davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
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. (AR)

On XXXX XXXX, 2017 I sent a certified letter to XXXX, XXXX, and Equifax on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below in my complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

i filed this complaint in XXXX or XXXX of this year XXXX XXXX ) and previously and transunion still has not fixed the issue. They are reporting incorrect addresses for me and attaching info on my credit report related to the addresses. I have reported though this website and to transunion on several occastions now that i do not live on XXXX XXXX and have not since XX/XX/XXXX. I would like the information to be reflected correctly. I have provided proof to them and through consumer financial protection bureau that proves that I was not at that address at the timeframes they have listed on my credit report. They have instead chosen to ignore information from the electric company verifying my actual address at the time they claimed i was on XXXXXXXX XXXX they have decided to come up with illegitimate reasons to prevent updating he info to the correct information. They are a part of the fraud and crime that exist in the country. i would like my information corrected to reflect the correct information. my mail is currently re-routed and not delivered to me because between transunion and the us postal service, they crime and theft ring just keeps growing.
Consumer complaint received 2022-12-30
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}
Consumer complaint received 2019-10-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received an approval from USAA for a Mortgage Loan on XX/XX/2019, in the amount of {$460000.00}. 
I completed all Inspections that were informed to me by USAA that needed to be completed. 

My date to close the loan was XX/XX/2019 ; however, I received a notice from XXXX with ( USAA ) that my closing date was changed to XX/XX/2019. On XX/XX/XXXX around XXXX XXXX, I received a call from my Loan Processor XXXX informing me that the loan could not be approved. I informed XXXX it's two days before closing and I have paid everything she informed me had to be paid. Im packed with people ready to move me what is going on she stated I did not make enough for the loan. I informed XXXX she did not just receive my documents why is she just informing me? Per XXXX shes sorry but thats all she could do. 

I called back and asked for the President 's Office. The Secretary took my information in which I received a call back from Mrs. XXXX. I informed Mrs. XXXX of the problem as well as the amount of money I paid to make sure everything would be completed per USAA. I also informed Mrs. XXXX this is two days before my closing and I have given my notice to move out of my current residence. Mrs. XXXX apologizes and stated theres nothing that can be done. Mrs. XXXX stated XXXX was pretty new to USAA and Mrs. XXXX ( Loan Officer with USAA ) should have informed me. I informed Mrs. XXXX this is 28 days later and it's not my problem USAA did not inform me of my true approval amount. I also informed Mrs. XXXX USAA has me in a pretty bad state. I asked about the money which I had paid in which she informed me I will not receive any of my money back from USAA. I asked Mrs. XXXX to speak to someone higher in which she informed me theres no one else for me to speak with she is the last person. 

Sir/Madam, Im writing this letter requesting help. I do understand every business has policies. But two days before a loan close and Ive been enter acting with USAA almost daily. Also, USAA told me to get things done and now refuse to return any of my money. Because USAA waited two days before closing I also lost my Earnest Money. I did not hold back on any documents that were needed for my loan I provided USAA with everything that was requested. I did not provide USAA with any false information and I completed every task in which I was informed had to be completed. I did not do anything negligent and shouldnt go to the loss of my money due to USAA negligent.
Consumer complaint received 2023-04-03
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)

Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I have called Fay Servicing many times, emailed Fay Servicing many times about adding the loan number XXXX, address at XXXX XXXX XXXX XXXX, NJ XXXX to my existing online portal. After calling the company many times, speaking with XXXX and many other representative, the company still would not help to add my loan into the profile. I am afraid of losing the home because it is an intentional act and I can not make a payment at all or change the bank account.
Consumer complaint received 2019-07-26
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)

I have filed disputes with Experian for credit validation/verification. I just received a letter yesterday XXXX/XXXX/19 from them stating they will not re investigate my disputes with them on my negative accounts. I have sent them XXXX letters so far though XXXX certified mail regarding these disputes XXXX/XXXX/19 and XXXX/XXXX/19. Under the Fair Credit Reporting Act they are required to re investigate. Also I have ask for proof of debt and how they have verified this debt. They have failed to show me adequate proof that the debt is mine for example : original contracts for these negative debts and XXXX collections
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I am writing with regards to the closure of my Chase Freedom, Chase Freedom Unlimited, and Chase XXXX cards. The reasons given to me were that 1 ) I have too many credit inquiries and 2 ) I have too many cards. 

Regarding the first point, Chase inquired into my credit twice for the XXXX card and the duplication is being removed. I received a letter dated XX/XX/18 confirming this from Chase. In relevant part it states : Weve sent a request to the credit reporting agency shown below to mask the inquiry from XX/XX/XXXX. And this inquiry will be removed within six to eight weeks, according to Chases Credit Bureau Specialists. 

As to the second point, the only card I have opened as of 2018 is the XXXX card. This was a card that Chase solicited and pre-approved me for. They claim that this is the 4th card I have requested with them and this is not the case. 

I have inquired as to whether there are any other reasons and the chase banker I spoke to on XX/XX/18 claims that these reasons i am deemed a credit risk. 

Objectively this is hard for me to stomach : I have banked with chase for 11 years ( Since I was XXXX XXXX XXXX ), I have never missed a payment with chase or otherwise. And they were informed that I am currently working at XXXX 's law library while I study for the bar before I begin my legal work on XX/XX/XXXX making XXXX a year.
Consumer complaint received 2018-05-22
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. (AL)

I have disputed XXXX via XXXX & Transunion, I have requested that XXXX   VALIDATE not just verify this account. 

I have no knowledge of this account. Please send a valid contract between XXXX and XXXX XXXX that was signed stating that I would pay them and giving them the right to report on my credit if I did not pay them.
Consumer complaint received 2019-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC (FL)

Called repeatedly the number provided ( XXXX ), trying to reach a representative at XXXX XXXX XXXX XXXX, XXXX. Phone continued to ring with no one answering. Trying to resolve a issue with receiving a recent phone call from someone trying to collect on behalf of XXXX XXXX XXXX. After speaking with XXXX, they stated the file was sold to a third party. Reached out to the third Party, XXXX XXXX XXXX and they responded as not being in business and the debt was returned to XXXX XXXX XXXX XXXX, XXXX. Not sure of what's going on but I need some answers of who placed a call to my cell phone collecting on behalf of XXXX XXXX XXXX and requesting me to settle a debt owed for {$2000.00}. The individual went on to say that a civil complaint was in process as well as a judgment. So far no one is willing to own up to the phone call made to my cell phone on last Thursday ( XX/XX/2019 ) regarding this debt they say I owe. So again, I need a verification of debt in writing from XXXX XXXX XXXX XXXX, they say I owe.
Consumer complaint received 2019-07-26
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: CITIBANK, N.A. (TX)

Hello, here are the facts on the purchase where merchandise was never received. 

1. I placed an order for XXXX XXXX XXXX on XX/XX/2019 from XXXX to be shipped to my billing address in XXXX, TX. The purchase price was XXXX + XXXX for shipping 2. I paid for this purchase through XXXX credit card processing with a link on XXXX to complete the check-out. The XXXX receipt listed the shipping address again in XXXX, TX. 
3. On XX/XX/XXXX, XXXX sent a shipment notification with USPS tracking number XXXX. When I went to USPS site to track it, the package was sent to XXXX, OR and not XXXX, TX. 
4. I never received the scanner. Tracking number shows a shipment sent to XXXX, OR 5. Citibank has resolved the claim in favor of the merchant on 4 separate occasions. 
( 1 ) Item was delivered by USPS to XXXX verified address - NOT TRUE, XXXX lied in response to Citi ; ( 2 ) merchant must agree to refund amount in question - MERCHANT CONTACT GOES UNANSWERED ; ( 3 ) merchandise description not provided - NOT TRUE, already provided receipt showing merchandise description ; ( 4 ) must provide a valid credit slip - no idea what else I could provide since I provided the following documentation with the dispute - receipt from merchant, receipt from XXXX for payment processed, shipment notification from XXXX, usps tracking confirmation showing it was shipped to OR and not TX.
Consumer complaint received 2018-06-26
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: TRANSWORLD SYSTEMS INC (MI)

Theres inaccuracies in my XXXX  report showing a collection for {$100.00} from TransWorld Systems opened on XX/XX/2017. Another inaccuracy is on my XXXX report from XXXX XXXX for {$500.00} opened on XX/XX/2017. I pay all my bills. These are not my collections/accounts.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CO)

On both XX/XX/XXXX and XXXX of 2021, I submitted three claims involving fraudulent purchases on XXXXXX/XX/XXXX with the same subscription-based price of {$170.00} that I did not make on my phone ( XXXXXX/XX/XXXX ) with XXXX. However, because XXXX failed to recognize that all three transactions were unauthorized, I had to rely on all three credit card companies that the purchases were being charged onto XXXX Discover, XX/XX/XXXX and XXXX XXXX. So far, on XX/XX/XXXX of 2021, XXXX was able to determine that the purchase involving XXXX XXXX was unauthorized. As for XX/XX/XXXX, I don't know what the outcome will be since I have not received any update from them. For Discover, they failed to recognize the transaction as fraudulent on both attempts ( the result for the first attempt was on XX/XX/XXXX after I filed a dispute with them on XX/XX/XXXX and the result for the second attempt was on XX/XX/XXXX after I read the Dispute Result Letter from Discover and have sent them additional documentations on XX/XX/XXXX ). Also on XX/XX/XXXX, I sent them one more evidence telling them that XXXX was able to recognize the transaction as fraudulent that Discover did not and suggest them to look over the previous evidence again to make sure they do not miss any foul play. However, after this, I did not received any response from Discover for five days.
Consumer complaint received 2016-01-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (MD)

American Credit Acceptance repossessed vehicle XXXX/XXXX/XXXX ; loan was current. Video recording of automated system. Demanded repo fees and late fees w/o 10 day discretionary notice ( informed them they were not entitled ). Made fraudulent entries in account payment history to reverse repo fees ( demanded monies be returned to me ). Recovery agent demanded add'l {$370.00} to release vehicle. XXXX XXXX XXXX XXXX XXXX packed purchase price of loan & added {$1500.00} cash down payment to purchase price of vehicle. Credit report indicates " pays as agreed '' ; another agency has a 60 day delinquent entry ( 2 months prior entry states payment on time ) next month reported 30 days delinquent. Simple Interest Loan ; several payments of {$280.00} applied {$20.00} to principal or {$0.00} to principal. As of XXXX XXXX total payments $ XXXX/Interest posted $ XXXX/Principal posted {$1100.00}.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Case Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

A cash advance check for {$14000.00} was charged to my card and was not authorized by me. They also charged a fee of {$450.00}. We have notified Citibank and have not been credited for this error. Citibank allowed someone to change our address to a XXXX New York address and we have never lived in New York. They also allowed someone to change are email address, cell phone number and our password. We have contacted them every day since XX/XX/XXXX with no results.
Consumer complaint received 2023-01-12
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. (GA)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 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.