davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX FUNDING XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2022-08-08
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. (TN)

XXXX was able to delete this debt. What are you showing that proves and keeps you from deleting this debt? If you can not show me then you must follow suit and delete this debt as well. Also in accordance with The Fair Credit Reporting Act XXXX XXXX  Account # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I didn't give written permission. They didn't do a fair investigation. Everything was not 100 % accurate.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (AR)

Because my card number was stolen for the third time, I reported the fraud and cancelled the account with Comenity Capital Bank in XXXXXXXX XXXX. They researched and finally decided it wasn't my charge and closed the account in XXXXXXXX XXXX. In XXXX, I received a payment notice with interest, on a balance I did not owe. On XX/XX/XXXX, I called and had the account closed by agreeing to pay {$70.00}. They deducted that amount from my bank account. Now it is the end of XXXXXXXX XXXX, and they are still sending me statements saying I owe an additional {$32.00}!! I owe nothing as the card was cancelled in XXXX, paid " in full '' on XX/XX/XXXX! And their automated assistance will NOT allow me to speak with someone to confirm all this happened.
Consumer complaint received 2022-08-08
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. (NJ)

I traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my Experian, XXXX and XXXX credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. XXXX XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.
Consumer complaint received 2023-04-08
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. (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. 

Account name : XXXX XXXX  Account number : 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 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 2022-11-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

This is not a duplicate complaint but is related to According to the Hamp modification the lender is allowed to add etc. they are also required to credit unapplied payments. 

I paid XXXX payments to two other servicers I believe XXXX XXXX just made me pay again. Less XXXX escrow to XXXX XXXX  Both of these loans were at XXXX and I believe they were both included in a XXXX refinance with XXXX XXXX. But because this was done without my knowledge or consent I continued to pay for a va loan eventually transferred to XXXX XXXX  {$260000.00} was a payoff XXXX  made to first XXXX  for a loan paid off twice.but this first XXXX  loan was for XXXX. But when it released it had already been foreclosed for a loan that was never in default I had however paid off the XXXX loan ( after 345 monthly payments and {$1600.00} final balance ) XXXX XXXX for XXXX XXXX and XXXX for XXXX XXXX XXXX. 

I found a XXXX release for a property I paid off in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # Bankruptcy XXXX Bankruptcy 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 2022-09-24
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$920.00}, XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : 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 XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Shore Financial Services, LLC (CA)

United Wholesale Mortgage is mistakenly reporting me late. It has been over 60-days since I have been trying to resolve this issue with no success due to United Wholesale Mortgage lack of correction. I recently spoke with multiple representatives at United Wholesale Mortgage and they all agreed with me and even stated that they had notes on file regarding this situation. I called to update my auto pay back in XXXX 2021. The rep at the time did NOT inform me that a manual payment was required before my newly set up autopay would kick in. For this reason, I was assessed a late on my mortgage. Once I found out, I satisfied my obligation right away. I had full intent and even set up auto pay with the rep. I completely understand that it was an honest mistake by the rep but I shouldn't be punished for that mistake. I kindly ask for United Wholesale Mortgage to rectify the late payment XX/XX/2021.
Consumer complaint received 2022-08-13
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. (PA)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX  account # 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 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (LA)

I was contacted by XXXX XXXX about a debt. I checked their site to see what the debt supposedly was and it shows an account that has been paid off since XX/XX/year>. I have the letter showing the account is paid off. I also contacted the original creditor and the original collector I worked with years ago and they verified this is paid. Both also commented that even if it wasnt, this debt is so old that XXXX XXXX shouldnt be calling in the first place claiming they are taking legal action. XXXX XXXX claims something like an address change can restart the statute of limitations on a debt, how youre not allowed to dispute the debt, etc. which is interesting and from my understanding, not true. I spoke with someone at XXXX XXXX and told them I do not owe this debt and the circumstances. He asked that I provide proof to their email, which I did so. Since then I have received more calls, text messages, and voicemails from this company.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The sports betting website XXXX XXXX fraudulently charged my card for {$1500.00} on XX/XX/XXXX. I contacted Bank of America within a day of the charge being made, and in the two weeks following my initial dispute of the charge I called two additional times as the claim was being reviewed ; each time, representatives assured me that Bank of America would resolve my claim, and I would receive the {$1500.00} within 24-72 hours, and this was a lie, as they denied my claim. I have never in my past spending history spent any money on sports betting, which Bank of America would have realized if they properly researched my account history, which again indicates that this charge is fraudulent. My account only had around {$1800.00} at the time of this purchase, so the the {$1500.00} charge drained my account almost completely of its funds. Furthermore, after reading Bank of America 's claims decisions it seems they had not properly contacted XXXX XXXX to get information regarding this fraudulent purchase, or traced the IP address of the purchaser.
Consumer complaint received 2024-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/year> and XX/XX/year> a customer of XXXX XXXX XXXX which is I own received payments from a client who I had a signed contact from the client that he would pay for the consulting services. The bill was {$4000.00} but he was to make in payments. It turn out that XXXX XXXX XXXX could not help him with any financial assistance because he had fraud documents. 

The client ended up calling XXXXhis bank and disputed the 2 times he sent monies to my account. No I did not have to refund him. 

However instead of WELLS FARGO protecting me and my account they closed down my accounts ( BUSINESS and PERSONAL ). Its like they penalized me for him being fraud. The zelle was connected to my business account. 

I need understanding as to why my accounts got closed down. It should had been his accounts. 

Thank You XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (NY)

This is my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, XXXX sending over an Identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Pursuant of FCRA section 605B ( a ) ( XXXX ) ( XXXX ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. XXXX XXXX XXXX XXXX, NY XXXX, XXXX CARD XXXX
Consumer complaint received 2022-09-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation ( received in XXXX ), here is my certified mail tracking : TransUnion - XXXX - Delivered XX/XX/XXXX, XXXX XXXX XXXX XXXX - Delivered XX/XX/XXXX, XXXX XXXX  - XXXX - Delivered XX/XX/XXXX, XXXX