davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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. (NY)

I send a letter to XXXX XXXX XXXX XXXX XXXX on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account Number:XXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXX XXXX  XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX  name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.
Consumer complaint received 2022-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and Equifax report. I have filed numerous disputes directly with credit reporting companies to remove XXXX, XXXX from my credit report/file. XXXX continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, XXXX can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by XXXX XXXX, XXXX, and Equifax violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and Equifax. I am also in the process of filing a complaint with the XXXX  Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at XXXX, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.
Consumer complaint received 2021-11-11
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: Self Financial Inc. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with SELF / XXXX  XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to XXXX XXXX XXXX and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing Five times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I would like this account to be removed
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Revolution Financial Inc. (WI)

My sister made a transaction on XXXX of XXXX with Revolut service, I've tried to deposit my funds to my personal account on XX/XX/XXXX, but Revolut canceled my attempt and asked to proof my identity, so I did : I sent them my personal photo with holding my DL in hands, sent them revolut statement, SSN number, but it wasn't enough for them and Revolut decided to lock my account and freeze all my funds due to suspicious activity. 
after 14 days of reviewing my claim I contacted them again and they said that they can't do anything about and I have to file a claim at their corp website. 
I've done that as well. 
after 14 days no one called me either. 
I tried to contact Revolut online agent again but they locked my access to it and just didn't respond me back for 24 hrs already and counting ... ... ..
Consumer complaint received 2017-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX. I am writing a complaint against Experian. They will not investigate nor correct the problems that I requested over 30 days ago. 

The case number is XXXX. The last time I requested a review on this problem occurred Wednesday XXXX XXXX, XXXX at XXXX. I also called them in reference to this on XXXX XXXX, XXXX at XXXX pm. Unfortunately, the customer service investigator hung up on me and never review the case. My request to have the two below companies investigated and dropped from my credit report. 

The case number XXXX was about two problems that I feel need to be dropped. The first one was on XXXX XXXX XXXX. On XXXX XXXX, XXXX they tried to take me to court to collect a debt of {$770.00}. I sent in a rebuttal to this company telling them that I never had any dealings with you. Therefore, they are not my creditor. I also stated that they had no personal information on me in-order to stake a claim for money that I supposedly owed them. In return, they did n't come to court. Therefore, on XXXX XXXX, XXXX the case was dismissed. The docket number was XXXX. This case was submitted to the XXXX XXXX XXXX New Jersey XXXX XXXX - XXXX XXXX. It continues reporting on my credit report as money owed to them as of XXXX/XXXX/XXXX. 

Also, I requested that XXXX XXXX XXXX also be investigated because I never received any papers saying that I was late and owed them the amount of {$710.00}. This company is still reporting on my account as derogatory as of XXXX/XXXX/XXXX. I wanted Experian to investigate and possible give the appropriate findings on this account as well. 

Your consideration will be greatly appreciated. My phone numbers are XXXX or XXXX. My email is XXXXXXXXXXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (FL)

This happen on XXXX XXXX when I called chime concerning something else and the transaction was brought to my attention which was unauthorized before the call was started I let that representative know that the car was being recorded but the problem where it starts is that that representative did not put down the amount of charges that was set over the phone when they submitted that claim that claim only had 53 transactions and they told me 72 transactions over the phone the transactions was made with the same payment method.BUT TO fast forward the story XX/XX/21 they granted that IS WAS AN error THAT been made AND THAT dispute # XXXX {$230.00} and {$9.00} but THEY denied the the other claims WHAT HAS the same payment method as the ones they found error which is odd.disputes BELOW ARE still waiting to hear # XXXX = {$93.00} # XXXX = {$190.00} # XXXX = {$780.00} TOTAL AMOUNT = {$1000.00} IS WHAT IM STILL WAITING FOR TO BE GIVING BACK AFTERNOON IT BEEN TAKEN WITHOUT ME KNOWING. 

MY CLAIM WHAT'S PURPOSELY SABOTAGE AND WASN'T SET UP THE CORRECT WAY AS WE UNDERSTOOD IT WAS ON THE FIRST CALL SETTING THE FIRST CLAIM UP WHEN I WENT TO GO CHECK THAT CLAIM THAT WAS SET UP WITH US OVER THE PHONE IT DIDN'T MATCH WHAT WAS SAID THAT YOU MADE SURE TO NOT MAKE A MISTAKE ON BUT MADE IT ANYWAY SO I COULDN'T USE NO CHARGES FOR A NEW CLAIM .... BUT THAT THREE OTHER DISPUTES CLAIMS THEY MAKING ME WAIT 45 DAYS BEHIND THE ACTIONS UP AND REPRESENTATIVE WHO WASN'T TRUTHFUL OR HONEST ABOUT WHAT HE OR SHE WAS PUTTING DOWN ON PAPER TO SUBMIT TO THE DISPUTE TEAM WHICH I'M NOW SUFFERING BEHIND THAT ACTIONS OF THAT REPRESENTATIVE WHICH IS NOT FAIR I'M LATE ON BILLS BEHIND THIS ACTIONS OF THAT EMPLOYEE
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

I was informed that my business account at US Bank - XXXX - XXXX, OH XXXX was in the negative for - {$64.00} on XX/XX/2017. So on XX/XX/2017 I went into the branch bank and and deposited {$90.00} leaving my account in a positive {$26.00}. I then brought some groceries at the XXXX totaling {$16.00} leaving a positive deposit of {$10.00}. 
Later on that afternoon, I go on line and see that I received a {$36.00} overdraft fee making my account a negative - {$28.00}. Then one of the tellers from the US Bank branch office calls me to inform me that I am now a negative - {$28.00} and I will also get XXXX more {$36.00} overdraft fees totaling {$76.00} plus the negative - {$28.00} which comes to - {$100.00} for {$16.00} of groceries when I had a positive balance of {$26.00} to start with. 
I am filling this complaint against US Bank for unethical banking practices and fee gouging.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2021-10-14
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: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2018-07-26
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX XXXXI have a a unverified account from XXXX XXXX XXXX . I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim or any documentation for my review.
Consumer complaint received 2024-03-01
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing regarding accounts that are fraudulently, and inaccurately reporting on my credit report. I have disputed these accounts multiple times. I dont own a car loan or account with a company by the name ( XXXX XXXX XXXX  ) I also have proof of the XXXX XXXX XXXX XXXX  payment never being late ill include documents I. my complaint. XXXX XXXX  XXXX is also fraudulently reporting information. 
( XXXX XXXX ) stated that I have had any XXXX payments but it shows late on my report
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I was asked to provide a escrow cushion on my escrow account. Its not a new loan and I'm current on payment and not behind with property tax or insurance. I have been making payments and my loan was recalculated for increased property tax in XXXX of this year and now its increasing again for a cushion that I did not agree to or was told that after a year of payment I would have to give them a " loan '' called a cushion. I tried to say no but was told I have to pay them. The loan company is PPH LOAN SERVICES.
Consumer complaint received 2022-04-27
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: CITIBANK, N.A. (OH)

XXXX XXXXXXXX XXXX.

Macy's/DSND XXXX XXXX XXXX XXXXXXXX Is a incorrect inquiry 's on my report that should not be there because I did not try to authorize this account and would like them removed!
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc. (GA)

I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. They illegally put this collection on my account without proper notice ; nor did this company attempt to resolve this correctly. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.
Consumer complaint received 2020-11-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

Rocket mortgage charged me {$500.00} up front for an appraisal they insisted on before going forward with the loan process past the pre-approval. Once received and appraisal completed I was not satisfied with the appraisal and they refused to assist in getting corrections made to it that were incorrect and inconsistent. They strung me along from XXXX through XXXX asking for more document and updated documents almost daily. They requested complete access to my bank accounts. Underwriting took so long to process each document that the previous documents that were given to them would expire. This drug on so long my original appraisal expired and they sent the same appraiser out again for a new one even though I had requested they send another agency out. I spent hours amd hours gathering documents for this loan. In the end I was told after even making a date for closing that there was a lien on my property which I had to resolve- and I did through negotiations with the XXXX XXXX company to temporarily cancel theXX/XX/XXXXXXXX After that I was told that now my debt to income ratio was too high even though the were paying off all of my debt as a condition of the refinance. The only payment I would then have would have been my mortgage and the rental agreement on my XX/XX/XXXX which if added to the new mortgage payment would still been less that what I am shelling out in payments prior to the refinance. I was passed around between several people and asked repeatedly for documents I had already submitted. This process cost me time, money and more stress than was necessary all for the fake promise of an extraordinary interest rate. Also, the closing costs were extremely high for such a small loan. {$10000.00} for an XXXX loan- insane
Consumer complaint received 2020-09-04
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am very concerned the serious possibility that you have not followed permissible purpose provision ofa the Federal fcra. A credit account for you Capital One was place on my credit report XXXX, XXXX  and XXXX. The Act specify that you must document the reason for requesting my credit report and when in error remove acconts as well including inquiries. I am depending on Capital One to follow the statue : either provided documents that the law was followed by researching the matter at once or remove this offending accounts and inquiries as soon as possible yours truly XXXX XXXX
Consumer complaint received 2020-09-04
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. (LA)

Found the following fraudulent accounts on my credit profile : XXXX XXXX act # XXXX {$6900.00} XXXX XXXX act # XXXX {$7000.00} XXXX   XXXX {$3900.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$960.00} I've contacted the credit bureaus and the companies numerous times but the erroneous information remains. 
Please help
Consumer complaint received 2018-07-26
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: DISCOVER BANK (PA)

I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.