davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

In Claim XXXX - XXXX XXXX XXXX took over for XXXX XXXX. 

XXXX XXXX falsified to consumer finance protection bureau that I did not make my three trial payments in XXXX, XXXX, and XXXX. 

She still does not address the underlying facts because the facts are not on their side.
Consumer complaint received 2022-01-11
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: AMERICAN EXPRESS COMPANY (NY)

Hello to whom it may concern, I am reaching out in regards to fraudulent inquiries on my credit report. I have contacted both the creditor, XXXX and customer service would not take care of the issue. 
The Inquiries listed were : American Express ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXXXXXX ( Bank ) XX/XX/2021 American Express ( Bank ) XX/XX/2021 2021
Consumer complaint received 2022-01-11
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. (OH)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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 ( XXXX ) XXXX. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
XXXXXXXX XXXX  XXXX # XXXX : This account is listed wrong and error please delete. 
XXXX. XXXXXXXX XXXX XXXX  # XXXX : THis account is not listed properly error please delete. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX : This account was discharged and listed improperly please delete.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (CA)

I have reached out to the team at Vitalchek to procure a certified copy of my birth certificate. I supplied them with the requested Driver 's License documentation in order to process my request. 

I placed the order using the name that matches the name on my Driver 's License and the name that matches the credit card that was used to place the birth certificate request. 

Since then, I have been bombarded with non-stop interrogations by Vitalchek 's Customer Service team regarding a name variation on my birth certificate. 

The name that I currently use is the same name that I have used from elementary school through college. The name that I currently use is consistent with the name that is on my social security transcript and consistent with my passport identification. 

Vitalchek should not be used as an extension of any local or state agency 's records processing team -- Their order processing team is dismissive and abusive to the public, at large.
Consumer complaint received 2022-07-20
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: WELLS FARGO & COMPANY (IA)

In XXXX of XXXX, I received an alert that my Wells Fargo credit card payment was late. This was an alert from one of the credit reporting bureaus, and not an alert from Wells Fargo. Apparently, they thought it was more appropriate to contact the credit bureau before contacting me directly... 

This alert came as a surprise to me, because I hadn't used my Wells Fargo credit card for about a year. I also hadn't been receiving statements, so I had no visibility of what was occurring with the account. 

I immediately reported the fraudulent charges to Wells Fargo. Somebody investigated and sent me a letter. The letter said that the fraudulent charges would be removed. 

In XXXX of XXXX, Wells Fargo reported me to the credit bureau again. Apparently, they lied when they said the charges would be removed. 

I paid off the account at that time, to prevent further damage to my credit report. I had no idea the amount of the balance. I made my best guess, and apparently I overpaid a little. 

Fast forward to XXXX of XXXX. After many contacts with Wells Fargo, I finally get a complete copy of my credit card statements. But, they still have not refunded the fraudulent charges. 

I carefully reviewed the statements, and I was able to determine that all of the charges on the account were not made by me -- they were fraudulent charges. I submitted yet another claim, but this time I was able to provide details from the statement. 

And after many more contacts initiated by me, I've been thoroughly ignored.
Consumer complaint received 2022-08-01
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)

I sent letters explaining it was inaccurate information on my credit reporting In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX found that XXXX XXXX  Account # XXXX was inaccurate and removed the accout. Transunion and XXXX is still reporting the account which is in violation of my rights.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest XXXXXXXX XXXX location . The person at XXXX XXXX told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. Six weeks later, I notice that my bank, USAA, took the {$500.00} back out ( XX/XX/XXXX. ) I called USAA on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from XXXXXXXX XXXX  stating that no error had occurred. I asked my bank, USAA, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX I have yet to hear back from my local PD. On XX/XX/XXXX I called USAA again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called USAA again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next 1-2 days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from USAA so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back. On XX/XX/XXXX I called XXXXXXXX XXXX again and they stated that to obtain video footage of this transaction as proof that I didn't receive my funds, USAA would be required to request a copy of said video. At that time, I called USAA and informed them that USAA would need to submit a request for a copy of the video footage. I was then informed that they would make a note of this and that I would hear back within XXXX hours. As of XX/XX/XXXX, I hadn't heard anything from USAA and called them. XXXX, the individual responsible for my case, wasn't available so the agent on the phone took my information and said that I would hear back from her or her boss today. ( This was the second time I'd asked to speak to her supervisor about the information I had received, the information I was trying to provide and the way this situation had been handled by this bank. ) As of XXXX on XX/XX/XXXX, I still have not received any type of communication from XXXX or her supervisor.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1. Validate Account XXXX  XXXX  Account Number : XXXX 2. Validate Account XXXX XXXX  XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX  XXXX  Account Number : XXXX 4. Validate Account XXXX XXXX  Account Number : XXXX 5. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 6. Validate Account XXXX, XXXX Account Number : XXXX 7. Validate Account Account Number : XXXX 8. Validate Account XXXX XXXX  Account Number : XXXX 9. Validate Account XXXX XXXX Account Number : XXXX 10. Validate Account Account Number : XXXX 11. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX 12. Validate Account XXXX XXXX XXXX Account Number : XXXX 13. Validate Account XXXX XXXX Account Number : XXXX 14. Validate Account Account Number : XXXX 15. Validate Account XXXX XXXX Account Number : XXXX 16. Validate Account XXXX XXXX Account Number : XXXX 17. Validate Account Account Number : XXXX 18. Validate Account XXXX  XXXX  Account Number : XXXX 19. Validate Account XXXX XXXX  XXXX Account Number : XXXX 20. Validate Account XXXX XXXX Account Number : XXXX 21. Validate Account XXXX  XXXX XXXX XXXX  Account Number : XXXX 22. Validate Account XXXX XXXX Account Number : XXXX 23. Validate Account XXXX XXXX  Account Number : XXXX 24. Validate Account XXXX, XXXX Account Number : XXXX 25. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-05
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. (LA)

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. 

At the time the account was established in XXXX and XXXX I was only XXXX XXXX XXXX and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.
Consumer complaint received 2022-01-11
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I didn't receive any alert. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and stopping me from buying my dream home. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Here 's a list of the fraudulent inquiries : XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Credit on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo was attempted to collect a auto debt that originated from my social security card in a consumer credit transaction with XXXX XXXX XXXX. XX/XX/XXXX I sent Wells Fargo Auto a cease and desist, Affidavit of truth and a invoice for civil remedy. Since then Wells Fargo auto has continued to communicate with via an invalidated debt on my consumer report. My affidavit that I sent to them on XX/XX/XXXX went unrebutted for more than 30 days. 

On XX/XX/XXXX Wells Fargo Auto contracted XXXX XXXX XXXX to illegally reposes my XXXX XXXX XXXX even though they have not rebutted my affidavit and I do not owe them anything. I contacted XXXX XXXX XXXX and told them I have a cease and desist against Wells Fargo Auto and my vehicle was illegally repossessed, I demanded they return my stolen property and they said they acted on orders from Wells Fargo Auto and the only way they could release the vehicle to me is with consent of Wells Fargo Auto. 

Wells Fargo Auto executive department has since not returned my calls and they have not given me any information to retrieve my stolen property.
Consumer complaint received 2022-01-11
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: Green & Sons Agency, Inc. (WY)

A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with Outsource Receivables Management. Outsource Receivables management finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

XXXX is still reporting even after a dispute and after Outsource Receivables Management has sent them a paid in full balance.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Steel River Systems, LLC (LA)

This debt collector Steel River Systems , LLC threatening me constantly. I sent them a cease and desist, which they confirm they have received but have completely disregard it and continue calling and emailing me. They are only to send physical mail, and that's once this alleged account debt has been zeroed out. It needs to stop. I do not now, nor have I ever owed them any money. The have violated numerous rights. I am filing this complaint before escalating this to small claim court where I will in fact sue them for defamation of character! I have attached the last email where they admit, they received my cease and desist. I also asked for the following information which they did not provide. 

Please provide the following information 1. Name and address 2. Name on file of alleged debtor 3. Alleged account # 4. Address on file for alleged debtor 5. Alleged account # 6. Amount of alleged debt 7. Dates ( this alleged debt became payable ) 8. Date of original charges or delinquency 9. Was this debt assigned to a debt collector or purchased?

10. Amount paid if debt was purchased?

11. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grants Accelerated Steel River System the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. 
- All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Steel River System in case legal action becomes necessary : Authorized Signatures of Creditor : _________________Date : ___
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CO)

I have a charge off listed on my account that was a prepaid account. i deposited money and when the money ran out i couldn't use it until i reloaded the card. This can not be reported as a charge off because of what type of card it was. There was nothing that was owed. I've tried removing it and speaking to them about having it removed but have nto gotten the results i need. Please assist me anyway that you can. Thanks.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I wrote a personal check for {$50.00} to a relative for a birthday gift. The birthday card and check were sent via USPS mail was stolen somewhere in IL - as the intended recipient was in CA. 
I have reached out to Chase to dispute this about 38 days after the check was posted against my account. This check was washed, had a forged signature and new amount of {$490.00}. It was chased in person by a non Chase account holder at a Chase branch where no signatures were checked. The Chase Bank also received a fee for cashing this for a non account holder. I feel that they participated in fraud by not checking signatures. 
I have went to the XXXX police department and filed a complaint. They investigated and determined that a fraudulent ID was used to cash this check. 
Chase was unable to assist the police department with any video of the transaction, stating that they do not keep videos for more than 30 days.
Consumer complaint received 2022-03-08
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-15
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. (VA)

I submitted a dispute for XXXXXXXX XXXX XXXXXXXX XXXX to be remove from my report on XX/XX/XXXX on XX/XX/XXXX the report came back as Accurate. However I have no knowledge of this account and I feel this is fraudulent. I feel as though Equifax didnt do a thorough investigation because this account does not belong to me and I would like for it to be removed immediately as it has cause detrimental impact to my credit report. there is no contract or any agreement between this company and myself. Also Equifax XXXX XXXX reported an on time payment that has not XXXX updated to my credit report.