davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act 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 2020-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and XXXX website says they receive Bankruptcy information from XXXX. 

I have received documents from XXXX regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my XXXX and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from XXXX. I have also reached out to XXXX and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and XXXX. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX XXXX due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached XXXX website as well.
Consumer complaint received 2019-11-02
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX
Consumer complaint received 2023-01-17
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. (CO)

On XX/XX/XXXX I spoke to XXXX banks and they informed me of information being reported by Experian AND XXXX that there was another social security number reporting from them. Ive been involved in identity theft for a while and Experian and XXXX have both reported other social security numbers as well as addresses that were inaccurate. 

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to Experian on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED
Consumer complaint received 2023-01-17
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Upgrade, Inc. (TX)

Upgrade XXXX XXXX BANK refuse to close my account and its been almost a year and I called on XX/XX/XXXX to close my account and they stated it will be closed in 30 days and its still showing its open as of XX/XX/XXXX and the rep said it restricted and I dont want this account mess up my credit reporting I dont owe anything on this account and Im asking them to close it
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX my dad initiated an international wire transfer from XXXX bank. He was charged a wire transfer fee. On XX/XX/XXXX, the funds hit my Chase account but there was {$15.00} missing. When the amount finally posted on XX/XX/XXXX, I was also charged an additional {$15.00} incoming wire fee from chase. 

They cant tell me why my wire amount had an additional {$15.00} missing. I called several times on XX/XX/XXXX and XX/XX/XXXX and also visited the chase branch on XX/XX/XXXX. They keep telling me XXXX charged an additional commission that was deducted from the principal. However I cant get anything from them in writing about what type of fee this was or why it was charged. I have sent and received wires before and usually theres just one fee charged to the sender and one to the receiver. Ive never heard of this commission and I cant get any direct answers from chase. I filed a complaint with them on XX/XX/XXXX reference no : XXXX ) but they said besides looking into in internally, they will not communicate with me the outcome of the complaint. These are predatory and unfair business practices as any fee or charges should be clearly specified and notated as such.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

BBT never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned BBT on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate BBT doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (IL)

I had my mortgage with XXXX XXXX. I went into covid Forbearance in XXXX of XXXX. I was current with my loan prior to the forbearance. In XXXX of XXXX, I did not extend my forbearance and was ready to continue my payments. at that time, XXXXXXXX XXXX was going to do a loan modification to add the lost payments to the back end of my loan. During that period ( XX/XX/XXXX ) my mortgage was then going to be transferred to LoanCare. 
XXXXXXXX XXXX was unable to complete the loan modification prior to Loancare taking over the loan. Loancare then started the modification on their end and stated that until my modification was complete and all documents signed, I would not make a payment. I received all the modification paperwork and sent it back and resumed my payments as stated in the modification ( XX/XX/XXXX ). 

Loancare has reported my 180 days late for XXXX, which was a period i was still waiting for the modification to be complete, XXXX and XXXX. I will attach documentation to show I have made these payments. The home that this loan is for will be sold next week ( XX/XX/XXXX ). Loancare has not been able to provide information to when this will be corrected and had caused my family to become homeless as i can not get a new mortgage until the negligent reporting errors are corrected.
Consumer complaint received 2020-05-14
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)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2021-09-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc. (GA)

1. The Merchant ( U.S. Auto Sales, Inc. ) presented the MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACT ( Exhibit A ) with false and misleading terms and conditions to obtain a security interest in the motor vehicle, insurance policies and proceeds, and other financing contracts for service or insurance, as the Merchant failed to disclose and/or apply the amount of credit extended to me, the Affiant, from my open-end consumer credit plan. The Merchant made completely false representations of the amount of the alleged debt, and fraudulently collected the incorrect amount.

2. Consequent of the willful and knowing failure of the Merchant to properly compute and disclose the Finance Charge, Merchant made patterned and continuous unauthorized use of fraudulently obtained credit card data ( Exhibit B attached ) ( for charges exceeding the Finance Charge by {$17000.00} ) as evidenced in both MOTOR VEHICLE RETAIL INSTALLMENT SALES CONTRACTS & Payment Ledgers ( Exhibits A-D ) using the same false and misleading language and practices to obtain money while retaining an inequitable security interest in the motor vehicle. 
3. The Merchant failed to include the insurance premium in the computation of the Finance Charge, requiring the Affiant to purchase insurance coverage out-of-pocket in order to take possession of the secured motor vehicle, further coercing more fraudulent and unauthorized collection and voiding the contract. ( Exhibits A & B ) 4. The Merchant collected a cash amount of {$2000.00} as a fee or charge, incidental to the principle obligation of the Finance Charge without obtaining express authorization. ( Exhibit A, page 2 ) 5. The Merchant regularly threatened to take non-judicial action to effect disablement of the motor vehicle without a present right to possession of the property claimed as collateral, the motor vehicle, as the motor vehicle was equipped with a disablement device ( starter interrupter ) that was programmed to disable the motor vehicle even after the Finance Charge was fully paid.

6. The Merchant did not apply any credits for the Amount Financed, to my payment schedule. ( Exhibit B ) 7. Affiant became aware of these Federal violations on 08/16/2021 during correspondence with the Merchant to request purchase records ( Exhibit E ), and corresponded for resolution on 08/18/2021 ( Exhibit F ).

An Affidavit is being sent by Notary Presentment to the Registered Agent, and Certified Mail copies of the notarized documents are being copied to XXXX XXXX, the CFO of the Merchant company, as well as electronic communication to the Federal Trade Commission.
Consumer complaint received 2022-03-02
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. (FL)

XXXX XXXX CO XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$0.00} are reporting on my personal credit file with ( Equifax/XXXX XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RENASANT CORPORATION (NV)

- XX/XX/XXXX : Application was accepted by XXXX XXXX, Mortgage Banker at Renasant XXXX XXXX. Close date was set for XX/XX/XXXX XXXX : Appraisal for the home was ordered. During this process the appraisal company selected by Renasant tried to request more money for an expedited service which was not needed to meet the agreed upon close date of XX/XX/XXXX. When the appraisal came in on XX/XX/XXXX and I was asked to sign a paper requesting an additional {$100.00} for an increase of cost for the appraisal I had already paid for. 
XXXX : Loan submitted to underwriting XXXX : XXXX XXXX, who was responsible for my closing process was asking for documents that I has sent in previously. 
XXXX : I received my pre-closing documents for a close date of XX/XX/XXXX. This would not allow enough time to get the necessary paperwork to the title company to close on time. By sending this package it makes the assumption that Renasant had all the necessary documents needed to close which I provided far in advance but clearly due to negligence was not handled properly. 
XXXX : The intended close date was set for XX/XX/XXXX and on XX/XX/XXXX I received an e-signing confirmation of my appraisal that Renasant had available on XX/XX/XXXX. 
XXXX : I am forced to extend my close date because Renasant was negligent in both managing the process and handling my documents to meet a timeline that agreed to which caused XXXX money to become at risk and the sell of the house to be in jeopardy. 
- XX/XX/XXXX : Because of poor controls in the underwriting review process I was asked to update my insurance coverage to meet Renasant 's requirements. Keep in mind the house was scheduled to close on XX/XX/XXXX and I am just now completing an insurance increase request. 
- XX/XX/XXXX : I am provided my closing details and I am notified by my Title company that under " other costs '' section F, line XXXX that Renasant is charging an unnecessary fee. 
- XX/XX/XXXX : I speak with XXXX XXXX, Vice President. I explained the process and how frustrating it has been working with Renasant and his team due to the lack of communication, the change in staff, and the inability to support timelines that were agreed to. He raised his voice and told me that he was sorry that I was frustrated but that he has been in the business for XXXX and that he was not going to change anything on the documents. This was clear intimidation and as a consumer I felt that given how far along we where in the process I has no other options but to proceed with Renasant even though it has been a terrible experience and I felt they didn't have my interest at heart.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion and XXXX  are reporting a closed collections account as still open, which is resulting in a derogatory mark on my credit score. I had an account with XXXX XXXX XXXX which was placed for collection on XX/XX/XXXX for the amount of {$79.00}. This account was paid in full and closed on XX/XX/XXXX. When the account was paid, XXXX XXXX XXXX contacted Transunion and XXXX  twice a month for three months requesting they close and remove the collections account from my credit report. I also disputed the account status with Transunion and XXXX  myself. While Transunion and XXXX  both show the account balance as XXXX ( and even have a closure date of XX/XX/XXXX on the account ), they still have not closed or removed the account as requested both by me and the collection agency, XXXX XXXX XXXX.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My ex boyfriend stole my debit card and took out {$200.00} that I didnt have.my account only had {$20.00} and he was somehow able to take out {$200.00} I immediately called the bank to file a dispute and filed a police report. They denied my claim when they shouldnt be able to let anyone take out money they dont have in their bank account, I want to close my account with them and get those {$200.00} back. I didnt not authorize my ex to use my card to get money out. I already filed a restraining order against him and I dont have money to pay back the {$200.00} that I didnt take. Please help.