davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 CXXXX 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 CARD XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account Numbers : 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 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

I opened a Low 's credit card XXXX I purchased a refrigerator in the amount of {$1700.00} on XX/XX/2021 even though I had not received and merchandise since the refrigerator was on back order, they charged my card immediately not having been delivered the merchandise. months passed with no refrigerator, so I canceled my order and was refunded. At that time the card had nothing on it. about 2 months ago I went to make a small purchase on my card at Lowes store # XXXX XXXX XXXX Colorado and my card declined so I called the direct # on the back of my card to customer service. They told me my card was closed due to possible fraud. So, I was transferred to the fraud department, and they told me they were going to send a new card. At that time, I found out my account was closed and re-opened a new card with a Georgia address. and she asked me about the {$7700.00} charge I had made there. I have never been to Georgia in my life. At that time the fraud department assured me not to worry that they caught the charge in time, and a new card would be issued, and I should receive in approx. 1 to 2 weeks. Never received new card. I called once again today to Lowe 's to inform them I had not received my card in the mail only to find out they had transferred the {$7700.00} charge to my new card when the already knew it was a fraudulent charge. The first lady I spoke to first was asking me very strange and suspicious questions as if she was trying to get me to say something that I should not say. The whole thing was very weird. Then I was transferred to the Fraud investigator 's I talked with XXXX I explained my discomfort speaking with the previous lady. I asked for a case # she said I would receive that in the mail. I then asked how I identify my case if I have to call back? She said use your new card #, I said I do not have a new card # so what is that? so, she said just use your old, closed card #. I'm thinking to myself this makes no sense. I told her I am not paying anything on tis card, she said, the balance will still transfer to the new card, but I don't need to make any payments. At this point I am not sure what to expect. Thanks
Consumer complaint received 2020-09-03
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
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: U.S. BANCORP (IL)

My Chapter XXXX bankruptcy was discharged this XXXX, 2020. After reviewing my credit report I see that my existing mortgage with USBank Home Mortgage is no longer reporting on my credit report. This loan was NOT included in the bankruptcy and is in good standing with all payments being made on time.

After multiple conversations with my local branch as well as the mortgage branch I have been told they no longer report once they have been notified that a bankruptcy was filed, even though this loan was not included. Now that it has been discharged, my expectation is that this loan now reports past as well as future payments so that future creditors can see that I DO have current credit.

Without my mortgage reporting I am unable to get further credit in order to establish a positive credit score.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 DP OF EDUC, # 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 an account without my written instructions.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TN)

Medical Data Systems is attempting to collect a debt for XXXX Hospital in XXXX TN when Insurance has already paid over XXXX dollars for what? I was told by the XXXX tech  the XXXX XXXX  all three were unreadable because the machine malfunctioned and was told my XXXX wasn't XXXX but because when they tested it in the past it was XXXX  as well it was okay ... does that make sense? Sounds like a lazy Dr. To me. I later had to have XXXX  XXXX  replaced in my XXXX  they missed it. I was there for 3hours they charged XXXX this is Gross over charging. And further more they turned me over to the debt collectors without contacting me Absurd
Consumer complaint received 2021-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc ( MCM ) {$360.00} I received a letter from Midland with an attempt to settle a debt in XXXX  XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. XX/XX/XXXX they sent another computer generated settlement letter and failed to validate within 30 days of my letter sent and computer generated verification but no information on what I was asking them to provide me to validate this debt. XX/XX/XXXX I sent a no response letter to Midland stating again what they failed to provide me. Letter received at the XXXX  of XXXX dated XX/XX/XXXX asking me to provide them what is inaccurate.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

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 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been receiving inaccurate information from TransUnion. The score does not reflect my credit history. I also only see the score on bank accounts but not on the actual website which I have an account in. When I request my actual report online or by mail, the site tells me that it is unavailable for months.
Consumer complaint received 2020-09-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (WA)

This complaint is against Specialized Loan Servicing, SLS, this is what is going on : We have paid this debt in full, and have actually overpaid them at this time. They continue to send us letters stating that we owe more money, even outrageous amounts of money that we never even owed. They will not settle the debt or close our accounts, we have made all payments, and I will show a breakdown of all payments below. 

If you look up Specialized Loan Servicing on XXXX, and on the XXXX XXXX XXXX, you will find many complaints against them that are the same as ours. 

We have all of our bank statements, and the statements from SLS, that show what our debt was, and what we have paid. We have paid them in full, the total starting balance of the debt was, {$39000.00}. XXXX made two large payments to them after they began threatening to foreclose on our home. This has been going on since last XXXX XXXX. 

Here is a breakdown of the debt and the payments we have made : ( I will also attach documents to prove this ) Original date - XX/XX/XXXX - amount owed to SLS - {$39000.00} First payment - XX/XX/XXXX - amount payed - {$17000.00} Second payment - XX/XX/XXXX - amount payed - {$7000.00} Third payment - XX/XX/XXXX - amount payed - {$1200.00} Fourth payment - XX/XX/XXXX - amount payed - {$660.00} Fifth payment - XX/XX/XXXX - amount payed - {$660.00} Sixth payment - XX/XX/XXXX - amount payed - {$5000.00} Seventh payment - XX/XX/XXXX - amount payed - {$9100.00} Eighth payment - XX/XX/XXXX - amount payed - {$200.00} Ninth payment - XX/XX/XXXX - amount payed - {$510.00} Tenth payment - XX/XX/XXXX - amount payed - {$85.00} Eleventh payment - XX/XX/XXXX - amount payed - {$56.00} So, when you add up all of our payments - we have now paid Specialized Loan Servicing - {$42000.00} - more than the debt originally owed. 

Please see the attached documents below, from our bank - XXXX  XXXX XXXX - and from the XXXX  and of course SLS. 

Thank you for your help with this matter. Please contact me if you have any questions or need more information. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I have become a wire transfer fraud on XX/XX/22 and happened to wire {$37000.00} and {$4000.00} to the fraudster account in XXXX XXXX XXXX  at XXXX ET from my local Chase bank in XXXX, XXXX Three hours later I rushed over to the bank again to stop the transactions and report the fraud at around XXXX ET upon finding out it was a fraud. My local chase bank assisted me in opening the claims and freezing all my accounts to prevent my money. I was told the Chase sent the XXXX recall request out to the recipient bank next day XX/XX/22 at XXXX pm ET. Since then nothing has been happening until today XX/XX/22 despite my continuous attempts to communicate with the Chase wire specialist team to stop further transactions. The Chase has been acting so passively in delayed manners just saying the recipient XXXX XXXX XXXX has not been responding towards their requests. I tried to communicate with XXXX XXXXXXXX XXXX myself since XX/XX/22, but they have been saying they only can communicate with my bank. It has been very frustrating that I have not been communicated/updated regarding such a timely sensitive matter while just blaming on each bank. The chase bank has told me my case may be closed since they dont hear anything from the recipient bank. I dont feel like my bank and XXXX XXXXXXXX XXXX have not been collaborating with me at all losing the golden time to resolve this matter. Please help me as this is an obvious fraud!
Consumer complaint received 2020-09-03
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 {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
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 ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo refused to answer our legitimate question ( XXXX ) to verify a deposit made into our joint XXXX  savings account. 

Question 1 : Did Wells Fargo make this deposit? 

Date : XX/XX/XXXX Amount : {$980.00} Company Name XXXX XXXX XXXXXXXX XXXX ID : XXXX Customer Name : XXXX, XXXX & Customer ID : XXXX Trace : XXXX Bank of Origination Name : WELLS FARGO BANK NA XXXX XXXX Bank of Origination Phone Number : XXXX Additional Questions : " We understand from your concerns that you received a deposit in your account at XXXXXXXX XXXX  from a Wells Fargo bank account and would like it to be verified. We reviewed this matter and found that you do not have authority over any accounts relevant to the concerns that you shared. '' 2. What does Wells Fargo mean when they stated " you do not have any authority over any accounts relevant to the concerns that you shared ''?

3. Wells Fargo needs to identify the statute that states my husband and I as signers of our own joint XXXX savings account do not have the authority to verify deposits made to determine if such deposits are legitimate and from the appropriate account of the issuer? 

4. Wells Fargo is making the assertion that I am not a signer of the joint XXXX savings account. " However, for security and confidentiality reasons, we are unable to provide you with any information concerning an account on which we do not show you are listed as an authorized signer. '' Please see attached signature card. 

5. Is Wells Fargo authorized to issue refunds on behalf of the XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX? 

XXXXXXXX XXXX has updated my name as signer to XXXX XXXX. Our XXXX XXXX XXXX indicates my marital name. See attached marriage certificate. 

Please respond in writing. We do not want to be called on the phone.
Consumer complaint received 2020-09-03
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-03
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)

Please see attachments. Per FCRA regulations, please delete the fraudulent XXXX, XXXX XXXX & XXXX XXXX  XXXX XXXX  accounts from my credit report. My identity has been compromised and is being used to adversely affect my credit profile. Experian has been negligent in their efforts to address this matter. PLEASE COMPLY WITH FCRA REGULATIONS AND DELETE THESE ACCOUNTS IMMEDIATELY!
Consumer complaint received 2020-09-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$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 ) 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. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.