davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (TX)

I am checking on the status of Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter back stating that the late payment reporting in XX/XX/XXXX would be removed from my credit report within 30-45 days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the Vice President and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days.
Consumer complaint received 2024-01-03
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX, I do not have a contract with Transworld Systems, they did not provide me with the original contract as requested.
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. (CT)

I am writing to formally dispute the negative credit account listed on my credit report by your institution, which pertains to an alleged credit card debt opened in my name with XXXX XXXX XXXX. The account in question has an account number of XXXX and a balance of {$10000.00}. This account was reported as opened on XX/XX/2022. 

I must stress that this account is fraudulent and is not associated with any legitimate financial transaction or contractual agreement entered into by me. As a victim of identity theft, I have taken all necessary steps to address this issue, including filing a police report and submitting a report to the Federal Trade Commission ( FTC ). 

The address associated with this account does not match my records, further indicating fraudulent activity. This discrepancy serves as additional evidence that I am not responsible for this debt. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of this debt and demand that it be removed from my credit report if it can not be substantiated as legitimate. Specifically, FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) require you to verify the accuracy of the debt and the ownership of the account. If you can not verify ownership of the account, it must be deleted from my credit report. 

I request that XXXX, TransUnion XXXX XXXX provide me with detailed documentation verifying the validity of this debt and confirming my responsibility for it. If you are unable to provide such verification, I insist that you remove this fraudulent account from my credit report immediately. 

Failure to comply with this request within the timeframe specified by law will leave me with no choice but to take further legal action. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and contacting the Attorney General 's office to report your institution 's non-compliance with federal regulations. Additionally, I reserve the right to pursue civil remedies available to me under the FCRA. 

I expect a prompt response to this matter within [ insert timeframe as per your jurisdiction 's laws, typically 30 days ]. Please direct all correspondence regarding this issue to the address provided above. 

Thank you for your immediate attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it warrants.
Consumer complaint received 2023-09-24
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. (CT)

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business
Consumer complaint received 2024-01-03
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. (TX)

Ive sent multiple Dispute letters, validation letters, and spoken directly with representatives from CRAs s well as furnishers, and my documents and letters have been disregarded. Investigations have been completed and validated on companies that do not even accept phone calls. Accounts are continuing to be reported that are more than 10 years old, and legislature started in the FCRA has been grossly disregarded.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation (TX)

I applied for one way financial XXXX XXXX XXXX to help build my credit up, I was approved and they sent out a card to the address provided but the card never made it to the mailbox. I have notifications from XXXX  to tell me what to expect in the mail and didn't get that notification. I got notifications from a text asking if I was trying to withdrawal money from a XXXX around XXXX XXXX. I was still sleeping and when I woke up I had several notifications about withdrawing money from multiple sources. I was confused because I hadn't even received the card at all. So I called the one main financial to report the discrepancies and they said they couldn't find my information that I provided because it had change to a different email and phone number than my own. They provided an email and instructed me what to include in the email, address. i.d . phone number and pictures of the transactions and emails saying my password had been requested to be changed. But I hadn't requested that either. No one from the agency was responding to the email and they also wouldn't help me any further on the customer services via phone. I'm am currently getting harassment text and letters saying it's going to go to collection. I found this odd because a first payment hasn't even been due a week for a card that was applied for in XXXX.
Consumer complaint received 2024-01-03
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (NJ)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

My father passed away XX/XX/XXXX. He had a CD that was supposed to be transferred to me after his death along with a savings account. I never received it. I visited FNB in early XXXX of XXXX to see if I could speak to someone in regards to the CD and savings account that was suppose to go to me upon my fathers passing but I was turned away. I tried calling First National Bank XXXX XXXX in XXXX of XXXX. I left a voicemail for XXXX XXXX, who works at XXXX. My father gave me her business card when he was alive and told me that she was who he worked with. I left a voicemail for XXXX XXXX to please return my call. I have yet to hear from XXXX XXXX. 
I recently visited FNB and asked for advice on how to handle this issue and a bank teller told me that there was nothing that they could do. 
The XXXX was for {$48000.00}.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Equifax, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
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. (TX)

I hope this message finds you well. I am writing to follow up on my today 's attempt to remove the fraudulent items from my credit report. 

I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. 

Despite numerous requests, these items remain unresolved and continue to impact my credit negatively. I kindly request an immediate review and action to rectify this situation. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (MD)

I see unauthorized credit hits on my Experian report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (SC)

Home equity loan with TDBank. Original complaint with cupboard case XXXX. TD bank admitted their error in not telling us the interest rate. I was prequalified for Prime minus 1.01 %. That is not what I got. Felt like bait and switch tactic used by TDBank. They promised to lower my existing rate by .50 % on XX/XX/2018. I have this in writing from XXXX XXXX, advocate & customer experience advocate. I see this was adjusted once. It should be for the life of the loan. XXXX is unresponsive as well as was XXXX XXXX and also their manager XXXX XXXX. They will NOT discuss this over the phone. Emails are unclear. Others go unanswered. I tried to file a complaint with the Federal Reserve only to find TDBank is not in their jurisdiction. Where can I go from here? They are a XXXX XXXX firm. Can I appeal to an agency in XXXX? Can someone give me the name of the CEO or the executive in charge of consumer satisfaction? I want appeal further. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I received an email from Venmo about a user survey with a prize. I completed a number of questions giving the Company demographic information about myself, and then was told that the survey " had already filled up '' and was canceled. Meanwhile the Company gathered information on me with false promises of the ability to win a prize. The Company could have told me the survey was full before i started giving them information if that was in fact the case. I answered questions on my employment, my income, my age. I believe the Company now owes me entry into the prize drawing. The full text of their email offer is below : Hello! 

At Venmo we are always interested in learning from our customers. We value your opinion and would like to invite you to participate in a survey about how you use the app. 

Your feedback will help us to enhance your Venmo experience, and we thank you in advance for sharing your thoughts. 

As a way of saying thank you for your feedback, you will automatically receive an entry for a chance to win a {$1000.00} gift card. *For more details on the prize and entry rules, please click here. 

To complete this ~15 minute survey, simply click on this link! 
-The Venmo Team
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. (CO)

Subject : Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-off. XXXX XXXX I am formally disputing and request the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency on my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, and any lines of credit. 
It is critical to highlight that I have never entered any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to Furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent. 
4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7 along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello I'm XXXX Happy XXXX XXXX Just wanted to inform y'all Could you please update my XXXX XXXXXXXX XXXX  Account : I recently came across my credit report and unfortunately your bureau has errors regarding XXXX XXXX XXXX  account for my car loan you have the balance correct but unfortunately you're missing 3 months of my payments, somehow there's an error saying " UNKNOWN '' in the span of everything being paid perfectly since XXXX, not sure what's going on but please fix it immediately. I've called XXXX XXXX XXXX they reported it correctly and unfortunately your bureau is in error... Ps All 3 bureaus are in error. I get it we're all human and things happen, let 's just try to fix it in a timely manner. 

Here 's some info for the investigation. 
_______________________ These are the months that are marked " UNKNOWN '' ON XXXX XXXX XXXX ACCOUNT. 


XX/XX/XXXX XX/XX/XXXX AND XXXX IS JUST BLANK HERE 'S MY REFERENCE NUMBERS XX/XX/XXXX @ XXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX @ XXXXXXXX XXXX REF # XXXX -- -- -- -- -- -- -- -- -- -- -- You may have to call them? 

Not sure how you go about your investigation but you could verify those reference numbers with an agent from XXXX XXXXXXXX XXXX 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (TX)

My complaint is for XXXX XXXX loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX my house went in foreclosure XX/XX/2023 they told me about the notice XXXX I have not as today XXXX XXXX have not received a written notice I am working with HAF. Selene received a request for Amount due on delinquency XX/XX/2023 co no communication on when they will reply to HAF.i am XXXX XXXX XXXX been in the house over 15 years. I need help to keep my house
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

I Wrote a Check to deposit from my business chase to Wells Fargo personal checking amount of {$99000.00} on XX/XX/2023 was expected to drop by XX/XX/2023 and it was not I called Wells Fargo bank I was told it we be dropped before end of the day nothing drop next morning I receive a closure email from Wells Fargo saying my savings we be closed by XX/XX/2023 because of one or 2 checks I deposited that was suspected to be altered. They need close my account by XX/XX/2023 and send me checks or any bal on my account I got another mail on XX/XX/2023 that they are waiting on my sending banks for more information about the check or something! I called XXXX XXXX  where I wrote the check and I was told the check as been release and cleared from there ends which I comfirmed because {$99000.00} was debited already from my business XXXX. But Wells Fargo keep posting my Closure date till now is postpone to XXXX I cant cope with this no more I need my money government pls address this issue