davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (GA)

On XX/XX/23 I spoke with a XXXX XXXX Supervisor in the Loan department regarding how my checking line of credit was being report to Transunion, XXXX, and XXXX credit agencies. The XXXX said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my XXXX checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc. (TX)

These people threatened to put this on my credit when I told them that it was not me that opened it. They put it on my credit as late payments as well as into collections. This brought my score XXXX  points down
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have diligently disputed inaccurate information reported by TransUnion, XXXX, and XXXX on my credit report. Despite providing detailed accounts and outlining the violations against my consumer report, these credit bureaus have neglected to respond within the mandated XXXX timeframe. Attached are copies of all letters sent, evidencing my efforts to rectify this matter.
Consumer complaint received 2023-05-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

XX/XX/XXXX, I selected Rocket Mortgage to process my loan based solely on XXXX percent of the loan that would be credited toward closing as advertised on their website. This was confirmed by my XXXX XXXX XXXX XXXX. I followed all the rules ; and I used a subpar Rocket Mortgage-authorized realtor per the requirements of the promotion. 

When I found a home, I thought the hard part was overthat was when Rocket Mortgage 's loan process became the main character. The representatives and the system supporting the loan progress were excellent for most of the process. My primary contact XXXX was professional and would reach out to me anytime she had a question, and all issues seemed to be quickly resolved. I felt the process was working until I finally got my pre-closing document and noticed that the 1.5 percent from Rocket was not listed. XXXX told me it would be on the final document. The closing document came, and it still wasn't listed. I was then told I " got a better deal '' ; the credit was used to buy down the loan. No points were listed in the closing agreement, and XXXX XXXX, when I locked the rate, there were XXXX points. I reviewed the document, and saw no points, or a decrease in the cost of the loan, and again pointed out that it was not the agreement. 

I was passed around only to find out that no one could tell me where the 1.5 percent was credited in the process, but all resources at Rocket insisted that I got a better deal.

A better deal can be explained, and NO one could do that. A better deal should be agreed upon, and until the last minute, no one told me that Rocket was not going to honor its promotion. I have no choice but to sign the loan because this was communicated within three days of closing, and I would need more time to get a new loan with another funder. 

This was a Bait and Switch, plain and simple. 

Rocket Mortgage should fulfill its commitment and refund the 1.5 % of the loan amount since it was not credited to closing as agreed upon to reverse this bait and switch.
Consumer complaint received 2023-04-12
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. (CA)

Not only are there inquiries on my report that I did not receive anything for which is a form of identity theft but there are accounts on my credit report that have not been validated thoroughly and correctly, been removed and reported on again, and my wet ink signature proving my CONSENT to share my PERSONAL AND PRIVATE information with these third party credit reporting agencies was NOT obtained.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CA)

The bill for {$2600.00} being placed in collection by Phoenix Financial Services is not mine and have advised them of the fact. I have been a victim of identity theft and have requested that they provide proof that this bill is verified as my billing against me. The company has ignored my request and continues to place a negative notation against my credit report. The matter has remained open since XX/XX/2023. 

There is no proof of such a billing for services being provided and am requesting that this be immediately removed from my credit report. 

PHOENIX FINANCIAL SERV Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (CA)

I was a victim of phone fraud on XX/XX/2022. I received a voicemail from a person I was lead to believe was a Lt from the XXXX XXXX XXXX department stating that I missed a court date and I was called as an expert witness ( I'm a XXXX XXXX  ). They stated that there was a subpoena sent to my old address ( which they provided me ) and it was signed for. Since I missed this court date the judge issued 2 bench warrants ( and they provided me with the case numbers ). I was given the option to pay my " bail '' which was set to {$9000.00} and then head to the Sheriff department to verify the signature was not mine. If I did not pay the bill before I headed over, I was to be arrested for a 72 hour hold. Again, I'm an XXXX and work for a government agency and had patients to care for so I could not be arrested. I said I will try to pay. I was advised to send {$2000.00} now via XXXX to the FBI bond XXXX, I asked the name before I sent, and they said XXXX XXXX XXXX. I did as told and then spent the next XXXX hours with the man on the phone procuring more money. Once they asked me to turn it into XXXX, I knew it was a scam. They were very convincing. I called Ally bank right away to dispute this charge. They sent a letter to me stating that " the disputed transaction is considered authorized because : the disputed transaction was completed with a merchant with whom you have an established relationship. '' I have asked for further paperwork to understand their decision. I also filed a police report with XXXX XXXX police - report number : XXXX.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (SC)

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from LightStream on XX/XX/2023 and also from XXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-11-28
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account XXXX XXXX XXXX 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 2022-12-22
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: Experian Information Solutions Inc. (PA)

On XX/XX/2022 a letter was sent disputing the inaccurate and incomplete information on my consumer report i was never notified about the investigation SEE attachment
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I pulled my credit report a few days ago to see why I was not getting approved to rent a house. I saw on all of my credit reports that Bankruptcies were being reported on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds or the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 
If XXXX can not validate this information per FCRA 623 ( a ) ( 5 ) they will need to remove all Bankruptcies Permanently from my social security number immediately.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I am currently on unemployment. I received my benefit for 2 weeks yesterday. Somehow someone up in XXXX XXXX withdrew {$760.00} from my EDD card at an ATM, which means there is a duplicate card. I made the report and they are doing an investigation, however the {$760.00} that was stolen will not be replaced for 45-90 days. My rent is due XX/XX/XXXX, as I tried to explain. Bank of America said there was nothing they can do. I am trying to secure a loan to pay for my room, but there is a good chance I will be homeless, through no fault of my own, because EDD and Bank of America have been compromised. It dose make a lot of sense to me why they cant do direct deposit is beyond me, it would have ensured this problem and a {$760.00} loss would have never occurred. If there is anything you can do to help expedite the replacement of my unemployment benefit it would be greatly appreciated. Best Regards. The date of the withdrawal was XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

I have XXXX accounts with XXXX with account numbers XXXX and XXXX. These accounts are closed and have a {$0.00} balance. They were both included in a chapter XXXX bankruptcy that was filed on XX/XX/2011, with reference number XXXX. Both accounts have a negative mark as '' failure to pay '' in XX/XX/2011. Under The Fair Credit Reporting Act, these accounts should not have any negative marks from the date of the filing date of the chapter XXXX bankruptcy.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (UT)

CITI IS NEGLIGENT AND NON-COMPLIANT WITH EVERYONES PII!!!!! 

Citi has misused my and another XXXX XXXX 's PII. I have been trying to obtain proof that Citi verified information and they have failed time and time again to provide proof. They have NEVER verified any PII with me and have failed to prove the account was opened by a human. The company they sold my information to has changed the name of their company on several occasions. They also changed the address on my credit report without consent or knowledge. Both Citi and XXXX XXXX XXXX have done nothing but, engage in psychological warfare. I had someone harass me at my home telling me to answer the door because they could hear me walking around. HARASSMENT!!! I have tried on multiple occasions to resolve the matter on my own with Citi and they continually blow me off. I have asked for physical proof that they verified any information on the account and they have pretty much told me to take their word for it. It violates the FDCPA. I have consulted an attorney on this and will be pursuing legal action. I have never lived in Wisconsin ( where XXXX XXXX lives XXXX nor have I ever lived in New Jersey but XXXX Citi and their scam collection agency want to say so without any proof. 

I have tried reaching out to XXXX XXXX and was blocked when I brought the breach to his attention. Not exactly a stand-up kind of guy but, it goes along with how Citi has acted since the identity theft was brought to their attention almost a year ago. 

The other more troubling issue I have with Citi is their failure in compliance. I have complained about the account they claim as mine is identity theft. Citi can't even manage PII properly because someone at their company sent me an email regarding a deceased customer of theirs. The funniest part is XXXX XXXX 's daughter 's name is XXXX XXXX but, she lives in Wisconsin.
Consumer complaint received 2022-12-22
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. (CA)

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 XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Management Control, Inc. (TX)

On XX/XX/2017, this debt for { {$100.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please do n't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-12-22
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Portfolio Services, Inc. (OH)

This account is unauthorized and has invalid information and violates my privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section 602 States I have the right to privacy.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MT)

In the past I have addressed the fact that there were no warnings given for declines or impending fees. And when there are declines the declines were erased from history so I didnt know what was declined, I just accrued an abundance of fees. Sometimes the fees accrued and took up what could have covered some of the cost of of a payment that was declined.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.