davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. Please remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you in order to solidify my complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2021-08-15
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. (TX)

XXXX XXXX has assumed my identity as the " original creditor '' and has a charge off credit card account on my consumer report. I, XXXX XXXX XXXX, am that I am, the CONSUMER in fact, natural person, original creditor, lender, executor, administrator, pursuant to 15USC1602i. I have an open ended consumer credit plan pursuant to 15USC1602j, am the creditor pursuant to 15USC1602g, Being that i have ope ended credit i should have never been charged for the referenced account. As original creditor in a consumer credit transaction I have the right to cancel the alleged debt but XXXXXXXX XXXX  will not comply with the federal law and should be held civilly and criminally liable pursuant to 15USC1640 and 15USC1611. XXXX XXXX has failed to provide the original documentary evidence pursuant to " Rule 1002 '' and nothing can be reported on my consumer report without written consent from the consumer pursuant to 15USC1681b. Please investigate and have tradeline remove.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on THE SECOND COLLECTION ACCOUNT OPENED FRAUDULENTLY WITH XXXX XXXX XXXX FOR THE SECOND TIME. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX with a balance of ANOTHER {$1400.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC (TX)

Asked customer service about log in portal to pay off loan and they claim they dont have a login or member log in to tell me how much I owe on {$600.00} loan also they are taking {$170.00} out of my count every paycheck until 2022. Company cant and wont provide details regarding my person information.
Consumer complaint received 2021-01-22
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. (GA)

I have sent Equifax numerous letters disputing an alleged bankruptcy that this company continues to erroneously report on my Equifax consumer report. I have given them ample time to rectify this issue but they continue to report this information as verified. I have sent them multiple requests to delete the information because of inaccurate information. They continue to report the information as verified and correct. I have submitted supporting documentation to prove that the information they are reporting is inaccurate, still, they refuse to delete the inaccurate information and continue to report it on my consumer credit report. After viewing my Equifax consumer credit report, I noticed that they claim to have gotten the alleged bankruptcy information from a third party collection agency named XXXX XXXX. I have reached out to XXXX XXXX to get a copy of my XXXX XXXX Consumer Report. Under Section 9 which is the public record section, there is no bankruptcy listed on my XXXX XXXX consumer report. I pull the XXXX XXXX report on XXXX-2020. However, in XX/XX/2021, they are still replying to my dispute as accurate and verified. I have sent Equifax the supporting documents as proof of no Bankruptcy listed on my XXXX XXXX consumer report and they still continue to report the item as accurate and verified.
Consumer complaint received 2023-03-14
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Sat XX/XX/XXXX I attempted to purchase a product for marketing my business. The product was a XXXX motorcycle that I figured would be a great Sales incentive for my company. At the dealership I called Suntrust to approve the transaction as I knew it would surpass my daily limit, they ( employee named XXXX ) said no, I asked for supervisor ( XXXX ) which also said no. I told them ( XXXX and XXXX ), that this was an indication that I would not be able to do business with suntrust if thats their attitude, I apologize to the vendor and paid XXXX $ to hold the bike until I could walk in to get a cashiers check. Upon leaving I try to use my card again and I get denied. After multiple attempts to use my card I got error messages denying me from my checking the account. I also was told I could not speak to any additional supervisors and I had been now placed on no debit, by an employee named XXXX, this was a third call. I told XXXX that I needed a supervisor because this was unacceptable, I called to get approval and Im then resulting blocked from debits? Thats strange I thought, but XXXX said all supervisors where busy I asked her to have one call me. They didnt, 1 hour later I call back and find out from an employee named XXXX that it has been frozen due to suspected fraud. Not only is that insulting but its almost robbery. I asked to have a purchase cleared, pre purchase in respect to their rules and I end up with a frozen account and a fraud accusation. Can you help
Consumer complaint received 2023-06-07
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Ive tried contiously over and over again but the credit bureaus have yet to respond to my investigation. THIS NEEDS TO BE HANDLED IMMEDIATLEY! I need these accounts that arent mine to be removed from my credit report NOW! It has been over 30 days and they still havent been removed. So, I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The item I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Home Lending offered me a mortgage rate reduction without refinance closing costs. 
They initially denied the loan based on a reported child support payment delinquency. I provided them with official documentation from the child support agency that I have a perfect pay history. 

Next, underwriting denied the loan based on disputes appearing on my credit report. The disputes ( resolved in my favor ) pre-date my current loan with Chase. At this point it became obvious that Chase did not want to do the offered rate reduction but rather sell me a full cost refinance. 

Because Chase led me to believe they would lower my mortgage rate, I passed on much more favorable refinance terms available from competitor lenders while this was in process. These terms are no longer available and Chase is advising me to apply for a full cost refinance transaction now. This after they advised me I was getting a rate reduction. 

This business practice has materially harmed my financial situation, ultimately costing me thousands in lost opportunity to refinance with a competitor lender. Please have someone look into this practice and advise. 

Thank you,
Consumer complaint received 2021-08-14
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. (VA)

I already reached out to Experian for the following unauthorized Addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Address : XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-02-06
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. (TX)

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 Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$8100.00} ATTYGENERL XXXX Balance Owed : {$3800.00}
Consumer complaint received 2021-08-14
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. (VA)

On XX/XX/2021, I pulled my Consumer credit file from Transunion, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave Transunion, permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including XXXX, XXXX, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life and I'm invoking my rights as a consumer.
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (PA)

I lost my job on XX/XX/XXXX I took out the protection in the event that I would not be able to make payments. I contacted the office and told them this I was told to call back in 30 days I did they told me that I have to be collecting unemployment for it to work. I did file for unemployment it got denied I am in the process of an appeal I have over XXXX applications in. They have been calling me over and over it was to the point that I had to block them. I received a phone call this morning at XXXX it seems like a personal phone number. I have called in the office several times to let them know that I dont have an income and I havent found a job. XXXX told me that they can call up to 5 times a day. I called them on XX/XX/XXXX they called me two times on XX/XX/XXXX again on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 times on XX/XX/XXXX XX/XX/XXXX I spoke to them called back on XX/XX/XXXX twice spoke to them called 3 times on XXXX thats when I blocked the number XXXXm not happy about not able to make my payments and being with our a job I am behind on everything this is the first time that I have been without a job in over XXXX years
Consumer complaint received 2021-08-16
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: I.C. System, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX and I C SYSTEM are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I Did NOT give my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : Account name : XXXX XXXX XXXX Account number : XXXX These are the accounts that need to be removed : Account name : I C SYSTEM Account number : XXXX
Consumer complaint received 2024-02-06
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have a mortgage account with Wells Fargo Home Mortgage. Since I have paid the property tax, flood insurance and homeowners insurance by myself, I have never set up an escrow account. During this summer, I noticed an escrow account with my mortgage. I called the customer service and sent the copy of my insurance policies. They acknowledged that they had received my insurance policies. Still they refuse to credit me the escrow they charged on me. Right now I am paying double for the insurance. Is it legal for a financial company to charge an escrow even on the account with paid insurance and paid tax? I am the one who paid the insurance premium and Well Fargo is trying to scam me by taking money from me.
Consumer complaint received 2021-08-14
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (TX)

On XX/XX/2021 I was offered a position at XXXX. I accepted and continued on to complete the documents needed to pursue the hiring process. I then was sent a email to submit a background check, I complied and completed it. I received the background check report back the same day and I noticed an extra charge on my record that I have no recognition of. It also couldve been my mistake while entering the information due to the glitching of my screen but Im 100 percent sure the extra charge is inaccurate.