davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MO)

As of the end of XXXX, I was no longer living in that apartment. I called to cancel my XXXX account but I am assuming it was never cancelled. I have not been using service at apartment. I have tried contacting a supervisor at Utility company with no response. This debt is not mine as I was not living there when it occurred.
Consumer complaint received 2023-11-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Solar Mosaic LLC (CA)

We went into contract with XXXX to build out XXXX and they had pushed us to use Mosaic for our construction loan. XXXX co-erced me into give them money up front for milestone they didn't complete. Said our project would be delayed if we didn't pay them. Mosaic was aware of this as there has been several complaints to the California XXXX board as well to the DA. Both XXXX and XXXX are being investigated. XXXX is now out of business and Mosaic won't do anything to claw back to money knowing that XXXX obtained payments through false means. 

We are asking Mosaic to close our loan and clear our obligation due to them knowingly work with XXXX has have trouble with numerous projects. Taking money for not completing work.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
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: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX  in XXXX Louisiana Fraudulently to multiple lenders ruining my low inquiries and credit scores. Please IMMEDIATELY the following same day Fraudulent Unauthorized private Inquiries pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

15 USC 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 TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2023-06-04
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. (IL)

XXXX XXXX has continuously violated my consumer rights. I've disputed this account multiple times and they have failed to add this to my consumer report in the comments section.
Consumer complaint received 2018-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted Transunion, and XXXX XXXX XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX XXXX on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Neither Transunion nor XXXX XXXX XXXX have responded to my correspondence, nor has the inquiry been deleted from my credit report. Transunion did send me an updated credit report per my request in my letter, but did not address the deletions of the inquiry. I have never applied to, nor do I have any inactive or active accounts with XXXX XXXX XXXX.
Consumer complaint received 2024-01-24
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: DISCOVER BANK (FL)

Discover Card responded with a combative answer and decided to keep sending incorrect information to the credit bureaus. So since Discover claims that I owe them money I want to see my signature on a document from them that I took out a credit card with them. I want this negative report removed from my credit report and that Discover STOP report incorrect information to the credit bureaus. Discover can not sue me for money that I do not owe them so they are being nasty and trying to ruin my credit. Stop reporting incorrect information on my credit report or send me a signed document that I agreed to borrow money.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

I opened a saving account to compliment my existing credit card of over twelve years at Citibank. I funded the account by linking my XXXX savings account. The Citibank account was in my name only. I needed to add my wife so I called and requested a beneficiary form. Upon receiving the form in the mail I learned that I could not designate primary and contingent beneficiaries, which was unacceptable to me. I then called the bank and asked for forms to add my wife as a joint account holder. This called was hindered by background noise and a speech clarity problem on their end. We were both constantly having to repeat each other. Then he asked to speak to my wife and began asking all kinds of questions and it was difficult to understand him. Out of frustration, I politely ended the call and decided I would just close this savings account. From what I can tell that triggered a fraud alert that they refuse to release. They have locked me out of online access and the phone app access. I have called the fraud dept and was transferred to a man who said I had to wait for a reference number coming by email. He said it was already sent. Then he said mail. I asked if he meant US mail. He said no, email. I said I didn't receive it and it is not in my spam folder and asked for it to be resent. He said I had to wait for it. This went back and forth and he just kept stating I had to wait for it. I insisted if it was sent I should have received it. 

I have not received the email. I have identified myself by answering all security questions properly. No one from Citibank has contacted me by my longstanding email and phone numbers of record about this issue. I have begged that they simply transfer the funds back to my linked saving account at XXXX. They refuse to do anything and appear to be stalling. I have at least eight calls into the bank on this and no one will release my funds. This fraud lock is the result of a process that I initiated. SOMEONE there should be able unlock my account and transfer MY funds to me. All I want is the funds in the account transferred to my linked XXXX Savings and my account and relationship with Citibank terminated.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity and 3. Date opened which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX High Balance {$5800.00} {$0.00} {$5400.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2023-01-20
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. (KS)

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX Ac. No : XXXX clearly suggest conflicting information of 1. HIgh Balance, 2.Last activity, 3. Date opened and 4.. Last payment date which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name TransUnion XXXX XXXX High Balance {$3500.00} XXXX {$3500.00} Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2023-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

In accordance with the laws of the state of California, California Civil Code Section 1526 and California Commercial Code Section 3311, once a final payment has been remitted and accepted by a creditor or lender, payment is deemed paid in full. It does not matter whether or not the total amount of debt was paid as long as a written notice signifying final payment and final payment is written on the check clearly. XXXX of said payment is final. The creditors legal department knew this, yet the company refused to return the check and accepted it as final payment. 

The credit agencies had removed this debt from my credit report ; however, as recent as XXXX of this year, the creditor, JP Morgan Chase reported it again to the credit agencies, and it was re-added to my credit report. I contacted the credit bureaus, and they each refused to remove the delinquency. This has negatively affected my credit score. Please remove the collection and debt from my credit report and any references to late payments and mark the payment as paid in full. 

Dates and amounts are as follows : Date of payment - XX/XX/XXXX   Receipt of payment XX/XX/XXXX  Amount of payment {$790.00}
Consumer complaint received 2023-12-04
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. (CA)

XXXX XXXX XXXX XXXX me {$1200.00} and {$97.00} and I didnt recognize that transaction because my wallet was got stolen and Chase said thats my authorized transaction and denied my claim
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (TX)

Letter to Credit Bureau XXXX XXXX XXXX Credit Report File Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX NAME OF CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX : Complaint XXXX RE : Credit Report Dispute ( XXXX ) Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
Consumer complaint received 2024-04-06
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. (PA)

I believe that there have been violations of my rights under the FCRA by these agencies, causing me undue stress, anxiety, mental anguish, financial loss, career setbacks, emotional distress, and loss of sleep. These issues stem from the infringement of my right to privacy as outlined in 15 U.S.C. 1681, Section 602. Specifically, I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts in my consumer credit report. 15 U.S.C. 1681, Section 604, subsection ( a ) ( 2 ) explicitly states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-09-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NC)

Per their website, I called TD Auto finance to get a lien release letter or some sort of documentation that I paid off my loan. Im trying the get a title since i never received the original title in the mail. 

Each time I call, Im told that they can send me the form by mail ( within 5-7 days ) or fax ( within an hour ). I chose mail the first 3 times, waited over a week but never received the document. I have also asked to have it faxed and never received the fax. Ive had to tell them my new address on at least 2 occasions which means it wasnt changed in the system as I had been lead to believe.
Consumer complaint received 2023-10-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America sent a prepaid XXXX card describing a refund from XXXX XXXX XXXX. There was no information about how much was on the card and there was a number to call to get a check issued instead. When i checked the card online, it said it was closed. When I called the phone number to get a check issued, I have been transferred all over and now i am being told that their systems are down? 

These cards are a total scam and should be stopped. The fees to even check the balance are listed. 

Bank of America should be stopped from issuing these.
Consumer complaint received 2018-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (PA)

Complaint : Pacific Union Financial reported a late payment for XX/XX/XXXX Timeline : -XX/XX/XXXX XXXX XXXX XXXX called to inform me that I was late on my mortgage. At the time I communicated that my loan was with Pacific Union Financial. XXXX XXXX explained that Pacific Union Financial sold my account. I then called Pacific Union Financial to validate and confirm the accuracy of what XXXX XXXX was reporting. Pacific Union Financial confirmed that the mortgage was transferred XX/XX/XXXX -XX/XX/XXXX Pacific Union Financial failed to notify me that the mortgage was sold to XXXX XXXX. 
-XX/XX/XXXX payment was never retrieved from my account by Pacific Union Financial -Pacific Union Financial reported the account late in XX/XX/XXXX. 
-XX/XX/XXXX correspondence was sent by Pacific Union Financial informing of the transfer AFTER the phone call was placed by self. 
-XX/XX/XXXXa welcome package was sent by XXXX XXXX after my request -XXXX XXXX  " XX/XX/XXXX payment '' was finally retrieved after I was able to acquire account information. 
-XX/XX/XXXX I ran my credit report and noticed the derogatory report and sent a complaint to Pacific Union Financial . 
-XX/XX/XXXX Pacific Union Financial replied stating that they would not remove the late XX/XX/XXXXpayment form my credit. 
-XX/XX/XXXX complaint is being filed with CFPB.
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Grain Technology, Inc. (GA)

The company wont let me withdraw from my credit line even though I pay an annual {$80.00} dollar fee. They keep claiming it is a banking connection issue but this has been going on for several months now.
Consumer complaint received 2023-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (TX)

Proof of when car was sold, Bill of sale, or contract. I send in my information along with police report several times .Also Amend Section 604 ( c ) of the FCRA to address the treatment of pre-screening report requests. Section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. However I did reach out to the DMV to file a report due to the inaccurate information on my XXXX credit file Also Office of the Attorney General office due to the discrepancies due to Bridge Crest. Please cease and desist all calls and contact with me immediately to stop the harassment, accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ),
Consumer complaint received 2023-10-20
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

There were 4 fraud transaction made in XXXX in my account. I called HomeDepot to dispute the charges. The charges come back to my account in XXXX, and I called to re-open the case. They " claim '' I should be responsible for the charges after investigation. 

I opened the HomeDepot Card in year end XXXX, when I live in XXXX XXXX, XXXX. I moved to my new house in XXXX XXXX in year end XXXX, and then I never used the home depot card again. 

In XX/XX/XXXX, I got email notification for the fraud transaction in my account. I called to dispute the charges. Then I looked into my account. HomeDepot sent an new card to my previous apartment in XXXX. Then the fraud transaction happened. So I think someone with access to the mailbox of my previous apartment activated the card. We have moved out from the apartment for 2 years. We have no access to the card that HomeDepot mailed to us.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.