davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (IN)

I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I am the victim of erroneous credit scoring by Equifax Credit Bureau and none of the options on this site refers to it as it refers to my student loan servicer, who is reporting correctly to the three credit bureaus. 
My student loans are listed as 9 different payments by my loan servicer on my credit reports. On XX/XX/2020, Equifax Credit Bureau lowered my credit score by 50 POINTS due to my student loan balance had DECREASED and the fact that my payments have been deferred due to the current ( natural disaster ) Covid-19 pandemic. It is my understanding that this should NOT affect my credit score during this time of natural disaster as a low credit score prevents me from receiving assistance during this time that depends me having a credit score of 620 or better.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

XXXX 2015 received credit card statement from Macy 's. Balance was {$110.00} and I paid it in full with a XXXX XXXX check. When I again received my statement in XX/XX/XXXX it showed a non payment and interest and fee attached. I checked my XXXX XXXX Statement and check was cashed XXXX XXXX electronically by Macy 's. I faxed my bank statement to payment research a department I believe is with Department Stores National Bank. XX/XX/XXXX and XX/XX/XXXX statements have still not been corrected to a XXXX balance on my account. I went to XXXX XXXX for assistance and was told they could not provide me with the transaction number because it had been to many weeks and they were not able to retrieve it.
Consumer complaint received 2022-09-10
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: LEXISNEXIS (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

Was with OCWEN NOW PHH. 
My town added a one time betterment charge of {$1400.00} to XX/XX/2019 tax bill. 
PHH raised my escrow from {$480.00} to {$880.00} per month. I paid until {$1400.00} was repaid and went back to original amount. 
PHH PUTS ME ON HOLD AND THEN HANGS UP OVER AND OVER. 
Act # XXXX
Consumer complaint received 2022-09-12
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

XXXX  is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to XXXX  XXXX XXXX and XXXX  and XXXX   is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Cash app has closed my account due to fraud & violations after I reported the fraud to them. However they are now saying that I authorized the very fraud that took place on my account. I am looking to take legal action if funds are not returned. My cash app name was changed & over {$10000.00} was immediately transferred with no fraud alerts. They are claiming the fraud to shut down the account that was compromised, but refuse to return any stolen funds from what I reported.
Consumer complaint received 2022-08-11
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. (FL)

Account # XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX 15 USC 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 account without my instruction 15 USC 1681 Section 602 A States i have the right to privacy
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I have disputed this debt numerous times. I sent I.C. System a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute I.C. System has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to I.C. System : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Consumer complaint received 2021-09-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2005 with an amount of {$550000.00}
Consumer complaint received 2018-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

In XXXX I started the process of a HELOC application with BBVA Compass Bank after recently moving. From the beginning of the application process I provided everything to them and all within a timely manner. The application was mishandled by the banker who took my information and did not gather all the correct information. He strictly took the details available to him and generated the application. Upon complaints of processing taking so long I was finally told that he had done this wrong and my account was the handed to a new relationship person based out of XXXX. She was friendly but continued to ask for duplicate information and I thought we had everything resolved. Finally I got an email that said that additional information provided was not sufficient and that I needed something further. Upon providing this to them earlier this week I am now being told that my application has been declined for insufficient information - even without this review. It is astounding to me that a bank would treat someone like this. I have referred several friends to BBVA based on having an earlier account with them but now am faced with the choice of restarting the application. I will re-start the process but it will now be with another institution as they have lost all my trust.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (FL)

1. We are a licensed Money Transmitter in the state of FL. 

2. We deposited checks at our BB & T account in XX/XX/ in the amount of XXXX XXXX. Each of these checks has : a. fingerprint of the original owner of the check ( person we negotiate the check from ) b. FL unexpired driver license number of the original owner. 

4. The bank sent us certified letter dated XX/XX/ ; postmarked XX/XX/, that we received on XX/XX/. 

5. The letter states that our account will be closed in 10 days. 

6. As we tried to removed the funds from the account, we realized that the bank placed a hold on the account, scheduled to be released on XX/XX/. 

7. When we contacted the bank on or about XX/XX/, the account was already closed and the bank has since refuse to give us our work-like-a-slave-made money. 

8. At the time of closure, the balance in the account was {$13000.00}. 

8. Since everyone knows that this nation has a history of stealing what is NOT theirs : as they have done to the indigenous people after SLAUGHTERING them and to the poor XXXX people from XXXX and subsequently sent their descendants to jail, they are trying to steal our work-like-a-slave-made money. 

9. The only way they will be successful in doing so, would be to kill us, just like they have killed the XXXX to steal their land and technologies. 

10. Since the bank has attempted to steal our work-like-a-slave-made money, we have NO intention to go any where near any of this bank branches. 

11. We just need our work-like-a-slave-made MONEY, period. Otherwise, come and kill us so that you can steal it. 

12. These people have grown up with crimes in their blood. It is NOT easy for them to stop being criminals. They are the TRUE terrorists.
Consumer complaint received 2022-09-10
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XX/XX/2020 XXXX CO XX/XX/2020
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I wire {$1000.00} to a person with his current Phone number XXXX XXXX XXXX XXXX named XXXX XXXX. He saw the text sent by XXXX but he does not have an account with Bank of America nor used digital transaction. I asked the Bank of America and XXXX to reverse the money back to my account but refused saying it will take 10-45 business days to complete the transaction. The money came out of my XXXX  account ( XXXX XXXX XXXX XXXX, XXXX  ) and at present time I am closed due to pandemic COVI 19. No revenue coming in to the business. That long delay will course other obligations that I need to do be put aside causing me late fees. 

This the transaction details from the Business Bank of America site. 
XX/XX/2020 Completed Outgoing Transfer Business XXXX   Chk - XXXX XXXX  - mobile {$1000.00} Actions Transfer date : XX/XX/2020 Confirmation number : XXXX
Consumer complaint received 2020-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

The total loan is {$5500.00}, we got it on XXXX, 2019, and XXXX we sing documents they said the interest rate should be some %, but we notified after 6 months doing payments of {$400.00}, each month, that the principal amount of the loan paid is only {$1700.00}, that means in 6 months we paid {$1100.00} in interest, I feel it is very high interest charge, if you guys can help to verify if this company are doing this high interest charge under the law
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XX/XX/2020 XXXX CO XX/XX/2020
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (WI)

I previously had XXXX car insurance and when switching to another company I contacted them and asked for my final payment to close the account in good standing. I paid the amount that I was told through auto debit through my credit card. 

Upon looking at my most recent credit report it is showing that I have a {$64.00} balance that is now in collections. This is an error and I would like the account to be removed as the account was in good standing when I closed it, but now it's seriously affecting my credit score.
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CU Recovery, Inc. (CA)

In XX/XX/2018 I started to get repeated phone calls in such a short period of time from the same number registered out of XXXX, Minnesota. Many times, the calls would total 4 in a 15 minute period. I figured it was a telemarketer. Throughout the month and into XX/XX/XXXX, the same pattern every other day. Soon after, the messages where asking to call back the number and ask for XXXX XXXX ( aliases ). Last week, I return to my office from lunch and there are repeated messages from the operator via the messaging center alerting me that a XXXX XXXX is attempting to call you and has called several times, " please advise ''. I call the number left and asked who are you and why do you keep calling. He stated " I will ask the questions and let 's start by your last four of social security. I said don't ever call here again. He laughed and said " grow up ''. He then hung up and called back.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAM National Arbitration and Mediation (CA)

Receiving numerous voicemail threats that company will come to my home or my employer to serve me with papers and is going to to contact my employer and failure to be home between XXXX would be considered a refusal of service and lawsuit would continue without me. Also that they would pursue legal action against me. Did not state name of company. However, he did state his name, XXXX XXXX. He called from private numbers but left a number on several voicemails, ( XXXX ) XXXX. No one came to my home and no one came to my employer.
Consumer complaint received 2023-02-07
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. (HI)

First & Foremost I Would Like To Thank You In Advance For All You Guys Do To Help Consumers. I Will Be Your Biggest Advocate & Champion To Keep You Guys Strong & Going Have Even more Power To Flex At The Corporations Etc That Need To Be Checked From Time To Time & Always Have The Power To Protect The Consumer To The Highest Degree. I Look Forward To My Issue Being Resolved & Quickly. Sincerely XXXX XXXX XXXX May You All At The CFPB Be Blessed & XXXX From XXXX. 

In Accordance With The Fair Credit Reporting Act. The List Of Accounts Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to consumer to any consumer Reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX Case # XXXX Records