davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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. (TX)

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

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (AZ)

TrueAccord keeps harassing me for a debt that I've sent a debt validation demand letter. I asked for several documents proving the debt was mine. I said send me proof or cease and desist. They continually harass call and email. I will not hesitate to file a lawsuit if they do not stop harassing me.
Consumer complaint received 2020-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC. (NJ)

The last complaint we submitted was misunderstood, and misinterpreted by ARVEST. 

In the said complaint we are clearly referring to the XXXX modification, which was the consequence of the XXXX Financial Mortgage Fraud.

As we said before we will examine the loan in its detail and eventually we will contact ARVEST and this Agency in the near future. 

We have requested from ARVEST a copy of a complete History of the Loan from its Origination in XXXX until the Present. 

Thank you for your attention.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (HI)

I am unable to withdraw my crypto from my Gemini account to an external wallet. I have been a Gemini customer for over XXXX years without any issues. I regularly withdrew my purchased crypto to an external wallet. It was always to the same address. Gemini recently approved a couple of my Wallet addresses as secure addresses for additional security. I recently Purchased approximately {$25000.00} of crypto and since then I have been unable to withdraw it. Gemini is no longer answering my emails. Approximately XXXX weeks ago when a security hold was put on my account I contacted Gemini customer support and and they emailed me back asking for additional identification information which I provided. After that, I received a couple of follow-up emails telling me they are working on the issue and to be patient. They refused to give me a reason for the hold. For the last XXXX weeks they no longer answer my emails. all I want to do withdraw my purchased crypto to my external wallet. After doing some quick research online, I have discovered that recently this has happened to a lot of Gemini customers. All the same issue. I believe Gemini is stalling and does not want me to withdraw my crypto. 
My ticket number for customer support with Gemini is XXXX
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

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

XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX XXXX XXXX : Account XXXX : XXXX XXXX XXXX : Account XXXX : XXXXXXXX XXXX XXXX  : Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Discharged : Reference # : XXXX XXXX XXXX  : Account # : XXXX These accounts have violated my rights. 

-15 USC 1681 section 602A states I have the right to privacy. 

XXXX15 USC 1681 section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

-15 USC 1681c ( a ) ( 5 ) 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 USC 1681 Section 2 ( A ) ( 1 ) states that 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. 

These debts occurred and were made worse by being under limited connectivity and availability while XXXX and/or forward XXXX on XXXX XXXX US military XXXX, I believe fall under the The Servicemembers Civil Relief Act ( SCRA ).
Consumer complaint received 2024-04-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

On XX/XX/year> I sent a complaint about Onemain and their Deceptive practices, I am asking for CFPB to review complaint again, due to excessive fees and making me purchase an " optional add on '' service, such as there insurance for the loan in case of unemployment, and charging me extra included into my interest, once again showing the company has many unfair practices and is in violation. Please refer to below as this affected me as well CFPB found that OneMain : Tricked borrowers into signing up for optional products : OneMain customers were led to believe that they could not receive a loan without signing up for an add-on product. Some employees added the products to paperwork without verbally informing the consumer that the products were included or optional, a practice referred to internally as pre-packing. If the consumer identified the products and asked for their removal, employees were expected to make it seem difficult to remove the products. In other cases, employees obscured written disclosures from consumers view, or verbally contradicted them Please review or I will take further legal action on Onemain
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (TX)

The credit card company formerly known as GE Money Bank who services several of my credit accounts randomly and without warning cancelled or closed paid accounts and lowered credit limits on my credit accounts without cause. I have never been late on any of my accounts and in fact have a monthly automatic payment set up on each of them. Because of this action my credit score has been harmed.
Consumer complaint received 2023-01-06
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: I.C. System, Inc. (TX)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 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 items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot 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 2020-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kingston Data & Credit International Inc. (GA)

I was called at XXXX and told that the collections company calling was a Credit Reporting Agency. After keeping me on the phone for over five minutes and being barely comprehensible to me, and after I figured out that they were a debt collections company, I told them to only contact me via mail.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

There is a debit for {$3100.00} from JEFFERSON CAPITAL SYST ( XXXX XXXX ), I was incarcerated XXXX and was told my uncle took my personal information I had bank accounts also opened in my name, my uncle passed away and now Im be been stuck trying to clear things that were stolen I
Consumer complaint received 2023-06-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC. (MS)

On XX/XX/2023 at around XXXX, I reached out to Halsted Financial after a debt reported on my account was reported to them from another collection company. I reached out to them asking to settle the account that I know insurance had already paid. When the company refused the offer I made, I explained that I would go ahead and pay the amount but would be filing a complaint against them. The representative then told me that she could not allow me to pay the settle if I could not agree to not file a complaint against them. She held me on the phone for more than 20 minutes going back and forth with me trying to make me say I won't file a complaint if she lets me pay off the offer amount. After being on the phone over an hour, being transferred to person after person, another person finally accepted my payment.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (VA)

XXXX XXXX  advised me that my debt was settled and I did not owe anything in my account. However they are listed on my account under Aldous and Associates for over {$600.00}. Back when I had the account I became physically Ill and XXXX XXXX advised me to give them a letter from my doctor stating that I could not use their gym. I did give them a letter from my doctor and they advised me that my account was settled and I didnt owe them anything. I need this account removed from my record.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file as well.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} AR XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus Transunion, XXXX and XXXX. 
The accounts that I submitted a written request for complete verification are the following : 1. ) Achieve Personal Loans address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone # XXXX opened and closed dates are different with all three bureaus. 
2. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
3. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened and closed dates are different with all three bureaus. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
6. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX opened and closed dates are different with all three bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.
Consumer complaint received 2024-04-06
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: Figure Technologies, Inc (TN)

I applied for a home equity loan with XXXX and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my credit score is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the XXXX credit report and XXXX says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over XXXX  years.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Transunion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$4100.00}
Consumer complaint received 2020-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I have a checking account in Usaa Federal Savings bank. Someone is attempting defraud me by submitting a W9 form which doesnt allow me to access my checking account information using the USAA mobile app. It stops me from seeing my checking account on the mobile act. The USAA isnt a law enforcement agency. It is blocking me from access to my account. I have contacted them and notified them they are denying my access. They wont provide me information. They should be held liable for their actions acting in a manor contrary to the law. I would like copies of who submitted such a request and what funds they are inquiring about. Someone is attempting fraud upon me. USAA is acting as an agent and should be held capable. They have recorded audio calls where I have verified my identity and they recognize me as XXXX XXXX XXXX. I have a right to due process yet they continue with this illegal and unlawful behavior!
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (GA)

I have a loan with Home Point Financial I was put on a forebearance plan and was told I could skip payments. They stopped the payments but reported me as late. When I login into the website I can not make payments or do anything else. The company is Homepoint Financial and my loan number is XXXX.