davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

A person ( XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX ON XXXX XXXX, other social media Id : Goon/ ) on discord provide course that teaches stock trading. He promise there is no tuition fee, but only a refundable fee of {$8800.00} USD. However, he is not returning the fee after promised time period. There are several victims in XXXX and XXXX, and he is still taking in more people.
Consumer complaint received 2022-09-12
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. (WI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number 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 2020-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

XXXX XXXX XXXX in XXXX NC claimed I owed {$10.00} for a month of service in a rental home after I had already given notice I would be leaving on XX/XX/20. They could not give proper time frames and kept changing story and owed amount on me after I called and spoke to 2 representatives who could not justify why I owed said amount but kept receiving bills. I filed complaint with XXXX  in which time they finally got their story straight that I owed a final bill amount of {$10.00} yet never sent a paper bill showing dates of this. Agreed to pay but before I could I had FirstPoint XXXX  threatening me with a collections for said amount. This amount was sent to collections before a proper amount of time was given to me to pay it. Paid final bill amount on XX/XX/20 of XXXX. Received another notification from FirstPoint XXXX today. I want the harassment to stop.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello : I have been working on my credit for several years and have a decent credit score, however, anytime I use more than 30 % of my credit card limit, Trans Union and XXXX  will instantly lower my score but they do not instantly raise my credit score when I payoff and/or pay down my credit cards. It typically takes 30-60 days to increase my credit score after I payoff or pay down my credit cards but the credit score decrease is instant. And the decrease can be anywhere from 5 to 10 points or more. I do not believe this is far and puts my credit at a disadvantage. If I want to apply for new credit I have to wait 30 to 60 days for my score to increase but again the decrease score is instant. I have been watching this as a pattern for the past 5 years. I am certain that I am not the only one that this is happening to. Why do they do it? If they can instantly lower a score, why can't they instantly raise a score? Why is there a delay for an improvement in credit? Who benefits from this? I can not say if XXXX  does this as I do not have a service, nor know of one, that I can monitor XXXX  daily.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to XXXX, XXXX & Equifax. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

My son fell ill, couldnt pay bills, so I consolidated them through freedom debt LLC, in XX/XX/2019. As a couple months went by I noticed they were not paying anything and my credit declined even more. I canceled thinking that I would get my money back thats in the program and they would not give it back. This is months later. I didnt realize that it was fraud until another credit repair company told me that what they did is fraud and Not ok in California. I lost a more then {$3800.00}. 

I want my money back. When talking to a lady the other day she gave me the consumers finance information and I literally wanted to cry because that company was supposed to help me ... not take advantage of me.
Consumer complaint received 2022-12-15
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. (AL)

It appears that my credit/my file/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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Awa collection account is inaccurate. The account is my brother account with similar name. However I signed for his bail for initial XXXX payment that's it. According to brother account was settled. I reached out to company asking for verification ... No reply.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC (MA)

I ordered a Electronic exactly from the company I owed towards. The electronic ended up getting stolen/lost while I was at my friends house. Now these people are saying I owe for somthing that I have no presence of even having it. I called them very rude and pushy on the phone lines. They say I called them before and promised I was going to pay them which also isnt true cause they called me multiple times while I was at work and I told them I would get back to them and they repeatedly are pushing for money. 


NOTES * This debt payment was requested back on XX/XX/XXXX and I just received my first notice today from them which is XX/XX/XXXX and there saying im overdue without giving me a notice back in XXXX. 

XXXX Very pushy on the phone lines begging for money that I dont owe. 

* Also the address they have listed as the agency address is Fake cause I checked XXXXXX/XX/XXXX and the place is a clothing store plus a clothing store websit and they also asked me to send my dispute to a place that doesnt even exists. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ma XXXX ( CLOTHING STORE NO DEBT PLACE AT ALL ) PHONE : XXXX ( Pushing for money Seems Fraud )
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Experian has a XXXX XXXX Credit Card that was opened XX/XX/2015 as paid but also showing that XXXX was written off. This old credit card was paid off in full and I have since obtained 2 other credit cards with XXXX XXXX. This amount was not written off and should only reflect as paid. Experian is the only credit bureau reporting this incorrect information.
Consumer complaint received 2021-06-22
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: CITIBANK, N.A. (CT)

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me, please review them Identity Theft Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Consumer complaint received 2020-12-18
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. (CT)

TransUnion is still reporting that my balance with XXXX XXXX XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number XXXX
Consumer complaint received 2020-12-17
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: Yamaha Motor Finance Corporation USA (MD)

Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a 60 day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a Disaster Relief Modification Agreement, which by the way I never received in the mail, for the 60 day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/2020. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.
Consumer complaint received 2021-08-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is incorrectly reporting account XXXX XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

Experian needs to promptly return reporting and status to CURRENT/ Never Late.

I am attaching all email correspondence from XXXX XXXX XXXX XXXX  from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.
Consumer complaint received 2022-05-05
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: EQUIFAX, 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 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Loan Servicer withheld information from Escrow and Title Company that they paid the taxes. Therefore, Escrow and Title Company withheld {$4700.00}. Loan Servicer needs to provide copy of cancelled check or issue stop payment and reissue funds to me. Included is proof escrow withheld the property taxes and paid them. Even with a release they refused to work with the Title Company and Escrow company to clarify payment.
Consumer complaint received 2021-07-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I, the consumer, disputed this debt in XXXX of 2020 with XXXX XXXX XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX XXXX, Midland Credit Management has continued to report the erroneous information to other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. 

MCM Account numbers : XXXX, XXXX, XXXX
Consumer complaint received 2020-11-20
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. (MS)

On XX/XX/2020, I mailed a letter requesting investigation of inaccurate accounts that I saw on my credit report. It's been over 2 months and I still haven't received a response.
Consumer complaint received 2024-09-15
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. (KY)

In according with the FAIR CREDIT REPORTING ACT. 
Account number XXXX XXXX XXXX XXXX BANK has violated my rights.

15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE JPMCB SENT TO ME A 1099C FORM, WHERE SHOWS A DEBT CAMCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

About a week ago, I submitted instructions to set up an external account for a transfer out of my Marcus savings account opened earlier this year. After verifying the XXXX test deposits, my account was inexplicably locked and I was asked to phone in. As of this writing ( XX/XX/22 ), I have phoned in XXXX times to attempt to release the lock. I was asked on the first XXXX calls to await a return phone call within THREE MINUTES. I waited at least 30 minutes in each case and no call came. The third call dumped me into a voice mail box was that not attended. On the fourth call I was put on hold several times and I told the agent that these are XXXX XXXX XXXXecovery funds and to hold them is UNLAWFUL per the UCC-1 filed by the XXXX. I was told the account was being reviewed and I should call back in 1-2 MORE business days. This is absolutely insane. This account only has a few XXXX dollars in it and this is Goldman Sachs? Wow. I will not wait around all day long for a phone call. Today makes 5 calls with the same result. They keep asking me about a prior phone number. I've had TWO phone numbers assigned to me ( same cell phone ) for the last 10+ years. I was told to call back in 1-2 days as they are still reviewing and would not tell me anything else ( even after pressing them ). This is insane for an account with about {$2500.00} in it. I now want ALL my money out of this account sent to the destination account I specified. Please see the XXXX  complaint also filed on this situation.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2021 Received a notification about a wire transaction that was taking place which I did not authorize. I immediately tried to log into my account and was locked out. I called Wells Fargo to tell them about what was going on and that I did not authorize two wire transactions for a XXXX. They opened another account for me and I filed a complaint for the two wire transactions and was told it would take up to 10 business days to be resolved. 
XX/XX/2021 I checked my new account and saw that the funds for one of the transactions had been taken out of my new account. Called Wells Fargo and filed another complaint and again was told it would take up to 10 business days to be resolved.

2 weeks later I called back to find out that they had denied one of the claims saying it was not fraud. The two wire transactions were for the same account and they denied the one saying they could not detect fraud. I asked for them to to reopen the case or if I could speak to someone that could help me resolve this issue. I was told that a supervisor of some sort would be contacting me within 2 business days. No one ever called me.

( Wells Fargo records conversations )