davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$5500.00}
Consumer complaint received 2017-03-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

1. I have a 84 month CD with USAA - terms ended in XX/XX/XXXX 2. I called USAA on XX/XX/XXXX and requested the following - a. a copy of the XXXX XXXX from XX/XX/XXXX, and to roll my CD into a Savings Account until I decide what to do with the Money. The Representative XXXX said that this will take place, I requested to mail my XXXX and what ever else I need to do for this transaction to take place - call ended 3. On XX/XX/XXXX I called USAA back to see why I still have not received my XXXX, I spoke to XXXX first that informed me that it was not sent, and that the CD has now rolled over to another 84 month term. I said it was a mistake that it should have been rolled into a Savings Account, XXXX transferred me to XXXX. XXXX explained to me that I would have needed to fill out more information to open a Savings Account, I told him that this was never discussed with me. He researched the original call and said that the call was disconnected. I mentioned that I did not think it was disconnected as I was told from XXXX that he would take care of everything. I proceeded to file a complaint for a resolution. XXXX established an official complaint and said that they will order the transcript of the phone call. 
XX/XX/XXXX XXXX from USAA called me, said she is working on my complaint. 
XX/XX/XXXX XXXX called me said they reviewed the call - told me that the original request for my XXXX and the request for the CD to roll over into a Savings Account was made by me, but the call got disconnected ) MY COMPLAINT : 1. If the call was disconnected ( why did USAA not call me back? ) They do have information on the call where I requested to transfer my CD into a Savings Account and a copy of my XXXX. In my opinion they did not help me as a customer to complete my request. They let my CD roll over for another 84 month at a 1.01 % interest Rate. This was also not communicated to me in any way. 
2. I requested a copy of the transcript of the call, which was denied to me
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

Promotional purchase states to avoid paying accrued interest charges on any deferred interest promotional balance you must pay at least your minimum payment due, if any and the entire applicable promotional balance by the expiration date it also states that if your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available. When I called to pay off the promotional balance I was told I could not have money allocated to the no interest promotion that any balance after its expiring will be rolled over to the non promotional balance and be subject to interest but they don't let you pay it off in full.
Consumer complaint received 2017-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TN)

When my home loan from XXXX was sold to or contracted for servicing by Ocwen, an escrow was assigned without my consent. The payment amount tripled. I was charged additional interest and fees for nonpayment of those amounts. In short, Ocwen refused to retake control of my note under the original terms. The escrow amount is bogus, XXXX dollars per more than I was paying for taxes and insurance. I have been unable to reach anyone at Ocwen who can explain the amount OR refer to language in the original note that required or permitted them to take such an action. Neither would they allow me to pay just the regular principle and interest amount without applying 2/3 of the payment amount to the escrow, so I could pursue a remedy. 

Needless to say, the much higher monthly payment cause delinquencies that accumulated, but not above the disputed amount. Now they are proceeding with a foreclosure auction this month ( XX/XX/XXXX ). To make matters worse, they sent notice to my renter. ( The property is an owner occupied duplex. ) I have never been able to speak with the same person twice at Ocwen. 

Can I stop this and make them work with me to relinquish the escrow on the loan? 

A person can work with local government on the taxes, if necessary, as they have to answer to the public!
Consumer complaint received 2018-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

So on XX/XX/XXXX, I saw an transaction of XXXX dollars that is mine transferred to another account that I dont have or I dont know about. When I called chase 2 days in a row to get this resolved they could not give me details nor could they tell me what account it was transferred to so I could get my money back. So me, my mom and sister have a joined account but separate checking accouts. So I can not see their money nor touch it. My little sister was involved in a fraud thing where she got scammed someone withdrew XXXX from her account and chance was suppose to handle it and close her account. So I guess chance took my funds out my account and put it in her account to cover it. But I dont get how they can take my money from mine to use to hers just not right. Plus I had nothing to do with her stuff. Just have a join account. We spoke to someone from chase and they said that ; that account was suppose to be closed and no one should be about to touch it.
Consumer complaint received 2022-11-23
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX : {$5900.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian is reporting a bankruptcy on my credit report and has put the data furnisher as the, U S. Bankruptcy Court of Georgia, which is false. I have included a letter, from the U.S. Bankruptcy Court of Georgia, that states that they DO NOT furnish such information to the credit bureau or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Experian is falsely reporting this information on my credit report and have yet to remove it from my report.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX student loans that were transferred to XXXX from the US Department of Education or XXXX, but when I look into my credit report there is a different name that I have never heard in my life ( American First Finance ). Model is no longer showing on my XXXX credit report. My student loans needed to get off my credit report and forgiven because I filed bankruptcy and it is still on the credit report.. I called the company for this information or to get this remove, I called XXXX and they would not help me about this issue. I requested these charges to be remove from my credit and I received an email stating I requested the dispute to be remove but when I called they tell me that this was not done and the investigation was completed within XXXX  days. They said the information is true and accurate.
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 Collections U.S.A., L.L.C. (CA)

Credit Collection XXXX is trying to collect a fraudulent debt on behalf of XXXX for {$600.00} I 've contected credit collection XXXX and disputed the charge with them as well as experian. 

The collection ceased for a couple months and has returned. I 've never lived at the address where these services were used and have credit fraud monitoring, a filed police report, and have never been a customer of comcast, however these services were still allowed and now CCXXXX is pinging my credit for a bad debt.
Consumer complaint received 2022-11-29
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

Can not get through to Equifax over the phone. They offer no other options to reach them. Unusual and maddening. They seem to be using this crisis to try to sell products. I accidentally signed up for their free 30 day trial and there is no warning there that if you have been affected by the data breach you have a year of free monitoring. No chat, no email, no opportunity to leave a voicemail and get a call back, When I did just get through to their number 5 minutes ago, they said it would be a half hour wait and then very loud and annoying hold music came on. These people seem to feel they do not need to be accountable. I will try to go in and cancel the 30 day trial online in a few minutes. And executives should be duly prosecuted for insider trading. Enough!
Consumer complaint received 2023-06-08
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. (IL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigated but that is impossible if the open date is inaccurate, the high credit is inaccurate, the date last reported is not accurate, the date last active is inaccurate, and the date of last payment is inaccurate. This is ground for removal, they also violated my rights under : 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 Also states responsibilities of furnishers of information to consumer reporting agencies. 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. 

Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking number # XXXX, # XXXX, # XXXX
Consumer complaint received 2023-03-01
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. (NY)

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 number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # 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 2024-03-07
Product: Credit reporting 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. (NY)

While checking my personal credit report, I noticed inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If they can not provide me with proof that I authorized them to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from their records. Failure to comply with my requests within XXXX ( XXXX ) business days will be my evidence used in Federal Court of these companies ' willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accelerated Receivables Management, Inc. (FL)

I am a XXXX year old widow of a military veteran in XXXX, FL. A company called Accelerated Receivables Management, XXXX XXXX XXXX, http : //www.cuttingedgecollections.com/ has been calling and leaving threatening messages on my answering machine. They want the attorney for my deceased husband, XXXX XXXX, to contact them. When my daughter called them from her place of business to find out the reason for their call, they told her that XXXX XXXX XXXX is suing my deceased husband, XXXX XXXX for an unpaid debt in XX/XX/XXXX. She tried to explain that my husband died XX/XX/XXXX and we do not use XXXX XXXX XXXX - they must have the wrong information. The agent for Accelerated Receivables Management, XXXX XXXX, threatened my daughter by telling her he was going to serve her papers at her place of work and take her to court. My daughter reported them to the XXXX, State Attorney 's office and sent an e-mail asking for a Validation Notice because we do n't even know how much they are trying to collect. Is n't there something wrong with harassing me and my daughter for a debt we do not owe - especially with nothing in writing from them regarding the amount, date of service, etc.? They should be stopped from exerting such high pressure tactics to try and scare me and my daughter into paying a debt we never heard of.
Consumer complaint received 2023-03-05
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. (LA)

I reviewed my consumer reports and noticed that late payments on my account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX account numbers XXXX & XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments to be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2023-04-14
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. (MD)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX