davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
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. (GA)

Ive been trying to dispute these accounts Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report XXXX Each account has been investigated by the XXXX police department and declared as fraud
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX FL XXXX, IL XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-05
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2020-03-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (NC)

On XX/XX/2018, we started a loan application with Veterans United Home Loans which did produce a loan and purchase of a home with a VA loan. At closing, per our loan agreement and records showed what was included in our escrow account ; Home Owners Insurance, Flood Insurance, Taxes, and POA assessment fees for the year 2018. After three months, our loan was being serviced by a different lender. Our taxes and homeowner 's insurance was included in our new escrow account with the new lender. However, our flood insurance and POA assessments were not there and there was no flood policy written as well. We did pay Veterans United Home Loans for flood insurance but yet there was no policy. After reaching out to Veterans United Home Loans back in XX/XX/2018, I was instructed to contact our insurance representative. I have fixed these issues since, and now being contacted by Veterans United Home Loans trying to get our business again to refinance just to be sent to a different lender shortly thereafter. I will include the correspondence received from Veterans United Home Loans, and I did ask to be taken off their contact list. 

We also know why they, Veterans United Home Loans, are contacting us now is because we did try and refinance our VA loan with horrible experiences from four different lenders this past month. Our experience was that the lenders would basically get our home equity in either closing or points costs to us for just a difference of $ 100-200 in our monthly payment. We felt that we would gain better by paying extra towards our principal balance each month to lower the amount of interest we would pay over the time of the loan. My husband and I feel that these lenders knew exactly what they were offering and why. 

We would wish others to understand that equity in your home is precious and giving it away to lenders for a difference not beneficial to a veteran is not the way to go. 

All of the lenders offered the four listed problems that the VA stated to watch out for. We just want to get the word out there.
Consumer complaint received 2023-08-24
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. (AL)

fraudulent inquiries on my profile. XXXX has deleted them but XXXX and Transunion have yet to follow suit. im asking for XXXX and transunion to delete the inquiries also because they are fraudulent
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Disputed identity theft account on my credit report with Experian and with a XXXX XXXX XXXX on the first week of XXXX. XX/XX/XXXX the information was blocked removed by experian and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to experian within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Omega RMS, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Omega. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Omega in regards to this matter. The FTC also instructed me to complete anid theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Consumer complaint received 2023-08-24
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: TD BANK US HOLDING COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I recently filed a complaint in XXXX of XXXX to no avail. I still can not access my consumer credit report on the Equifax XXXX They have continued to request that I mail and upload verifying documents such as mail, photo ID, social security card and other personal identification documents. This has been requested and sent over XXXX times in XXXX years. Since then I have noticed an increasing amount of inquiries, new accounts and phone calls from companies to verify my information for credit purposes. The website since XXXX has stopped showing me my credit report. I have requested my report by mail several times only to never receive it. The only way since XXXX that I have retrieved a copy of my report is by going to the XXXX office and paying for one in person. I believe there is something wrong with their mail and upload system. These faulty practices is what must have contributed to the data breach that I was a victim to during their scandalous breach. 

Equifax does not protect consumers information and is violating my consumer rights by not providing me with my report while charging me for the report and never releasing it.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked my credit report on XX/XX/23 and found inaccurate information on my report ( XXXX XXXX XXXX ). I immediately wrote a dispute letter and sent it off. Thirty days went by and I didn't get any kind of response, so I sent another dispute letter and included some inaccurate personal information that I wanted removed. Thirty more days went by and I have yet to get any kind of response from TransUnion. I sent one last letter to them, and depending on their response will depend on whether I file a complaint with the FTC and the XXXX. I've also been in contact with a couple of consumer attorneys that work on contingency just in case.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (AZ)

This will be the 3rd time I have filed a complaint for the same thing I got the same response both times and both times I have tried to contact Cash App and was told the same thing nobody knows what it is I need to verify with them The 1 st complaint number is XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I didn't make the atm transactions nor did I allow anyone to make them this has been going on for over a year XX/XX/XXXX XXXX transaction were made at a atm 2 of them are for {$500.00} and one was for {$500.00} both of the {$500.00} atm transaction were completed the 1 for {$500.00} was declined I have filed disputes over and over with Cash App with no luck Both times its been the same response. They keep saying that they can't verify that I am the account owner I have called over and over and YES MY ACCOUNT IS VERIFIED!!!!!! When calling Cash App you CAN'T talk to a manager they say they will be in contact with an email that you don't ever get The agents on the phone will just hang up on you because they don't know what to do PLEASE CAN YOU HELP ME GET MY MONEY THAT WAS TAKEN FROM MY ACCOUNT {$1000.00} I again just now tried to contact support I told the rep what the response letter said and I was told that my claims were sent the SPECIAL RESOLUTION TEAM This is the Cash app dispute number XXXX the name that is on the email I got XXXX XXXX Here is one of the other dispute number XXXX the name on this one is XXXX support manager Please help me get my money back and or help me take my complaint someone that can help me $ XXXX
Consumer complaint received 2023-08-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

On the dates XX/XX/2023 and XX/XX/2023, XXXX transactions totaling in {$1200.00} were deducted from my savings account with the description XXXX XXXX XXXX XXXX. Once aware on XX/XX/2023, I filed a dispute. The investigation was found to be invalid due to my authorizing the transactions. When contacted, the financial institution was unable to provide evidence of my authorization. We proceeded to reopen the case. I also contacted XXXX to look into information about the transactions and was unable to get further information.
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NY)

I am doing this report because there were many fraudulent accounts in my credit report. 
I did not have knowledge about these accounts. This is inaccurate information that I would like to be removed. 


I am unaware of this account and the collections are reported in my credit report. 


Thank you.
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I have had my CASH APP account since XX/XX/2020. 
I use it often for my business to send funds to vendors, family, friends, and to use the XXXX XXXX for online purchases. 

On XX/XX/XXXX I accessed my account to find a message stating my account was closed because of " gambling or other activity. '' I have messaged support for 14 days through the customer service chat. There is no phone number available and each time I am told through chat that I will get assistance through email. Nothing ever comes so I reach out again only to have the same process repeated. 

I have NEVER gambled online or used my account to do so. I did not partake in any sort of illegal or fraudulent activity. None of the recent transactions were out of the norm from my typical transactions. There is no reason at all that my account should have been closed. 

I have been left with no options to seek help, and no ability to use the account my business has advertised as a method of payment we accept. 

I appreciate the help in advance.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Block, Inc. (OH)

Payment to XXXX XXXX Amount-XXXX Date-XX/XX/2022  @ XXXX I submitted the dispute with CashApp XX/XX/XXXX under case number XXXX. 

They advised that the dispute was denied due to not being able to verify it was me that allowed the payment to process.

I also contacted XXXX XXXX but they advised they could not locate the payment since

I dont have an account with them. Thank you.
Consumer complaint received 2023-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

Cashapp is the company. 
The issue began with inaccurate info on the account. Having not received the physical debit card from cashapp, but being able to transfer in and out and a digital card. I started noticing multiple transactions, for amounts {$19.00}, {$49.00}, {$99.00}. over and over and over. I notified them, and filed a number of disputes, explaining the debits were unauthorized, and unknown to me, notified them card never arrived, notified them some of the charges appeared to be duplicates. They put me through their dispute process, filled out their forms. Within a day or two usually, and up to a week following the filing of the dispute, I would get emails denying each and every charge, and the emails said the charges were authorized and processed by them at my approval. I followed up by requesting the explanation of how they reached this determination, as provided under Regulation E. I was emailed a spreadsheet that showed some of the disputed charges, with the status captured in the box next to the charge, and a description card not presented. No further explanation was provided. I proceeded to question further and sent them the information pertaining to regulation E and disputes resolution. Emphasis on the section that provides, if the institution can't establish valid proof as to the disputed transactions being valid, the customers account MUST be credited for the funds disputed charges. Again I proceeded to file additional disputes again to reevaluate their determination. Further agreeing to accept the {$50.00} liability on the unauthorized charges. And this kept going for several weeks. When all was said and done, they continued to deny the disputed charges, and failed to furnish any sort of explanation of how they reached the denial. Ultimately they closed my account claiming violation of terms and conditions, with no further explanation, simply this can only amount to their means to escape accountability for charges UNAUTHORIZED and disputed.
Consumer complaint received 2024-04-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

my IRA CD matured on XX/XX/XXXX I had 10 days grace period, I did not wish to renew.Fax was sent XX/XX/XXXX to requested a distribution request, the fax was ignored and CD was renewed til XXXXBefore that I called on XX/XX/XXXX 3 times and any day thereafter to make them aware not to renew, customer service agents kept transferring me around and had not much knowledge about CD procedures, I have all call logs and fax confirmation.I like action being taken and feel my consumer rights have been violated.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
XXXX : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear XXXX I'm sending you this letter to let you know about some errors in my credit report. I'm afraid these mistakes are doing a lot of damage to my credit report. To help you understand, we've provided the details of the incorrect entries below : Inquiries : XXXX OF XXXX XXXX : An unauthorized inquiry on the credit report. Fix or delete inaccurate inquiry. 

XXXX XXXX  inquiry : Inaccurate inquiry on the credit report. Looking for a deletion correction. 

XXXX XXXX inquiry : Inaccurate Inquire on the credit report. Resolve it or delete this inquiry. 

XXXX OF XXXX XXXX : The report has a credit inquiry that do not authorize. Delete the inaccurate inquiry. 

XXXX XXXX XXXX inquiry : Inaccurate credit inquiry is problematic on the credit report. Delete the issue presented. XXXX XXXX inquiry : Inaccurate unauthorized inquiry on the credit report. I need this deleted ASAP. 

XXXX OF XXXX XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX  XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX OF XXXX XXXX inquiry : Writing to dispute the inquiry as I did not provide permission. Look at this closely and purge it from my report. 

Mission XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. 

XXXX XXXX inquiry : Inaccurate credit inquiry on credit report. XXXX states I can get an investigation. XXXX asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

XXXX XXXX  XXXX inquiry : Inaccurate inquiry on credit report. Need you to investigate and delete. Inaccurate credit inquiry on credit report. 
XXXX states I can get an investigation. Im asking for it and then remove the inaccurate inquiry. 

XXXX OF XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 


XXXX XXXX inquiry : Falsely listed on credit report. Delete this disputed inquiry. 

I have the right to object to and request that false information in my credit report be corrected in accordance with Sections 609 and 611 of the Fair Credit Reporting Act. I humbly ask that you inform me of any delays and provide a reasonable timeline for when I might anticipate a response if a resolution to this situation can not be achieved within the timeframe specified.