davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (NV)

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 disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

This company never validated a signed contract or debt between me and their company. HIPPA guidelines and laws protects my info from being shared and for fronted without any release of information they arent authorized to have any of my information and for that I will take legal action and advise this company to removed all reports and cease and desist anything moving forward
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-07-25
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. (CA)

This is my third request for transunion to remove fraudulent inquiries on my credit report. The first fraudulent inquiry is TBOM/MILESTONE on XX/XX/2022. I called XXXX and was informed they they had requested Transunion remove that inquiry but Transunion has not. The next fraudulent inquiry is XXXX XXXX on XX/XX/2022. This inquiry was not requested or authorized. I called the financial department of XXXX XXXX and was told that it was a mistake but they couldn't remove the inquiry a to report it as fraudulent. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished a account without my written instruction.
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-18
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. (FL)

I have 3 employers that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate. And one account that says chrge off that is not true.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (AZ)

XXXX I ordered XXXX and they installed their dish on my roof at my current address. 
( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX I cancelled XXXX. They sent a box to return their equipment in to my current address ( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX Franklin Collection Svcs Inc posted an unpaid debt on my credit report. 
They did this without notifying me first. 

Franklin Collection Svcs Inc XXXX is your case number with our company XXXX is the case number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX I contacted XXXX but they could not find any record of me. 

Franklin Collection Svcs was able obtain a statement. 

On this statement I noticed the service address is wrong. 
They have been sending statements to the wrong address. 
I have never received a statement from XXXX or XXXX XXXX XXXX showing a balance due. 

They should have sent the statement to the address where I live and where their equipment was installed. 

Franklin Collection Svcs Inc had my credit report witch shows my current address. 
They could have used my current address to contact me before posting ( without any prior warning ) an unpaid debt on my credit report. Instead they chose to start harassing me by ( without any prior warning ) posting an unpaid debt on my credit report. 

I work very hard to keep my credit score high, I would never miss a payment. 
Even with all the facts Franklin Collection Svcs Inc continues with the absolute worst form harassment by not removing this unpaid debt from my credit report. 

If XXXX wants the {$85.00} then they need to send a balance due to the service address where I live and where their equipment was installed. 

First email to Franklin Collection Svcs Inc Without giving me any advanced warning you added an unpaid debt to my credit report. 
This form of harassment has cussed me great harm. 
Your action has cost me far more than {$390.00} you are trying to collect. 
My XXXX score has dropped from XXXX to XXXX points. 
You have humiliated me, ruined my credit and embarrass me. 
XXXX has not provided me any reason for this unpaid debt. 
This harassment must stop. 
Remove the unpaid debt from my credit report immediately. 
From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX : Re : Information Requested Current Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-07-18
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. (TX)

in accordance with the Fair Credit reporting act XXXX Account # XXXX account # 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 consumer reporting agency can not furnish a coount without my written instructions
Consumer complaint received 2023-02-09
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXXXXXX XXXX  XXXX XXXX XXXX : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$14000.00}.
Consumer complaint received 2022-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I have an unauthorized hard inquiry that occurred without my permission on XX/XX/2022. I would need to know if this is a fraudulent issue. 

The inquiry was pulled from Bank of America - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( XXXX ) XXXX.
Consumer complaint received 2022-06-14
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)

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

I recently initiated a bill pay transaction on my Chase checking account it was on XXXX XXXX on XXXX XXXX I realized instead of sending the payment to capital one I sent it to credit one my mistake however I called the bank on the XXXX to do a stop payment and they refused to do it when I call credit one they tell me to do a stop payment or dispute the charge with my bank so now my {$50.00} is in limbo and no one will help I dont quite understand why Chase is not doing this for me especially since I notified them rather quickly the credit one account is closed so its a problem I just want my {$50.00} back
Consumer complaint received 2022-02-03
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. (OH)

I have been disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
Transunion credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

There is two current issues with this Homepoint financial mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt. This is predatory lending practice.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (TX)

My husband and I initially signed the timeshare agreement with XXXX XXXX on XX/XX/XXXX. The representatives had my husband and I sit down for 3 hours to sell us a travel club. Refusing every no that we told them, they kept coming at us with affordable options and bringing in their boss to ensure they made the deal. We were the last couple in there and we could feel them rushing us through the process because they wanted to go home. One of the tactics they used to convince us was that if we kept up with maintenance fees, we could let someone use the condo in our place to receive more points and that we could use our points with our friends and family. We initially only wanted the point system. We have never used or seen the condo at all since we purchased the timeshare. What hit home was when my husband passed away in XXXX. Our income is now less than it was before. When I contacted the resort to rid myself of this condo problem, I ended up being charged two monthly fees instead of one. I have sent many letters, emails, and phone calls explaining that since my husbands passing, my current financial circumstances are no longer enough for me to be able to keep this contract. Yet, they continue to be persistent in keeping me chained to them. I am disappointed in how cold-hearted this company is and how they have treated me. All I am asking for is for an amicable release from this contract to relieve me from this heartache once and for all. 

Them placing our account with Meridian Collections iterated that they do not value us. We have no interest in working with Meridian and need this matter resolved directly through the resort.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I sent a letter to Portfolio Recovery Asso, LLC to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (GA)

Date : XX/XX/XXXX To : To Whom it May Concern Consumer Financial Protection Bureau Subject : Requesting an update to my credit report In XX/XX/XXXX, my home loan with XXXXShellpoint Mortgage Company went into an 18-month forbearance. That forbearance ended on XX/XX/XXXX. In order to be proactive, I contacted my point of contact ( POC ) on XX/XX/XXXX as instructed to begin the deferral process. The POC submitted my request and I waited for a response. Waiting for a response took longer than we anticipated ; however the deferral was granted on XX/XX/XXXX. The problem for me began when I checked my credit score on XX/XX/XXXX and saw a SIGNIFICANT drop ( roughly XXXX points ) due to a payment being reported missed/30-59 days late. 

I spoke with a representative on XX/XX/XXXX and she stated that I missed a payment ( {$1200.00} ) in XX/XX/XXXX. I tried to explain my forbearance/deferral situation to no avail. After getting off the phone in frustration, I continued my investigation and remembered that due to the forbearance ending in XXXX, I made a payment in XXXX thinking that would keep me current. I spoke with another representative on XX/XX/XXXX between XXXX and XXXX and she advised me that my XXXX payment was applied to my XX/XX/XXXX statement instead of XX/XX/XXXX, leaving XXXX unpaid. The representative stated it was the delay in the approval of the deferment that caused this and suggested I write a complaint letter to open an investigation in order to have this corrected. 

My credit score and history is EXTREMLEY important to me and it was my belief that the forbearance/deferral process would not negatively affect my credit. I would like to request an update to my credit report due to the delay in my deferral process. Thank you for you attention to this matter.
Consumer complaint received 2022-02-03
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. (CA)

I received a call from XXXXXXXX XXXX on XX/XX/2022 to confirm that I applied for credit because I have a fraud alert on my credit report. I told them that I didn't and then I checked my XXXX ID Works activity by logging on to the website I logged into the website and saw that there are 5 inquiries in an attempt to obtain credit in my name : XX/XX/2022 - Transunion - XXXX XXXX XX/XX/2022- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are all fraudulent attempts to get credit in my name so I worked with an XXXX agent to try to get these inquiries removed and work with the credit companies to NOT issue credit. Now I need these hard inquiries removed. 

I also placed a freeze on all my credit reports to prevent further identity theft
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 I was at a local bar and was scammed by two patrons there. While my XXXX  was unlocked and I was checking the online banking app, I was intentionally distracted by one patron while the other was able to get my loose, unlocked phone. Phone was out of my possession for over 10 hours and there were two unauthorized XXXX transactions that occurred during that span for an amount up to {$1500.00}. 

I got my phone back from the bar the next day and reported the transactions as soon as I seen them. My online banking with wells fargo was turned off immediately although they denied my fraud claim for the transactions. They refuse to escalate the case and have not been helpful. I have NEVER asked for refunds for anything on the account and I feel like refund was denied just because the online banking app was open. My bank should support me during this hard time in my life were I was frauded. 

Wells fargo needs to take responsibility and understand that these things can happen and give me my money back.
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by XXXX XXXX XXXX XXXX XXXX loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX XXXX when trying to purchase a new home because of the inaccurate late payments. I called XXXX XXXX XXXX and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.
Consumer complaint received 2022-02-02
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. (MO)

On XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  mislead and pulled my XXXX  and transunion report without my consent, both reports have fraud alerts with my cellphone number attached no one from XXXX attempted to reach out to myself for the verification questions prior to the act. Upon calling XXXX customer service an citing the problem the agents also attempted to gain access to my credit report by asking for my Full social security number, XXXX XXXX XXXX XXXX was never given my full XXXX digit ssn and had their website set up in a deceitful manner leading consumers to believe this was a simple pre-qualification vs a hard pull. XXXXXXXX XXXX hire and train agents to practice daily deceptive and predatory loan practices steer clear of them.
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (NY)

XXXX XXXX XXXX Is reporting 8 inquiries that I have no knowledge of. I have noticed that within the week they are adding more inquires. I recently put in a complaint to XXXX XXXX about these inquiries but they are ignoring my request to delete the inquiries.