davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-30
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 XXXX accounts listened below, has violated my rights 1. Account name : XXXX XXXX XXXX  account number : XXXX 2. Account name : XXXX XXXX XXXXXXXX XXXX Account numberXXXX 3. Account name : DEPT of ED/XXXX Account numberXXXX 4. Account Name : XXXX  Account number : XXXX 5.Account Name : XXXX XXXX XXXX Account numberXXXX 6 . Account Name : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have 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 2021-06-03
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: EQUIFAX, INC. (LA)

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX ; Experian and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX  as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2023-07-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I started disputing accuracy of the accounts with the collection agency 's for one whole year now, I ask why they are inaccurately reporting this charged off a account with a monthly balance for the past couple of years, this is a violation per the FCRA section 623 section 5. Furnishers must only notify the credit reporting agencies the date, month and year when the account was marked as a charge off. Additionally I keep asking them to validate the alleged debt. They just keep on sending itemization of charge which is not debt validation. I ask them for proof of the initial contract and or my wet signature. they have failed several times. The is affecting my credit worthiness and i demand this to be removed from my credit report immediately.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, I wrote to TransUnion LLC Consumer Dispute Center. I demanded, according to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act demanded, verifiable proof ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) that you have on file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also sent proof of my Driver 's License with my current address showing that I was indeed sending this letter. I received a letter stating I did not give proper authorization for a third party or XXXX XXXX to work on my behalf, which I believed to be a stall tactic, so I'm now filing this complaint.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I refinanced my mortgage with RP Funding in XX/XX/2021. I did get a letter in XXXX stated that my loan has been sold and RP Funding would be my servicer. I have paid my mortgage on time but I have never received any statements and I have sent XXXX letters asking for paperwork showing receipt of my mortgage payment. The worst part, my mortgage is not on my credit report.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 and XX/XX/2022 I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. Ive also never given this company permission to contact me and not only did this company contact me but this company contacted and harassed my family members as well which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me and my family. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-06-21
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. (MI)

Good Day, An Experian representative advised me to use an Experian portal located at Experian.com/Upload to upload proof to substantiate my claim that an inquiry should have been removed this month, XX/XX/XXXX. Instead, something unethical has occurred. Somehow, the information has been changed on the " XXXX  '' inquiry. The documents I upload will show that on a XX/XX/XXXX Experian report as well as on a XX/XX/XXXX Experian report that this inquiry was supposed to be removed this month, XX/XX/XXXX. However, when you look at the report that was generated on XX/XX/XXXX you will see that the information has been changed on this inquiry. Instead of being reflected as XXXX, it has been changed to reflect as XXXX XXXX. Also, the inquiry date has been changed from XX/XX/XXXX to XX/XX/XXXX. The removal date has been changed from XX/XX/XXXX to XX/XX/XXXX. 
I won't speculate to the potential unethical practice of Experian and/or not limited to the reporting creditor in regards to this matter. Furthermore, I requested my Experian credit report from XXXX and I had the opportunity to review it on Saturday, XX/XX/XXXX. On this report, neither inquiry mentioned above is listed. I will provide documentation to show this as well. Due to the conflicting reports, the many inconsistencies, the name changes, the date changes, and etc., this Inquiry previously reflected as XXXX, that is now mysteriously being reflected as XXXX XXXX, need to be removed as it was initially scheduled to be. 
Please advise and remove this inquiry as it should have been removed this month. Please note, that I already disputed and provided proof to Experian of the inquiry listed above that was to be removed this month, but instead, the inquiry information was changed. Experian did not resolve the dispute in my favor despite me providing evidence of my claim. This dispute was filed on or about XX/XX/XXXX. As a result of Experian failing to remove this inquiry, in spite of having proof, I am left filing a complaint with the CFPB to assist me with this matter. 

Best Wishes, XXXX XXXX
Consumer complaint received 2023-07-27
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. (TX)

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 reporting 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-12
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: 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 {$0.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-06-30
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: EQUIFAX, INC. (GA)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, OHIO XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX
Consumer complaint received 2021-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

From : XXXX, To : XXXX, Subject : XXXX XXXX XXXX Online Wire Fiasco Date : Sat, XX/XX/2021 XXXX pm XXXX, Here is the wire department case number XXXX. On XXXX I did an online wire for {$2000.00} to XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX. 
The wire was sent out at XXXX pm on the XXXX. 
I called on the XXXX as XXXX said no funds in my account. I spoke to an agent that morning. The agent said 3 to 4 business days for the wire to show in XXXX 's account. Thursday XXXX messages me- no funds in his account. I call an agent. They tell me it should be in his account by Friday. 
On Monday XXXX he messaged me- no money in the account and He was going with another Buyer. I called an agent again. I was told your wire department was working on it. The agent took my phone number XXXX and told me someone from the wire department would get back to me. 
On XXXX I spoke with yet another agent after not receiving any call from the wire department. He advised to wait until XXXX. I just got off the phone I spoke to 4 agents. I requested to speak to a supervisor. She after doing some research told me the wire department would call me back in two business days which would put me at Wednesday XXXX for someone to call me and it could take another 10 business days to resolve the {$2000.00}. 
Needless to say this is unacceptable. Ive been a WFB customer for a long time. Call the XXXX. I've done the voice verification. The automated response is very frustrating. Once I ask for customer service it asks what is the issue. I ask for customer service. After a wait I will get an agent. 
I'd like a response on Monday XX/XX/2021. If not I'm emailing all board members and cc'ing the FRB, CFPB, and FDIC. I'm very close to contacting my attorney. This letter is my attempt to resolve this before litigation. 
Sincerely,
Consumer complaint received 2021-06-21
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. (FL)

After discovering that my wallet was stolen I disputed these accounts on XX/XX/XXXX through XX/XX/XXXX and gained no results. I then decided to file a identity theft report on XX/XX/XXXX of this year. I did not know that my personal information was used to open these accounts and would like these unauthorized accounts removed from my credit. The following accounts are on Experian, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} increased to {$19000.00}, XXXX XXXX XXXX {$2100.00}, XXXX {$590.00} XXXX {$0.00}.
Consumer complaint received 2021-05-20
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: LendingPoint Holdings LLC (MI)

A loan was fraudulently obtained in my name from Lending Point LLC.in the amount of {$10000.00}. The proceeds were deposited in my Business checking account. I knew the perpetrator, he was an attorney from XXXX, Africa staying in New York during the pandemic. He told me that it was his personal loan, and since he was not a USA resident he did not have a bank account. I sent the funds to a third party, after he signed a letter of explanation to me stating the funds were his and they were not illegally obtained. 
I realized the fraud when I received an automatic interest payment from my business account. I reversed the payment and declared a fraud account. Lending Point has denied my request to classify the loan as fraud. I have filed a police report detailing the fraud activity.

I have cooperated with Lending Point LLC. The loan was obtained online, also to include a telephone interview on a recorded line. Lending Point admitted they know the persons voice taking out the loan was not my voice, they were different. It was their lack of oversight and overzealous desire to make a loan that lead to this activity, they should admit their mistake and charge the perpetrator accordingly.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Equifax ; XXXX and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2024-09-14
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. (NC)

I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (CA)

I am being charged for Experian credit report $ XXXX, billed twice a month to my credit card for the last 2 years. I never ordered the service and my attempts to contact experian have gone nowhere, as they keep telling me that I am not a member! I changed my credit card number, yet the charges reappeared on the new card statement. I have reached a dead end time and time again, and have been billed at an estimated {$1200.00} for services I never signed up for. I believe that my credit card number was used fraudulently, by someone else on 2 memberships and I am paying the bill without any way to cancel these charges with Experian, as I am not a member.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

I reported to my bank that someone had gotten my bank info and I recently cancelled my debit card because of fraudulent activity going on. Everything was okay until 2 days ago. I went to the bank to withdraw from my account and I noticed that there was a preauthorized debit transaction of {$1400.00} on my account that I didnt authorize. I did not have my new debit card at the time neither. I filed a claim with the bank and they said it will take up to 10 business days to figure it out. I have had my claims rejected in the past and they seem to not take it seriously. Im not sure where this transaction came from or who may have my information but I am very concerned about not getting my money back as this is the only account I have with Citizens bank and all my funds were stolen from my account. I want to take serious action and I also filed a police report and told the bank to put the report number in my case file so that whoever may be investigating my claim, can understand that this was most definitely not me and I have no idea why that amount of money was able to be taken from my account especially when I have no active debit card.
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

I made a payment via check to PayPal Credit on XX/XX/2022 for {$1900.00}. PayPal Credit is funded by Synchrony bank. Synchrony Bank has received the payment and it has cleared my bank. My official account statement dated XX/XX/2022 ( attached ) reflects this payment. My official account statement ( attached ) reflects my available credit in the account summary. However, when I check my credit limit is does not reflect my payment. When I called Synchrony Bank 's PayPal credit division and spoke with three separate customer service representatives I was told my payment would not be reflected for 21 days from the date of its payment ; then I was told it would clear on XX/XX/XXXX ; then I was told it would clear on XX/XX/XXXX, and finally I was told by the last representative that it would clear on XX/XX/XXXX. I asked to speak to a supervisor and was told that she could not explain why three representatives each gave me different clearance dates. I also asked why my official statement, dated XX/XX/2022 would reflect an available credit limit that was NOT accurate and was in fact misleading. It is my opinion that this practice constitutes illegal usury on the part of Sychrony Bank, or at the very least is inaccurate and misleading. Checking with the XXXX  file on Synchrony Bank, there exist over XXXX complaints in the past three years alleging illegal practices engaged in by Sychrony Bank, including the behavior I have outlined in this complaint.