davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-20
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. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy. 
15 U.S.C. 1681 Section 604 A, Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Johnson Mark LLC (NY)

I had a XXXX XXXX XXXX Account. I paid it off to Johnson Marks XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. 

I called both Johnson Mark and XXXX XXXX. Johnson Mark said that maybe it was not reported too XXXX. I called again and then they said that they don't report to the credit bureaus etc. I also called XXXX credit and they said that they needed information from Johnson Mark. My sending a letter to them was not good enough. I called Johnson Mark again and left a message with a manager. I got no call back. I called XXXX XXXX and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by XXXX XXXX. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to XXXX. Well, they did not verify it because I paid it in full to Johnson Mark Law firm I contacted XXXX XXXX back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NV)

Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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)

I sent out a letter to XXXX on XX/XX/2023 disputing two accounts reporting late payments and also disputed online. They have investigated and results came back verified and updated. However, the late payments were not removed. 

In accordance with the Fair Credit Reporting Act, both : XXXX account ending XXXX XXXX XXXXXXXX account ending XXXX has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-04-20
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I assert that the inclusion of certain accounts on my credit file is a direct violation of my consumer report. According to 15 US 1681C-2, my rights as a consumer have been clearly violated. I am requesting the removal of these items within 4 days as mandated by the law. This request is supported by the inclusion of my ssc, id, fie report, and personal statement.it is imperative to emphazie that my request to block was not made in error, nor was it based on a material misrepresentation. I did not knowingly obtain, or have known to obtain, possession of goods, services or money as a result of the transaction I am requesting to block. Therefore these should be block and removed within 4 days or further action will be taken on my behalf and I will sue for character defamation.
Consumer complaint received 2022-04-20
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. (NY)

i sent an Affidavit of truth to TRANSUNION, XXXX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

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 2022-04-20
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. (NJ)

ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX XXXXIn addition : 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 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 In accordance to the fair credit reporting act the above stated companies have violated my rights -15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Bay Equity LLC (IL)

I have closed on four conventional mortgages over the last year. This is the first time I was baited to join a mortgage company, Bay Equity. The loan officer I used was XXXX XXXX, XXXX # XXXX. I emailed him to see if they could beat a rate and the loan officer had me first upload all my information and then emailed me an edited loan estimate. When I say he edited, I used his numbers on his loan estimate and totaled {$69000.00}. His total on his loan estimate form was {$65000.00}, which did not make any sense. I confronted him about the numbers because the loan origination fees were significantly higher than the competitor XXXX mortgage, but he gave me a .01 % better rate. He claimed this rate was enough to offset the numbers. He edited the document to try and deceive me. I asked him to explain how he got to these numbers, and he told me the math adds up. He never could justify the numbers. 

The reason I am making a written complaint is that if he tried to do this to me, I bet he has done it to other people. I doubt most people would catch this, as closing on a home loan can be burdensome. I uploaded his loan estimate so you can verify that if you add up all the numbers itll total XXXX and not XXXX which was on the loan estimate form.
Consumer complaint received 2022-04-20
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts stated above has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-20
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: Movement Mortgage LLC (VA)

Below is the sequence of events that caused the late payment on my account. 

My credit reports indicate Movement is missing a payment for XXXX : I have attached the front and back of the check payment that cleared my account on XX/XX/XXXX. 
The payment they lost has adversely impacted my credit and caused my credit score to drop by over a XXXX points. 

It is clear from reading Movements online reviews that I am not the only client who has been victimized by sloppy processing. 

XX/XX/XXXX Met with title attorney to close on loan XX/XX/XXXX - Contacted my realtor because I had not received payment coupons from Movement XX/XX/XXXX - Movement reached out to tell me they forgot to have me sign closing paperwork, which triggers the payment process. The closing documents had a XXXX expiration date. 
Third week in XXXX Because of Movement 's XXXX email and my concerns about Movement 's business practices throughout the loan process, I met with an attorney to ensure all the loan documents were in order. 
XX/XX/XXXX Mailed initial payment of {$2100.00} and signed contract, via XXXX, as per the attached documentation. Note : The documents were mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, per the mailing address in my Promissory Note. 
XX/XX/XXXX - Made XXXX payment on time, as per the attached canceled check from my bank
Consumer complaint received 2022-04-20
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. (OH)

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-20
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. (OH)

In accordance with the Fair Credit Reporting act 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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (MI)

on XXXX XXXX the XXXX i spoke to an supervisor XXXX and she finally agreed and apologized that oh you are right we never mailed you these three cards ending XXXX XXXX and XXXX i told her no one would even admit that i had XXXX and saw it on statement. i ask her to open my other 4 accounts and she refused saying i could only have one account open at a time. i said could you send that in writing. she said no.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I have targeted offers about this wells fargo Propel Card in XXXX XXXX. My credit score is more than 800 and never had a default. 
But still i am being denied the credit card. There were no errors or false data in my application. When i called the toll free # - i was told that i have too much credit already for me. it's a weird reason. 

why wells fargo is targeting me by showing these kind of offers ( with very high odds of approval ) and then denying me?
Consumer complaint received 2019-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION (MO)

Compass bank aggressively offered a line of credit/ loan. I did make close to four payments maybe more. Late XXXX into early XXXX. Did seek a debt reduction program, which compass has not worked with. I feel the finance charges of XXXX are not in line with the payment of XXXX which is fifty percent less then the interest! I. Have suffered a XXXX and not able to work at this time.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/year> i wrote you about these accounts and didnt get a response. I also wrote you on the XXXX XXXX XXXXXXXX which was last year.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ).

This is my last request ; I have also submitted a copy of this letter to the Federal Trade Commission, alerting them that I have signed receipts for letters delivered to you. You have not complied with my request under 15 U.S. Code Section 1681e ( b ) Accuracy of report -Compliance processes. I regret that I am obliged to take such action. As you are aware, federal law compels you to react within 30 days ; yet, you have not responded.
Consumer complaint received 2024-03-14
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. (FL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX  Equifax XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX Equifax XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX  XXXX XXXX XX/XX/2023 New account XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XX/XX/2023 Card over limit XXXX  XXXX XXXX XX/XX/2023 Potentially negative XXXX  XXXX XXXX XX/XX/2023 Public record Equifax XX/XX/2023 New address Experian XX/XX/2023 Public record Equifax XX/XX/2023 Potentially negative XXXX  XXXX XXXX XX/XX/2023 New account XXXX Equifax XX/XX/2023 Potentially negative XXXX  XXXX
Consumer complaint received 2022-04-20
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. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

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