davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
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: EQUIFAX, INC. (FL)

I have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.
Consumer complaint received 2022-10-21
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account ending XXXX and account ending 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

On XXXX XXXX A fraudulent loan company called me that I thought was legit. They offered to give me a loan that I needed at the time. I went through steps of buying gift cards from XXXX while staying on the phone with them. I gave them my account and Drivers License details ( assuming they were legit ). They asked me to check my account for a test deposit before they distribute the funds. I checked and saw the deposits ( which made me feel they were even more legit ). Once the test deposits were there, they had me refund them, on XXXX gift cards. They assured me my funds would arrive to my account by XXXX. ( My bank is Wells Fargo ). 
XXXX  came and went with no funds added to my account. I chased and called then felt the gut feeling I had been scammed. Sadly, I was right. I received notifications from my bank at XXXX saying that my claims had been processed. It took me a while to understand what had happened. I now see on my statements where the test funding came from. 
I called my bank hoping to solve the issue and nothing happened. 
I thought everything was fine since money hadnt been taken from my account. 

Suddenly, the next month ( XXXX XXXX ) my landlord asked me why requested a refund for the XXXX dollar rent I gave her ( back on XXXX ) via XXXX XXXX. I told her, I had no idea what she was referring to. She told me the money had been taken from her account without even accepting the request. I saw that the request was made on my XXXX ( without my permission ) and that it would be refunded to me on a certain day. 
I informed her of the information and told her I would give the money back ( refund ) once it hit my account. 
I also had a gut feeling that it wasnt going to come. I called my bank and XXXX to rectify the situation ( I told them I got scammed and also let them and XXXX know I never requested a refund or filed a claim ) and have been going in circles. 

The claims department did a reversal provisional credit on my account for all the Claims filed ( by the scammers when they did the test ). And now I am overdrawn XXXX plus XXXX that I need to give back to my land lady. : ( ( All because I trusted and thought I was with a legitimate company.
Consumer complaint received 2022-12-07
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. (FL)

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Consumer complaint received 2022-12-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MS)

Pursuant to USC 1681 these accounts are damaging to my reputation, character, and violates my rights to privacy. This account furnised a false report and does not have my consent to report to ANY credit reporting agency. Any alleged documents or agreements from listed account ( s ) provides rights only to the credit bureaus which XXXX, XXXX, Equifax, etc. are not bureaus, but are assumed agencies pursuant 15 USC 1692a ( 1 )
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Filed first dispute with Transunion on XX/XX/XXXX because XXXX XXXX  reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - XXXX  made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with Transunion and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX  using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with Transunion XXXX and provided the screen shots, account information showing XXXX  removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX  with the agents name and location, and the date we spoke. Got results from the Trans dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work. 

I filed disputes with XXXX and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve. 

My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. Transunion needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We received the attached demand letter, on XXXX/XXXX/2015. After receiving a resolution letter from Nationstar on XXXX/XXXX/2015, we thought we resolved this issue. I called Nationstar Mortgage, Customer service did not know how to handle directed me to consumer relations. I called ( XXXX ) XXXX spoke with XXXX on XXXX/XXXX/15 & she said that she can not give any explanation nor any status and our Attorney has call on our behalf. I told her we do not have attorney representing us and she told me to write a letter stating so. We do not understand why they can not provide us straight answers. Nationstar is demanding {$9400.00} and we want to know how & why they came up with this amount as we have been sending in our monthly payments every month and have sent in cleared checks to prove the checks have cleared thru Nationstar.
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (SC)

To Whom It May Concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. 
The date of the letters is XXXX, the account number on the document is n/a and the alleged amount owed is XXXX. 
I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. 
Please acknowledge that you have received this notice within 14 days. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, SC XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, absolute resolution appears on my credit report. I didn't know who or what debt they were pursuing. So did debt recovery solutions. I have disputed absolute resolution twice. To figure out where this debt appeared from. They updated my account to say XXXX XXXX I never received correspondence from either company of my paying options. At first I thought they were the same debt. After contacting them to pay they are not working with me to remove this from my credit. They violated the fair credit reporting act. As I never received notification of the debt. Experian is not doing their job as well.
Consumer complaint received 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On or around Monday XX/XX/XXXX a member of our company deposited a virtual check via phone deposit. She is a member of our company listed on the secretary of state of Georgia. Her funds in the amount of XXXX were held and the account is facing closure for fraud... This was our first mobile banking deposit. 

I called a representative on Wed XX/XX/XXXX to get a urgent update on the funds, which cleared the senders account and bank of America is holding funds. 

He provided an insult as " it is not our jobs responsibility to care about the customers '' I immediately told him that was unethical and that is exactly what a banks job is.. He rebuffed my statement rudely and got off the phone. 

In other words he did not care that the money is being held with NO timeline on release. 

Also there is an ach that will be sent to the account on XX/XX/XXXX in the same members name, that we do not want to be held. 

The account also has an available balance of XXXX that is being held ... All funds are CLEAR. 

WE NEED ACCESS TO OUR FUNDS IMMEDIATELY AS THE REASON FOR CLOSURE WAS NOT FRAUD.
Consumer complaint received 2023-10-11
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. (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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (GA)

XX/XX/2018 amount XXXX. 
Merchants adjustment services is holding me accountable for a debt I've never heard of XXXX XXXX XXXX, I've disputed this action, but they still accuses me on my XXXX report, but no other credit agency has this on theirs, please remove this fraud of my account, thanks
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, 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. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( 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 instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,
Consumer complaint received 2023-10-11
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. (IL)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Credit Karma (MO)

I opened a Credit Karma Credit Builder account. Every credit to my account was always processed within XXXX hours before meeting my threshold. The last credit, that would have met the threshold amount, has been processing for 7 days. They will not release my funds or close the account. The account also did not increase my credit score as they claim. I just want my money and the account to be closed.
Consumer complaint received 2021-08-03
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. (GA)

Back in XX/XX/2021, XXXX XXXX XXXX  kept calling me about an issue and I was like why are you all constant calling me I don't have any products or credit cards with you. Come to find out my old roommate had got an account in my name.. I ask XXXX XXXX XXXX what I could do about just paying it because I was ready for this mess to be off my credit file. I was going through XXXX at the time. They instructed me pay the agreed amount and they would mark the account as fraud account and have account updated and removed from all three credit bureaus, and would possibly refund money back to me for the pmt. They never refunded me or removed account, they updated but never removed account. They scammed me out of the money by agreeing to remove this account.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) as stipulated under 15 U.S.C. 1681n, I hereby request that TRANSUNION compensate me in the amount of {$3000.00} for each unauthorized inquiry and violation present on my credit profile, not a non-monetary relief. Furthermore, I demand that TRANSUNION formally recognize and admit to the breach of the FCRA, specifically under the provisions of 15 U.S.C. 1681a ( 2 ) ( K ). I expect written confirmation of this acknowledgment, accompanied by a comprehensive notice detailing the nature and extent of the violation.

In addition, I would like to draw attention to 15 U.S.C. 16802, which further underscores the importance of transparent communication between credit reporting agencies and consumers. To ensure clarity and a mutual understanding of the resolution terms, I urge TRANSUNION to establish mechanisms that promote open and transparent communication between us.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am opening this dispute because Transunion has reported the same debt more than once with only a change of name the first time reporting a XXXX XXXX credit card as closed/charged off in XXXX  and then, XXXX years on XXXX XXXX XXXX posting an update on the same charged off account. 
My understanding is that it is against the law for the credit reporting agency to post and drop your score for the same debt more than once. If that were, in fact allowed, the same creditor could keep reporting, or updating the same debt every month for 7 years, never allowing a credit score to recover for that period of time, plus the additional XXXX to XXXX  years that it takes a score to go up, even when paying every bill on time and keeping credit utilization below 30 %. 
Given that with a low credit score one can not rent an apartment, get an auto loan to buy a car to get to work, pay more for everything from car insurance to numerous other things that are connected to your credit score, this is incredibly harmful to consumers. I almost ended up homeless due to landlords refusing to even consider someone with a credit score below a certain number. Fortunately, I found someplace to live on a temporary basis but will soon run into the same problem. 
I am sure there are thousands, if not hundreds of thousands, of people that have found themselves in this same situation. 
So, I have either had the same charge illegally put on my credit report a second time, causing it to drop by XXXX points, or this law that allows that to happen needs to be changed. 
I request that the recent update be removed and my score reverted to what it was before the update.