davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (SC)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX has been removed from my credit report with equifax and XXXX but equifax has not deleted this file I will now have to file legal action as this is a violation of my rights and this is holding my credit back. I stated that this account was not mines and the refused to remove it even when i provided ftc and police reports they didnt move it. So now i will file legal action
Consumer complaint received 2023-06-06
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

What a nightmare to get someone who I can hear. It has only gotten worst instead of better.  Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives.     The voice system is not clear either.  Overseas  is a nightmare too.     I was told my annual fee would be waived or a promotion.
Consumer complaint received 2023-01-10
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. (PA)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-06-21
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This collection agency is trying to collect on a debt that is not mine. I've asked for documents verifying that in fact this is mine and they have not given me the documents I asked for. I have disputed this with the credit bureaus multiple times but the account still remains on my credit reports.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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. (CT)

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 : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2023-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IA)

I need assistance to resolve my request regarding excess escrow funds for a paid mortgage. 

I have requested PNC to reissue a check in the amount of {$960.00} payable to XXXX XXXX replacing the original check issue/payable to XXXX XXXX XXXX borrower who is now deceased ) I have had multiple interactions with customer facing customer service staff and have ultimately been unsuccessful in escalating the matter to a manager/officer to review my request and resolve the issue. Of note, I did have one exchange on XXXX with a customer service XXXX who identified herself as XXXX ( sic? ) who reviewed the matter with another XXXX and told me PNC would override their system and a check payable to me would be issued. When I followed up on the status of the check on XX/XX/XXXX I was told by Customer Service and Escalation reps that I first needed to complete the Successor in Interest requirements before they could assist me with any confirmation/information. 

I am trapped in PNC 's process/procedure to establish me as a XXXX in XXXX before reviewing my request. According to multiple form letters, PNC states : " A successor in interest is an individual who receives an ownership interest in a property securing a PNC mortgage ... '' PNC no longer has any interest in this property. The mortgage is PAID IN FULL. 

I have submitted multiple documents establishing the death of my mother ( the borrower ), my joint ownership of the property since its purchase, my role as her son and joint owner of all her assets ( property, bank accounts ), and transactional documents supporting payoff of the loan. 

My request has not been resolved and PNC has closed the ( wrong ) request as of XX/XX/XXXX due to incomplete information to determine my " Successor in Interest Request ''. 

The particulars of this matter and all documentation and email communications provided by me are with PNC : Mortgage loan number XXXX PNC customer service case number : XXXX I appreciate a review by PNC and resolution I this matter.
Consumer complaint received 2023-06-06
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Chime bank has {$400.00} of my money on deposit with them that they acknowledge. I have tried every which way to have it transferred to my bank account. Their stupid app says that everything is hunky-dory, but then they say it isnt. They are a total rip off!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (VA)

Hello, I'm submitting this complaint because Wells Fargo failed to properly resolve my dispute of a XX/XX/2022 charge. I have spoken to Wells Fargo employees more than a dozen times and sent follow-up letters providing information they indicated would be useful. The matter remains improperly unresolved, with Wells Fargo providing vague and inconsistent information about the decision and process -- when it provides any at all.. 

Wells Fargo has provided frustratingly little information about its decision. Its written communications : 1 ) merely assert that the charge was valid ; and 2 ) attach a copy of the merchant 's terms that is different than the terms that were not in effect when I made my purchase ( which I can prove with screenshots ). 

Consequently, my primary source of information about the decision has been calls with Wells Fargo 's dispute department. During these, supervisors repeatedly asserted that it does not matter that the merchant 's service was not " as described. '' Rather, they have stressed that the only thing that matters is that the merchant provided a service and I used it. I don't believe that this is the right standard. 

In addition, procedural irregularities have characterized Wells Fargo 's treatment of this matter. For example, the case manager refused to talk to me, his memo made little sense when someone else read me its reasoning, and no one allowed me to respond to the merchants reply before dismissing my case ( despite multiple promises that Id be allowed such an opportunity ). Similarly, Wells Fargo provided told me that I could request to open the claim, and then told me I couldn't, and then said I could, and then ultimately refused to allow this -- all while promising to explain its position in writing and failing to do so.
Consumer complaint received 2023-08-18
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: World Acceptance Corporation (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX  In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-06-21
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ONEMAIN FINANCE CORPORATION (NY)

Today, XX/XX/XXXX I called in to speak to my "Assigned Rep" for a personal loan I applied for online first with this company. In speaking to the rep named, XXXX XXXX, she denied me the opportunity to submit my application to underwriting where they can review my credit and income documents. She said "you are denied and you are wasting your time" and kept insisting I use a vehicle or some other sort of collateral instead. I again mentioned that I would like to proceed with my application for the personal loan since you pulled a hard inquiry on my credit and she did not allow me any opportunity to move forward on my application and denied me the opportunity to review any of my income documents or anything else. I feel like I did not have an equal credit opportunity and was discriminated against by the rep specifically.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX, XXXX, XXXX ; XXXX 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 : {$18000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX GRANDOASIS GA ) XXXX Balance : {$11000.00}.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Tonight on XX/XX/year> approximately at XXXXXXXX XXXX I deposited {$1000.00} into the Chase bank atm machine located at XXXX XXXX XXXX XXXX ca. XXXX and then the screen read a number to call to make sure my deposit went through. I need this to be showing in my checking account, in which its not. Please help me as soon as possible. I have to pay my rent on the first of the month.
Consumer complaint received 2023-06-21
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-06-06
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
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)

I sent a letter to XXXX, XXXX XXXX Equifax on XX/XX/2022, I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for original contract from creditors I got no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. 

Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

Certified
Consumer complaint received 2023-01-10
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. (AZ)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 120 days late payments on my credit report. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payments from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$17000.00}