for days and wait on hold for 3+ hours and no one answers the calls. I have reached out via XXXX messenger and was told someone would call me and no one has called. I have also tried to reach someone via chat and that is not working either. This is the message I got on XXXX  and NO ONE HAS CONTACTED ME!!! >> " Hi XXXX, thank you for contact info. We are escalating to our Executive Response Unit. Please note that it may take at least 2 business days for our request to be received. In light of recent events this time frame may be a little longer. We appreciate your patience and understanding while we work to have your concerns addressed. ^XXXX  '' I am sick of this and the virus is no excuse because XXXX XXXX answers calls.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C 1681 section 602 A states, that I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting an agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-10-12
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. (MI)

XXXX account # XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had a XXXX  charge card. I paid it timely. XXXX changed banks and closed all cards and took their business to a new bank and we were all distributed new charge cards. I did not voluntarily pay off and close an account. However, Experian dropped my credit score XXXX points for closing the account.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-12
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. (TX)

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-10-12
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)

Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.
Consumer complaint received 2020-04-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

So I obtained a loan through usaa for a used XXXX XXXX. I was paying for the car till I went through some hard times the vehicle was purchased in XXXX where in XXXX it was repossessed the amount that I owe the for the car has changed between several amounts and on multiple calls it's a different amount. The amounts range from XXXX, XXXX, XXXX and XXXX every call to usaa over the years lead to a different number. After the repossession appox a week later the vehicle was returned to me and they still made me responsible 5 years later but without a clear amount that is owed. Also on my credit report it is being switched between being active and non active after placing it in a write off profit and loss. In doing so its keeping the account alive when it should be closed and at some times they switch it from write off to repossession after they've already repossessed and returned the vehicle.
Consumer complaint received 2018-05-07
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: AutoNation Enterprises Incorporated (CA)

DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XXXX/XX/XX/2016 I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's.  Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2023-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

Communication tactics ( repeated phone calls, used abusive language ) Electronic communications ( text message, email, social media ) Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Threatened to contact someone or share information improperly ( contacted employer, contacted you after asked them not to ) Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Didn't receive enough information to verify debt Didn't receive notice of right to dispute Notification didn't disclose it was an attempt to collect a debt
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I am writing to file a complaint against Rocket Mortgage and their agent, XXXX XXXX. My experience with Rocket Mortgage and XXXX XXXX has been extremely disappointing and frustrating. 

I had applied for a mortgage through Rocket Mortgage, and XXXX XXXX was assigned as my agent. However, the loan approval process was delayed for XXXX months despite providing all the necessary documents. During this time, XXXX XXXX did not provide me with clear and timely updates on the status of my application, which caused a lot of stress and uncertainty for me. 

Furthermore, when I tried to reach out to XXXX XXXX for assistance, he was unresponsive and unhelpful. I felt like I was not being treated with the respect and professionalism that I deserved as a customer of Rocket Mortgage. 

As a result of these issues, I am now filing a complaint against Rocket Mortgage and XXXX XXXX. I believe that their lack of communication and poor customer service has caused me significant inconvenience and frustration. 

I urge Rocket Mortgage to take immediate steps to address these issues and improve their customer service. I also request that XXXX XXXX be held accountable for his poor performance and lack of professionalism. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BMO Bank, N.A. (NC)

We started to get statements from XXXX XXXX regarding a past due amount due on a credit card for our company. We do not have a credit card with BMO so we called them to get information. They stated the card was opened 2 years ago and just recently became past due of {$8100.00}. I stated we have never had a credit card and to provide, charges, dates, where this card was sent to, etc etc. They refused to provide anything and kept either transferring or just hung up. They stated they would only provide information if it was paid off first. We called several times to report this as a fraudulent credit card or to get information. The more we spoke to them, the more it seemed that they XXXX was committing the fraud themselves.