davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (OH)

I'm not liable for the debt with states recovery systems I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, XXXX XXXX XXXX XXXX XXXX also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (NJ)

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

XXXX XXXX, XXXX XXXX, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I received a notice from Mr. Cooper stating that they would buy insurance on my behalf. 

I asked my insurance company to send proof of insurance, see below APPENDIX 1.

Mr. Cooper received, the email with attached dec page, but refuses to acknowledge the
insurance, see below APPENDIX 2. 

APPENDIX 1 Hello " Mr. Cooper '' ATTN : Loan XXXX, Please see the attached Declaration Page for XXXX XXXX 's currently inforce policy. In addition, we have attached the payment received on this policy to confirm that it is currently paid in full for the term of XX/XX/XXXX to XX/XX/XXXX. 

As XXXX XXXX states below, and we confirm he is correct, because payment was made during the grace period the coverage never lapsed. 

If you have further questions or additional information requests, please let us know by contacting us via : Phone : XXXX Fax : XXXX Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Fax : XXXX APPENDIX XXXX From : XXXX To : " XXXX '' Sent XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX  XXXX Subject : XXXX XXXX Has Not Been Processed Thank you. This email is to inform you that we have reviewed the recently submitted document ( s ) and are unable to proceed with updating the policy information. 

Mr Cooper bought my mortgage from XXXX XXXX. I have had numerous issues with servicing. It took multiple attempts to set up direct pay through checking. I applied for bimonthly pay four times and made double payments to get ahead as instructed and they found spurious reasons to reject the application each time. I have threatened to complain and they don't care. This latest egregious example is an attempt to purchase insurance on my behalf for exhorbitant prices, even though as documented and submitted to them, my policy never lapsed. This company is egregious in its lack of service and attempts to use any means necessary to gouge their clients, who, I assume, did not want to be their clients in the first place.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, 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. (AL)

On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries immediately.
Consumer complaint received 2023-03-08
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. (TN)

I contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found XXXXseveral* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I have contacted XXXX  XXXX on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? 
To add -- I've never even considered using XXXX XXXX. I've never received a single piece of mail to my home from XXXX XXXX. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (FL)

Upon the end of my apartment lease on the agreed upon date I turned in my keys to leasing front office. Months after I received a letter that I owed a debt for the apartment carpet. I tried contacting the office manageXXXX XXXX and asked her about the charge. XXXX mentioned they changed the carpet out due to excessive pet hair. My dog has very short hair and barely ever sheds. I also vaccumed the carpet before I left and it had no pet hair, rips, or stains. I explained to XXXX that pet hair is part of normal wear and tear and I should not be charged with a whole new carpet. I also asked for proof of how much money the supposedly replaced carpet was and no one replied to me. I also asked to see the old carpet since they charged me for a new one I Wanted to see the damage the old one had. I also got no proof of that. It is very unfair and ILLEGAL to just randomly charge a tenant a whole new carpet when the tenant did not damage it. Please see proof attached of email as well as picture of carpet proof. Attached is also a video of a maintenance man coming in my home and you can see the carpet is fine. This man also took off his shirt and left it in my dirty Laundry! Also they claimed in email I did not pay pet deposit. I did not need to pay pet deposit because my dog is a service dog and they knew this. In the video, you can clearly see how the carpet was in great impeccable state. I had a XXXX  XXXX  XXXX  and a XXXX XXXX XXXX at the time so that carpet had to be squeaky clean at all times. I cant believe this company gets away with this. Is insane!
Consumer complaint received 2023-03-08
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my 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 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 2023-03-08
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. (SC)

I just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 16, 17, 18, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

XX/XX/2024 I had {$1000.00} stolen out my account which was my XXXX money. On XX/XX/XXXX I had {$4600.00} stolen out my account. This unfortunately happened through unauthorized transactions. I received XXXX credit to my account but that was for my XXXX that was stolen XX/XX/XXXX. The Chime dispute team incorrectly filed my dispute and it's all on the same ticket after I was told I could not file a dispute for the charges on XX/XX/XXXX until they stopped pending. When I called back on XX/XX/XXXX they said a dispute they said a it was XXXX open on the ticket for {$2800.00}. The keep denying the XXXX even though its a total of XXXX stolen and the XXXX is completely separate because that was my XXXX the day before. chime is not a real bank, chime should not beable to receive large deposits. I am still fighting for a fair investigation and my Financial Aid back. This has caused serious hardship and mt daughter  birthday is Tuesday XX/XX/XXXX. I have no money and XXXX stolen from me and no help from the bank. to get it back which is so sad. Please close them down
Consumer complaint received 2023-07-31
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX Account 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
Consumer complaint received 2024-04-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (IL)

Sofi advertises a {$300.00} sign in bonus for opening a new account with direct deposit. I opened the account, signed up for direct deposit with my employer and waited the 32 days described in the offer to receive the bonus. I did not receive it and contact Sofi on XX/XX/XXXX. I was told there was a " coding error '' that had to be fixed on my account and this would take 3-5 weeks. After the 5th week elapsed I still did not receive this bonus. I contacted SoFi again and was told the coding error had not been resolved and no other explanation was provided.
Consumer complaint received 2023-07-31
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received an alert by my credit monitoring service that someone opened a Capital One credit card in my name. I immediately froze my credit reports from all XXXX  credit reporting agencies. I contacted Capital One directly and they stated that they will close the account and investigate.
Consumer complaint received 2023-07-31
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)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In the progress of closing on a mortgage with JPMorgan Chase ( the lender ), originally scheduled to close by XX/XX/2023 ( 30 days after acceptance ). Throughout the process, we ( myself and my agent ) have expressed that we, and the seller are under strict timelines due to the sellers performing a 1031 exchange. 

The week before closing, the lender reached out via a call stating that the mortgage was " approved '' but that they would call me back after checking some details. The following day, they called me back, and stated that I was short on reserves ( due to previously undisclosed reserve requirements involving current rent etc. ), once those details were sorted out, they further changed the guidance, and stated that they would not accept one of my gifts ( accounting for <10 % of the cash to close + reserves ). After providing additional documentation for that gift, they still refused to accept any funds from that person ( under advice from the loan officer to change the relationship from friend to family for my significant other ). 

At this point it was less then a week to close, and they still refused to provide any status updates to my agent, or the escrow ( who have both been emailing them asking for updates ). Then on the day of closing, they said they would not be able to close on time. 

The following week, they proposed switching the product ( to a different one with obviously worse rates ) in what appears to be an attempt to coerce the buyer ( myself ) into a worse position by preying on the time sensitivity.
Consumer complaint received 2024-04-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

Hello To Whom It May Concern, Thank you for reading my case. So more than a year ago ( XX/XX/2023 ), I made a purchase at my Ashley Furniture Store over at XXXX, CA. I decided to get the purchase financed as it was over {$3000.00}. I financed the purchase through Synchrony bank and was making monthly payments. I was told that the monthly payments would be amortized over the course of a year at 0 % and would be paid in full if I made the minimum payment. Little did I know that the payments wasn't enough to to pay it down completely after a year since they now have tacked on an astronomical amount of interest where the balance has exceeded the initial balance when I first financed it. Additionally, my statements all include the full amount with no breakout of the principal and interest charges, which is very deceptive. So, I just want to make sure that I'm not being duped into paying excessively more for something. I have made numerous calls to Synchrony bank to have this resolved however their lines are always busy and they have me on hold for as long as an hour, so I gave up on trying to contact them. I was wondering if you could please help look into this and have Synchrony bank be more transparent with what I'm paying. Thank you very much for your help. 

Kind Regards, XXXX
Consumer complaint received 2024-03-03
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit Systems repeatedly called me and used abusive language stating I owed a debt to them. I requested formal email communication regarding the debt and evidence that I owed the debt. They did not send me any communication related to the request and then sold the debt to XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX for this same thing ( CFPB complaint No. : XXXX ). Please see the print screens attached herein.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019, I had called TransUnion, XXXX, and XXXX  to remove all inquiries except for one that I recognized. All other inquiries were done without my consent and without the WET INK signature required by Law pursuant to the Fair Debt Credit Reporting Act. So I simply told them to removed it for me because its been fraudulently obtained and they denied.