davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc (IL)

On XX/XX/XXXX I took out a loan via Affirm with XXXX XXXX Bank in XXXX, NJ, to pay for test preparation materials from XXXX. 

The loan amount financed was {$1500.00}, for a term of XXXX months with a monthly payment of {$140.00}. 
My interest rate was 29.99 % APR. 

My first payment was due XX/XX/XXXX. I paid in a timely fashion and paid the loan off early XX/XX/XXXX. 

I have called XXXX XXXX Bank in XXXX, NJ, to request they report the payments to my credit report. However, the two representatives I spoke with said that they did not know anything about this and could not help me at all. They suggested I call Affirm. I have been unable to reach any representative at Affirm regarding this matter. 

I would appreciate a resolution to this matter and for all my timely payments to be reported to my credit report.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (OR)

I signed up for and qualified for a checking account, called prime checking Several years ago, one of the features of this account was reimbursement of non-Wells Fargo, ATM fees. I found out today that the prime account. they set me up in was for a checking account. I never use whether this was purposeful or a mistake on their part Im being charged ATM fees Going back several years. I have six accounts with this bank two of which are checking accounts one of which I dont use it has a small balance I dont even have a debit card for this account and thats the one they have signed the prime account to not the checking account that has a large balance, and I use every day including direct deposit of payroll so what Wells Fargo did was use the prime account on a checking account I dont use so wouldnt take advantage of all the waving of charges and kept the account I do use with the plan that charges all the fees I cant help but think this was purposeful, a way of tricking me into thinking I have all the services that are free, but in reality, theyve been charging me for years
Consumer complaint received 2020-04-06
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. (MD)

XXXX XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2022-06-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We refinanced our mortgage with Rushmore Home Lending earlier this year after they were unable to match a competing offer. We closed with the other company at the end of XXXX and were told that our escrow check from Rushmore would be mailed to us and take 7-10 business days to reach us. We have followed up no less than 4 times from XXXX to XXXX with Rushmore to know the status of our check before we were told that the check had been fraudulently cashed in XXXX only after I asked to speak with a manager. Since the first call in XXXX, I have been lied to, told incorrect information and have been met with willful incompetence by every single employee that Ive talk to since then. I have been told so many different things and now they are basically refusing to give me any information to when a new check would be issued after someone told me that I would be issued a check last week and it would be sent via XXXX. I record of who I have spoken to as well as the Managee at XXXX XXXX who has been trying to help us figure this issue out.
Consumer complaint received 2020-04-06
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. (AR)

My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT EDXXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Consumer complaint received 2022-12-29
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. (TX)

in accordance with the Fair Credit Reporting see below has violated my rights. 
Acct 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 XXXXXXXX has violated my 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
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (CA)

My identity was stolen when my car was broken into and this account is a result of identity theft. An auto loan was opened with XXXX XXXX XXXX in XX/XX/2015, The account now shows as a charge off of {$11000.00}. The company informed me they completed their investigation and the results remain the same. I have tried several times to resolve this with the company.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

LexisNexis is reporting inaccurate public record information to my consumer report. There is a bankruptcy located on the report for which is inaccurate. In addition, my given social security number is being used by this company without my authorization and/or signature.
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On Thursday, XX/XX/XXXX, we contacted TD BANK to seek resolution to an online banking issue with our account. The issue is and continues to be that TD BANK will not allow our online banking function to deposit checks more than 5,000.00 per day or 10,000.00 per month, total. Recently, TD BANK on XXXX XXXX changed their policy to increase the online deposit limited to 50,000.00 per deposit or 100,000.00 per month. My app is limiting the deposit ability to 5,000.00 per day, preventing me from posting deposits for my business. This has an impact on my operating ability to pay bills and employees. 

When contacting the bank, have been told by TD BANK that this issue was resolved. When logging back in, this was indeed not resolved. After contacting the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, we were told this can only be resolved by visiting a branch. All branches in the area are CLOSED due to COVID19. When asked for an alternate resolution, they noted we can go to a drive thru, however an in-person appointment is needed. Again, the drive thrus are closed and both I and my employees will NOT TRAVEL OUT OF THE HOME. Then, we were told again from Small business support to contact the branch. For multiple days ( again XX/XX/XXXX, XXXX, XXXX ), no one at any branch will answer the phone, as they are CLOSED. 

The alternate is to go to an ATM. First, we are not allowed to leave our homes. Second, a business account does not have an ATM card to make transactions. The bank verified our account does not have an ATM. When asked if we could have one sent to me, they noted this can only be done in a branch ; again, which are all closed in the NJ area. They then said they could do nothing for our business and we should continue to try and call a " closed '' branch to see if someone would pickup. Also, we were told that there were no escalation points available to speak with. Further, we were also told that their back office was unable to setup a new account online to perform deposits through the mobile app, as this must be done through a branch. 

TD BANK would provide no case number for our inquiries when requested. 

Help is greatly appreciated and fast - we have employees to pay salaries to.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2 out of 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-29
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. (AR)

I am submitting this CFPB Complaint to request of you to correct my XXXX XXXX from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under XXXX XXXX XXXX ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX XXXX : {$15000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2020-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MS)

There was a letter sent to myself and my husband from the mortgage company explaining to us that there was a note to be paid to them on the first of XX/XX/2020 in the amount of XXXX. We attempted to make this payment over the phone to the mortgage company and we were told by representative that we could not make the payment because the account needed to be reinstated. When we acquired what was meant by reinstatement, the representative could not and did not explain that process to us. So, the payment for the first of XXXX, 2020 was not processed or paid. The representative told my husband that the payment would be sent back to us if we sent to them in an effort to make a payment. So, we are at a stalemate with this and do not know what else we can do to rectify this payment option that we received from the mortgage company. They would not allow us to cooperate with them.
Consumer complaint received 2022-12-29
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. (GA)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2022-12-29
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)

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
: XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$190.00} ; XXXX XXXXT XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-04-06
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$5100.00} XXXX XXXX {$2300.00} XXXX XXXX {$320.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX {$0.00}
Consumer complaint received 2022-06-03
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)

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-04-18
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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Against Credit Acceptance Corporation -Account been in dispute since XX/XX/XXXX - When Purchase was made no choice on lending institution- i believe preditaory -Sold a faulty product - Surrendered the vehicle purchase as it had a motor issue I could not afford. No resolve - Car dealership out of business. Sold a product i believe with known issues. Taken advantage of - Credit report states repossession and not surrender - Account settled and paid in full XX/XX/XXXX XXXX Creditor continues to report- Non payment for repossession - and a balance due- this account is paid in full see attached - numerous phone calls to creditor and disputes. They have refused/declined to correct credit report.or promised it will be corrected and have not - creditor pulled my credit without permission XX/XX/XXXX - I made written request of mandatory arbitration per the terms of my contract. With no response. I have been disconnected on phone calls many times regarding this ( all documentation attached ). 
- I am requesting my credit report be updated at the least to reflect payment on my settlement offer= paid in full in XXXX, ( all documentation attached ) - I would like my credit report to reflect surrender and not repossession. all documentation attached - I would also like consideration in deleting this complete file considering the circumstances ( all documentation attached ) -
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03
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. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within XXXX days.