davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (FL)

XXXX identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 u .s.c 1681 section 602 A. states I have the right to privacy. 

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I bank with Chase and they offer a payment service called XXXX. On Saturday, XX/XX/2022 around XXXX pm I sent XXXX to my XXXX for a tuition payment she was to make with our XXXX university. The money can be sent by referencing either the email address or phone number. The information is stored in a software setting for on-going transactions. I often send various amounts of money by my wifes email with no problem. For some reason this time it went by her phone number. Her phone number is XXXX. The number saved as XXXX XXXX was XXXX Anyway, the next day my XXXX told me she never got the money. I talked to Chase Customer Service that early XXXX and they told me they would launch an investigation. A week or so later I got an email stating that they tried to contact the owner of the phone number. 

I left a message for the person to call me but never heard anything back from them. My bank told me they would try to get my money back. 

I find it very interesting that this number is not in the XXXX network but yet an email was sent with instructions on how to download the money. I am not sure why the number was used this time and nor the email address. The {$5000.00} amount was listed on the email with my name referenced. 

Here is my activity form the bank. 

We sent money from XXXX XXXX XXXX ( ... XXXX ). 
Mobile number XXXX Transaction number XXXX
Consumer complaint received 2022-04-30
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: GOLDMAN SACHS BANK USA (TX)

I had an account with Apple card Goldman Sachs and I closed my account 6 months. I paid my remaining balance on XX/XX/XXXX but every months I received email from them asking to pay more XXXX XXXX Since i closed my account 6 months ago along with my card, how can they still charge me for money? I dont use the card for so long. 

I called the customer service on XX/XX/XXXX and he said ignore the email or reply back to it, I cant help I kept all my communication and email. This is a very restless behavior and I considered it as a fraud. 

Please investigate it properly
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (OH)

I received my credit report from XXXX and disputed a collections account from XXXX XXXX XXXX on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called receivables performance management LLC from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the XXXX.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX is reporting information that is inaccurate to the credit bureaus and has not provided verification information for this account. Account is currently 7 years old. Requested several verification documents which have not yet been provided by this creditor.
Consumer complaint received 2022-11-21
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)

In accordance with the Fair Credit Reporting act XXXX  Account -XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX Account -XXXX  # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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
Consumer complaint received 2022-04-30
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. (GA)

I sent out a letter to Transunion on XX/XX/2022 asking them to investigate the erroneous information they placed onto my credit report. there are inquires that wasn't initiated by me. Transunion responded on XX/XX/2022 with a informational letter about inquiries but not a response to my request to remove the false information. 
The inquiries are as follows : XXXX XXXX inquiry date XXXX XXXXXXXX XXXX XXXXXXXX inquiry date XXXX XXXX XXXX inquiry XXXX XXXX According to 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I am aware my rights were violated under this law and I want the inquires deleted.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (GA)

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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-22
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. (LA)

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX US SM BUS ADMIN ODA XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-30
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. (PA)

In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. I have not received any verification of debt or reply. company violated the cease and desist by reporting to credit bureau without providing me written proof as requested. i have not received any proof of debt of signed document by me that validates the debt and its been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove this negative account from all bureaus IMMEDIATELY! will be looking to file suit and complaints with FTC because my rights and livellhood has been affected by their actions.
Consumer complaint received 2022-04-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Synovus Bank (CA)

I recently contacted First Progress about getting my refundable security deposit back after noticing my account was reported closed in XX/XX/XXXX. When I called them this month, I explained that I just realized I never got the refund after two years. The representative I spoke with, she stated that they did try to send the refund to an old address I had on file but it was returned. So, I immediately gave her my new mailing address, in which, she stated that if I wanted to get an expedited refund, I needed to fax them. I did as instructed and faxed from XXXX XXXX yesterday. However, when I called to let them know the fax was sent, they claimed they had not received it and that I needed to wait 48 hours and call them back to check the status. It was a guy representative who claimed this and even told me that he was sitting there looking at my refund check for {$200.00}. I called again this morning and spoke to another representative who claimed my account was just closed ( XX/XX/XXXX ) and that I would have to wait 10 weeks for my refund. This is completely abusive because, first off, they did not try to reach out to me when the check was returned a couple of years ago. It took me some years before I discovered I was owed a refund and when I have contacted them on multiple occasions, they are attempting to delay my refund another two months by reporting my account recently closed when that is not what my credit report shows. I have not been a customer with them for two years. It is unfortunate because I never gave them a problem in regards to payments. My credit report even shows no delinquencies and paid as agreed. Yet, they don't want to expedite me the money that I deposited to start the account in the first place.
Consumer complaint received 2022-04-30
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: Affirm Holdings, Inc (AL)

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. 

XXXX ) XXXX XXXX XXXX XXXX ) Affirm XXXX ) XXXXXXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 USC 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. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


PORTFOLIO RC XXXX Date Opened : XX/XX/19 Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-22
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. (CA)

I have filed a CFPB complaint regarding the following accounts : XXXX XXXX account # XXXX XXXX account XXXX XXXX I have also submitted multiple disputes regarding these account being improperly reported. XXXX XXXX fraudulently locked my account and closed it out as a charge off. XXXX closed the account with a balance on it and did not allow me to pay off the account. 

It has been well over 30 days for them to respond to my complaint. These account need to be immediately removed from my credit report.
Consumer complaint received 2024-11-21
Product: Credit reporting 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

I had filed a CFPB complaint # XXXX in the past. At the time when i was talking to US Bank - i told them to close the account. I have no idea why they didn't close it. Now it seems they have charged some {$30.00} fees. 
Account number ending in XXXX Routing number XXXX Please reverse that fees and close the account
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.
Consumer complaint received 2022-04-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

Amerisave Mortgage took upfront costs on a mortgage refinance to " lock-in '' my rate of 2.175 % on XX/XX/XXXX. My rate then continued to change as the mortgage process continued as well as my amount of cash-out amounts. 
Amerisave then continued to drag my application out for 4 months while charging me {$370.00} a week for extensions, caused by their negligence. They avoided communications with my current lender and my employer in order to charge me more extension fees weekly. Then they said they needed information from me ( my boss 's information ) which I provided and they did nothing with it again to charge me more extension fees out of my cash out amount. Each month Amerisave would hold my file doing nothing in order to get me to closing then have to recertify information each time, prolonging closing over and over again. 
When I finally showed frustration and started to check other company rates, I found out that Amerisave was pulling my credit file repeatedly so that I became un-mortgageable to other companies leaving me with no choice to stay on the long drawn out process they had me on. Finally, in late XX/XX/XXXX, Amerisave Mortgage employees STOPPED communicating with me about my loan just before it became a blame game between Originator and Processor, in which neither had answers or could offer any explanations. I repeatedly requested manager involvement. I did receive a call from the manager of my Originator ; once, who only offered me excuses ( overworked unstaffed etc ). All while they are still charging me extension fees. 
Amerisave has texted me without me knowingly agreeing to accepting text messages and more than half the time, not knowing who the text messages were from ; later finding out they use an " automated person 's name '' when texting me, leaving me confused on who I needed to communicate with. 
Amerisave Mortgage is being irresponsible and negligenful in handling my case/ file and I am no longer mortgageable in other lenders eyes. Applying for a mortgage is already stressfull enough but with Amerisave Mortgage the process was 10 times what it should have or could have been causing my family to be in a huge financial situation and causing me health problems. The dealing with Amerisave Mortgage were that bad!!!
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This graveerror has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The Gramm-Leach-Bliley Act makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the Gramm-Leach-Bliley Act. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me In accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.