davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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. (MI)

On XX/XX/2022 I saw an alert XXXX credit report letting me know there was a hard inquiry for XXXX XXXX XXXX XXXX XXXX, which I immediately did not recognize. I contacted XXXX that day, which started a dispute process for the unauthorized hard inquiry. They were able to remove this from my report within a few days. The financial institution in question 's fraud department contacted me and left a voicemail on the XXXX. I attempted to contact them via the financial institution 's fraud line number but did not reach them immediately. When I reached out again about two weeks later, they told me about the credit card opened with my information, which they flagged as fraudulent within a few days of the account opening. They were able to successfully close down the credit card and the account they opened linked to the line of credit. 

On XX/XX/2022 I received a letter from another financial institution XXXX XXXX XXXX requesting I send them my paystubs so that the loan could be processed. I of course did not recognize this financial institution. I called the financial institution and let them know my identity was stolen, they immediately closed the loan application and, presumably, the account that was opened with it. 

XX/XX/2022 I contacted XXXX to remove the other hard inquiry for XXXX XXXX XXXX, which started a dispute process. Currently waiting to see that the dispute is resolved.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP (UT)

He starts out by saying he is representing an Attorney, I believe this was stated to intimidate me. They call 5 or 6 times a day. I told him to take my number add it to the do not call list, and to send mail. I don't know who this company is. Normal Attorney 's don't call incessantly. They try intimidation by insinuating you are being sued. When all they are is a debt collector with shady dealing.
Consumer complaint received 2022-05-27
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. (MD)

I have been denied credit based on data from TransUnion. XXXX XXXX XX/XX/22 denial.I have contacted them about inaccurate data in my credit report and tried to correct the issue, This goes back to XXXX since more than 30 days have passed, I need to take further action on them not correcting the problems.
Consumer complaint received 2022-05-27
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: Possible Financial Inc (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( U.S. BANKRUPTCY COURT - XXXX ). Because the account name being reported by your company and XXXX are different ( XXXX XXXX XXXX XXXXXXXX XXXX )., this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2021-12-20
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. (IN)

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 2021-12-20
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. (IN)

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 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CO)

I had 3 auto loans with the same company. All loans were paid and closed in XX/XX/XXXX. The date of last action on my credit report should be between XX/XX/XXXX and XX/XX/XXXX however i just got notice from XXXX that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The 3 Major Credit Bureaus are reporting information on me that is not accurate and should not be reporting on my report. 

I do NOT owe any thing to this creditor, and each time I dispute this with the creditor they never respond and the credit bureaus lie by stating that they have verified this and it is accurate. But they are lying because if they truly investigated this they would see that I am not responsible for this and this should not be on my report. 

XXXX XXXX IN Reported : XXXX XXXX, XXXX {$1000.00} This XXXX account is fraudulent! 

XXXX XXXX Reported : XXXX. XXXX, XXXX {$1600.00}
Consumer complaint received 2021-12-20
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: Resurgent Capital Services L.P. (NJ)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

14. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 Equifax dropped my score by XXXX points without due cause and refused to tell me why this had happened. Spoke with Equifax on Monday XX/XX/2021. XXXX XXXX transferred me to XXXX XXXX who transferred me to XXXX XXXX. All said they were unable to tell me why my score had dropped and offered to send my report. The problem is the score dropping without cause. There has been no such drop from the other two bureaus because there is no reason for a downward adjustment. I have an excellent payment record and 14 % utilization with no new negatives. This has caused great distress as I have carefully raised my score from bad to good over the last two years. I have studied credit and understand how it works. Compared to my other reports, my Equifax report is fraudulent and full of errors. It contains incorrect addresses, names and accounts which could lead to fraudulent accounts being opened and I will dispute them separately from this issue. This has been very emotional for me as a drop this huge is very traumatizing to someone who has worked so hard to raise their score. There is part of me that feels that this score drop is racially motivated. While this is ongoing I am suffering punitive and emotional damage as I was in the process of buying a car. My current unfair and unexplained Equifax score decrease is preventing my efforts to secure financing. I need an explanation, a reversal and restoration of my hard earned Good rating. They need to correct their error. There is not a valid reason for Equifax to have lowered my score.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (CA)

I have requested my FULL report from NexisLexis as they have and continue to give out false, fake misleading information and for now 5 months have refused to provide me a report.
Consumer complaint received 2021-12-20
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. (MA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped 22 points. I want it removed and I want XXXX XXXX flagged as a scam.
Consumer complaint received 2019-09-07
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: AMERICAN EXPRESS COMPANY (DC)

I have been an American Express customer in good standing for 10 years now, and recently I found that my AmEx account had been marked as " delinquent '' for failure to pay late fees on a card that I cancelled almost a year ago that apparently had a small balance still left on it without my knowing about it. 

Given that I had other AmEx cards that I paid the entire balance on in full every single month, it was obvious to me that this balance on the closed account was allowed to continue to incur late fees because AmEx realized that I didn't realize there was a balance, so they let this go on for 8 months and held me responsible for hundreds of dollars in late fees on a closed account. AmEx claimed that they notified me via mail ( any other credit card company I have forgotten to pay a balance on has always called me ) but I have found zero evidence anywhere that they actually did. 

I have closed all of my accounts with AmEx, and paid everything I owed them in full including these hundreds of dollars in late fees that were added to the closed account, but I am concerned that this clear and obvious oversight that AmEx did not perform even basic due-dilligence in notifying me of as an account holder in good standing for a decade with them, has hurt my credit though I always do my utmost to pay all of my bills on time. You can not pay off what you don't realize you even owe, and obviously someone with my credit history with AmEx shouldn't have been torched by them this way. 

Regards, XXXX XXXX
Consumer complaint received 2019-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

XX/XX/19 I paid {$59.00} for two tickets that were to be transferred to myself within 24-hours of receiving payment. The vendor delayed sending the items, then refused to communicate about a refund or solution regarding the dispute. I attempted to cancel and dispute the transaction the following morning on XX/XX/19 on my payment system.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-05-27
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)

XXXX accordance with the Fair Credit Reporting The Following Inquiries XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I seek to buy a house. I called XXXX at XXXX ( XXXX ) to wire the necessary funds to my closing attorney. Time is of the essence!! 

XXXX said I could NOT wire the funds to the closing attorney, but I could wire them to my personal checking account ( different bank ). I did at XXXX ( XXXX ). 

At XXXX ( XXXX ), the funds have not left my XXXX account or arrived at my [ Other Bank ] account. 

3+ hours and counting. There is a home closing hanging in the balance. XXXX does not seem to care.
Consumer complaint received 2024-06-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Fund (FL)

Accion Opportunity Fund reports a loan that was taken for XXXX XXXX XXXX in my personal credit report as charge off. XXXX XXXX is a limited liability company and I did not sign as a guarantor for the loan. Due to natural disaster in XXXX XXXX, XXXX on XX/XX/2023, my XXXX suffered loss of income and earning capacity. That's why I couldn't pay for the remaining balance on the loan due to high interest, late fees and other junk fees. I told them that I was negatively affected by the disaster but they still report this loan in my personal credit as charge off account.
Consumer complaint received 2022-11-23
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. (NM)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX
Consumer complaint received 2019-09-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

On XX/XX/2019, I closed on my home and began a mortgage contract with XXXX XXXX XXXX for {$270000.00}. Sometime late XXXX, I received a letter from XXXX XXXX XXXX that they were changing the name on the mortgage from XXXX XXXX XXXX to Ameris Bank, as the two banks are undergoing a merger. On this letter, which I unfortunately no longer have, it stated that my methods of payment would not change due to this name change/merger. 

Ameris Bank sent me a letter in early XXXX informing me how to begin paying them for my mortgage. I received a statement from them on XX/XX/XXXX requesting a payment of {$1500.00} due by XX/XX/XXXX. This was odd to me, as I had paid XXXX XXXX XXXX for the statement they sent me for the same amount, also due XX/XX/XXXX. To avoid any late payment or collection attempts, I sent Ameris Bank a payment anyways, since I was under the impression that these were effectively the same mortgage, and it would be applied to my balance anyways. 

However, this is not the case. Both companies have different payment histories from me, different principal balances, and different escrow balances. Through some further research, I found that there are now two mortgages on my credit report from each company, XXXX/AMERIS BAN ( Ameris Bank ), and XXXX XXXX ( XXXX XXXX XXXX ) for the same original loan amount and same date opened. Apparently both companies think I owe them money. 

I contacted XXXX XXXX XXXX about the mortgage on XX/XX/2019, and their customer service representative told me something to the effect of " Mergers are tricky, this will sort itself out. '' I asked them who I was supposed to be paying for the mortgage, and they said continue paying XXXX XXXX XXXX the same way which was agreed at closing. 

I contacted Ameris Bank on XX/XX/2019 about the same issue, and their customer service said the account is open with them and to continue paying them money. I immediately contacted XXXX XXXX XXXX and spoke with the customer service again, and demanded they resolve this issue. I told them I need something in writing saying that they are who I am supposed to pay, and not Ameris Bank. However, I don't think this matters since there are two mortgages open on my credit report.
Consumer complaint received 2024-06-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TOTAL MORTGAGE SERVICES LLC (RI)

I have the details of all my complaints in the demand letter attached. When I reached out to Total Mortgage with my concerns, they implicitly threatened to back out of closing leaving me liable for the deposit. 

Essentially, Totally Mortgage forced me into a detail under the pretense of a grant they negligently did not secure in time. When I complained, they threatened to leave the deal and leave me liable for my deposit. 

Along the way they've misrepresented Rhode Island closing law and the grant process and terms me on the record via email. Please review the attachment thoroughly, I am in great distress over this ordeal even 6 months later.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (TX)

I XXXX XXXX have a debt amount of XXXX with Meridian Financial SVC Timeshare Liquidators LLC. I have never done a time share and have no idea who this company it. It is effecting my credit and effecting my home and means to be able to get things I need to survive in life. The company is not allowing me to dispute this charge. When I contact the company they state the have no account in my name but yet it is on my credit. I am pressing charges and will get a lawyer involved now. I want this off my credit