davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (GA)

n accordance with the Fair credit Reporting act 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 604 A Section 2 ; It also states a consumer reporting agency can not a account without my written instructions. 

Account name XXXX XXXX XXXX Account number XXXX Original balance {$24000.00} Past due amount {$4800.00} Date opened XXXX XXXX, XXXX Needs to be removed Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} Past due amount {$1000.00} Needs to be removed Account name XXXX XXXX XXXX  XXXX Account number XXXX Balance {$1700.00} Date opened XX/XX/XXXX Needs to be removed
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (CA)

I checked my credit using XXXX on XXXX. I noticed that my credit points dropped significantly. I then noticed that I have a new account opened, opened in XXXX. I have not opened any new accounts since before the pandemic. I noticed that XXXX dollars was charged. I called Target and I Talked to a team member on the Fraud department and she said that two charges were done on this new account : XX/XX/2022 for XXXX and XX/XX/2022 for XXXX. 
I did not open nor make these charges on the Target Credit Card that was recently opened on my credit.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

problem is with Chase Bank - I applied for XXXX XXXX loan on XX/XX/2020 - received a loan application reference number at that time - had not heard back from them in over a week - called several times to try to determine status - bank employees admit that they don't have the staff or the system in place to process or even track the loan applications in a timely fashion - the funds are running out and due to the chase bank 's incompetence they will not get our applications into the XXXX before the funds run out can you help?
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

On or about XXXX XX/XX/2021 I was contacted by telephone from Ally Auto and the representative told me her name was XXXX XXXX The rep began to ask me if I was who she called for and after verifying she was from Ally Auto I responded yes I am and she immediately began to divulge my debt including the amount, and the late payment status. I first asked her were there any recent notes because I spoke with another rep within the last two weeks and she advised me of a promise to pay note from XX/XX/2021. I stated I was very happy that I record these conversations because I explained numerous times that since XX/XX/2021 I suffered an on the job injury and between the Pandemic and the injury that my income is now reduced substantially. XXXX told me that there was no notes of that. I also explained to her and previous reps that Ally has not tried to work with me to make these payments more affordable. They have not tried. Now while XXXX continued to give me the information about my debt she failed to verify first who she was speaking with meaning if I was the actual debtee by verifying pertinent information for security which is required by Federal Law. Simply using the phone number as she said she did because " prior colleagues contacted me using the same phone number '' is not abiding by the rules of debt collection and financial security.
Consumer complaint received 2021-05-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the XXXX you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2021-05-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Equifax keep denying my complaint because of Identification issues. My full married name is XXXX XXXX XXXX which is my married name. The name on my file is showing my maiden name of XXXX XXXX XXXX. I have attached a copy of my current drivers license with my name and address please update your files. Once again I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and US BANKRUPTCY COURT-XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc. (HI)

I deposited money to crypto.com debit card, and upgraded the card to higher card. I had {$200.00} in the account and had a ledger showing the money was available. After the upgraded debit card was issued, my {$200.00} was gone along any trace of where the money went. I asked them to tell where my money went and there response was it was going to be transferred within two days. After two days no deposit or any accounting of my money with crypto.com
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (TN)

I XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (MD)

Contacted Loan Depot in XX/XX/XXXX and started the refi process. The process was long and communications were poor on their end. 
Just closed XX/XX/XXXX we were to get cash out of XXXX but instead of giving us the money they paid off the mortgage on another property we owned. This action was not in the disclosure and I asked them to fix it and they said it was too late. The Supervisor I was dealing with is XXXX XXXX XXXX. Not only was it not disclosed on the form the pages were barrier deep inside the paperwork and skipped over by the agent that came to the house. When we asked the agent when will we get the money he said after the waiting period we would receive the funds by check. After waiting a week and no check I called to find out where the money is they said the previous mortgage lender required it to be paid. They said you must of had a second mortgage and I said NO I DONT. Where is my money? WE will check into it and haven't heard a word since. 

My name is XXXX XXXX XXXX
Consumer complaint received 2020-07-28
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX   Company Inquiries : 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
Consumer complaint received 2022-03-29
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. (TX)

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX, 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 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-09-24
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-27
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. (OH)

I recently received a copy of my XXXX, Equifax, and XXXX credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXX XXXX  XXXX ( 6 Late payments ) XXXX  XXXX XXXX XXXXXXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, Equifax, and XXXX making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Consumer complaint received 2022-03-27
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: Social Finance, Inc. (GA)

My Sofi XXXX credit card was stolen on XXXX when my locker was broken into while I was at the gym. I was contacted by the Fraud Department through text of a possibly fraudulent transaction at XXXX for {$500.00}. I texted back that I had not made the charge, and I also called and reported the theft of my wallet. I was assured that the charge would not go through. The charge posted to my account on XX/XX/XXXX. I have called twice to try to resolve the issue, but as of XX/XX/2022 ; Sofi has still not removed the fraudulent charge from my account. I have written a letter to Sofi disputing this charge and included a copy of the police report number. Please help me resolve this dispute as I am supposed to be protected by the Fair Credit Billing Act, as well as XXXX Zero Liability Protection for fraudulent tranasctions.
Consumer complaint received 2022-09-22
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. (PA)

This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-29
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (CA)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-07-29
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. (MD)

Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX, XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXX, XXXX & XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

I filed XXXX  XXXX bankruptcy and was XXXX XX/XX/22. My car that was financed through XXXX XXXX was on there in the amount of {$15000.00}. I contacted them and was told its through the fault of Experian. I filed a dispute with Experian who contacted XXXX XXXX on XX/XX/22 who told Experian that I was delinquent in my payments. I contacted XXXX XXXX again, and they admitted speaking to Experian but says I need to take it up with Experian. Im not sure what steps I need to take to get this off my credit at this point. Please help.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TN)

My name is ( XXXX XXXX XXXX federally protected consumer, and I am making this complaint against ( ProCollect ) for committing identity theft. I have never given ( ProCollect ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( ProCollect ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( ProCollect ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( ProCollect ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( ProCollect ) continues its collection efforts, I will file for litigation for actual damages caused and ( ProCollect ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-27
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. (GA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-05-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (GA)

This is additional information supporting complaint XXXX. 

XXXX claimed last week that my account had been rectified, but the numbers are not adding up. Since XXXX assumed my account for servicing on XXXX XXXX, the following big picture transactions have occurred : - Payments = {$43000.00} - Draws = {$23000.00} - Interest = {$5000.00} ( XXXX & XXXX only, I paid XXXX prior to transfer ) - The balance that was transferred to XXXX was {>= $1,000,000} - My current balance as of XXXX XXXX should be {>= $1,000,000} - TIAAXXXX shows my current balance as {>= $1,000,000} - There is {$4100.00} missing from my account, which coincidentally is the same amount as my XXXX statement payment amount due for XXXX XXXX. 

I still do not have an XXXX or XXXX statement from XXXX. I have provided a complete transaction history from today, as well as my XXXX statement showing the payment amount for XXXX XXXX. The transaction history is difficult to decipher, but I believe I Identified the errors, and highlighted them in red. I provided this information to XXXX last week, and have heard only silence in response.