davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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. (VA)

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. 

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 report agency can not furnish a account without my written instructions.

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

XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2022-04-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/2022 I sent Fifth Third Bank , National Association via certified mail a " Notice of Dispute and Conditional Acceptance Upon Proof of Claim '', delivered XX/XX/2022 at XXXX. In my letter I stated, it has come to my attention that there may not have been a true qualified meeting of the minds, that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract. I agreed to continue making payments on the condition full disclosure is provided by : 1. Presenting the language used in the documents, 2. Presenting the dictionary used in the documents, 3. Presenting the system of grammar used in the documents, 4. Presenting a legend to comprehend the symbols used in the documents, 5. Presenting definitions of the words marked in red ink on the documents, attached as Exhibit A-C, 6. Presenting all records and the general ledger statement of the referenced account, presenting the full accounting of the alleged obligation, verified ( sworn true, correct and complete ) by the party who made the entries, 7. Presenting duplicate copies of all statements for the referenced account, 8. Presenting a duplicate copy of Notice of Debt for the referenced account, and 9. Presenting a competent clarification, per the attached Proof of Claim that I have any lawful obligation to repay this alleged debt for the referenced account. 

I instructed Fifth Third Bank , National Association to cease collection and reporting of the alleged debt while efforts are made to obtain Proof of Claim. I also instructed Fifth Third Bank , National Association to cease all communication with me or any third party after the verifiable receipt of said notice unless they were providing procedurally proper validation of the debt or a consultation fee would apply. Since XX/XX/2022, the recorded delivery of the notice, Fifth Third Bank , National Association has called, email, text, and sent detrimental information to major credit reporting agencies against my instruction, without my consent, and without providing proper validation. My experience with Fifth Third Bank , National Association has been abusive as I believe they entered into the contract without clean hand and have yet to prove their claim while destroying my livelihood and reputation. The constant harassment via phone call, email, and text, paired with the detrimental information on my consumer report provided by Fifth Third Bank , National Association without my consent or written instruction has caused injury to my person and household. The scheme of fraud Fifth Third Bank , National Association is using by threatening, intimidating, deceiving, and enticing to coerce natural living people to commit an act creating a legal disability where none exists is appalling and unlawful.
Consumer complaint received 2022-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

A debt collector called National Credit Adjusters or NCA appeared on my credit. I have tried several attempts to have this fully investigated by asking for NCA to provide the IP address. ( If this was done online ) Also I asked NCA to fully itemize the statement, prove my signature, time and date of opening of the original account, etc. I also submitted a complaint to the XXXX for help however they stated their assistance is very limited in debt collections. The original creditor is XXXX XXXX XXXX XXXX XXXX. NCA reported to the credit bureaus that this account was opened XX/XX/2020 ( 1 yrs, 6 mos ). I absolutely did not open any account with XXXX XXXX XXXX XXXX XXXX. I dont even know who this company could be. I tried disputing with XXXX stating I cant believe I have to prove my innocence. I did not open this account. They asked if I wanted to file this under fraud or identity theft and I told them I dont know because I dont know how this appeared on my credit because it isnt mine. The customer service representative mustve disputed it under fraud and locked my credit file ( without my permission ). I am not sure if this is fraud or identity theft or a case of mixed information. There is another family member with the same name. Regardless, this is not mine. NCA sent a response back to XXXX stating they couldnt discuss anything with me for 30 days because its filed under fraud. Yet I have disputed this on multiple occasions prior and they did not produce a full investigation. A full investigation must take place including IP address location, etc because this was not opened by me. Please help. I am an honest person and fully agree that I need to pay my bills and I do and will. I take full credit for my bills. This is NOT mine. Please can you help me. I would absolutely pay this if it was mine. But it isnt. I do not know how this appeared on my credit or who may have tried to open this in my name but I did not open this. I would not waste my time and energy on this if it was valid. Possibly NCA made a mistake or someone used my name and social. I did have my social security card and birth certificate stolen from the apartment I lived in at the time of this opening. I did not report to the police due to being afraid of the neighborhood I lived in and I worried about repercussions from my landlord and maintenance crew.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

On XX/XX/XXXX I received a text message from my bank account Chime that my number had successfully been changed to an unknown number. Right after I received the text message I called Chime customer service and stated that my number was changed and I did not authorize this change. The lady that I spoke to stated they would freeze my account and issue a need card with a new number, however, I would not have access to my funds for approximately 10 days and they ensured me that my funds were safe. The 10 days processed and they were able to give me access back to my account with a new card number. Upon accessing my bank account after the 10 days, my funds were depleted and left me with a negative amount in my checking account. I checked my activity and I saw that approximately an hour after my last authorized transaction on XXXX XXXX there were XXXX transfers from my checking to my savings of all different amounts over XXXX dollars. Also on XX/XX/XXXX there was a transaction made of {$890.00} from XXXX XXXX. I promptly called Chime to dispute these transfers/transactions made and I filed a complaint/dispute with them. They stated they would give me a credit back to my account after 10 days if my claim was approved. 10 days passed again and I received an email stating my claim was denied due to not having proof. I called them after I received the email of my denial and I asked for the merchants information to see if I could reach out to them. I tried to look up the merchants information myself however the only locations I could find were in XXXX and XXXX when I contacted them they gave me a possible number that was related to them. I tried call the number that was provided and it was a XXXX XXXX number and it was no longer in service. I called them back and chime opened up another case providing that information. They stated that this investigation could take approximately 45 days. I received an email today XX/XX/XXXX that my claim was denied once again due to no further proof was provided. I have called them once again and they stated that there was nothing they could do except file another dispute. I have not taken any further action as I feel I am being pulled back and forth and I shouldnt have to wait this long as I have did what they asked me to do and they have not given my funds back.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C (OH)

On XX/XX/XXXX, I was contacted around XXXX at my previous mobile number ( XXXX ) by a representative from XXXX XXXX XXXX XXXX XXXX ). The representative informed me that for a XXXX time payment of {$120.00} I could settle the amount I owed- over $ 400- on my XXXX XXXX credit card account. The agent had a XXXX  accent. On XX/XX/XXXX my bank, XXXX XXXX XXXX XXXX paid them {$120.00}. On XXXX XXXX XXXX I received a letter from the same company about the same Credit card account. I called and spoke with a representative who said that the letter had just crossed in the mail and I should disregard. Once again that representative spoke with an accent. Today, XX/XX/XXXX, I received a letter from another collection agency- Stenger and Stenger- XXXX XXXX out of XXXX XXXX XXXX MI, regarding the same credit card account for a different amount of {$910.00} and a Settlement offer of and other options. At tis point I contacted the number I have for XXXX XXXX XXXX ( XXXX ) and there is a recording saying " We no longer service your account '' and directed me to call a different XXXX number- ( XXXX ), which comes up as XXXX XXXX XXXX I do not know if this is a blanket recording or not but I called XXXX from my new phone number which they do not have. When I spoke to the representative who was allegedly with XXXX  ( OBTW- he too spoke with an accent ), he informed me that they did have collection agencies and XXXX XXXX XXXX XXXX XXXX that they used. He asked me to give him my ss # or the telephone number associated with my account. I said I do not have an XXXXXXXX and never have, He said he could try to bring up my account with XXXX XXXX with my SS # or phone number I said I did not feel comfortable. He said visit the XXXX website and call the number on the website. I already told him before I do not and never had XXXX He knew the only thing I could do is apply for one or log in if I already had an account. This account has already been resolves on my Credit report as closed. Neither of these companies should be trying to collect this debt. I already paid the first settlement offer with XXXX.
Consumer complaint received 2022-07-13
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. (IN)

XXXX and Transunion continue to report a collection account from XXXX XXXX XXXX. I have never had any business with XXXX, was never alerted they were trying to collect a debt or anything. I moved out of an apartment serviced by XXXX XXXX. When I found out I owed them money, I paid them. I was never contacted for collections by XXXX or XXXX. I just ended up paying XXXX but XXXX continues to report. I would like the XXXX collection removed from my credit. It is damaging my Fico scores. Just reporting to the credit bureaus without any attempt to first contact and resolve a debt is shady business practice.
Consumer complaint received 2022-02-15
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. (TX)

I realized my information was leaked in a data breach and there are a lot of inquiries that I did not authorize on my credit. I don't know what they are for but i didn't authorize anyone to check my credit. Please remove these as they are bringing my score down!
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1. XXXX is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. XXXX is reporting my XXXX account under potentially negative XXXX. Reporting as open in the potentially negative section on XXXX
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (NY)

1. Experian is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. Experian is reporting my XXXX account under potentially negative 3. Reporting as open in the potentially negative section on Experian
Consumer complaint received 2022-04-24
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. (MA)

In accordance with the Fair Credit Reporting 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 2022-07-12
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: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

I was scammed out of {$14000.00}. This is the website that a scammer told me to go to and link to my Coinbase wallet : https : //mcdex-defi.com At first, they allowed me to mine USDT from the website and they said I could transfer the money to my wallet, where it would be safe. I did just that, a few times. The wallet got up to {$14000.00}, and when I tried to transfer more money into my wallet, they said I could not until I added $ XXXX to my wallet. I did not do that and told them I would not, and then all of a sudden they stole my {$14000.00}!!! Can you please help me to recover the funds? I would think Coinbase would stand by their wallet security. I opened a case with them but they dont seem to be cooperative. Please help. Thank you!
Consumer complaint received 2022-02-14
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-04-25
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

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. 

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions
Consumer complaint received 2022-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MN)

My mortgage was sold to BSI Financial midXXXX. I had been on a Covid19 forbearance at the time that it was sold to BSI Financial. BSI Financial then offered me a modification that I agreed to, filled out and signed the paperwork and mailed it back to them. Since then I have been calling 2 main contacts, 1 supervisor and their HR dept multiple times a day and leaving messages. I have not received any communication of any sort back from them. I do not know what the status of my mortgage currently is. I have also received a pre-default notice in the time that I have been trying to contact them.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (MA)

My divorce decree states that my ex-wife took over the payments on a vehicle lease. 
She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers. 
At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name. 
XXXX XXXX wouldn't let her do it. 
So now XXXX has trashed my credit report. 
They won't do anything about it because they say it's a contract and it can't be broken. 
I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do. 
And big corporations like XXXX can just do what they want to do. 
This is just such a common sense issue I'm not sure why it matters to XXXX who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me. 
Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it. 
And who even knows if someone that's reviewing my credit would even bother to review a note. 
The system is broken and needs to be overhauled