davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to re-dispute the reporting of a charge-off of the XXXX XXXX account number XXXX, as this entry is inaccurate based on my investigation 's findings. I kindly request that this charge-off be removed from my credit report with all credit reporting agencies. 

The following consumer protection laws and regulations support my request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers can dispute any inaccurate or incomplete information on their credit reports. The credit reporting agencies and the information furnisher ( in this case, XXXX XXXX ) must investigate and correct any inaccuracies found. [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Consumer Financial Protection Act ( CFPA ) : The CFPA grants the Consumer Financial Protection Bureau ( CFPB ) the authority to oversee and take action against companies that violate consumer financial laws, including the FCRA. [ 12 U.S.C. 5481 ( 14 ) ] Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair or deceptive practices by debt collectors. If the charge-off is inaccurately reported or involves any form of harassment, this may also constitute a violation of the FDCPA. [ 15 U.S.C. 1692 ] After thoroughly reviewing my records, I have identified that the charge-off reported is incorrect. This inaccurate information is negatively impacting my credit score and financial standing. As a responsible consumer, I continuously monitor my credit report for accuracy and promptly address discrepancies.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC (MN)

Income is sufficient, W2 verification there, all forms submitted. Denial due to employee stating rocket doesnt FEEL comfortable doing the loan this should not be about feelings but about a customer with money and backing having an agreement with seller for assumable mortgage. As the consumer I feel there was some malicious behavior from the lender assigned to me XXXX XXXX. He was rude, unprofessional and was not submitting the correct information to underwriting.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>XXXX  My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
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: Paypal Holdings, Inc (FL)

This problem has been on going and involves many years. PayPal failed to take payment for a pay in XXXX loan and it ended up being charged off. After more than a dozen phone calls, hours on hold and being transferred, hung up and lied to I THOUGHT the issue was resolved. But it isn't I'm now being denied over XXXX years later, use of the service for failure to keep a previous loan which I was told wasn't my fault to begin with as they verified the funds were there and should have been deducted from the account and the account should have never been charged off. I've requested ALL the denial letters over the past XXXX years as they no longer offer them on the website and I still have yet to receive them. The person I spoke to says I need to improve my relationship and positive payment history with PayPal, but I'm unable to do so as they're denying the pay in XXXX loan for fraudulent reasons. Telling me I need to fix a problem I can't fix because their system wont allow me to that wouldn't be an issue if their system didn't fail in the first place is causing me issues and they refuse to fix the issue.
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Paypal consistently XXXX its customers. They are the most greedy, pari-mutueling money changer on planet earth. 

This person : XXXX XXXX XXXX I demand that Paypal investigate her, they, or it for a scheme to defraud me & perpetrate fraud upon others Online & Offline vis-a-vis their XXXX XXXX whom condones Every criminal & illicit activity known to Man including but not limited too : the sale of All.illegal drugs, weapons, documents, XXXX XXXX, and human trafficking freely on their servers without following USA Domestic & international Laws , Ordinances, and Regulations. Paypal is part of this by accepting and delivering payments to known Chronic Criminals, and festering Liars as XXXX XXXX! 

XXXX XXXX is a criminal, thief, scammer, and human trafficker whom Paypal allows and condones on their site & servers. She also uses XXXX XXXX & XXXX XXXX as Aliases! 
Her, it, they Fake name on XXXX is : XXXX XXXXXXXX. She stole XXXX XXXX XXXX from me and I demand Paypal ban her, XXXX XXXX and XXXX XXXX per alias into Perpetuity! 

XXXX XXXX has canceled a money request Canceled request details Amount requested $ XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-19
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: CITIBANK, N.A. (MN)

wrong information in my credit report, tried to contact experian multiple timesto removed wrong reports from credit report and they won't help out, my identity has been used to open futile accounts which aren't mine.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-07-19
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: CITIBANK, N.A. (OR)

We believe CitiCards dispute process is ineffective, unprofessional and generally a sham. Attached is a letter we sent Citicard regarding our dispute with a charge for a tour that was canceled by the merchant but not refunded. It outlines the dates, all the time, documentation and responses from CitiCard dispute. In response to our letter, we received a telephone call by a staff person from the office of the XXXX of CitiCard informing us that they would not reopen our case. We stated we did not believe we were treated fairly and repeated our frustration with Citicards dispute process and the inept staff responses we received, except for supervisors who agreed our case deserved more detailed review and were apparently ineffective in doing anything about it. 

We request the Better Business Bureau undertake an oversight review of CitiCards dispute process that includes an investigation of what went wrong in our case. 

Thank you for your time and consideration.
Consumer complaint received 2024-04-15
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. (TN)

In accordance to 15 USC 1681b, I have not given written consent or verbal consent for information. It is being fraudulently reported.This is willful violation of 15 USC 1681c-1 and needs to be corrected and removed in 4 days per the 15 USC 1681C-2 OR I WILL BE SEEKING LITIGATION IN SMALL CLAIMS COURT. 

SEE ATTACHMENTS
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual I did not file this bankruptcy. I have never lived at the address attached to the bankruptcy and the DOB is incorrect. Ive asked over five times in writing to be PROVIDED PROOF OF VALIDATION and and yet to receive it. However this is illegally reporting hurting my overall credit score
Consumer complaint received 2024-07-17
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: SYNCHRONY FINANCIAL (VA)

On XXXX I made a purchase of {$3000.00} from XXXX with their store branded credit card. The purchase was of a sofa, a dresser and smaller decor items. I received the decor items on XXXX which had a combined value of {$62.00} less any taxes due. Being larger items, the sofa and dresser required a bulk shipping agent to deliver. Their total combined value was {$2300.00} less any taxes due. In addition to the {$2300.00} for the furniture, XXXX levied a {$410.00} shipping and handling fee for the use of the bulk shipping agent. In total, {$2700.00} is the pre tax amount charged on my store branded card. For the next 2 months, the bulk shipping agent would open delivery window dates for the furniture to arrive to my door. On 4 separate occasions I would select a date within their window, take a day off from work to prepare only for the shipper to cancel delivery. Over the course of two months I contacted XXXX XXXX separate times to have the issue resolved and each time they were XXXX helpful. Fed up, I contacted XXXX on XXXX and was able to escalate the issue far enough to where a representative, in writing, confirmed the cancellation of the remainder of my order and stated that a refund will be placed on my store branded credit card once the company received their shipment. This led me to file a transaction dispute with Synchrony Bank, XXXX XXXX XXXXXXXX XXXX for their store branded credit card, on XXXX. Since I have never taken ownership or possession of the furniture items, and the fact that XXXX, in writing, had agreed to cancel the shipment and issue a refund, I felt I had no obligation to continue making payments. On XXXX, Synchrony declined my dispute. I had it reopened on XXXX. It was declined a XXXX time on XXXX. I had it reopened on XXXX. It was just declined for a XXXX time on XXXX which has led me to the CFPB. How can I be responsible for paying on an item for which I have NEVER had possession of?
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IL)

Im about to travel internationally and have been trying to reach customer service on their supposed 24 hour help line. Every time I call the 24 help line it hangs up on me no matter what option I choose with the message that they are closed and to call back during business hours. The number Im calling is the one on the back of my debit card which is labeled 24 Hour Customer Service Toll Free. I find it ridiculous that if I have issues with my personal money and bank account that I dont have access to someone that can help me with my funds. Especially on an advertised 24 hour help line.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

And also, U.S.C 1681Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

Well, they already had refund me money and my acct I have never made a xoom or knew yall was connected I just get my funds and ready now to closed it down because I never authorized this account neither transaction with my funds And wat been sent is XXXX and I don't have no idea who the person it is but be nice if I get my funds back I was waiting for ever for that XX/XX/year> 2024
Consumer complaint received 2024-07-17
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: TomoCredit Inc. (OR)

I opened a Tomo credit card. I had a balance paid it off had a balance paid it off and so on. The last few months I thought I was paying a balance that was higher than my credit limit of {$250.00}. I just checked my balance what I owed today which was XXXX I paid {$80.00} then all of a sudden it said I owed {$160.00} and the last 4 months I have made payments of {$370.00} total on a card that had a {$250.00} limit. I have tried to reach out to customer service there isn't any customer service to speak to. I also emailed them and it said the card is no longer being able to be used and it gave an explanation. Come to find out there are lawsuits against this company so I just paid something that I may or may not have even owed. I would like to put a complaint in with this company Tomo credit.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (NV)

I recall on this day XX/XX/year> an account that contains a serious error. 
I am denied access to accounts of a valid state ID. My father ( XXXX, VA ), mother ( XXXX ), & grandfather 's ( ) are ( XXXX XXXX  ) " XXXX. '' who burned cross without a US clear XXXX  birth-given name bracket [ ] of XXXX in XXXX of California XXXX XXXX XXXX By error ; my application is stored as full name matching an illiterate person of US history abbreviated form XXXX. as account XXXX  when I own & provided with application a valid clear XXXX three letter first name of XXXX in state of CA.
Consumer complaint received 2024-07-17
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. (NC)

I filed a dispute and all they sent by email through you .The only thing the company sent was bill with my address and no purchases or products or store. 
Nothing with my signature or original contract. 
I also found some similar information from the dark web. I would like all of this to be deleted. 
This doesn't belong to me.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TomoCredit Inc. (NJ)

After a favorable experience with Tomo XXXX, I decided to give their credit repair service a try ( TomoBoost ). For a monthly subsciption of {$34.00}, they claimed to report a substantial credit line to all three credit bureaus. I have been paying the service for over a year and NOTHING was ever reported. I have written several emails and I keep getting asked to be patient and that they are working on it. I finally started requesting that they cancel my membership and they have stopped responding. There is no way to contact them directly and there is no way to cancel the membership online. I have asked for cancellation and full refund and like I have stated, they no longer respond. I had to pay my bank for a stop payment to Tomo and submitted a dispute for 6 months of charges ( which is all the bank could dispute at ths time ), but the bank just informed me that Tomo provided compelling evidence that I was provided said service, which is interesting because they have stopped responding to me and I have documentation in which they acknowledge that there is something wrong with their reporting. I resubmitted a dispute with my bank and provided all of my correspondence with Tomo. I also submitted a complaint through the XXXX XXXX XXXX, which they also did not reply to.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (SC)

American First Finance I is being reported to my XXXX  credit file when I have already filed an identity theft and it was removed and then in XX/XX/year> it appeared back on my report. When the account was opened I was XXXX  and did not have any knowledge of this account at all.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (AZ)

Offer was savings off airline company. I was declined by automated engine for high amount of unused credit compared to low balances even though I have an XXXX XXXX score. I believe this is discrimination for being refused credit even though you qualify for it based on advertised requirements. I've never been refused for having high score and low debt. This is deceptive and should be illegal practice.