davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (NY)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Balance {$22000.00}, XXXX XXXX XXXX Balance {$1200.00}, XXXX XXXX XXXX Balance {$20000.00}
Consumer complaint received 2016-02-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV)

I found a deal on craigslist for a vehicle and and contacted the supposed seller. She ( or whoever ) sent me a text message asking for my email address so they could send me more info and pics on the vehicle. I did. She sent me info and a link to pics of the vehicle. She then told me she was in the military and that she needed to sell her vehicle asap. She said she was using XXXX as a third party so everything would be covered. I stayed in contact with her until I did the money gram and then she would n't reply to my emails. Also I got the invoice from XXXX and thats where the info to wire the money was at. I figured out it was a scam when I received an XXXX invoice for another vehicle but did n't have my name on it. It was being sold to another person. The address was the same for the seller but different names. Also I contacted XXXX and they have no record and do not sell vehicles, but I did report all the info on the names and supposed people invovled. My money was wire to XXXX state but picked up in another and I do n't understand that. I would love to get my money back but I know that wo n't happen but I would also like for this not to happen to someone else.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that Equifax do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! Equifax has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was told today by an apartment company that in my background there were two dismissed evictions. I was never informed of this before. They said it was from XXXX and XXXX. I continued to live at that apartment complex until XXXX of XXXX. I had been told by the real estate company XXXX XXXX XXXX XXXX in XXXX, PA ) that they had dropped everything and that wouldn't be showing on my record due to the nature of both of those situations. The one in XXXX I had been discriminated against at my current job and was suspended for three months for " aggressive pointing '' ; I have paperwork backing all this up along with a right to sue letter against my employer. The one in XXXX I had to have an emergency XXXX and was illegally docked by my employer ; I also have evidence backing this up too. I do not understand why these are coming up and when I called all the credit company that the apartment company went through ( TransUnion ) they stated they saw nothing on my record about dismissed evictions. I don't know who else to turn to since I am running out of options for places to live because I am currently fighting my current landlord about multiple violations and the health department is involved attempting to make him work on the house I am living in. But the conditions are extremely unsafe and without heat. Any assistance is appreciated. Thank you.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TX)

On or about XX/XX/XXXX I called Truist to change my payment date to the XXXX of each month. On or about XX/XX/XXXX one of my cards credit limit was reduced to 10 % of the previous amount. 

I have not missed any payments, however on XX/XX/XXXX both of my credit card accounts were closed. I would like my accounts reopened and my credit limits re-established.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc (TX)

I am making a complaint against chime. I have been trying to get a card from them for about 6 months now and have not received one yet. I have called them 6 times and everytime I have called they offered to send another card. I have provided them with my correct address and this last time they want additional proof that this is my address. I don't have any more proof to give them. I am fed up with trying to get a card from them and now they want more proof. What more proof do I need? This is my complaint. Thank you.
Consumer complaint received 2022-08-09
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. (MD)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX  ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX ; XXXX XXXX  Inquired on XXXX XXXX XXXX
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please see that these fraudulent accounts removed immediately from my credit file.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was informed by a creditor that Experian claims they do not have a valid phone number for me on XXXX XXXX. I placed a security fraud alert on my XXXX file on XX/XX/2018, with a valid phone number, and equivalent informed me they would inform the mother two credit bureaus, which did not happen. I am attempting to call Experian to update my phone number and there is no way to get a person on the phone. I have called 15 times, and there is no way to get a representative, only automated.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (GA)

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2019-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLIANT CREDIT UNION (NJ)

I opened a Alliant Credit Union account about a year ago. I used the account without issue, until one week in XX/XX/2018. My account was accessed without my knowledge, its to my understanding a transfer was made to my account to make my balance more, and then the balance was transferred to another account before the incoming transfer could fail. With that being said, someone used my account without my authorization, transferred funds, and when everything was settled was my account was negative. My issue here is, A. ) I did not transfer any funds, and I had a positive balance, with no issues regarding my account, and B. ) Alliant reported this account to XXXX, so now my credit is being effected by this issue even though this is a checking account, not a line of credit or loan.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

I became delinquent with my condo association dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
Consumer complaint received 2022-08-09
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical  XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-04-03
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX  XXXX Balance {$0.00}
Consumer complaint received 2023-04-03
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ {$720.00}.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have disputed items with all 3 Credit Bureaus over 2 years the still havent corrected it! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Ga. XXXX See attached XXXX
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MD)

I am in receipt of my XXXX credit report number : XXXX, dated XX/XX/XXXX, and I noticed Macy 's, ( XXXX XXXX XXXX, XXXX, OH, XXXX, ( XXXX ) XXXX ) placed an unspecified inquiry dated XXXX XXXX. I have existing accounts with Macy 's and did not request the following ; 1 ) open a new account 2 ) complete or request an application for a new account 3 ) place a request for an increase of line of credit on existing accounts. 
Therefore, under the FCRA Macy 's had no validate reason to place an hard inquiry on my consumer credit report and refused to delete said inquiry until XXXX. 
I believe Macy 's is engaging in XXXX profiling and intentionally using techniques designed to lower the credit scores of minorities. In XXXX, I filed and complaint with CFBP against Macy 's for failure to report my accounts with the XXXX credit bureaus which lowered my credit score. Macy 's intentionally placed an hard inquiry on my XXXX credit report as an retaliatory action in addition with the sole purpose lowering my credit score.
Consumer complaint received 2015-09-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

While in the car dealership purchasing a new vehicle, the salesperson brought a loan amount significantly cheaper than the amount of money financed on my paperwork. Before signing the paperwork, I made the salesperson and the finance department aware of the mistake in amount of money financed but the higher amount is still on my sales contract after they assured me that this was not the amount I was borrowing and repaying. I received a terrible interest rate and will be paying more than {$16000.00} in interest on this loan.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX I sent XXXX, Equifax, and XXXX letters highlighting accounts on my report marked as XXXX XXXX. I Informed the company in writing that an XXXX XXXX is an XXXX of indebtedness and a XXXX of indebtedness is income and that income can not be reported on my credit report. I have also in writing that having these accounts that's reporting income on my report are in violation of The Privacy Act of XXXX. For these violations I asked in writing for these accounts to be deleted. The List of accounts below are the ones that require action. 

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  Also these accounts are in violation of 12 CFR 1022 which violates 15 U.S.C. 1681ba ( 1 ) ( 2 ) No court has issued these accounts to be furnished on my report and also I never gave my written consent to furnish these accounts on my report.