davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to XXXX and Transunion as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX 's unauthorized reversal of my payments without notice to me, as well as XXXX XXXX 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and Transunion used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXX 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX has again illegally and unlawfully and maliciously reported an inaccuracy on my credit file with XXXX. You can see from the attached report screenshot that XXXX is Maliciously reporting a payment THAT WAS NEVER PAID in XX/XX/2022, This is a Closed account and payments are not being made to this account..
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I found that I was being sent to collections in XX/XX/XXXX for an account I have no idea about originating around XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX  ). I attempted to contact both XXXX and the collection agency, Wakefield and Associates ( Wakefield ). With PXXXX, the phone numbers and websites were down for 'technical reasons '. I sent an unregistered letter to Wakefield, with no response. I contacted the XXXX XXXX XXXX  and they assigned me a case number XXXX. I have been in contact with the case agent, but he mistook a copy of a registered return letter as being in contact with Wakefield. I have never heard from them, even with second registered letter, using their own template. I have lived in XXXX XXXX since XX/XX/XXXX and have never received services from any emergency services company out of XXXX XXXX since then. They have all my information to file a claim, why not contact me? I am a retired United States XXXX that has OUTSTANDING medical insurance. They have no record of any claims. 

XXXX  advised me to file a complaint with the California XXXX XXXX XXXX, and they reported that the company was 'not registered as a certified public accountant, so investigation was closed and they have no jurisdiction.. 

I have a step by step record of what I have done, and what I have received. I do not believe this charge for services is valid and would like it to be stricken, with prejudice, from my record.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9.00}
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

In accordance with the Fair Credit Reporting act Credence Resource Management account # XXXX & XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

On XX/XX/22, a direct money link transfer of {$10000.00} was made from my personal XXXX brokerage account into a Crypto.com account. This was done using exactly the methods of transfer requested by Crypto.com. Another direct transfer of account-to-account using the exact " seamless '' quick method advertised by Crypto.com was used to conduct a wire transfer of {$1000.00} to my Crypto.com account as well. It was advertised that by Crypto.com that using these methods would see the funds deposited in my account within 24hrs. This never happened. 
When Crypto.com was contacted about these transferred, which were confirmed accepted and completed by my institution, they claimed to have no record and requested multiple rounds of personal information including name, social security, personals bank account numbers, and personal banks statements. When these were provided, they stated that they did not have the correct information and thus could help. When I pointed out their own policy that any funds that do not make it into the designated account are to be returned to the sending institution within 7 to 11 business days, they directly contradicted this and stated they needed further personal financial information to confirm my identity and transaction. At this time, they claim they do not have any knowledge of these transfers or where the money may be and can not assist me further unless I divulge the entirety of my personal banking information to them. 

These requests and inability to conduct basic financial transactions concern me for fraud and theft by Crypto.com against myself and while I will likely not have this issue resolved, I wish to make a formal complaint and enter it against Crypto.com.
Consumer complaint received 2024-09-20
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. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (CA)

XXXX app. 
Kick off. 

These are the credit repair service that said I took out a loan. But there was no money transactions directed to my bank account or received in the mail of any cash currency I borrowed. I already paid my fees for both these services and requested my account to be closed and I no longer wanted there service. A month goes by I get something on my credit report about loans I owe from both these creditors regarding that I took a loans from there company, which I never received. I wish I had a loan company let me borrow money. I wouldnt have to fix my issue with scams like this charging me after I closed my account with these two company a couple of months ago.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have been disputing with XXXX XXXX and Equifax since XX/XX/XXXX and have not gotten anywhere with them so this is why i am here All 3 credit reporting agencies have failed to conduct a reinvestigation which is a violation of 15 usc 1681i ( a ) ( 1 ) ( a ) The following accounts have the following violations and need to be removed form the credit report. 

XXXX XXXX  loan # XXXX XXXX and XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed even tho i have multiple times. 

XXXX XXXX Account XXXX XXXX violated 15 usc 1681s-2 ( b ). They have failed to provide account level documention after being contacted by the credit reporting agencies regarding my dispute and violated 15 suc 1681s-2 ( a ) ( 5 ) they have failed to mark the account as disputed on XXXX and XXXX even though i have multiple times. 

XXXXXXXXXXXX XXXX Payment history is inaccurate from XX/XX/XXXX to XX/XX/XXXX between experian transunion and equifax. therefore this is a failure that they failed to give the furnisher relevant information and self violated 15 usc 1681s-2b. The following collections need to be removed and all have violated 15 usc 1681
s-2b XXXX- XXXX XXXX and XXXX XXXX XXXX service- XXXX ( XXXX )
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive Been In Contacted With TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX  I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted TransUnion XXXX XXXX For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time TransUnion XXXX XXXX Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

TransUnion XXXX XXXX Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case XXXX
Consumer complaint received 2023-06-24
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. (NV)

The account listed below is reported on my personal credit file and was found in my reports with 3 credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXX XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

Ability Recovery Services purchased a debt from XXXX XXXX XXXX that I paid to have removed from my credit report in XX/XX/2020. I have made several attempts to resolve the issue with directly HOWEVER they elect to put it on my credit report anyway.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-09-16
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. (MD)

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 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act my consumer rights have been violated. TransUnion is violating my consumer right to privacy Pursuant to XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. TransUnion is violating my consumer right Pursuant to 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. 

Immediately remove the account from my credit report. XXXX XXXX XXXX XXXX Credit Card # XXXX. 

TransUnion does not have written permission documentation from XXXX to furnish an account on my consumer report. 

THE ACCOUNT IS NOT MINE AND TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE MY DISPUTES. TRANSUNION HAS NOT PROVIDED PROOF OF VERIFICATION FOR THE ACCOUNT THEREFORE THE ACCOUNT NEEDS TO BE DELETED IMMEDIATELY.
Consumer complaint received 2024-09-20
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. (CA)

I Received a Notice on My credit report Regarding XXXX XXXX XXXX Ive put in multiple request to have this removed from my report theres multiple inaccuracies that have been denied no information has been provided The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am asking that you please review this account thoroughly
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My Apple Credit Card with Goldman Sachs account has been restricted since around XXXX of XXXX. Every-time I try to contact Customer Service I get told to wait until the review has been completed. Ive submitted my ID and all sorts of documents to prove my identity. This is absurd. My credit card has been unusable for a year now and Ill probably be dead by the time they unlock my card.