davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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  XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX HAS CONTIUALLY REPORTED A LINE OF CREDIT AS A CHARGE OFF EVEN THOUGH IT HAS BEEN DISCHARGED THROUGH A BANKRUPTCY, THIS IS THE 4TH TIME XXXX HAS DONE THIS.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (GA)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
Consumer complaint received 2018-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

The house was foreclosed on I never received ANY NOTIFICATION until a sale date was set I tried to work out a modification the company refused stating that the payments were to far behind they do not do modifications when the foreclosure is so far along. Mind you I WAS NEVER SERVED so I could at no point work out a modification because I was unaware of the foreclosure. I then requested the payoff before the sale I received it from the law firm after the sale and the letter stated the payoff was good until XX/XX/2018 they then sold my home appraised at {$280000.00} for {$100.00} Now they are trying to evict my ex wife and children from the house. 


I have also contacted the Attorney Generals Office regarding this matter
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I've had a cash app account for several years. 

I received a cash app debit card prior that has since expired. 

I reached out to cash app because the app no longer allows me to use my address. My address is a general delivery address which is a service offered by the USPS for people who have hard time receiving their mail. I am low income and have problems receiving my mail.

When I initially ordered a card through cash app they had no problem sending it to the same general delivery address.

After reaching out to cash app several times speaking to supervisor and even after exhausting using the XXXX XXXX XXXX cash app refuses to send me a card or help me. 

It is worth noting that throughout my initial support conversations cash app told me numerous times that I did not have a card associated with my account even though I sent them photos of my card. They habitually denied me even having an account. This is highly unprofessional. 

The XXXX  referred me here. Cash app continues to give me the same copy and paste responses in every single email that does not address my problem. They keep saying that they can not deliver to po box es even though I've made it inherently clear that I am not a recipient of a po box . I pick my mail up at the counter and if they would just deliver it to the address I input they would accept it. This is how I've always picked up my mail. It is not in cash apps policy anywhere stating that they do not deliver to general delivery addresses. And as previously mentioned I have received a card already from cash app at my general delivery address.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I discovered that Bank Of America ( BoA ) had been charging me {$25.00} monthly maintenance fee for my checking account since XX/XX/XXXX to present day, for a total of {$75.00}. BoA never notified me they were going to charge this fee. When I called customer service they said " On XX/XX/XXXX BoA made policy changes to all acounts and BoA is not required by Law to communicate these updates to customers. The {$25.00} monthly maintenance fee is mentioned on page 63 of our service agreement ''. Reading through many pages of BoA 's service agreement on a daily basis to see if any changes have occurred is both unreasonable and unfair. BoA also changed my bank statement settings from Paper to Paperless without my knowledge and consent.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (MD)

I contacted all three credit bureaus to validate this debt. World FinancXXXX did not reply to the debt validation request. This debt is beyond the statute of limitations to collect and will reach XXXX to report in XX/XX/2024.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Date Opened : XX/XX/year> High Credit {$220.00} Last Reported XX/XX/year> According to the FCRA Section 605B, It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

I have also noticed that this collection account does not match up with my XXXX and XXXX account. Therefore, You are in violation in reporting inaccuracy on my Equifax credit report. I have attached a screenshot below of your inaccuracy reporting on my Equifax report. Please remove this Collection listed as Original Creditor : XXXX XXXX with the account number, XXXX from my credit report as soon as possible.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Experian has not been compliant with the legalities of credit reporting. I am a victim of identity theft. I have submitted documents verifying this fact for years however Experian continues disregarding the code of law to block all fraudulent items with proof.
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC (LA)

Back in 2020 during Covid my identity was stolen and there was some type of charge from XXXX XXXX to my credit in a whole different state. Arkansas and I live in Louisiana. Well I have fought with the company and as well as kept disputing it showing proof that this was not my debt then they sold it to a lawyers office called Myers and McNeils, in another state also its affecting my credit. I have proof that it was dropped for my credit as proof of identity fraud and Im struggling to get it off with this lawyers office. I also have picture proof that they even had one of my numbers wrong on my Social Security, but it has sent them been corrected and I have proof of this statement but its all in pictures so I would have to email them.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MA)

I disputed about {$1900.00} with TRUIST Bank in XX/XX/XXXX or XXXX, XXXX. There was an issue with my XXXX and XXXX cancelled 2 reservations that were not made by me. I advised my bank about this as soon as I came back from XXXX. I also disputed additional charges were made in XXXX no by me. TRUIST bank declined to assist in any way. I spoke to 2 supervisors and they stated they would not help and the case was closed. Also, I opened a bank account with TRUIST bank in XX/XX/XXXX because there was a promo : Open a new eligible personal Truist checking account ( Truist Bright, Truist Fundamental, or Truist Dimension ). 
Use promo code : XXXX  @ XXXX Set up and completing at least two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening. 
I met all qualifications but the banker XXXX XXXX that opened my account in a XXXX branch opened the incorrect account. He later told me that he would fix this and then months later he said I was not eligible. I spoke to 2 supervisors regarding this promo issue as week and they said they would not help.
Consumer complaint received 2024-06-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

When we applied the credit limit was {$2000.00} After a few months it was lowered to {$690.00} I was told by the company they pulled my credit and made a decision to lower my limit. I did not authorize anyone to pull my credit and I agreed to a card with a {$2000.00} limit
Consumer complaint received 2024-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone stole my identity over XXXX years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a XXXX XXXXXXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I am writing to bring to your attention the serious infractions committed by MicroBilt regarding the accuracy and privacy of consumer information, as mandated by the Fair Credit Reporting Act ( FCRA ). This issue needs immediate attention and resolution to prevent further harm to consumers. 

Based on the information provided, it is evident that MicroBilt is not reporting accurate information, a violation of [ 15 USC 1681e ] ( b ). This statute requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information pertaining to individuals in the reports they prepare. 

Furthermore, MicroBilt is in direct violation of [ 15 USC 1681b ] ( a ) ( 2 ) of the FCRA, which permits consumer reporting agencies to furnish consumer reports only in accordance with written instructions from the consumer whose information is being reported. I would like to emphasize that I have not granted authorization to anyone to access my private and confidential records, including the information that your agency is currently reporting. 

These transgressions directly infringe upon my rights as a consumer, particularly my right to privacy, as outlined in [ 15 USC 1681 ] ( a ) ( 4 ). It is crucial to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. 

To rectify the aforementioned violations, I humbly request that you take immediate action to delete the erroneous items specified in the attachment from my consumer file within your agency. Failure to comply with this request will leave me with no option but to pursue appropriate legal action. 

I want to draw your attention to the seriousness of these violations. Identity theft is a grave offense, and these actions can be classified as aggravated identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). Knowingly transferring, possessing, and utilizing someone's means of identification without lawful authority is a felony punishable by up to two years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year>, I sent a letter requesting that you investigate items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, they have failed to respond to my request.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

Subject : Urgent Inquiry Regarding Credit Denial and Regulatory Compliance Opportunity to cure Dear American Express, I applied with my social and got denied regardless of my credit being denied. I believe there are aspects of this denial that raise questions regarding compliance with regulations set forth by the SEC, OCC, and FDIC. 

In reviewing American Express prospects dated XXXX XXXX XXXX I came across information in your own filing that emphasizes the extensive regulation and supervision under federal and state law. The disclosure highlights the broad enforcement powers held by banking regulatory authorities, including the FDIC, OCC, and CFPB, over American Express National Bank ( AENB ). 

Specifically, the filing states that federal bank regulatory authorities have the power to order the bank or its affiliates to rescind agreements, refuse to perform obligations, terminate activities, or take other actions if they find any unsafe or unsound practices or violations of laws, rules, regulations, or agreements. 

While I understand the necessity of regulatory oversight, it is crucial to ensure that such regulatory actions are applied fairly and justly. In light of the denial of my credit application, I am seeking clarification on how the decision aligns with the regulatory framework and whether any concerns raised by regulatory authorities influenced this outcome. 

Furthermore, I want to draw attention to the prospect 's statement that regulatory action could result in delays or reductions in payments to certificate holders. This raises additional questions about the potential impact on individual credit decisions. 

I am eager to resolve this matter amicably and seek your assistance in providing a detailed explanation of the factors contributing to the credit denial, ensuring alignment with regulatory requirements. Your prompt attention to this inquiry is appreciated. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX, agent
Consumer complaint received 2023-11-17
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. (TX)

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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 2024-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

In accordance with Fair Credit Reporting Act these original creditors and collection companies/debt buyers have violated my consumer rights. Under 15 USC 1681 section 602 states I have a right to privacy.15 USC 1681 section 604 ( A ) section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late under any circumstances or purpose which would cause it to be charged off as debt and sold to a collection company.Furthermore, under section 609 ( a ) ( 1 ) ( A ) credit reporting agencies are required by federal law to verify through physical verification an original signed consumer contract on any and all accounts posted to a consumers credit report.