davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Greetings CFPB! 

I have recently filed a complaint with *TransUnion XXXX XXXX XXXX Inaccurate and questionable information reporting on my credit file. I received a response from *TransUnion* applying that I had or have a " properly authorized third party '' Speaking upon my behalf~ Which really blows me. I have taken ALL the proper measures to work and clear up my credit line~ Attending courses doing proper research etc ... Understanding that my family & I future can be at stake when you have major mistakes & inaccurate information reporting against YOU. I would like to share this~ I am more than capable of disputing and handling my credit file ... To clear matters there is absolutely " NO '' third party or credit repair agency speaking on my behalf. I have attached a copy of my hand written letter along with a copy of my credit report/identification/ TransUnion Response. I am requesting my credit report be updated & any *INACCURATE* Information be *REMOVED*
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter XXXX XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts be removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per Miller v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law. 

Update : XX/XX/2022 Equifax still did not remove the accounts in question. I was a victim of the Equifax data breach and EQUIFAX is responsible for the fraudulent accounts in question. EQUIFAX has a personal statement on the report indicating that I was a victim of EQUIFAX 's data breach. EQUIFAX refuses to remove the accounts in question. as a result I was not able to obtain new credit and the credit score declined from XXXX to XXXX on XX/XX/2022. The score then went up to XXXX on XX/XX/2022, more than 30 days after the permissible purpose letter ( attached ) was sent to Equifax. The score then goes down to XXXX on XX/XX/XXXX. This has injured me commercially and caused delays in obtaining new credit to purchase real estate. I will be filing an SF95 with the Department of Justice XXXX XXXX XXXX for the commercial injury and damages I have suffered along with a Federal Criminal and Civil Complaint for Conspiracy Against Rights and Deprivation of Rights Under XXXX of Law, Aggravated Identity Theft, and Violation of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

Back in XX/XX/XXXX I reported fraud to Navy federal credit union and my account was closed as result of it. I filed a police report, and I was able to get the charges resolved and everything stationed. Back in XXXX I have try to reopen my Navy checking account as my family members use this bank and my brother is in the Navy himself and I want my checking account back. i have tried to work with them as I send them emails, phone calls and mail notices, that I want my account back as it was due to fraud when it was XXXX back in XXXX. I have attached my inquires I have made with Navy via email as a screenshot attached. I hope to get this resolve and have a navy account back like my family members has.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

I purchased a vacation package in XXXX XXXX XXXX through XXXX travel agency on XX/XX/XXXX for {$1500.00}. Travel was to be from XX/XX/XXXX - XX/XX/XXXX. Due to Covid-19,  XXXX the resort property owner cancelled all reservations through XX/XX/XXXX and reimbursed the 3rd party travel agencies. I contacted XXXX 2 times via phone and multiple emails. The final response was, they would not reimburse my money even though the resort was closed and I did not cancel the reservation. 

I filed a dispute with Citi Card ( XXXX ) on XX/XX/XXXX, it is the only one on file in my account. They closed this dispute on XX/XX/XXXX for being over 6 months old and not having all of the documentation needed ( I was never told or requested to provide more documentation other than my initial statement for dates and charges ). On XX/XX/XXXX, I resubmitted via email with supporting documentation. On XX/XX/XXXX Citi denied my dispute again, this time in favor of the merchant because the merchant refused the dispute and the refund. Citi told me they have no authority to pullback funds from the merchant. I tried to dispute this reason for denial with the Citi Dispute center as under Visa Charge-back policy VCR 13.1, they do have that ability. I was hung up on by the service agent. 

I am trying to get my money back for a worldwide pandemic I had no control over and a cancellation and resort shutdown I had no action in. Citi is just washing their hands of this even though I did not receive the services I purchased. Citi has all supporting documentation.
Consumer complaint received 2018-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I contacted the loan servicer Loan Care in XX/XX/2018, to inform them I was recently laid off. Even though I was not and have never been behind with my payments I was referred to loss mitigation. The agent told me I would have to submit a package to loss mitigation. I submitted it and was approved for a 12 month forebearance. I was told my mortgage would be {$390.00} for 12 months then I would be expected to pay the difference in my reduced rate to bring escrow account current which would be about {$12000.00}. They sent me a packet, I read over it and called back to let them know I would not do anything like that because it would put me in a bad situation and cause me to lose my home. They asked me to submit a request to deny forebearance. I faxed over my request on XX/XX/2018 to stop forebearance. My payments were paid in full monthly. Today I went online to pay my mortgage only to find they have set me up on a repayment plan without my authorization. I talked to XXXX and team manager XXXX today and asked them who authorized forebearance? They couldnt tell me. The website stated I owe {$170.00}, but my statement sent via USPS said I owe {$1500.00}. I told XXXX I needed clarification as to who authorized forebearance and what is happening to the monthly payment we are sending? He couldnt explain. I further explained to him I wanted answers quickly. Because they have sent me letters alluding to foreclosure even though we have never been late. Please assist.
Consumer complaint received 2018-08-28
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. (OH)

I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I observed on my XXXX XXXX XXXX report that there were account in my name opened at Bank of America. I am asking Bank of America to remove this account from my XXXX reports and purge my information from their system as this account do not belong to me. I also called their customer service number and advised them about this as well.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : EQUIFAX XXXX XXXX, XXXX XXXX  ( DUPLICATE ACCOUNT ) XXXX. 

XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (TX)

I found out my minor child have a credit report with this company and they fail to give me her credit report they sent to me a stall letter and i am requesting these items to be removed from my daughter profile and frozen and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my minor child as well i am including my license the mother my child birth certificate as well WITH MY RECENT BILL
Consumer complaint received 2018-08-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

I Purchased Furniture from XXXX XXXX XXXX XXXX, Financed thru ACIMA, Credit, and Statement had different Name for Furniture Store Purchased XX/XX/XXXX. LAST payment was XX/XX/XXXX, and Cleared thru my Bank XX/XX/XXXX, I Requested A Paid in Full Reciept, By Mail and Email, Today is XX/XX/XXXX, and I have not Received my PAID IN FULL, EVEN though I had to Pay Taxes on Every Installment payment, for my Account
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (CA)

I was trying to refinance my property so I consolidate my bills. Lending Club is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. Lending Club automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.
Consumer complaint received 2018-08-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

I applied thru Quicken Loans/ Rocket Mortgage to refinance my conventional loan with a VA Home Loan . Rocket Mortgage said the VA would not let me use my SSD as income because I have a Designated Payee. My VA XXXX does not have a Designated Payee, it is directly deposited into my checking account.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

I have been a loyal Chase customer with not only banking, but multiple credit cards. I have always made my payments on time and have not asked for financial assistance during these COVID times. I also make bigger payments toward my balances at times to bring my available credit up to help my debit ratio. I am very disturbed to see my credit limits DECREASED after making on time payments on my accounts. I assume reason is that balances are too high compared to loan amounts and/or balance on bank cards are too high which is contradicting, as when I make payments, I am doing that to lower my balance and open my available credit to help my credit score. Now my decreasing my available credit, this is hurting me and doing exactly what you are lowering my score for. I am getting penalized for using my credit cards when needed, even though I make my payments. I will never win or get my score up If you are lowing my available credit. I have been a loyal customer with no late payments and continue to pay my cards, I am not a threat or risk of defaulting and do not deserve for my credit limits to be decreased especially when I am making payments to increased my credit score, not lower it which is what this will now do. I kindly ask Chase increased my credit limit back to what I was initially given and not penalize me for using my cards when I need to with the credit limits given initially. I do not feel this is right that they are lowing my credit limits due to balances being to high to credit limit, yet by lowing my limits, I am worse off now then I was prior to them lowing them for credit purposes. this is not right.
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, VA XXXX RE : SSN : XXXX To Whom It May Concern : This letter is regarding account a Collection, under my social security number : XXXX which you claim I owe {$400.00} on behalf of Synchrony Bank. This is a formal letter that your claim is disputed. 
More specifically, I am referencing the fact that you are reporting the following : No account number given. What account number are you referring? How did you arrive at amount owed? Furthermore, what date was the account closed? What date did this account go into default? What is the date of last activity? The above information pertaining to this account in inaccurate and highly damaging to my credit score. Please remove immediately. 
I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( Including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( Including but not limited to Section 623-b ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election or waiver of status. 
Page 2 of 2 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2022-07-21
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: LEXISNEXIS (NY)

When I applied for auto insurance renewal, my auto policy quote is coming higher than the normal average amount. So my insurance company XXXX  told me that lexis nexis is reporting that in XXXX of XXXX there was a record of an unauthorized driver on my license. I am the only one that drives my car. This is absolutely wrong and fradulent. This is causing problems for me to can a decent auto insurance quote. I bought my car in XXXX the XXXX  XXXX  XXXX. Prior to that I had a XXXX XXXX. I have had no problems on my license, however lexis nexus is reporting wrong. I need help.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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 account be removed immediately. 

XXXX XXXX Please provide me with the Consumer Contract with my Signature on it. 
Thank you for your prompt assistance in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2XXXX XXXX
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (VA)

I am a new prepaid debit card user and I bought a netSpend card at XXXX to use for convenience. I think I might have inputted a wrong social security number or password when signing up for my online account, so when I went to access my account I could not. I tried using the link to reset the password and could not get it to send me a reset link. I then called the number on the card and there were only two options, if you lost your card, or everything else, but that required my social security number and because I must have hit a wrong number when setting up the account, it would not let me in from XXXX when I got it, until today XX/XX/XXXX. I tried it multiple times over a month, so I threw the card out and basically lost {$20.00}. 

My Dad saw the card in the trash and asked me about it and emailed the company that basically told him that we could use the prompt for lost card and get a live agent. When we finally were able to access the account, there was fee on XX/XX/18, Debit : Account Maintenance Fee for {$5.00} on a card that only had {$20.00} on it. There might have been some notice of this fee, but I did not see it or realize that just having the card would cost me almost {$6.00} a month. They are taking almost 20 % fee just for having the card each month. That should not be allowed ... basically, the card is useless and they are preying on us younger kids who are not financially savvy or have the ability to get accounts at a bank due to low amounts of money or whatever. I feel this is a predatory practice on a population of low income, young and/or uneducated people that should be protected, and not taken advantage of. With my {$20.00} card, I would have {$2.00} left after 3 months if I DIDN'T EVEN USE the card.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX XXXXt : # 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 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

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