davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
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 {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
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 ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2022-09-21
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # XXXX XXXX  XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Link USA, LLC (MO)

I was approved for a {$600.00} installment loan. I was to make a total of XXXX payments. The interest rate on this loan is 780 %. In XX/XX/XXXX, I made the XXXX payment and had already payed {$2000.00} at this time. I called their customer service department and the lady I talked to told me if I made 1 more {$410.00} payment then the loan would be considered payed in full. I did not have that payment at the time so I defaulted. I tried calling back 3 months later and I was told that was a one time deal. I have tried working with XXXX or XXXX to put all debt together so I can pay everything off. I find out today ( XX/XX/XXXX ) that Cashlinkusa has sold my debt to a debt collector office called XXXX XXXX. ( XXXX ) XXXX. They informed me that the interest is still being added even though I have not received anything from either company. I was informed that I now owe {$4100.00}. And that's on top of the {$2000.00} I have already payed. So in total, I took out a {$600.00} loan and I am being told I have to pay a total of {$6100.00} back. I have the email from XXXX XXXX showing all this information and the original Loan agreement as well as proof I have already payed {$2000.00}.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

I called Wells Fargo to ask them to close an estate account and transfer the funds to either my checking or savings. I was told no problem. Then they hit a snag and i was put on hold. They said due to the size of the amount $ XXXX they would not be able to transfer and that a cashiers check would have to be issued, I told them that was not an option as i needed the funds available to me now. I then asked since I was told the limit was XXXX to transfer the amount of {$9900.00} and the cut the rest in a cashiers check. I was told that since the bank account was closed there was nothing they can do. But wait? I never confirmed the bank account to be closed. I asked for it to be closed and my funds to be transferred. I went through 3 " escalation '' departments to receive the same answer from everyone. I can not have my funds today, it will take 2 business days. ( not what i asked for ). I asked for the account to be uncancelled, and was told that was also not possible. I asked for them to issue the money and remove it from my account as a payback, I was told that was not an option. I asked if any late fees or hardships are to result in my not having my funds today, what is the penalty to the bank? I was told nothing. In a super sweet customer service voice with tons of apologies I was told a complaint was submitted and it would take 1-2 days at the earliest to hear back from them. I simply asked for a resolution to an issue they created and they had none. I never confirmed for my account to be closed, I never was read disclosures, and I was unfairly treated. Wells Fargo provides zero resolutions to issues including and most importantly ones they create. I would love for them to be penalized to the highest extent of your service.
Consumer complaint received 2022-09-24
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. (KY)

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX and Equifax have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, Equifax Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX   XXXX and XXXX, XXXX, and Experian have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX XXXX, XXXX continues to report this account inaccurately ( balance ). Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information. I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Consumer complaint received 2020-05-04
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. (NV)

I was denied from getting a XXXX credit card today XX/XX/2020 because apparently there are accounts and inquiries reflecting negatively on my credit report. I had no idea that these accounts and inquiries were on my report before today because none of them belong to me. The accounts are from XXXX XXXX XXXX XXXX XXXX XXXX and the inquiries are from several different companies. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not contribute to any payments made towards any of these accounts. I have already filed a police report regarding these unauthorized accounts.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

A tree fell on my roof and the snow melted leaving my bedroom filled with black mold. When the maintenance removed the branches they broke my window. My attorney reached out no response for months. I moved.They kept my XXXX deposit and charged me XXXX. Therefore, I filed a civil lawsuit and I am prepared to ask for the maximum amount for damages. This is on my credit but there is no judgment from the court. This is an open case in XXXX County Magistrate Court naming XXXX XXXX XXXX as the defendant. You cant put this on my credit before the judge makes a ruling that I owe it.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

On XX/XX/XXXX I sent a payment to a PayPal user name XXXX XXXX, email assigned to this user name is XXXX and the person uses the name XXXX XXXX. I foolishly sent the money via Friends and Family, but should have sent it as Goods and Services Amount stolen was only {$35.00} I know this is my mistake, but thought I should report this person as a fraud
Consumer complaint received 2022-09-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (PA)

XX/XX/XXXX I received a notification fromMRS BPO LLC asking which of 3 options listed would I like to statuary my debt to XXXX XXXX XXXX. This is a debt I have disputed in the past due to the high amount however XXXX could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total. 
I received the packet from MRS. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a PPL account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the XXXX loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account. 
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry. 
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called MRS at XXXXXXXX XXXX  ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours. 
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.
Consumer complaint received 2022-08-20
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Respected Commissioner 1. I have requested the Wells Fargo bank for PMI cancellation and the bank advised me to take an appraisal done by its own chosen company ( details are attached ). Just after making the request, I was getting multiple phone calls and mails from the bank for me to hasten the process. I was also given only 1 month time window to do the appraisal. Ultimately I have paid {$550.00} towards the fee and done the appraisal. 
2. The appraisal amount came to be nearly XXXX above my original purchase price just over a year ago, much above the 80 % threshold to get away the PMI. 
3. Upon enquiry after the appraisal, the bank refused to cancel the PMI, stating that no significant improvement has not been done on the property, and that is the only circumstances on which the PMI cancellation can be considered. 
4. I feel that the Wells Fargo bank is doing business in an unethical manner and not in good faith- a possible violation of the Truth in Lending Act. 
5. I request you to intervene. 
Thank you Sincerely XXXX XXXX
Consumer complaint received 2020-05-04
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. (CO)

I tried to co-sign for my grandson to buy a car today XX/XX/2020 and I was unable to do so because I was told that there is an account from XXXX XXXX XXXX reflecting badly on my credit report. This account does not belong to me nor did I allow anyone to open this account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I have no idea who could have opened this account in my name without my permission but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-05-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (MI)

I have asked what can be done and if I can get a deferment which is so I can have more time to pay the mortgage and they declined. I am unemployed due to COVID19 and I am waiting for court because I am getting divorced so I'm not sure the house will even end up being mine.
Consumer complaint received 2022-08-20
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. (TX)

I sent a investigation letter to XXXX, XXXX and Experian to please investigate every piece of information is correct and 100 % accurate if not please remove it from my credit report.I got the results and The credit bureaus stated that these accounts XXXX XXXX account number XXXX and XXXX XXXX also knows as XXXX XXXX and XXXX account XXXX is 100 % accurate but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 14 U.S.c 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I havent give these accounts written permission to furnish these account on my credit report 15U.S.C 1681 ( A ) 4 states there is a need to insure that consumer reporting agency exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy. 15 U.S.C 1681 ( I ) ( 5 ) treatment of inaccurate of unverifiable information They didnt do the proper investigation.If after Reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not verified, the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify that item of information as appropriate base on the results of the Reinvestigation. I called each credit bureaus 3 times to let them know they or in violation of these accounts and delete them immediately they said no. I dont want dispute these accounts I want them deleted plus a XXXX dollars per violation I have challenged and dispute these accounts 4 times they are in violation
Consumer complaint received 2020-05-04
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. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OK)

Currently my bank has been holding every check I deposit for 5 days regardless of the amount. I have banked with them for over 30 years and have not had this problem until recently. When I called to discuss, they claim it is the Federal Reserve who tells them to hold checks and not on their end. I find this a bit excessive.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 
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 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Sections 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

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 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