davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from XXXX 's. Which result in a big drop in my credit score
Consumer complaint received 2024-04-22
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. (OH)

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXXXXXX. XXXX
Consumer complaint received 2024-01-04
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. (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number 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 an account without my written instructions.
Consumer complaint received 2024-04-22
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)

To Whom It May Concern : I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, ZILCH, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). 

Here are the accounts in error : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this erroneous late payment IMMEDIATELY! 


Also, pursuant to 15 USC, section 168li ( d ), please notify me in writing when these accounts have been removed or corrected. 

Thank you so very much for your help and support.
Consumer complaint received 2023-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I am filing this complaint, on my previous mortgage company, Wells Fargo Home Mortgage I have been in my home for 25 years. Wells Fargo Home Mortgage has been my mortgage company for the entire time. Since day one Wells Fargo Home Mortgage has paid my homeowners insurance annually, then billed me monthly for the coverage. Wells Fargo sent me a letter, via regular mail, advising me that my mortgage had sold and that I would be making my monthly mortgage note to XXXX XXXX XXXX XXXX. They also advised me that everything would remain, IDENTICAL. Except who I paid and where I sent the check. I was ok with the fact that my mortgage had sold because Wells Fargo Home Mortgage SAID EVERYTHING WOULD REMAIN IDENTICAL.On XX/XX/2023 my house caught on fire, the fire engulfed 75 % of my home, thank GOD WE ALL MADE IT OUT OF THE HOUSE IN TIME. I called XXXX XXXX XXXX XXXX to inform them of the fire and wanted to obtain the insurance companys phone number and contact. It was then, that I was informed that they had only placed lender insurance on my home. I was in shock and disbelief that no one notified me of this change, and that the rebuild and compensation for all my belongings were not covered on their lender placed insuranceWells Fargo Home Mortgage said everything would remain identical, but XXXX XXXX XXXX XXXX obviously had different intentions like saving XXXX which is the difference in cost from full coverage home owners insurance and lender placed insurance. Their was no indication that they had dropped the full coverage, my monthly payment did not go down, that alone would of raised concern on my part. Its almost as though they were being deceitful in their actions, that indicates to me they may have a financial incentive for doing it! Every single year my Homeowners insurance was paid by my mortgage company, then it was broke down into monthly installments and added to my monthly mortgage note. Wells Fargo Home Mortgage stated everything would remain identical
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress  XXXX  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 2024-01-04
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: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My XXXX loans are still appearing on my credit reports ( XXXX and XXXX ) as active. These loans were discharged through PSLF and I received notice of this discharge on XX/XX/2023. It has been a significant time since this, including the arbitrary XXXX days stated by XXXX, and there is no reason why these are still appearing as active loans on my credit report. 

I have contacted the company multiple times and have not been able to get a coherent reason as to what is happening and why these loans are still on my credit report. 

I would like these accounts closed and loans removed from my credit report immediately.
Consumer complaint received 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX acc # XXXX date opened XX/XX/XXXX XXXX XXXX. acc # XXXX. date openedXX/XX/XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (CA)

IN XX/XX/2021, I WAS A VICTIM OF IDENTITY THEFT. I NEVER TOOK OUT A LOAN FROM THIS COMPANY " MONEYLION ''. THIS ACCOUNT DOES NOT BELONG TO ME. NOW I SEE IT ON MY CREDIT REPORT THE SCAMMERS/HACKERS TOOK OUT A LOAN OF {$890.00} I CHANGED MY BANK ACCOUNT. DELETED MY EMAIL. I ALREADY MADE A CLAIM TO ALL 3 CREDIT BUREAUS AND CONTINUED THE " FREEZE '' MY IDENTITY WAS STOLEN- PLEASE HELP IN CLEARING THIS FROM MY CREDIT REPORT. THIS ACCOUNT DOES NOT BELONG TO ME...
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2021 I purchased a medical procedure on an advertise 0 % financing plan for XXXX years if the full balance were paid by the promotion expiration date. In setting up the account I enrolled in auto-pay which recommended a minimum payment that was already prefilled. This auto-pay rate I assumed to be the rate in which I would remain complaint to the promotional terms. This was not the case, following XXXX years of auto-pay, the balance was not paid and I was automatically charged without warning XXXX years worth of deferred interest for not meeting the promotion rules. Auto-pay 's continued and no emails, letters, or correspondence was issued to alert me of this. As a result I was charged over $ XXXX dollars in deferred interest. The practice of making the recommended minimum payment amount in the lenders own auto-pay tool not complaint with the lender 's own promotion policy seems intentionally misleading and predatory.
Consumer complaint received 2023-06-12
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: GOLDEN 1 CREDIT UNION, THE (CA)

I am getting multiple HARD INQUIRIES on my XXXX app. 

1. Golden 1 Credit Union XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
Consumer complaint received 2023-09-25
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. (MA)

My name is 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.
Consumer complaint received 2023-10-31
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)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX Account # 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 an account without my written instructions.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Key Mortgage Services (IL)

My husband and I applied for a home loan with a company called Key Mortgage. 

On XX/XX/2023, XXXX of the employees of XXXX Mortgage named XXXX XXXX sent a denial letter for the loan with attachment of both my husband and my credit report. She sent this, without my husband or my consent to the real estate attorney, who in turn canceled the purchase contract of the home we were suppose to buy without our consent. We had other options to purchase the home but as a result of her negligent actions as well as the attorney, we lost the home.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

purchased airline ticket from XXXX XXXX using my American Express card on XX/XX/2023 in the amount of {$840.00} due to ill health had to cancel the trip then contacted XXXX XXXX and successfully canceled on XX/XX/2023 cancelation was completed within XXXX XXXX and XXXX XXXX guidelines XXXX XXXX has promptly issued full refund to XXXX XXXX I can see full amount credited in XXXX XXXX {$840.00} the XXXX XXXX does not list custom service phone number nor do they list customer service email on their entire site there is no way to request refund from them I've disputed the charge with American express and they are dragging their feet
Consumer complaint received 2024-04-22
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. (GA)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PR)

Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I purchased a {$500.00} gift card on XX/XX/XXXX or XXXX I can't use it. I called the number on the back of the card and was told me will sent me a replacement new card.After ten days I received this new gift card but I found this new gift card isn't a new card. it is actived when I received. and I called the card campany to ask cleint help me active this card but she said, I can used it directly. but after 1 hour, I try to used this card, it not work, I ask my granddaughter to call the card campany again, but they asked my name and my granddaughter 's name and they said the name was wrong and they told me to call them by myself and I have to call again and again, I don't know what happened to this hour why they always saying my information is wrong, not my name, I asked to verify my address to them, if it isnt my card, how would I receive this replacement card, and then their attitudes are very bad, they dont listen to the explanation at all, and dont Solved the problem, only repeated that the name was wrong, I asked for ownership, every time I called them, they didnt solve the problem, even didnt give me the case number, I sent them my information by email, but there was no reply, I just want my card back, the gift is a new {$500.00}, but the original card is no longer usable, it's been a month and I lost the receipt, I only have this new replacement gift card, it's {$500.00} Amount that doesn't work, I think they lied to me by not wanting to give me a new card.