davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-12-27
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. (NV)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion Is reporting on my Consumer Account That My XXXX XXXX Account is CLOSED which is incorrect. This is retaliation for me calling reporting them to the CFPB previously for violation my rights as a FEDERALLY PROTECTED CONSUMER. So they started reporting even more in accurate information to my consumer report, greatly effecting my quality of life, and my ability to contract which is protected by the constitution. As I've already explained to Transunion and its employees that, Information goes against the FCRP. 15 USC 1681a ( 2 ) ( A ) ( i ) information solely as to transaction or experiences between the consumer and the person making the report ARE TO BE EXCLUDED. furthermore, 15 USC 1681 ( a ) requires that the Information be 100 % verifiable and accurate or it has to be REMOVE ( I don't want it removed, THE TRANSACTION HISTORY NEEDS TO BE REMOVED ). Adding on to 15 USC 1681 ( a ) -Accuracy, I am attaching a copy of the inaccurate closed account reporting and the inaccurate amount reporting. The actions of TransUnion and its employees greatly affects the banking systems and the consumers pursuit to happiness. And as far as I'm concerned Transunion and its employees are horrible custodians of the consumer information, with having to pay millions for not protecting the consumers information and horrible at assuming the role congress placed then in for having to pay millions for not following simple instructions of the FCRA. This is the LAST NOTICE before we step in court you can notify XXXX XXXX XXXX apart of your legal team but I'm sure the judge won't look to kindly on someone who clearly violated the laws that GOVERN them. Respectfully.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2024-04-19
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Transunion : 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (ID)

I did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX  by an unknown person. 

I believe this is fraud.
Consumer complaint received 2023-05-10
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. (NE)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX Date of inquiry : XX/XX/2021, XXXX Date XXXX inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is a Mortage loan, they started marking late payments in XXXX  due to them not being able to collect escrow, this account was not supposed to be holding escrow since I pay taxes and insurance myself, they have never paid anything for me, my original payment was fixed at XXXX dollars which I had paid for 10 years, in the beginning of 2023 they wanted XXXX a month, I paid off the loan back and got sent back all the escrow they were holding since they never paid any taxes on this property, but my principal and interest was always paid on time.
Consumer complaint received 2023-12-27
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been requesting that my credit profile be updated. Credit card statement has been updated already with XXXX and XXXX  it has been more than 30 days since the update and yet I have not seen a change in my score or an update of my credit card payment which is hindering me
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I have not authorized the hard inquiry, this is a result of fraudulent activity on my report, the hard inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc. (VA)

I've been using Aidvantage since XX/XX/XXXX to try and pay back my loans. Their internet service has repeatedly accepted my payment, sent me confirmation, and then reversed my payment without cause. I'm afraid this will affect my credit and I am frustrated with the service I have received. I called customer service and was told by the agent that they did not know what the issue is and were unable to fix it. After researching this issue to look for a solution myself, I learned that this is a reoccurring issue that other Aidvantage users are also experiencing and yet there is no apparent solution. At this point, I'm just hoping that my loans get sold to someone else because I am so incredibly frustrated.
Consumer complaint received 2023-12-27
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. (MA)

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 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 2024-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (TX)

I tried sending money to my wife in XXXX through " XE " a money transfer company. They ask to connect them to my bank XXXX thru thru service call XXXX  which I did. Subsequently they requested a copy of my passport to be uploaded to verify my information, which I did. I received a message that something went wrong, so I tried it with my drivers license and received the same message that something went wrong. Than I received a message that my account was closed and all transactions cancelled and my the copies of my passport and Drivers license will be held by them. Furthermore they refuse to tell me why they cancel my transactions or why they keep my info. i am not sure if this was a scam to get connected to my bank account and all pertinent info about me and if they are legit why they cancel this transaction. 
Your assistance will be greatly appreciated
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

I was in the process of a loan modification and required to make 3 trial payments, which I made as directed.

These trial payments are reported as late on my credit report which is inaccurate and causing a significant impact to my credit.

My modification has since been approved and I would politely request these late payments be removed or updated to reflect they were paid on time.
Consumer complaint received 2023-11-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NV)

I have sent demand letter requesting signed information to show me where it states on my lease that a tenant is responsible for what they are claiming I need to pay for such as : paint and carpet cleaning. I lived in this apartment for 4 years and in Nevada that is nothing more than normal wear and tear. I have read through my lease and nowhere does it state a tenant is responsible to pay a fee for carpet cleaning and paint upon move out. Not to mention they also kept my security deposit as well. Which is why I feel I am being wronged in having to owe the amount of {$290.00} they claim I owe.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Preferred Rewards Credit Card. 
On XXXX I used the credit card to book a zip line tour at XXXX XXXX XXXX ( located in XXXX XXXX, XXXX XXXX XXXX ; the amount is {$450.00}. The company whose billed my credit cart has the name XXXX XXXX XXXX XXXX. The following day I received a news that my flight from XXXX to XXXX XXXX was cancelled due to weather issue. As a result, I immediately inform XXXX XXXX XXXX to cancel my tour and they agreed to refund 50 % of the amount, totalling {$220.00} ( please see the attachment for the cancellation agreement ). For some reason, on XX/XX/2023, they made XXXX refund transactions ; each in the amount of {$220.00} and I thought they went above and beyond to resolve my issue. However, on XX/XX/2023, they billed me again with XXXX transactions ; each in the amount of {$220.00}. As a result I'm at net loss of {$450.00}. 
Up till now and despite many attempts with both the mercant and my credit card company, I still haven't received the promised refund.
Consumer complaint received 2023-11-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (CA)

I applied for several loan modifications which at the time Wells Fargo informed me I qualified for. Wells Fargo sent several applications that I completed for years. They never explained to me why I was denied and I was told my only option was to short sell which I still don't believe.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (FL)

I was a victim of identity theft. On XX/XX/XXXX  I called Equifax and requested a freeze on my credit profile. On XX/XX/XXXX   I mailed Equifax and highlighted the identity theft accounts I did not open and provided the account numbers and origination date in my FTC identity theft report, I printed this out for them signed it and did a sworn statement in front of a notary. I included a copy of my passport, my drivers license my social security and a pay stub along with a copy of the police report reference number I filed with the XXXX police department with officer XXXX of the XXXX XXXX fraud division. I received a response in the mail from them XX/XX/XXXX  They first said that i am missing either essential personal identifying information or specific account information that would let them verify the account. In my FTC identity theft reported i clearly outlined the accounts they were reporting that were fraudulent, I got the opening date and account numbers directly from XXXX website. I feel as though this is just a stall letter from them to discourage me from resolving this identity theft mess I am in. They also said in accordance with section 605B of the FCRA they determined that my request for identity theft removal had either 1. been made in error 2XXXX is a misrepresentation of material fact 3. obtained possession of goods or services. I am attaching all previous correspondence with Equifax including my certificated mail receipts, FTC identity theft report and my correspondence via mail with them. 

This is seriously damaging and effecting many things in my life. Im attempting to get this resolved with Equifax one last time via the Consumer Financial Protection Bureau. Their response was very upsetting as the fraudulent accounts they are reporting of me are destroying my life financially and they havent taken the time or consideration to resolve anything. Ive given them the chance to work with me and resolve this, Ive spent many hours days and weeks with them trying to get this resolved but absolutely nothing has been resolved or even attempted to be. they dont seem to care if they are reporting fraudulent accounts on my credit report under my name, nor the impact it has on my life This is my last attempt to resolve this via the CFPB otherwise I will be suing them directly with my consumer protection attorney Ive already discussed this with. 

On top of all this Equifax leaked my social security number my phone numbers, addresses, past employers on the internet via their data breach. Its upsetting to me that XXXX refuses to help resolve this and are so quick to deny my claim because they said I am missing personal identifying documents when I already included a copy of my passport, social security card, drivers license and paystub. Its absolute insanity to me their willful neglect to resolve anything.
Consumer complaint received 2024-04-19
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. (OH)

I recently sent out letters to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc (PA)

My credit card was being swiped at a merchant I frequently used while I was not there. I filed a dispute with Chime for a total of {$41.00} in fees. The csr stole the provisional credit and then sent me an email stating I would not be getting a provisional credit although my dispute was just filed.