davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
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. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2020-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXX, dispute manager at Capital One, was assigned to remove a disputed transaction. She refused to make the funds available the same day on the day my statement cycle was ending. This is unorthodox Capital One procedure. All documentation for the dispute was made available. Please encourage XXXX to find new employment for her insubordination.
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OR)

Early termination fee was paid in payments. After debt was paid off, with monthly payments in check form, XXXX XXXX sent me to collections. The debt collections has been asked multiple times to take this off my credit report, they don't acknowledge my attempts at contacting them. They say I never paid XXXX, a copy of the check is attached as well as an additional copy of a check for XXXX cents that I was later billed for. I have filed with XXXX  to have it removed from my credit file, they have also ignored me.I have repeatedly tried to call them without success. Please help. 

Sequim Asset Solution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX! XXXX
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2021-01-15
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. (TX)

As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
At present it is required that upon your failure and inability to validate the following inquiries and accounts with the physical original contract each bearing original wet ink signatures from myself the Executor, the information is to be deleted and expunged from the consumer credit report within ten ( 10 ) calendar days. 
COLLECTION/CHARGEOFF NEED TO BE REMOVED BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED MEANING YOU SHOULDN'T BE REPORTING OPE, NO LIMIT, NO PAST AND BALANCEAND PAYMENT STATUS. 

SEE ATTACHED ACCOUNTS :
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a savings account with bank of America from social security payment. 
On about end of XX/XX/XXXX, I found out someone stole all the money. I made numerous trips to local bank and reported to various organizations. So far I was reimbursed most except around {$8000.00}.
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SD)

On or about XX/XX/2021, I inquired via FedLoan Servicing Chat feature how to have my payment applied to a certain student loan that I wished to target. I was told to include the loan number and disbursement date in the memo line of the check. 

On or about XX/XX/2021, I sent a check via my financial institution to FedLoan Servicing to pay a specific loan with the loan number and disbursement date in the memo line of the check. That check cleared on XX/XX/2021 as reflected on my bank statement and FedLoan Servicing 's Payment History. I checked the electronic image on my bank account and identified the memo line did, indeed, include the loan number and disbursement date. 

I realized on XX/XX/2021 that the check was inappropriately applied to all loans and contacted FedLoan Servicing via the chat feature. I was informed I would need to call in to have my payment reapplied that that I can not target specific loans via mailed-in payments. 

I called on XX/XX/2021 to have the check reapplied and was again told I would need to call in each and every time I sent a payment to have the check target a specific payment. I informed the servicer that their website reads : " The easiest way to target your payments is to pay online. However, if you want to have all of your future extra funds applied in the same way, you can write to us and provide standing instructions [ ... ] You will need to specify how you want your extra funds applied to your individual loans, and you'll need to identify your loans by disbursement date and loan type ( which you can find in Account Access ). We can help you through this process if you contact us [ ... ] '' https : //accountaccess.myfedloan.org/contactUs/index.cfm I again asked for clarification that I CAN NOT send a check and have it applied to specific payments and was told not unless I call in after each check clears to have it reversed and reapplied. The servicer attempted to walk me through the online application system to have it ACH 'd from my account, which I have no interest in doing for extra payments. 

I informed the servicer I would be escalating this to the CFPB and advised they escalate the call to their immediate supervisor. The customer service representative stated he would note this call on my account. 

I have since provided an email through their platform using the CFPB sample template, but still feel I received inadequate information, false/misleading information, and that my payments were inappropriately applied. FedLoan Servicing has no incentive to honor consumer requests as students can not refinance their loan for better interest rates or, if they do, risk loosing federal-loan benefits. FedLoan Servicing is exploiting this loophole to provide poor customer service and inadequate application of payments.
Consumer complaint received 2022-11-06
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. (SD)

In accordance with the Fair Credit Reporting Act, Dept Of EdXXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (TX)

Account was closed and removed from my credit report In XX/XX/XXXX. Now it is being opened again stating it is owed beginning XX/XX/XXXX which is Not accurate.
Consumer complaint received 2020-12-06
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)

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Consumer complaint received 2021-01-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (TN)

On XX/XX/XXXX, we deposited a large check payable to the IRS in a US Post Office mailbox on Post Office premises. In reconciling our US Bank checking account statement covering XXXX of XXXX, we discovered that the check had been altered, deposited by an individual unknown to us, and charged to our account. We contacted US Bank and they emailed us forms to fill out to report the crime. We delivered the forms by hand to the XXXX XXXX office of US Bank in XXXX, TN on XX/XX/XXXX. XXXX Bank conceded readily that the check was obviously altered but has refused to recredit our account. We have communicated with US Bank many times since XX/XX/XXXX by phone and email. As of XX/XX/XXXX, despite our continuing demands, our account has not been recredited for this stolen and altered instrument.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In my original investigation request sent XX/XX/2021 I asked Experian to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that XXXX, XXXX, and Experian all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Experian to please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file. This is my 3rd attempt to remove the inaccurate accounts that Experian stated was verified and correct.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I t 's been over 5 months TRACKED MAIL and no information given. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts in 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting. I do not owe these accounts and never entered any agreements with these companies. Why have you no information been given to me regarding these accounts? All I see the is the accounts being re-reported to drop my score even lower..
Consumer complaint received 2021-06-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

We were defrauded by WELL FARGO. We was told to not make XXXX payment in XXXX. They tried to foreclose on us. We had a mortgage of 30 years that was to be paid off in XXXX. We were forced to modification to 40 years. They swindled us into a XXXX lie. To compensate our dream home. Yes we want justice and transparency of this illegal action towards. Yes we also was in their illegal issues that Supreme Court found them guilty in mortgage fraudulents cases against peoples homes. I have all of my forms.
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I'm writing you to see why my mortgage payment has increased. The original bank was XXXX XXXX, followed by Caliber. I'm trying to apply for a loan modification with current bank. But as of yet no one has processed my request. The reason for the request is to investigate my mortgage loan that was abruptly moved from 1 bank to the other. I'm asking for a reasonable modification for me & my family. Thank You In Advance
Consumer complaint received 2021-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Advantage LNS Inc. (DE)

I HAVE BEEN DISPUTING A ACCOUNT WITH XXXX SINCE XX/XX/2021. XXXX REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXXXXXX AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT XXXX IS ABLE TO " VERIFY ''.
Consumer complaint received 2020-12-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On the night of XX/XX/22, I was briefly XXXX XXXX XXXX XXXX XXXX XXXX The assailants used my debit card, after forcing my pin number out of me at XXXX XXXX, to withdraw and use XXXX $ USD. I filed a claim with Wells Fargo that was resolved on XX/XX/22, with the bank failing to refund me, with the reason being " ... the transactions were made using your card and personal identification number, we found it was made by you or someone who had your permission. '' I followed up with the bank in person on XX/XX/22, and a banker allegedly " escalated '' the matter, however I have not been able to get a hold of this person since.
Consumer complaint received 2022-07-14
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. (AL)

I submitted a compliant previously compliant number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is reporting 2 derogatory accounts on my Transunion, XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX ) stated " We do not do credit inquiries we do run a system that provides us with a credit score but as far as we have always knew it was a soft inquiry only nothing that should ever hurt your credit unless the credit bureau has your credit unless the credit bureau has made a change we are not aware of maybe you need to speak with the credit bureau. '' XXXX XXXX XXXX XXXX  XXXX ) is unaware that there is 2 derogatory collection accounts on my credit report XXXX XXXX XXXX  {$610.00} and XXXX XXXX  {$560.00} ). Both derogatory accounts need to be removed from all credit reporting agencies, XXXX, Transunion and XXXX. 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.