davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 items 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 items and correct 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-30
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX account number XXXX, and Department of EducationXXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account 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. 

XXXX XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been violated by XXXX XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Transunion is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Consumer complaint received 2019-06-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

My situation pertains to multiple collections being placed into my Consumer Credit Files by Phoenix Financial Services Collections, without verification/validation or requested documentation or investigation as requested. 

In some case items are removed due to failure to provide such documentation and are then reinserted in duplicate, again with no notification as required under law. In this manner Phoenix Financial has glutted my credit files, duplicated entries and driven me to desperation. They have yet to comply with any request at validation under FDCPA or even FCRA guidelines. They ignore my requests and provide invoices ( their bills ),  but no tangible proof that the debts are accurate at all. I challenged the veracity of their claims, and to date no such proof has been forthcoming. It is my belief that they do not hold such data, and are cramming and trying to bully me into paying something which as I have stated multiple times, is not mine.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX. I am sending this information to get the following accounts removed from my credit report. I am a victim of identity theft. I did not make these charges on these accounts. They are being reported inaccurately on my credit reports. It is stopping me from buying a home for my family. Please help me to remove these account immediately, I do not know what else to do. I have asked the credit Bureaus to remove the accounts and they have not helped.
Consumer complaint received 2022-05-30
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. (MS)

In accordance with the Fair Credit Reporting Act XXXX  accounts XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX account number XXXX, and Department of EducationXXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc (CO)

I tried to mobile check deposit with chime. I signed my name in the back of the check and took a picture to do mobile deposit. Chime sent an email telling me to endorse the check saying " for deposit for chime only ''. I did that and sent a picture again. They sent an email saying they will not accept the check. I called customer service and they said, " the system rejected it ''. But they could provide me with no other reason. They dont even have a department that can override or do anything about it. XXXX sure many people have experienced this problem.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-30
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. (AL)

Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX  closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: COMMERCE BANK (OH)

I had applied for a Commerce Bank MasterCard ( XXXX XXXX MasterCard ) and my XXXX credit was pulled and I was instantly approved for {$4000.00}. I was sent 2 emails advising I was approved and my account card is on the way. On XX/XX/23 I recieved the card in the mail. I tried to set up online banking as was not able. I called customer service and was told my card was closed on XX/XX/23 without any explanation. I AM DEMANDING THAT THIS ACCOUNT DO NOT APPEAR ON MY CREDIT REPORT, I DEMAND THAT THIS INQUIRY IS REMOVED FROM MY CREDIT REPORT. HOW CAN YOU APPROVE MY ACCOUNT, OPEN IT, THEN CLOSE IT WHILE THE CARD IS IN TRANSIT. I WILL FILE A LAWSUIT IF DEMANDS ARE NOT MET.
Consumer complaint received 2022-05-30
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-05-30
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. (AL)

Exercising in good faith a right under the Consumer Credit Protection Act, I called XXXX XXXX on XX/XX/21 to get clarity as to why my account was closed, and the dispute team, fraud department, and management could not give me a direct answer but only what may have been the reason. XXXX XXXX 's reasoning was that payments were coming back or that I was having trouble with them or I might be having some trouble with another financial institution as to why the account was permanently closed which is incorrect. Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) You shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights, and this is exactly what XXXX XXXX did. I was simply exercising my right as a consumer/natural person concerning an alleged debt. I realized this was a consumer credit transaction pursuant to federal law 15 USC 1602, and I was only extending my credit to XXXX  XXXX. I should not have to pay on credit I extended as a natural person. 
Because of this XXXX XXXX closed out my account without any proof as to why. My score has dropped dramatically and I'm being denied the opportunity to buy a home because of it. My character, reputation, creditworthiness, and credit capacity is being tarnished.
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

On XX/XX/XXXX, the respondent sent me a letter inviting me to apply for loan modification. Unknowing to me at the time of the invitation, they had done an appraisal on my house it has appraised at close to XXXX XXXX of the balance of my loan. The house appraised for only {$450000.00} whereas the balance of my loan was {$860000.00}. The respondent knowing fully that XX/XX/XXXX was the last year for the XXXX program that allows homeowners whose properties are underwater to refinance and their new principal would be based on the appraised value of the property. The respondent advised me while they were walking me through online application that there is a note on my file that I should be approved for XXXX program. However, after submitting my application and prior to the deadline they gave me to submit the documents they requested they sent me a letter of approval and gave me a deadline to make my first payment. Their approval letter never indicated the terms of the loan modification. No interest rate or principal was disclosed. It was after they had received my first payment that they now disclosed to me the appraisal they had done on XX/XX/XXXX. Also it was then that they disclosed to me that my loan modification is not XXXX but a trial modification. They had baited me with an XXXX  program and switched to a trial loan modification in order to locked me into the higher principal balance and prevent me from going to another lender and refinance or do a loan modification under XXXX that would considerable lower my principal balance and my interest rate and consequently lower my monthly payment. This would be the second time that Select Portfolio Servicing, Inc would deliberately prevented me from participating in a federal program that would have allowed me to lower my principal balance to conform with the appraised value of my property as mandated by the government. In XX/XX/XXXX after XXXX had informed me that they had approved me for the HARP program, they colluded with XXXX and the investor for my loan to acquire the servicing of my loan. Again in XXXX of XXXX after realizing that the value of my property has depreciated further and knowing fully that the HAFA program that would allow the principal balance on my loan to be adjusted to the market value would be ending, they baited me with a promise of an HAFA program and switched it to trial loan modification after the program has ended. Thereby denying me the opportunity to participate in a federal relief program that I was eligible to participate.
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX/XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-05-30
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)

THESE INQUIRES ARE NOT MINES, THEY ARE UNAUTHORIZED & SHOULD BE VALIDATED ASAP. I AM ASKING THAT YOU REMOVE FROM MY TRANSUNION REPORT IMMEDATILY THANK YOU
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (PA)

I called Fortiva last week and specifically told the agent, I was calling to make a payment to fix my account because I was behind. I also, asked how can you help me? I was under the impression I was making a payment to get my account in good standing. After, the I asked about my available credit, the agent told me to call back in a week and everything should be okay. Today, a week later Im calling to check on my balance excited I fixed my account, most of all my credit. Suddenly, they tell me my account is closed. I was alarmed knowing I spoke to the agent who misled me, and never told me my account was closed when I was making a payment. Nobody ever mentioned it to me on the call which is recorded. Nevertheless, the mail they said they sent out in XXXX. I have been ill for a few months, mail is pilled up. Even if I never received the notification regarding my account via mail. It should have been communicated to me when I made my payment to get in good standing. The call is recorded, I was lied to,, misled, ripped off, and still without my account. They closed it, had me thinking making the payment, Id be in good standing. You can clearly hear me in the recording asking for help to fix my account. After I told the agent I was go to report this matter. The sent me a message instantly saying I owe them {$99.00}.
Consumer complaint received 2022-05-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

I would like to follow up on the wire transfer which was initiated on XXXX, as of now I have not received the fund. Several email has been sent to follow up but unsuccessful to track the transaction. 

Bank Name : CHASE BANK XXXX : XXXX Transaction ID : XXXX Transaction Date : XXXX Amount : XXXX  XXXX
Consumer complaint received 2022-05-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions
Consumer complaint received 2022-05-30
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. (NJ)

I believe that my identity was stolen. Someone filed an unemployment claim in my name. And despite a fraud alert on all three credit reporting agencies, someone was able to open a credit card in my name with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL
Consumer complaint received 2023-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (ND)

XXXX  out of Florida a loan company had someone mobile deposits checks into my bank account XXXX check on XX/XX/XXXX and XXXX checks on XX/XX/XXXX then i sent back {$920.00} on the XXXX and {$1800.00} on XX/XX/XXXX back to XXXX people using XXXX. then on Wednesday XX/XX/XXXX the bank sent the mobile deposits back to whoever sent them then overdrafted my account {$2700.00}.