davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Account number XXXX Credit card Date opened XX/XX/2017 Status Paid, Closed. 

I opened a secured credit card with XXXX XXXX XXXX and deposited XXXX dollars to open the account and the credit line. After having the account for close to a year, I called and let them know I needed to close the account, and eventually went into the location and requested the card be closed and the secured funds used to close the account. The entire purpose of getting the secured card was to build credit and increase my credit scores. Sometime after the accounts were closed I got a ding on my credit report stating that the account was late. I worked exhaustingly through phone calls to ensure this did not happen as I was closing the account, and it still happened. I would like for the late payment to be removed from this account and to be reflected across all 3 credit bureaus. The account should also not show over limit because this is part of the misunderstanding on the final payment. It was paid in full and closed. I was working actively to protect my credit and it was my understanding that XXXX was working with me in this goal as well.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting 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/block any items 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and TransUnion regarding the inaccurate reporting of a XXXX  on my credit report. I believe that both credit reporting agencies have violated my consumer rights by including false information that is damaging to my creditworthiness. 

Details of the Inaccuracy : Inaccuracy : Both XXXX and TransUnion are reporting a XXXX  on my credit report that does not belong to me. 
Explanation : Upon reviewing my credit report, I discovered that XXXX and TransUnion are inaccurately reporting a XXXX  that is not associated with my financial history. I have never filed for XXXX, and this erroneous information is having a detrimental impact on my credit score and overall financial well-being. 

Steps Taken to Address the Issue : I have taken the following steps to rectify the situation : Contacted XXXX and TransUnion : I have contacted both XXXX and TransUnion to dispute the inaccurate information through their dispute resolution processes. 
Documentation : I have provided supporting documentation, including my credit reports, identification, and any relevant proof that confirms the error. 
Despite my efforts, the inaccurate XXXX  information persists on my credit reports, and it is crucial that prompt action is taken to rectify this situation. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate this matter and take the necessary actions to compel XXXX and TransUnion to correct the inaccurate reporting on my credit reports. 

Enclosed with this complaint, supporting documentation that may aid in your investigation. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring the accuracy of my credit reports.
Consumer complaint received 2020-11-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I sent a certified letter requesting a full accounting of my loan from conception XXXX XXXX to current date. I asked to know where my payments are posted all fees and other charges and why there is a additional {$10000.00} added to my loan with no breakdown and why on my statements am I being overcharged for escrow and property taxes? I need a full accounting to see what is really being applied and where. The last time my attorney asked they gave a partial accounting but I cant see where they got their numbers if its only a year or two. Also I need it to be legible and readable not in microscopic print when the printer is run out of ink. I have had several servicing companies so I am very concerned about miss management of my payments and late fees charged when I sent my payments certified every month but the servicing company holds the check for 10+ days before cashing. 

What I would like is a Legible readable accounting of my loan with all breakdowns of expenses, payments posted, taxes, insurance and other charges and why is there so much money being put into a unapplied funds column that just seems to disappear.
Consumer complaint received 2023-01-06
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. (IL)

Please see the following accounts appearing on my credit file by Transunion, XXXX and XXXX : 1. XXXX XXXXXXXX - # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX - # XXXX These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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 2023-06-06
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: Experian Information Solutions Inc. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX I received a notification from my credit report that my score had an alert. the alert was from Bank of America for a late payment. I had received no alerts, no notifications, no emails or bank statements and I told them as much. I was experiencing COVID hardship, which I also told them, and pointed out that they had not provided any information on how to request a COVID hardship forbearance. Several employees I spoke to also were unaware of where information about getting a COVID hardship forbearance even was. I contacted Bank of America multiple times to attempt to resolved but they were unwilling to do so.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (MI)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

Today I attempted to withdraw some of my money from my Goldman Sachs account. My attempt was to return the money to the same banking institution, XXXXXXXX XXXX XXXX XXXXXXXX, Indiana, which was the source of where these funds originated from earlier this calendar year. My online attempts using the website portal appeared to go through as normal. However, when contacting the bank on a separate matter, I am now being told that my account is locked? The rationale was to verify a deposit made in XXXX of this year? I do not believe any attempts were made to reach me with respect to activity which happened six months ago. I have received no emails. I have received no phone calls. I have been able to successfully deposit more money into my Goldman Sachs account since XXXX without issue. Ironically, the day in which I attempt to withdraw money, I am now being told this. My money is effectively being held hostage. I simply want the money in my account to be withdrawn in its entirety and returned to me. If this can not be done electronically, I will accept a paper check, mailed to me using US mail to my address on file : XXXX XXXX XXXX XXXX, XXXX, IN XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XX/XX/XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, XXXX XXXX
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I purchased XXXX XXXX flights with my U.S. Bank credit card totaling {$2200.00}. Subsequent to purchasing these flights, XXXX XXXX cancelled the flights. I requested a refund with XXXX XXXX through the phone and through email communication. The airline refused to refund me for the flights that it cancelled and eventually became non-responsive. Then, I disputed the charge on my card with U.S. Bank. Initially, I was provided a provisional credit for the charge. However, this credit was reversed and I was informed on XX/XX/2020 that this was because we " received the services represented by the transaction. '' I then called U.S. Bank to try and resolve the issue and communicated to their personnel that U.S. Department of Transportation rules require airlines to provide a full refund for flights that airlines cancel themselves, irrespective of the reason for the cancellation. However, U.S. Bank personnel informed me that XXXX XXXX provided some sort of documentation to show why they were rejecting the dispute and not offering a refund. I reminded U.S. Bank personnel that airlines can not ignore Department of Transportation rules and that it was illegal for them to refuse to provide a refund under the circumstances. I was informed that there was nothing that could be done because certain " Visa rules '' required them to reject the dispute if the merchant ( i.e. XXXX  XXXX ) provides ANY documentation objecting to the dispute. I reminded U.S. Bank personnel of the Department of Transportation rules but was informed that there is nothing they could do. I was instead provided with the mailing address of the Office of the President if I wanted to submit a complaint. Given that I am legally afforded a full refund, and not a travel voucher or any other alternative, I am seeking help to resolve this matter as soon as possible.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-07-25
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. (NJ)

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.

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 2023-07-13
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 told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # 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 XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2020-10-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CT)

There are two accounts on my credit from XXXX  XXXX  XXXX in the amount of XXXX other in XXXX frontier is still taking actions with one account and then they sent the other account to easterns account. I spoken to someone on the phone numerous of times trying to understand why do I have so many accounts in my name with different bills and how can I even open up a account if I had amount due they stated that when I move I always get a new account I asked how when my account is supposed to be transferred? I sent frontier a letter on XXXX and they received the letter on XXXX someone by the name of XXXX XXXX received my certified mail along with my return receipt he signed for it Its been 30 days havent received anything then I wrote another letter on XXXX still havent received anything and today is XXXX
Consumer complaint received 2023-05-09
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. ()

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXXXXXX XXXX '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A 4TH AMENDMENT WARRANT. VIOLATION OF THE 5TH AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have disputed an Account with " XXXX   ''. The case # listed on my credit report is XXXX. This company is currently reporting late payments on an account that was cancelled many months ago in XXXX. I disputed this account with the company as well as XXXX, Equifax and XXXX. I have provided proof of the cancellation via an email exchange between myself and the XXXX.
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be removed from my report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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