davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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. (FL)

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional 30 days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I deactivated my account due to unauthorized access through a phone porting scam. I was able to deactivate it before any funds were withdrawn. I changed my phone carrier to a more secure company and am now trying to regain access to my account as I have a substantial amount of assets there. The customer service is almost nonexistent. I have received an email back requesting I forward I.D . and KYC documentation. I have complied with their requests and have heard nothing back for nearly a week now.
Consumer complaint received 2023-01-05
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. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (DE)

My debit card along with other items were stolen from my house by an individual that I know. I filed a police report and got a restraining order because he admitted to stealing my stuff thru text and via phone and started making threats when he refused to return the items after I told him I was going to the police. The bank closed my dispute and stated that the transactions were authorized when I have proof that it wasnt. The bank stated that the transactions were authorized because a valid pin was used however my old pin is a pin that I use for everything ( phone lock, voicemail, debit cards, ebt card etc ) because it has a meaning behind it. The transactions were not authorized and I feel as though this is unfair to suggest it was.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

I applied for mortgage assistance on XX/XX/XXXX thru Mr Cooper. I was denied on XX/XX/XXXX the reason Mr Cooper told me verbally was, they stated the file was denied because I received a modification in XXXX, then again on XXXX, which both those years are correct the problem is they stated the investor only allows 3 modifications in the life of the loan, I only received 2 but they claim since I submitted for one on XX/XX/XXXX and declined me that submission on XX/XX/XXXX counted as a modification therefor my modification options have been exhausted. 

Even in the denial letter which I had to ask for multiple times and never came in time so I can appeal, I have attached the denial letter. 

I asked for assistance due to the death of my husband but Mr Cooper is refusing to help me, I am concerned of loosing my home due to the fact.. Mr. Cooper will not properly give me the opportunity to get current. I've asked for Mr. Cooper to place the amount I owe to the end of the loan and leave my rate and payment and terms the same simply to allow me at least for 1 year to make payments on time so I can refinance out of this loan but they refuse.
Consumer complaint received 2023-05-23
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. (NY)

I filed a dispute with equifax and XXXX XXXX XXXX XXXX XXXX, both companies are reporting a debt that doesn't belong to me, XXXX XXXX XXXX XXXX XXXX sent over documentation showing a signature that isn't my signature just shows my name eletronically, I need real verification of debt showing that the debt belongs to me with my actual signature, my husband was incarcerated at the time of " lease agreement '' the signature doesn't match his signature nor does it match my signature, this account has been removed from my husbands credit report, I am giving equifax and XXXX XXXX XXXX XXXX XXXX 14 days to remove this from my credit report or I intent to file a suit. 

I need need to know what method was used to validate this debt from equifax and XXXX XXXX XXXX XXXX XXXX XXXX 

I uploaded the application showing that both signatures on the applcation are the same, so whoever signed this lease it was signed by only one party and the other signature forged, which constitutes fraud
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (OH)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-05-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

XXXX Complaint ID : XXXX Equifax Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : 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
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

As of XX/XX/2023, Robinhood has restricted my account for no reason other then telling me after a review of my account a temporary restriction was placed to safeguard my account. 

I have around {$7000.00} in the account. I am a day trader and this is how I pay my bills and feed my family. They are creating an issue because I use different banks to transfer money to and from my account, but they won't allow me to add more debit cards for instant transfer so I can't use the debit cards from my new bank accounts. 

So now, because I have different bank accounts depositing and receiving the money, they are assuming fraud when they are the reason I have to do it this way. I will be linking my account statements showing how I move money between accounts to deal with Robinhood 's archaic system.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-05-22
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. (GA)

Greetings, I am writing because I have certain protections under 15 USC 1681 and I believe that Equifax has violated them on a number of occasions. I demand that the account listed below be removed from my credit profile immediately because : 1. According to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish information concerning these accounts.

2. 15 U.S. Code 1681s-2 states : 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. 

There is inaccurate information on my report and I have contacted Equifax concerning this matter, yet they have made no changes. 

The account is as follows : XXXXXXXX XXXX XXXX - ACCT # ENDING IN XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (GA)

XXXX XXXX IQ Data International is unlawfully attempting to collect and reporting an account that has been included in my bankruptcy. Under the U.S. Bankruptcy Code, any collection efforts or reporting on this account are illegal due to the protections afforded by the automatic stay and discharge injunction. Furthermore, the information they have reported, particularly regarding the date of activity, is incorrect and misleading. This constitutes fraudulent reporting, and I am requesting an immediate correction. Specifically, I demand the deletion of this account from all records to rectify this violation and ensure compliance with federal law.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (OH)

I kept seeing late payments being reported by lendmark financial but you couldn't see the late payments they were reporting the past old derogatory remarks section I finally found them last week and from XX/XX/XXXX to XX/XX/XXXX they reported 40 late payments and we disputed it 2x already they refused to fix them then last week we disputed it for the 3rs time and then instead of fixing it they report 20 more weeks of late payments the account has been closed for over 1 1/2 years it's a local office worker names XXXX XXXX he is purposely reporting the late payments knowing I'm in business and this has crossed the line esp now the reports need to be removed after this little stunt I just lost my SBA loan over this action my credit just dropped nearly 100 pints and I want something done or I will take a personal approach and make a physical interaction over this issue it's an attack on my personal well being and it's a cowardly attack on me and my life and now it just turned beyond personal and today something is being done about this this doesn't just effect me it's effect my community especially knowing I am working on developing a rural community growth and development company and this just drove it in the ground and at this point I only see one option and it's an attack on this local office me and them and I have to follow through with this it's been happening long enough this was discussed last week it was supposed to be fixed and they were still reporting it as an open account I am done like I said I have nothing to lose at this point and this is why there are shoot outs in rural America/ the Urban jungles. XXXX piece of XXXX like this guy personally attacking hood honest people because he was caught working with a local dealership giving out predatory loans and taking side money and this is his retaliation back XXXX no not anymore he will pay the price on lead weight that he adds on you can rest assure that. I want legal actions brought against this company and I want this man XXXX in the stress no doubt. He won't make it this far.
Consumer complaint received 2023-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts.A copy of a bill doesn't prove that an account was open by me The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/year> I deposited in an ATM {$400.00} cash and it did not offer a receipt. I contacted the bank on same day by phone to advise them of this issue and they said they would research it. On XX/XX/year> they sent a letter advising they were reviewing my request. On XX/XX/year> another letter stated that they did not find a record of any deposit of the {$400.00} cash at that ATM machine on XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I visited the local branch on XXXXXXXX XXXX XXXX XXXX to complain about the response of not finding any deposit. Then I have now contacted your agency to help me with this issue. It is a Citibank NA ATM machine at a location that does not have human service just standalone ATM machines.

The reference number on the two letters and my complaint to Citibank is XXXX.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

I was sent {$90.00} by someone I did not know on XX/XX/XXXX. The same day I sent money to a friend of mine. Before all of this, my friend who I know asked me for my XXXX info, stating that I may receive some money later that day. I was not informed what it was for, who it was going to be from, or how much it was going to be. 

XX/XX/XXXX, my XXXX account phone number and email were removed from XXXX and restricted so that they could not be used again. 

When I called and tried to explain my situation to a specialist at Wells Fargo over the phone ( after normal banking hours ) I was met with hostility like I was being interrogated for a crime, and as I was explaining what happened, the call center representative accused me of crime without due process and without even letting me finish my sentences. 

She refused to let me continue speaking, talking over me and sighing heavily and dramatically. 

She said I should not be sending money to a business, receiving money on behalf of a business, and that I should let the sender of the money do business without me being involved, essentially accusing me of knowingly engaging in some kind of money laundering or money crime. 

I was very angry and ended up hanging up the phone. 

I then learned that my online banking was locked and I no longer had access. 

This is vexing and caused me a lot of XXXX  because I can not afford to not have access to my bank account or my XXXX. 

I called again, where I was met with a very rude man who also talked over me, would not let me speak, and told me that he was warning me that he would hang up if I did not stop talking, he hung up. 

I called again. 

I calmly explained my situation, explained that shutting down access to my account is damaging to me in several ways and that I believe my account access was shut down by the original employee at the call center I spoke with unfairly in retaliation for an offense. 

I was informed that they can do nothing and that I am being investigated. 

I told them that I will be pursuing legal action for their mishandling of my account and the damage they are doing to me by accusing me of crimes I did not commit and cutting off my ability to send and receive money via XXXX, which is a payment method I use to pay my bills, unless they restore my account access and my ability to use XXXX to send and receive money.
Consumer complaint received 2023-03-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DE)

I just recently paid all payments to the debt collector called XXXX, for creditor XXXX XXXX. I requested a SETTLEMNT LETTER as proof the account has been Paid in full as of XX/XX/XXXX. This company will not send the SETTLEMENT LETTER as of today. What should I do now. The total amount was {$3000.00} starting in XXXX on XX/XX/XXXX. 

Thank you for your help
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (OH)

Didnt give me any information about the debt except that I owed them because XXXX didnt cover my full amount. She said that " I owed them two separate amounts, XXXX XXXX and XXXX XXXX  '' she didnt explain what either of the debts were owed for. she told me that they would settle for XXXX XXXX XXXX I didnt agree with it and she forcefully told me that she would take the deal if she was me and that shes going to mark my account that i have one day to pay it. I initially tried to dispute it and she told me that i couldnt do that. This was just an XXXX ridden situation with Revco Solutions.