davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
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. (GA)

Transunion is reporting three late payments furnished by a creditor. In order to report this on my credit file, Transunion never properly investigated this information. Did they interview witnesses? I did not consent with either agency to share my personal information and they are breaking the law. 

In 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 furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-16
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. (CA)

According to the FCRA, 15 U.S.C. 1681 a 4 my right to privacy I do not want any negative items or collections on my credit report. This is my right.

15 U.S.C. 1681 a 2 states that I did not give any collector written instruction to allow them to report negative items to my credit report.

15 U.S.C. 1692 c ( a ) unlawful communication between collectors and credit bureaus.

Therefore according to the law, delete all collection accounts that are on my credit report.

Delete all late credit card payments Delete all hard inquiries.

If you do not abide by the law you will be sued.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (IA)

I have a credit card with penfed credit union based out of XXXX, XXXX. There were series a fraudulent transactions happened on my card on XX/XX/2022 in a span of few minutes gap. I immediately reported the issue and they issued credit for only one transaction and they denied the other two transactions. I have been following with them every day and asking them to investigate the issue as I have not used the card for the two transactions they charged. They refused to give any explanation on the charges and they reported the issue to credit bureaus. I request your kind attention to intervene and remediate the issue. Again, I have not used this card for any transactions. They want me to reopen the transactions as fraud and when I call them they are not responding to the calls. Its impacting my credit score. 

XXXX {$29.00} XXXX TX ; XXXX {$4500.00} ZTLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; These are the transactions that happened.
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX  Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX XXXX Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account : XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-02
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: I.C. System, Inc. (TX)

On XX/XX/23 & XX/XX/23, I formally requested verification of two said late payments from XXXX XXXX that are incorrectly reporting, & verification of alleged collections on my report from IC Systems, & XXXX XXXX. None of these 3 companies provided proof of late payments or proof of validation for alleged collections, nor did they send a follow up on their investigation for either request. Due to failure and compliance with my request for investigation, I demand for these items to be removed as I have been more than patient regarding investigation processes and times.
Consumer complaint received 2021-02-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is what they do to there customers over a disputed charge? XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

I started the process with Citi Mortgage on XX/XX/2021. At the time of this complaint, XX/XX/XXXX, I still have not finished the process of refinancing. 

The loan processing team and the underwriting team has a long queue time, with turnaround times usually around 2 to 4 weeks. 

However, they repeatedly denied my application over random documents. Each time, they file a " Notice of Incomplete Action Package ''. In total it was denied 6 times. 

The first time was in XX/XX/2021, second time was in XX/XX/2021, third time was in XX/XX/2021, forth time was in XX/XX/2021, fifth time in XX/XX/2021, XXXX time in XX/XX/2021, and XXXX time in XX/XX/2021. 

Each time the asks were mostly documents that I had already provided, but became outdated because of the long wait. Sometimes it was a document that I had already submitted, but for some reason they couldn't find it in the package. Sometimes it was a random inquiry on what my credit checks or financial transactions were, which is going to happen in a 6 months time span regardless. 

They took my {$860.00} fee that I paid in back in XX/XX/2021, and just never approved my loan. Me and my partner had over XXXX in annual income, and XXXX in liquid assets, and yet they could not approve a simple refinance. 

From what I heard, they were outsourcing their processing and underwriting team to XXXX. So I now have American information in a foreign country. I would have never signed up for this if I knew that the underwriting team was in a completely different country. How is there no privacy issues or identity theft issues when I sent all my sensitive documents to this company? 

If you are financing with Citi, stop and go to another company. They do not care about you, only about money. They will do whatever they can to abuse you. 

My Mortgage officer was XXXX XXXX XXXX, my Loan Processor was XXXX XXXX.
Consumer complaint received 2024-02-20
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, XXXX, Equifax Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? 
I have sent several letters to ( XXXX, XXXX, Equifax Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. 
If you have any questions please feel free to contact at the number listed above. 


Please review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal XXXX Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between XXXX, XXXX and Equifax it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus
Consumer complaint received 2022-06-16
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. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX : Reported : XX/XX/22. Amount : {$77.00} XXXX Account XXXX XXXX XXXX : Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX  XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 an account without my written authorization
Consumer complaint received 2024-02-20
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. (MI)

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 the 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 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 report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

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.
Consumer complaint received 2022-06-16
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: CrossCountry Mortgage LLC (NJ)

On XX/XX/2022 my fiancee and I inquired with Cross Country Mortgage about a mortgage and if we should get it under both of our names or just under her name. The agent on the phone, XXXX XXXX, asked about our credit scores and about our SSNs and we told him to not under any circumstances hard pull the credit. He agreed and confirmed it would only be a soft pull and it would not appear on our credit report/ would not influence our credit score and listed hard inquiries.

In the end, we decided that we will get the mortage under my fiancees name.

Despite this, a hard pull appeared on my credit report, which I made Cross Country aware of and asked them to correct it. I emailed Cross Country Mortgage to make them aware and they simply ignored it saying they did not pull my credit. 
Later, they even did a hard pull again around the date my fiancee was closing the mortgage ( XX/XX/2022 ) despite the fact that it was not even under my name. I emailed Cross Country Mortgage to provide an explanation and they only stated that they did not pull it. 
I called XXXX  and they removed the duplicate pull but XXXX  told me that they could not remove the other pull and that Cross Country Mortgage would have to file a dispute. 

I emailed Cross Country Mortgage to do this with no response at all.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Timothy E. Baxter & Associates, P.C. (MI)

I have reported this law office 2 times already. I have called them twice and told them I am not the person they are looking for. This person was married to my brother almost 30 years ago. She has NEVER lived with me or been at this phone number. I have told them this. I have not seen or heard from this women in 30 years. They stopped calling for a while after I filed the last complaint but today they started again. XX/XX/21.
Consumer complaint received 2024-02-20
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my Federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy and cording to 15 USC 1681e ( b ) they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reorting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I received a copy of my credit report and noticed some hard inquiries that I dont recognize. 

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 2022-06-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

This debt stems from an old deposit where I lived. When trying to reach a settlement the amount owed was not the original XXXX but XXXX due to interest charges on a collection. I think it should be illegal to charge interest on collection bills. Consumers are already struggling and don't need more debt on top of the debt.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting TransUnion for my credit information The inquiry caused my current XXXX Card to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through TransUnion. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC XXXX 

I now plan to freeze my credit through TransUnion and XXXX but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves. 

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report and noticed some hard Inquiries that I don't recognize. 

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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-16
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. (TN)

XXXX XXXX,2021. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the child support account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports.

In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.