davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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/block any items 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. 
( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (FL)

On XX/XX/2023, Clover Merchant Services, processed a credit-card payment in the amount of {$3900.00} in behalf of my business. The client was verified by Visa and the charges approved. Clover Merchant Services, refused to release the funds to my business for over 10 business days. The client could not wait any more for his product, so he demanded a full cancelation and refund to be applied to the same card. I have requested such refund from Clover and canceled the invoice. XXXX XXXX from Clover Corporate contacted me about the dispute and told me Clover was going to hold funds from my client up to 90 days for no reason, this could be considered in most instances theft, there is no reason why my client ( the victim here ) should not get his money back, no goods were delivered, and no money was ever deposited into my account by Clover. XXXX 's attitude, rudeness, discourtesy, and lack of empathy, reflect the true predatory nature of Clover 's corporate. She did nothing to help and it seem she enjoyed putting my client and my business in a dire situation. I would never do business with a company like this again. Stay far away from Clover Merchant Services.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 SECTION 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 609a ( 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.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. 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.

15 U.S.C. 1681b ( a ) ( 3 ) ( A ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Consumer complaint received 2024-04-02
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 have repeatedly disputed three transactions which remain on my report. I have provided the creditor and credit bureaus proof that I am a victim of identity theft and they refuse to update my report. I have provided the police report which included the accounts, along with the report number, and name of the suspect. These companies are violating my rights and federal laws under FCRA Section 623 ( a ) ( 6 ). My report is inaccurate and it is not only affecting myself but my family. The credit bureau and creditor has failed to abide by federal laws which is effecting my livelihood. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all creditors that Ive never done business with, and have not provided sufficient documentation to determine how account ownership was determined.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I kindly request that you undertake a comprehensive review aimed at removing any instances of disseminating inaccurate information. Furthermore, I urge you to meticulously conduct a validation process encompassing all relevant data to ensure the integrity and accuracy of the information being disseminated.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (VA)

Goldman Sachs Apple Card people are accepting charges from a cancelled and replaced card number. 

I was led to believe my new digital credit card number would replace the cancelled one. Instead, Goldman Sachs lied about replacing it and kept it open, costing me unauthorized charges. 

When I called to complain, Goldman Sachs Apple reps were offensive, obnoxiously argumentative and obscene, saying things like " I need to educate you. '' Regardless, my credit card should have one and only one electronic account number for consumer use ( my use ), like all other normal cards. NO CANCELLED CREDIT CARD NUMBER SHOULD EVER REMAIN ACTIVE.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

My Synchrony Bank/Walmart credit card account : XXXX is lost/stolen and compromised. Someone used my entire credit limit of {$2500.00}. All of the charges are fraudulent, unauthorized and don't belong to me.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   XXXX  and Trans Union ; but they continue to verify a balance owed when there is not one owed.
Consumer complaint received 2017-09-19
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. (FL)

I noticed on my credit report medical bills that were placed on my files with XXXX, Experian, and XXXX that do not belong to me. I informed all XXXX credit bureaus of this mistake and completed XXXX attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all XXXX bureaus on XXXX/XXXX/XXXX. There were more than XXXX medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all XXXX bureaus to have the remaining collections medical bills that do not belong to me removed on XXXX/XXXX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XXXX/XXXX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All XXXX bureaus have not provided me with the proof of validity as requested on all XXXX occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
Consumer complaint received 2023-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

I am writing you to file another complaint against US Bank. I have been trying to get Loss Mitigation assistance since I was layoff back in XX/XX/XXXX. I have faxed, mailed and emailed 7 packages, the only package that had almost successfully made it to underwriting department was the 7th package. However, other the last several weeks I had personally spoken with XXXX XXXX Relationship Manager, XXXX XXXX Supervisor Manager is Loss Mitigation Department, XXXX, XXXX, XXXX and XXXX all in the same department as well. On XX/XX/XXXX I spoke with XXXX, and she confirm that by Loss Mitigation loan file was with XXXX and that something was off with this underwriter because he had a complete package to approved but hasnt review my loan since XX/XX/XXXX which didnt make any sense to either of us. XXXX was unsuccessful in reaching this underwriter or her current manager they were both showing out of the office on Messager. So XXXX, left an email for both underwriter and her manager in Loss Mitigation Department to follow up with her tonight before she left. XXXX confirms that underwriter had all required documents from me ( borrower ) after 2 1/2 hours verifying documentation and with no response from anyone in her Loss Mitigation department, we finish our conversation and hang up. I was to follow up the next day, so I did today XX/XX/XXXX and thats when things went from bad to worst with US Bank all over again. I spoke with XXXX ( hope I am spelling her name correctly ) : ( XXXX was relationship manager per my conversation with her tonight. XXXX gave me the horrible news that my document Homeowner insurance policy was missing so the underwriter closed out my request for assistance, however homeowner insurance policy was received per email confirmation with 3 US Bank employees on XXXX & XXXX of XXXX, and with XXXX on XX/XX/XXXX that afternoon call I mention earlier in my letter above. It seems that US Bank is intentionally deleting documents uploaded from borrowers like me, it can not be coincidence that all my prior loan packages ( 7 packages in total ) so how ended up missing from my loan file, US Bank Loss Mitigation department is obviously deleting loan files from borrowers for assistance. I demand that Federal Office of the comptroller of the Currency review this complaint effectively and take the appropriate action against US Bank for corruption. US Bank provides terrible customer service for their borrowers this includes me. Any help that you can provide for me with regards to my HELOC # XXXX, need loss mitigation options for my HELOC unable to continue making payment, no savings left and need help. I have been layoff and unemployment end this year XXXX. I have no late payments at this time with my US HELOC account. I also, have supporting documentation that provides proof that US Bank is deleting documentation and emails from their customers. 
Sincerely XXXX XXXX
Consumer complaint received 2023-03-28
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Accounts listed below, 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 a account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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. (OH)

I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the XXXX XXXX XXXX and XXXX. I have communicated with the XXXX XXXX XXXX regarding the loans and I have noticed the loans are still on my credit report.The XXXX XXXX XXXX have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (IN)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Pleased remove all fraud alerts and extended fraud alerts XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (TX)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
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: CREDIT ACCEPTANCE CORPORATION (NV)

Greeting, I was illegally swindled into a sub-prime loan situation by a predatorial organization that utilized a used car dealership inorder to drain people bank accounts by raising the rates and percentages on previous signed contracts and agreements without my consent as the buyer and consumer. Once I found out I returned the vehicle to local destination for recovery whom was an affiliate of the seller that processed the illegal repossession for Credit Acceptance Corporation. I drove the vehicle there myself in order to squash this illegal encounter without getting a refund yet the record was supposed to been cleared long ago! 
Please be advised that Credit Acceptance Corporation was a criminal organization that even got caught trying to steal the vehicle after my initial purchase the XXXX as I was making monthly payments on time. 
This atrocious behavior by said companies has caused so much grief in my life over the past 7 years Credit Acceptance Corporation should be paying me for all punitive damages and the illegal loan interest rates plus hidden fees. 
For what I understand today is that the Justice Department is working on bringing that illegal operation and monstrous activities to an abrupt halt. 
After I submit this proof I request that my credit report be cleared as I was told that this issue was removed already long ago. 
Please update my credit report by removing this fictitious accusation against my name at this time. 

Here 's a link where you may do your own homework on Credit Acceptance Corporation daily operations ; https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/ ___________________________________________________________ Thank you in advance for your time and attention in this most important urgent matter. 

Sincerely