davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Consumer complaint received 2020-07-30
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. (OH)

Upon checking my credit report I have noticed some addresses that do not belong to me. I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-10-05
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. (GA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2016-03-31
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ROC Asset Solutions, LLC (TX)

This company API Recovery Solutions, XXXX are repeatedly, myself included, contacting people who have or have not taken out payday loans. They do not send debt validations as requested. Additionally, when they are trying to contact people they are also calling possible relatives they find on a people locator and telling them that they need to speak to this person because there is an issue they need cleared up regarding a financial loan. They are contacting people from years past, ex-inlaws, ex-spouses, etc. There are many complaints on them. They are scamming people out of money when this person has not taken out payday loans. PLEASE STOP THEM. I have people I knew 25 years ago trying to contact me about them calling them. www.APIRecoverySolutions.com. I do n't know where they are based out of, website does not indicate.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Today, XX/XX/XXXX, XXXX I was going through emails and noted that on XX/XX/2022 at XXXX I received an email from Bank of America XXXX that an online application was in process. 
I received a second email from Bank of America XXXX with the exact same time stamp as above reading your application was approved. The contents of that email read that my new account was open for Bank of America XXXX XXXX Banking, including an account number. 
I have a third email from the same address with the time stamp of XX/XX/2022 at XXXX with a link to view service agreement. 

I did not open such account and do not bank with Bank of America. 

After seeing these emails, I immediately do a search for the email address that sent them and also searching for other reports of the same incident- I came across a huge XXXX XXXX with the users posting the exact same complaint, with the most recent post being today. The users claimed they made attempts to call Bank of America and report the fraud- and every post stated Bank of America could not assist with the report because of various reasons. Most users reported they had to start the process by submitting a complaint through this website- which is why I have not contacted Bank of America and submitting my complaint first.
Consumer complaint received 2022-11-23
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. (CO)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-28
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)

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : 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 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2022-11-23
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. (NC)

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 2022-11-23
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. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-05-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar has been pursuing debt collection activity that they alleged was transferred from XXXX XXXX XXXX, XXXX XXXX. 

The loan XXXX transferred from XXXX XXXX XXXX had a zero balance. 

On XXXX XXXX, XXXX, Nationstar indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, Nationstar 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX Nationstar is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, Nationstar sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, Nationstar 's Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, Nationstar reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX XXXX. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX XXXX. Past Due amount {$110000.00}
Consumer complaint received 2022-10-05
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2023-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (TN)

In XX/XX/XXXX a loan for {$1800.00} was taken out, and we was told if it was paid within back within 30 days there would be no interest or penalties! So on XX/XX/XXXX I paid the {$1800.00} back in full in the form of a cashier 's check from my bank XXXX, but Regional Finance still shows on my credit report that I owe them money ( never marked late or nothing ) instead of stating paid in full... so this needs to be corrected immediately, cause I owe them nothing!
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Utah System of Higher Education (WI)

I was supposed to begin paying my loan serviced by XXXX in XX/XX/XXXX as I graduated in XX/XX/XXXX. XXXX claimed that I was in school until XXXX. I advised that this was wrong and I asked to begin paying my student loan and asked how much the payments were. They refused to give me a payment amount blamed the wrong date on XXXX ( the school ). I know this is not correct as I have another servicer and they provided me with payment information. They offered my a forbearance, which they said I could only have one. I declined as I want to have it available for a future time in case I need it. I began paying the loan and have made two payments of {$500.00} each, only guessing as to the amount because XXXX refused to give me my repayment figure or any due date. 
Yesterday, I received a letter noting a forbearance of XX/XX/XXXX-XX/XX/XXXX, stating late notice of separation. I am confident that this was not a late notice by the school or by me ( if fact I did notify them-at least three times. ) Instead this is an error made by XXXX. XXXX still has not provided me with either a due date or a payment amount. I don not want the forbearance. I do not want to pay any extra fees based on their errors. If possible, I would like my loans transferred to a servicer with a better servicing record.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : $ XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2023-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

The credit card was never mine and I never had a Walmart credit card. I contacted them years ago and thought it was cleared up now XXXX XXXX XXXX has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 ; XXXX XX/XX/XXXX.
Consumer complaint received 2015-11-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION (CA)

First Mortgage Company sold our existing loan to XXXX, however, when they sent a check to represent our escrow account balance to XXXX they only sent a check for {$3600.00}, yet our escrow account had {$3900.00}, that 's a {$310.00} difference. I have tried contacting the company but I can not get a hold of anyone and I have grown increasingly concerned.
Consumer complaint received 2022-10-05
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. (KS)

Effective XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) became the provider of bankruptcy public record information to TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was discharged in my bankruptcy andis not reflecting so on my transunion report. also, the account is reporting a payment status as XXXX  days late. The normal transunion dispute process has not successfully updated this account to reflect included in XXXX  XXXX. I required your assistance so this account is included in XXXX  XXXX i have attached the list of creditors including XXXX Thank you.
Consumer complaint received 2022-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have submitted a dispute with the following company and have not received my desired results. Please see my attached documents and have the companies remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove, one, I gave them permission to furnish and, two, prove I was clearly giving an opportunity to opt out of reporting in which the law allows if non-public information is being furnished.
Consumer complaint received 2023-02-03
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (WA)

I am writing to formally lodge a complaint against Apple Card and its banking partner, Goldman Sachs, due to the inexplicable and repeated restrictions placed on my Apple Credit Card and Apple Savings Account. The restrictions have not only caused me undue stress and inconvenience but have also resulted in the unwarranted withholding of my own funds. 

Starting from XX/XX/2023, my Apple Credit Card has been restricted three times, with each instance leaving me in an extremely difficult position. Subsequently, my Apple Savings Account was also restricted. Upon contacting the company, I was informed that my accounts were under review, a process they claimed would take a maximum of ten business days. 

However, today marks the end of the third week since the initial restrictions were placed, and no resolutions have been offered or intimated to me. I have made numerous attempts to rectify this situation through Apple Card 's customer service and the corresponding department, yet these attempts have proven to be futile. My requests for a legitimate reason for the restrictions imposed have been consistently ignored or inadequately answered. 

Despite my diligent efforts in escalating my case four times in conjunction with both Apple Card and Goldman Sachs ' team, the responses I received were generic and non-committal. This lack of concrete communication and action from their side has put me in an undesirable position where my own funds are effectively inaccessible to me. 

Thank you in advance for your prompt attention to this matter. I trust that you will act decisively to uphold my rights as a consumer and help me regain control of my financial resources.