davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Name : XXXX XXXX XXXX : XX/XX/1979 Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Credit Bureau Name : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX I Need These list of Incorrect/Misspelled NAMES, ADDRESSES & EMPLOYMENT INFO Removed & Deleted off my Report Because they Are Inaccurate! 

Incorrect Names : XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX Incorrect Addresses : XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Employment info : XXXX. ) XXXX Thank you. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-18
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)

Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-18
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. (IL)

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 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX of XXXX, I noticed that XXXX XXXX was still illegally reporting a car loan to 2 of the credit bureaus XXXX and Transunion. I disputed the Inaccuracy which I have done on several other occasions. Previously XXXX XXXX would just update the information by reporting that payments were late when in all actuality XXXX XXXX filed a 1099 C charging the debt off and forgiving the debt on this account and still continued to report that I owed the money. Between the end of XX/XX/2023 and the beginning of XXXX of XXXX XXXX XXXX actually removed the account from my Transunion credit file, which caused my credit score to decrease substantially by XXXX points. XXXX XXXX did not add any comments therefore I'm not sure how the account was removed or if they added any negative comments that caused this significant decrease. I have tried to address the matter with Transunion without Success. I'm filing this complaint against Transunion as they have allowed XXXX XXXX to infringe upon my legal rights as a credit consumer for the last 7 years. I would like a full investigation into this matter,
Consumer complaint received 2023-11-18
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)

remove all negative items immediately dont belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2020-07-28
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. (NY)

I noticed a credit inquiry from XXXX XXXX on my report in XX/XX/XXXX. I called XXXX and after long holds and multiple calls, they confirmed a fradulent account was opened in my name and that they will escalate and remove the inquiry. 
The inquiry was still there in XX/XX/XXXX. I filed a dispute with XXXX - Confirmation Number : XXXX - they closed the dispute in less than 2 business days and said I need to resolve with XXXX. I did a conference call with XXXX and Equifax where XXXX said that the first credit inquiry removal was 'not done properly ' and they would submit again and it will be gone in 30 days or less. Equifax was on the line but said although the removal request was sent electronically, they could not confirm receipt. This conference call was on XX/XX/XXXX. The inquiry is still on my report as of XX/XX/XXXX so I submitted another Equifax inquiry -Confirmation Number : XXXX. They again closed on XX/XX/XXXX and said XXXX has to remove the inquiry. I am fed up with this and can not spend another hour on the phone trying to get XXXX and Equifax to fix this.
Consumer complaint received 2018-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

XXXX XXXX XXXX is reporting a debt on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the 3 major Credit Reporting Agencies and it was removed from 2 out of the 3. The response from XXXX  was that XXXX XXXX certified it as mine. I then sent XXXX XXXX ( the Furnisher ) a direct dispute via certified mail according to my rights ( FCRA and CFR 660.4 )  but never received a response. The letter was signed for by XXXX XXXX according to my proof of receipt ( see attached ). This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness. I would like it deleted from my XXXX credit report ASAP.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Unknown to me, my Capital One  XXXX card, with a reward balance of XXXX was closed. Details below. 

At some point in mid XXXX XXXX XXXX  I attempted to make a purchase with my Capital One XXXX card. It was declined. I called the company and was asked to send in proof that I was the account holder. Capital One sent me a link to upload pictures of the front and back of my drivers license. Which I did. 

After not hearing from them for about a week I called back. The representative said the bar code on the back of my drivers license was not clear enough and asked that I go through the upload procedure another time. Which I did. 

Again I called them back after a week or so. Still they could not verify account. 

Next, my wife, who is on the account and I went to the local branch office with our IDs in hand and they still were unwilling to verify that I was indeed the account holder. 

The next correspondence I receive from Capital One is a letter stating my account has been closed. 

I called them and asked what happened. The representative stated I was sent notice that I had 45 days to rectify my issue or they would close the card out. I never received such a notification. Ive attached a screenshot showing only one document from Capital One sent to me in 2023 and this was the closure notice. 

Attached is the closure letter, my last credit card statement showing my reward balance and a screenshot showing all correspondence from Capital One in 2023.
Consumer complaint received 2023-11-14
Product: Mortgage — FHA 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: Rocket Mortgage, LLC (IN)

I have spoken with someone at the rocket mortgage about removing my PMI they said that FHA requires the PMI but I spoke with someone at FHA and they said that's not true they do the MIP so rocket mortgage is lying to me about certain things and that not willing to remove the PMI for whatever reasons and it's very confusing and I'm not understanding why so I need some help here I've never been late on my payments at all always on time and my value of my house has exceeded the amount of what the house is worth and they have that as well. It's making it very hard for me to make my payments it's going to be so bad to where I will lose my home if this does not be removed I do not want to lose my home I do not have that time to lose my home so I need some help to have the PMI removed thank you.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

XX/XX/XXXX I noticed my credit XXXX  score update from XXXX was XXXX on my XXXX app. The reason given was " Serious delinquency '' and " Time since delinquency is too recent of unknown ''. 
I downloaded XXXX XXXX to investigate more and found an unauthorized account and personal line of credit opened on XX/XX/XXXX with Citizens Bank of {$5100.00} with a balance of {$4000.00}. The balance has not recieved payment since XXXX. 
Since then I have froze my credit reports with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). 
I will be reaching out to Citizens Bank, filing a police report, and contacting XXXX to dispute.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (TX)

I told them I couldn't make payments because I had a problem with a company I was working for not paying me. They have been calling me multiple times a day, every day, for a few months. I did a debt consolidation with a company and this account with Tower Loans is part of that consolidation. I told the representative from Tower Loans that showed up at my residence, unannounced, about that and gave her the contact information of that company. Tower Loans called and told me that they don't deal with consolidation companies and don't have to follow the rules not calling repeatedly. Tower Loans told me that since they collect their own debts, the federal rules concerning the contacting and harassment didn't apply to them. I've told Tower Loans all they can do is file it on my credit report and that they needed to stop calling me to harass me about it or I would report the company. Harassment as defined by the reporting act that outlines consumer rights is what Tower Loans is in violation of. Also, the lie that they said about they don't deal with consolidation companies so it's not their problem. I believe this falls under the rulings of removal of the debt from my records because of the harassment and tactics of deception by Tower Loans. At any rate, the calls need to stop immediately.
Consumer complaint received 2023-11-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MI)

I have reached out to XXXX XXXX XXXX for a purchase agreement and itemized bill which I believe this debt buyer is collecting in an unethical manner and thats a violation of the fair debt collection practices act I have reached out with no answers XXXX  is also reporting to my credit as a charge off which I have not received any 1099-C forms there is also the wrong date information on my credit report as far as when I opened the loan thats inaccurate.and its been over XXXX  days XXXX wand this deleted asap
Consumer complaint received 2023-07-31
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. (KS)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00} ; XXXX XXXX : {$16000.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXX : {$17000.00} ; XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Consumer complaint received 2024-04-11
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. (SC)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-05-09
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 — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

This company is refusing to tell the truth. I started a complaint in year XXXX and Prestige Financial did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which Prestige was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. 

Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. 

I will hire a lawyer for which I do have credit reports that clearly shows that Prestige Financial did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.
Consumer complaint received 2018-09-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX and XXXX XXXX XXXX in XXXX, Texas committed fraud when they sold me a XX/XX/XXXX XXXX XXXX XXXX XXXX Blue Tec that had open recalls and one being for the XXXX XXXX XXXX and the XXXX XXXX being the first and most severe in the order of repairing when a repair becomes available. We purchased the SUV on XX/XX/XXXX and our contracts were also backdated, our vehicle was in the shop 7 out of 8 weeks of ownership. I immediately notified XXXX XXXX who told me do not make a payment we are putting this in review. Our serpentine belt broke while in route to my mother in-laws house traveling at XXXX mph no steering with my wife and XXXX of our XXXX children, stranded in the country. We had only owned the car for three days so we called XXXX XXXX who then instructed us to have the SUV towed to them at our own expense so we did. Three weeks later the car I still not working and it was transferred to a mom and pops automotive repair shop only to be transferred back to XXXX XXXX for a brake job. I had XXXX XXXX so my wife goes to pick up her SUV and calls me in hysterics saying she had no brakes, you see the brakes were needing to be done and before purchase XXXX XXXX agreed, my wife went back to the dealership crying with me on the phone and they forced her to drive the SUV with no brakes one hour home to XXXX keep in mind they were informed about the XXXX XXXX XXXX in essence they were attempting to murder and mame my wife. My wife complied and later we found out about the recall only for our Serpentine to re-brake the following day, so it had to be returned again. Then two weeks later we go get the car, keep in mind we called XXXX XXXX Weekly with updates only to be directed to not make payments it was in review, not even 12 hours after receiving our broken car XXXX XXXX has our SUV repossessed at XXXX XXXX leaving me stranded with XXXX kids no way to school. XXXX XXXX XXXX and XXXX XXXX   both need to be held accountable.
Consumer complaint received 2023-11-18
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)

XXXX XXXX Trans Union Re : Dispute of Inaccurate Late Payment Entry - 15 U.S. Code 1681a Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report, which I believe is inaccurate and should be removed and updated to paid as agreed, never late in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a. This late payment entry is adversely affecting my credit profile, and I am seeking its correction as mandated by federal law. 

Below are the details of the disputed late payment : Creditor Name : Trans Union Date of Late Payment : XX/XX/XXXX Amount of Late Payment : XXXX I contend that this late payment entry is erroneous for the following reasons : Incorrect Reporting : The late payment reported on XX/XX/XXXX for with [ XXXX XXXX XXXX ] is factually incorrect. According to my records, I made a timely payment for this account, and there should not be any late payment recorded. This discrepancy goes against the FCRA, which obligates credit reporting agencies to ensure the accuracy of information. 
Supporting Documentation : To substantiate my dispute, I have enclosed copies of relevant documentation, including bank statements and payment receipts, which clearly demonstrate that I made the payment on time. These documents should serve as compelling evidence that the reported late payment is inaccurate. 
I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions, including 15 U.S. Code 1681i. Please correct any inaccuracies found during your investigation and provide me with a revised copy of my credit report once these corrections have been made. I emphasize the importance of a swift resolution, given the potential adverse impact on my creditworthiness. 

Enclosed Copies of payment receipts for with [ XXXX XXXX ] I anticipate your prompt attention to this matter and adherence to the federal laws governing credit reporting. 

Thank you for your assistance in resolving this dispute promptly and accurately. 

Sincerely, XXXX XXXX Please ensure you enclose the necessary documents and modify the letter to include any specific details relevant to your situation before sending it to the credit bureau.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (VA)

Bank is holding a certified check from a major company and bank and refuses to electronically verify it, instead wishes to hold it for longer than the XXXX business days Regulation CC and Expedited funds availability regulations dictate. 

They only give me a nonsensical and non-specific reason as to why they are holding funds. 

I regularly deposit and withdraw large amounts monthly and the reason they give it that a certified check " gives them specific information it will not be honored '' ( won't disclose what that specific information is, is a major company I have done regular business with, and I have an established high direct deposit relationship with the bank, and have never had a bounced check )
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I recently opened an account with CIT BANK on XX/XX/23. I made 4 transactions on the account and then was promptly locked out of my account. I called costumer service and found out that my account was " under review '' and I was not allowed to access the account. When I asked the nature of this review, I was told that they did not know and that there was no one I could contact. I was told that a review board would render a decision ony account and it would take up to 90 days XXXX do so. 
I was not informed of what kind of issues concerning my account could lead to the review. I have been given no contact number to the review board. CIT Bank has my money, won't allow me to access that money, and will not even explain why.