davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I have repeatedly requested a free copy of my credit report through XX/XX/XXXX from all three credit reporting agencies : XX/XX/XXXX, and Equifax. 

Equifax has repeatedly not provided me with a copy of my credit report, even though I have requested online, by mail, and phone through XX/XX/XXXXmost recently on XX/XX/2020. 

As you can see in the attached document from XX/XX/2020, Equifax states that they received my request for my free annaul credit report through XX/XX/XXXXhowever since their records indicate a free copy was sent within the past 12 months, they are demandeding payment to provide another copy of my credit report. 

It is my understanding that this is violation per the FTC : https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week Note they spelt my name wrong in the attached letter. It is XXXX XXXX
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

on XXXX I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (TN)

Been side banking with Current for over a year and on XXXX XXXX I got 5 unauthorized charges from a XXXX in XXXX Florida. I have nevered travel there. All transaction where back to baxk. They said itbwas done by a virtual card, I have my physical card with me. So some one transferred {$250.00} from my personal checking account through my bank to this account and they made the transactions of {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$10.00} at the XXXX in Florida. I am in a terrible financial situations now that is leading to take actions against me. I have contacted them over 15 times. Have not been able to talk to no one and ask them about resolving this matter. But 2 days before this happened I was notified by Current about was I in Florida and if known of fraudulently activities been done to this account. I told him no I wasn't aware and he hung up. This situation should have stopped before this all happened. There is no way of locking app, card or account.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
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. (CA)

I just recently spoke to a fraud representative at XXXX XXXX regarding this account that is re-appearing on my Experian Credit Report after being first removed from my Experian Credit Report back in 2017 by the name of XXXX. I informed XXXX that their company is re-reporting back on my credit report after being removed back in XXXX, 2017. XXXX asked me for my personal information. After giving him my personal information, XXXX was able to confirm that my information is mixed with someone else. He informed me that my name is a very common name and that could be the reason why its reporting on my credit report incorrectly. 
I am also including in my attachment that original ID Theft Police Report dated back in XXXX, 2017, which is when this account was originally deleted. 
Below is the fraudulent/mixed account that I would like to have permanently deleted : 1. XXXX XXXX XXXX - Account number - XXXX
Consumer complaint received 2020-06-02
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)

On XX/XX/XXXX i sent out a valid request to have these fraudulent accounts removed from my credit report with TransUnion. TransUnion has not removed the accounts. I have sent them more then enough evidence or supporting documents for them to remove the accounts.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I spoke with XXXX ( employee IS XXXX ) in case number XXXX on XX/XX/XXXX. I deposited {$1000.00} in my account when I had {$640.00} positive. My balance was over {$1700.00} when I went to bed. Today I woke up with my balance {$350.00} positive after I had a few payments taken out and I realized the bank took {$140.00} in overdraft fees, when my account was not negative when I deposited the money. I was told that was due to the deposit being made after XXXX etc but my mobile app, the ATM nowhere it said I had a negative balance. Then they explained to me that debits are taken before any credits, so if I have payments posted the payments will be taken out of the account first, then ( even if I have balance in the account!!! ) they assess how much money I had before any deposits. Its a very predatory calculation to do because it leads customers to think they have money in their account, but not according to the way Fifth Third posts the translations. I was told they wouldnt be able to reverse the {$140.00} in fees and Im here to ask for the love of God to get this back. Ive been working part time since our restaurant is shutdown and doing carry outs only and even though this {$140.00} may not seem a lot but its literally our weekly grocery. I dont know what else to do, its a total desperation.
Consumer complaint received 2020-12-02
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. (NY)

Meet New meeting Join a meeting The accounts listed above do not reflect any correct transactions Inbox XXXX XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX to me The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Nationstar Mortgage dba Mr. Cooper is claiming I owe lender paid expense balance of {$3600.00}. 

They can not provide a detailed listing of what the expense are for and I have disputed these charges multiple times. Are they violating Mortgage Servicer legal requirements by failing to provide requested information about the mortgage? 

I dispute the charges and they are referring me to a previous servicer. If Mr. Cooper is attempting to collect that debt they need to provide detailed information of the debt or remove this from the mortgage. 

Thank you,
Consumer complaint received 2019-03-10
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. (AZ)

I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.
Consumer complaint received 2019-03-10
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. (AZ)

I have student loan accounts on my credit reporting that I did not authorize. I have never applied for student loans due to the fact that I never attended college. This information is incorrect and does not belong to me. I have reason to believe that my personal information may have been compromised.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I drove to my local XXXX XXXX XXXX in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact Equifax to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an XXXX  employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to XXXX to ask that this inquiry be removed! However, it seems to be more difficult than I expect.
Consumer complaint received 2019-03-10
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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc. (CA)

I received a letter from Diversified Consultants dated XX/XX/19 regarding a {$680.00} bill from XXXX XXXX XXXX. I called Diversified on XX/XX/19 to let them know I do not believe I owed this debt. I changed wireless plan from XXXX XXXX XXXX to XXXX and I was informed by XXXX that they would take care of the switch and pay any existing balance on our phone so I was not aware of this outstanding debt. The letter from Diversified stated to reach out within 30 days which I did. Upon learning XXXX did not complete the process and payment was not sent to XXXX XXXX XXXX, I called Diversified back on XX/XX/19 to make full payment. I paid the full amount on this day ; however, I also learned that Diversified had reported this delinquent collection to my credit report. According to Diversified, they made the report to the credit bureaus on XX/XX/19. This was after I spoke with them on XX/XX/19 letting them know I did not believe I owed the bill and would be getting back to them. I asked them to remove this report to the credit bureaus and I was told that I did not dispute the bill when in fact I did call, and they acknowledged, on XX/XX/19 letting them know I did not believe I owed the bill and needed to investigate. Their response was that I did not specifically say I was disputing the bill. I'm not sure how much more clearer my words were when I said I did not believe I owed this bill. Their report was in violation of their own letter and I believe in violation of fair credit reporting act. I am in the process of shopping for mortgage refinance and this greatly affected my credit score and now unable to get good rates for my home refinance. I am also trying to obtain financing for a business venture but again, this will not take place because of this negative report.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Consumer complaint received 2020-09-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (NC)

Recently, Deville Asset Management placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. Deville has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

Hello I am a customer with U.S Bank almost one year with the same problem with adding my VISA Debt Card to XXXX XXXX I called visa and they said I need to call my issuer about this problem and they will NOT treat me fairly as a customer to their institution ( US Bank ) I told them that Text messages ( also known as SMS, short message service ) and email are both safe, .Which is XXXX i use and there encryption for XXXX is 256 bit encryption and the site clearly stats Information you send or get through the site is private and it uses HTTPS ( HyperText Transport Protocol Secure ) and the message for the codes to activate debt or credit cards are secure here are examples what it looks like from a users PC OR XXXX or XXXX or XXXX FIRST STEP https : XXXX XXXX XXXX : The code to verify Virtual Card The verification code to activate your virtual card in is XXXX, for debt card ending in XXXX. 
Please note that this code is temporary and will expire in 10 minutes. If you try entering the code and it has expired, you'll need to request a new one in  _____________________________________________________________________ Second Step Confirmation : Virtual Card Added to XXXX XXXX ( R ) Hi, XXXX, start using your new virtual card in XXXX XXXX ( R ) We're letting you know that the credit card ending in XXXX has been added to XXXX XXXX by you ( or a joint account holder or an authorized user ) on the device with phone number ending in XXXX. 
You now have a virtual card ending in XXXX that's associated only with XXXX XXXX. This virtual card is connected to the credit card ending in XXXX but has a unique number separate from the physical credit card.
Consumer complaint received 2018-07-26
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 — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA