davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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)

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

I told the Experian, and XXXX to reinvestigate this account : XXXX XXXX  : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I wants this account deleted ASAP!!!!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2021-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2018-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP (GA)

I have contacted XXXX XXXX and they are unable to locate my file however ; they are reporting to the CRA 's. I believe that this account is the result of identity theft. I also believe that they are trying to request my current identification in order to use my current information to continue to validate their claims. I have filled a dispute 3 times and they are asserting that I need to provide authentication documents however ; they are not able to provide any information related to this debt.
Consumer complaint received 2023-01-05
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 have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-01-10
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WI)

In XX/XX/2022 I got a new credit card offer from my insurance company which was State Farm and the bank to sign up with was US Bank I had to spend XXXX dollars with it in 6 months and I earned a XXXX bonus. I did everything within 6 months and correctly and now they are refusing to honor the offer and pay the bonus. I have the original mailing I was sent, also I complained to State Farm insurance and they had a liason they said talked to them and still US Bank have refused to honor the offer.
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (VA)

XXXX XXXX XXXX is trying to collect a debt for car insurance for a car that I do not own and never have. I own one car and it has been insured with XXXX for years. I have disputed the debt and they are still trying to collect money from me. The VA DMV can prove that I have never own the car that they allege was insured by me.
Consumer complaint received 2021-01-10
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. (FL)

I am writing to request an investigation on the following information that appears on my XXXX, XXXX, and Transunion credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXX.Acc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

Since XXXX I have been trying to submit a request to have our home appraised in order to potentially remove the PMI I've been paying. During the beginning of Covid, I was furloughed from my job. I put my loan in foreberance for a total of 3 weeks, and paid my loan current when I was allowed back to work. We've requested the late payment to be removed, and were assured by multiple people that " a note has been put on the account, '' and to re request a PMI removal. It's been 3 times, and we've been denied due to a " Late payment '' each time. 

I have communicated with the bank if our house does not appraise well, I would be willing to pay the extra principal to get our loan under 80 LTV
Consumer complaint received 2023-03-04
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)

Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 Sincerely, XXXX XXXX
Consumer complaint received 2023-05-26
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. (TX)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (TX)

Approximately 60 days ago I contacted Citibank after I made my payment of {$100.00} and later saw they added a annual fee of {$99.00} which put me over my limit. I asked if they could wave the fee because, due to COVID19 I was having financial difficulties. They told me they couldn't do that but if I called back in 30 days they could work with me and they reversed my payment of {$100.00}. After 30 days I called them again, as they told me to, and was told they couldn't help me until I was 60 days late and to call back then. I did as told and now they are advising me to make a payment I can't make to get in good standing or they will cancel my card. They also reported my account to the credit bureaus. I am beyond upset as I have followed their instructions thinking I would be able to arrange an affordable resolution without ruining my credit. 



I followed their instructions. I believed they would work with me. They lied.
Consumer complaint received 2021-01-09
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. (NJ)

I have been unable to file a dispute with Equifax on their website. I will attach the image showing the error. I am currently on a phone call with Equifax and the representative told me to file the dispute online. I explained to him that I was unable to but he just kept repeating himself over and over and I asked to speak to a supervisor and he just put me on hold for 15 minutes and the line ended the call. ( XXXX XX/XX/21 14 minutes total call ) Phone call 2 - Asked first rep to transfer me to a supervisor right at the start. 6 minutes after 2nd phone call transferred to another rep and asked to speak to a supervisor again. I asked the representative for his name and he said he's not allowed to. The supervisor I'm speaking XXXX XXXX informed me they are required to provide a name and reference number. So employees working for Equifax are clearly not following the rules and I do not feel safe with my personal information. I continued the dispute with the supervisor XXXX is the dispute reference number.
Consumer complaint received 2021-01-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer credit report and XXXX is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. XXXX actually gave me money back upon closing the account out. Without my knowledge or consent XXXX reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After XXXX refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an XXXX branch on XXXX XXXX in XXXX, FL and paid the amount that XXXX stated I owed although XXXX credit the negative balance. XXXX refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted XXXX by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (TX)

I have made over 20 attempts to resolve this with XXXX XXXX, the CEO of United Funding Logistics, which is a credit repair company. This is the biggest scam of a company there is, there are numerous negative remarks already posted about this company that I did not see, they never return phone calls. They take your money and then you do not hear from them again, they do not follow through with any thing they say they are going to do. He kept claiming he was going to refund the money but never did.
Consumer complaint received 2024-03-22
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

I asked chase for a {$75.00} chargeback for items not received. I payed someone {$75.00} as a deposit for a gaming system. The person never responded afterwards and never responded to my refund requests. Chases website says they protect against items not received. This is exactly what happened.
Consumer complaint received 2021-01-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MID-ISLAND MORTGAGE CORP. (NY)

I refinanced my mortgage with another company on XX/XX/XXXX. Mid Island Mortgage Corp my previous mortgage company was sent the payoff for my mortgage and cashed the check on XX/XX/XXXX. On XX/XX/XXXX they took the automatic payment from my checking account of {$2500.00}. I called on XX/XX/XXXX and spoke with XXXX at extension XXXX she said she would stop and flag the payment and the money would be returned in three days. I called on XX/XX/XXXX and spoke to XXXX she said that the request to refund the money was refused by the manager and the payment was being added to my Escrow account and would be returned with that check usually in twenty days. I called three more times in the next 48 hours begging to give back my holiday money and was told it was my fault for not cancelling my auto pay. On XX/XX/XXXX I started calling again because I had not received my Escrow balance or my mortgage payment back yet. On their web site it showed the funds of {$9300.00} were released on XX/XX/XXXX. I called and messaged through their website for the past ten days every time being told to be patient and the check is in the mail. Today is XX/XX/XXXX I have not received the check and no-one from Mid Island has attempted to correct the situation. Every auto reply I get from my messages are the same " We automatically release funds in an escrow account sixteen ( 16 ) business days after the payoff. Generally, a check is issued and mailed within four ( 4 ) business days. '' Even with holidays figured in we are way past this time frame. My understanding of regulation XXXX says 30 calendar days not business days.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX cox XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX