davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Tried to purchase vehicle, credit report showed freeze/fraud alert. Did not place this on my personal file. Contacted Equifax the first time in XXXX. Was told to send copies of State Issued ID, utility bill and last 4 of social security number. Unable to verify security questions as well because information is obviously incorrect. Since that time we have faxed requested information to Equifax Dispute Department 7 times, most recentlyXX/XX/2019. It wasn't until fax number 4 we were told we must send an actual copy of Social Security Card. The previous four faxes can not be located by Equifax, yet they requested a copy of SSN be sent. It has been faxed to them 3 times. I have spoken to CSRs, Resolution Managers and to NO avail. I have names and badge # s of all spoken to. Calls lasting from 1 hour to 2 hours each time Equifax is contacted with NO resolution and my information faxed still not being found! Spoke with Manager on XX/XX/19 who assured the security of my SS card being received by their company and would be processed in 2-3 business days. She requested we call back on XX/XX/19 for update and status. As of XX/XX/19 they STILL have NOT received my faxed SS card! It's floating around somewhere! My ID and utility bill have been uploaded along with the last 4 of social, but NO CARD found. This is unprofessional at best, unexcusable and irritating! It is also quite difficult to speak with their agents who all have very thick foreign accents and read their information off of laminated copies back to you! I NEED HELP! Any information of who I spoke with and when, faxed info, etc. can be uploaded and sent if necessary!
Consumer complaint received 2022-05-31
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. (CT)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 : TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I was sent a letter from I.C. System Inc claiming that I have a debt with XXXX XXXX, a company I have no history with, to the tune of {$6000.00}. I have disputed this claim as I have no idea where it possibly came from. Disputing the claim online involves giving them your social security number and other personal information which feels predatory given the situation.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I have a conventional loan with PMI at flagstar bank, the principal is under 78 % the value of the home, and I requested the PMI be removed. They didn't respond to my first request so I made a second request and they demanded I pay them {$150.00} for a new home valuation. However when I got the loan I was informed the PMI would be removed once the principal was under 80 %.
Consumer complaint received 2022-12-18
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: AMERISAVE MORTGAGE CORPORATION (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amerisave Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 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 XXXXXXXX XXXX 

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 2019-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I applied for the Chase Business United MileagePlus Club card using this link : https : /XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX About a week later, I was approved and received my card in the mail. However, it was the XXXX XXXX XXXX XXXX card and not the business card which I had applied for. 

I tried calling to explain about this issue and received various ambiguous answers. The first time I reached out, I was told that the card I received was indeed the business card. The second, third, and fourth times I called, I was told that this was a personal card and that they can't change it for me.
Consumer complaint received 2019-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

New car loan acct # XXXX purchase date XX/XX/XXXX. XX/XX/XXXX due date change requested at dealer and prior to 1st payment due with Ally Financial who tried to charge me for a date change. I requested prior to 1st payment due asked for the charge to be waived and due date changed. Escalated with Ally Financial they approved the date change noted my account. They didnt adhere and allowed my account to go into collections, added late fees and began harassing collection calls. Made repeated request to correct my XXXX I asked for my account to again be corrected Ally financial refused until I made a payment. Strong arming me. Payment made. Account still not corrected. No company should charge a customer to change an initial due date, strong arm a customer with intimidation by refusing to correct a problem unless payment is made. Due date change approved the XXXX week of XXXX by Ally financial. My account was mishandled. I'm having problems getting resolution. Please help!
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I'm an XXXX XXXX XXXX XXXX that arrived to XXXX with my wife and XXXX kids under XXXX orders on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my USAA daily checking account wasn't available on my phone application, but thought it was a system error since I had just updated the USAA Mobile App on my phone. The next day I had my wife, an authorized owner of the account, verify with the USAA web page that the account still didn't appear. I then suspected that the account had been closed when my phone got disconnected due to a failed automatic withdrawal. I immediately called USAA to inquire the reason for the closure of my account that I use to pay all my and all USAA products that I own. 

Their excuse was that my XXXX sister, one of the four authorized account owners since XXXX ( me been the primary ), had not provided proof of identification and therefore the account was closed. Again, she is a XXXX years-old  XXXX person that can't speak XXXX XXXX on her own. I have been using this account for nearly 9 years and its were my XXXX check gets deposited every XXXX day of the month, yet USAA decided to close this account without notice and with zero consideration to what damage closing this account for one of their loyal members. I had to make a {$14000.00} loan to match this XXXX 's paycheck since XXXX won't resubmit this month 's check until my next payday, which is on XX/XX/XXXX. At the time I called USAA, I asked them to simply remove my sister and reinstate the closed account ( which would have been the preferred initial course of action ), but they said that was impossible and that they could not help me.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority (TX)

XX/XX/XXXX Greetings, I presented a police report to all 3 credit bureaus in XXXX stating that I was a victim of identity theft. Looking over my credit reports in that year I noticed so many errors and inaccuracies on my reports that it astonished me. I contacted all 3 bureaus and the debt collection companies directly to dispute all inaccuracies. Many of the companies stated that they did not have me in their systems and to dispute the debt with the credit bureaus. I did dispute the accounts and they still appear on my credit report and are inaccurate and some are not my debt. I have inquiries I never authorized as well as names that are not mine. Addresses I have never lived. XXXX in fact notified me of a data security breach in XXXX and that my identity had been compromised as well. I have disputed on all 3 credit reports personal information that is not my identity. XXXX responded in XXXX of XXXX to my dispute and sent back the dispute with the same information that I disputed which had me pretty upset that they would not honor a police report my identification as well an affidavit of facts. I did security freezes with XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. XXXX has reported and XXXX has reported inaccurate debt in large amounts of various accounts. owing {$30000.00}, {$7000.00}, {$1400.00}, {$1800.00} and {$9300.00} KHEAA I do not even know who this company is. XXXX and KHEAA indicated they have no record of me in their system and could not tell me anything. XXXX has an inaccurate amount of debt on the credit reports. XXXX XXXX XXXX XXXX XXXX has expired. They indicated to dispute the account. XXXX XXXX is a collection agency I never heard of. I never opened up a XXXX XXXX XXXX  account and do not have nor had a credit card of such in my possession. I will be sending out letters to all bureaus and agencies to resolve these matters. My financial peace of mind has been broken and i will not rest until I get to the bottom of why nothing is being done to resolve these matters. If you need any further documents please let me know. 

Thank you,
Consumer complaint received 2022-06-01
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. (CA)

I sent letters to the Credit Bureaus on XX/XX/XXXX, requesting the removal of unauthorized inquiries I saw on my Credit Report, with complete proof of my Identity. Upon reviewing my updates, incorrect information were reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act section 605b, and continued to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-31
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)

This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Thank you,
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Consumer complaint received 2022-12-18
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. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-31
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. (FL)

This letter is a formal complaint that you are incomplete credit information. 
reporting inaccurateand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the originalsigned consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please REMOVE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracyand completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,
Consumer complaint received 2022-05-31
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. (TN)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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. 

XXXX COLLECTIONS XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX : {$680.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION COLLECTIONS XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX : {$680.00} INQURIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX COLLECTIONS XXXX XXXX : {$920.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (NC)

Im accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-18
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. (PA)

I requested an investigation with Transunion into the accounts listed below. After getting a response from TransUnion that the accounts were " verified '', I requested a method of verification and did not receive a response. 

Accounts in question : XXXX XXXX  {$1000.00} Account # XXXX XXXX XXXX {$610.00} Account # XXXX XXXX XXXX {$540.00} Account # XXXX XXXX XXXX XXXX {$44.00} Account # XXXX XXXX XXXX {$530.00} Account # XXXX XXXX XXXX {$390.00} Account # XXXX XXXX XXXX {$530.00} Account # XXXX I look forward to getting this issue resolved asap. 

Regards, XXXX XXXX
Consumer complaint received 2022-05-31
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: Medical Data Systems, Inc. (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-05-31
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. (CA)

The decision to not delete the public record on file is very upsetting and I do not think this is fair. I have sent supporting documentation to XXXX and Transunion showing, prior to the public record, that XXXX XXXX admits to an erroneous software miscalculation on XX/XX/XXXX which denied a loan modification which led to the public record filing on XXXX, XXXX, XXXX. This case has extenuating circumstances. The public record filing should never of been filed in the first place but was based on an error by XXXX XXXX. XXXX XXXX suppressed this information from me for 7 years as I was notified on XX/XX/XXXX of the error. This is the correct aspect of this matter. It is time to end all the controversy of this matter and by deleting the last public record on my credit report will do so.