davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-04
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-29
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. (FL)

I submitted a letter to Experian on XX/XX/22 to update this suspicious information. I think they have not validated the 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, and I'm including it again. 


XXXX XXXX XXXX {$200.00}
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I recently had a collections account added my credit from I.C. systems Inc. I have no reciliation of any debt owned. I have never received a letter in the mail, email or phone call regarding this debt. The debt just appeared on my credit report. For this reason I was never given the opportunity to dispute and never given an account number to reference the debt. When trying to file a dispute on the I.C. Systems website it ask for a full account number linked to the debt. However, because I have never received notification of the debt, I do not have the full account number to dispute, only the few numbers listed on my credit report.
Consumer complaint received 2024-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Neon Newco Corporation (VT)

NETSPEND CONTINUES TO LIE ABOUT NEEDING MORE TIME to answer my CFPB complaint. 

They promised to PAY me in XXXX. They paid PART of what they owed on closing my account BUT STILL OWE ME OVER {$1000.00}! 

When I complained YOU CLOSED THE COMPLAINT AS A DUPLICATE. 

IT IS NOT A DUPLICATE! 

I NEED MY MONEY! IT IS MY MONEY, NOT NETSPEND 's!
Consumer complaint received 2024-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

issue took place at the Wells Fargo branch in XXXX NJ ( XXXX ). Was depositing {$140.00} cash to cover a transaction ( paying a bill ). The ATM counted my money as {$120.00} in cash and then incorrectly counted a {$20.00} bill as check. I asked for my items back to try again ( {$140.00} all in XXXX ) and the ATM only gave me back {$120.00}. Customer service could not provide a temporary credit for the loss, states {$20.00} will require a full investigation. This has delayed my payment as is now costing me additional fees.
Consumer complaint received 2023-02-28
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. (TX)

I am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry XXXX XXXXIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my Equifax credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
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. (IL)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your intervention in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : ( XXXX  XXXX Opened XXXX XXXX, XXXX, Balance : {$1100.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$670.00} ), ( XXXX XXXX, Opened : XXXX XXXX, XXXX, Balance : {$220.00} ), XXXX XXXX  XXXX, Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ). 

For each of these accounts, I dispute the accuracy of the reported information and request their immediate removal from my credit report. The details of each account are as follows : XXXX XXXX : Equifax includes three accounts under the name XXXX XXXXXXXX, which are not mine. I request the removal of these accounts from my credit report. 
XXXX XXXX  XXXX : Equifax reports this account with an incorrect Original Creditor name of XXXX XXXX XXXX. I am familiar with the original creditor for this account, XXXX XXXX ILLINOIS XXXX, but I have no association with the company stated on this account. Furthermore, the reported XXXX of {$510.00} is inaccurate as I recall the balance to be lower. Due to these discrepancies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Hi. I was scammed for {$800.00} through a XXXX XXXX transaction via Zelle on Tuesday, XX/XX/20. 
I am selling a couch for {$600.00} on XXXX XXXX. Someone wanted to purchase it immediately for {$700.00} and offered to pay via Zelle. I agreed, gave her my Zelle email and I got an email from Zelle saying XXXX XXXX ( the buyer ) sent me {$700.00}, but she sent it to me via a business account and in order to obtain my money, I needed {$1000.00} in my account to fully activate it - so XXXX would have to send me another {$300.00}. XXXX agreed via XXXX XXXX as long as I paid her back immediately, so I got an email a few minutes later from Zelle saying she sent me {$300.00}. I then sent XXXX back {$300.00} via Zelle and got an email saying my account was validated and I would be paid immediately. I then got another email saying that XXXX accidentally sent me {$500.00} so they could not clear my account and that I would have to pay Zelle {$500.00} to pay her back before they could send me my money. So I sent another {$500.00}. At that point, I was out {$800.00} and sent an email asking when I would get my {$1500.00} paid ( {$700.00} for the couch plus the {$800.00} I was owed ). They responded right away stating another problem and that I had to pay another {$500.00}. At that point, I realized I was being scammed. I submitted a claim with XXXX XXXX XXXXXXXX and Zelle, but I haven't heard back from either yet on the status of my claim. From what I've understood from the bank, they are refusing to cover the {$800.00} since I sent the money voluntarily. However, I was tricked into doing this and it was a clear scam- it's no different if my credit card got hacked for {$800.00} and the bank had to cover it. I've been a XXXX  XXXX XXXX XXXX for XXXX years and have tens of thousands of dollars with them, so it's disappointing to hear that they are not supporting me. Zelle has also been very unhelpful. I've spent hours on the phone with them trying to get someone to speak to me. It's too easy to get scammed on their platform and they don't seem to care or do anything about it. It's been 48 hours since I submitted my claim on Tuesday, XX/XX/20 and I still haven't heard anything back. The scammer has probably cancelled the account by now and just has my {$800.00}.
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America reported to chex system that there was suspicious activity with my account. that information is 100 % incorrect.. I was a victim of a payday loan scam. I cooperate and provided documents to Bank of America, the name of the person who who did the scam and activity. Nobody from Bank of America ever contacted me from my side of the story I had to contact them and provide documentation of who the person was and what company they came from and I was about that Bank of America reported negative and inaccurate information to check system and now I cant open a bank account anywhere
Consumer complaint received 2021-09-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WI)

I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.
Consumer complaint received 2024-12-17
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (VA)

I opened an account around XX/XX/XXXX with XXXX XXXX for the first month service wasn't great but very workable for me to use. After the first month I started having problems after problems. I notified them of the issues, I reached out SEVERAL times and told them that I wasn't able to get service and wanted to cancel my account and return the equipment. They repeatedly told me that it was issues on their end and to give them time to fix those issues and they would credit me for the time that I wasn't able to use the services I was being charged for. I even tried to take the equipment back to the store where I originally bought it. I was told that the equipment would have to be sent back to the company by contacting the XXXX number to receive a return label. So I never was given the option to return the equipment. So, the account was sent to collection, and I saw where there were XXXX companies trying to collect for me : XXXX. XXXX and Waypoint Resource Group. So I contacted XXXXXXXX XXXX, and they advised me that the ONLY company that was authorized to collect was XXXX. XXXX. So I contacted Waypoint, and they told me that they had already removed it from my credit with all 3 bureaus over a year ago. XXXX XXXX also saw where I had called in many times with not being able to use their services and told me to dispute the charges with the XXXXXXXX XXXX  to get it removed from them as well.All XXXX of these companies are hampering my credit and it causing a great burden on me. 

XXXXXXXX XXXX : ** I also want to note when I called in to XXXX XXXX in XX/XX/XXXX they were asking about an un-returned XXXX and XXXX phone and I had to argue pretty intensely with them that those pieces of equipment I previously bought outright and had brought those into the store to activate. It would look like they would have saw that those weren't bought from XXXX XXXX, when they were infact bought from XXXX and XXXX. It seems as if they were trying to charge me more for equipment that was 1000 % not theirs to charge me for.
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Credit Acceptance has falsely obtained compensation from me in relation to the credit transaction that took place. They failed to provide me with the appropriate disclosures under the Truth In Lending Act and they have also failed to rebut the Affidavit that was sent to them. An unrebutted Affidavit stands truth in commerce. They have received the documentation and have yet to correctly handle their wrongdoing.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account currently reports information illegally. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Below are the inaccurate items on my credit report : Inquiries 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 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute inaccuracies related to the balance and payments on my account number XXXX, under the account name XXXX XXXX 
The reported information does not match the actual transactions and contains significant errors. Under 15 U.S.C. 1681e ( b ), credit reports are required to be completely accurate, which is not the case here. 
The previous review was not properly conducted and inaccuracies remain ( Report # XXXX. Dated XX/XX/year>, and CFPB Complaint # XXXX ).
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

We applied for assistance on our delinquent mortgage. We had a financial hardship. Our file has never had a loan modification. We applied for one and the next thing you know on XX/XX/XXXX we received a letter stating our file was removed from review. We did not get this letter until a few days ago. Apparently our file was missing documents but we were never advised of what documents we needed to send in. We were advised a letter was sent out to us. Due to this pandemic our mail system is extremely slow. The letter never came. We have been having substantial mail issues. We have an adjustable rate loan and know we need a fixed rate. Weve never been given assistance. All were trying to do is save our house and now we have a foreclosure sale date set for Friday. I am sick and I can't imagine being evicted from my home while sick with XXXX. I had XXXX  and my symptoms are severe. I was in the hospital for two weeks and have not fully recovered, I am still on XXXX. The stress of this on top of the medical bills is delaying my recovery. I feel like our file has slipped through the cracks at SLS. We were not properly informed by any reps at SLS of the missing items. No one is giving accurate information and no one is being held accountable for these issues.The inability to relay information to us is inexcusable.They are more interested in foreclosing on our home rather than assisting us. The lack of participation in a meaningful review of my file indicates a preference to profit directly from our hardships. If given the opportunity we can afford the payment.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

HI 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.