davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2023-03-30
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. (AL)

On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This complaint is regarding a charged off account that is reporting on my Experian credit report. The account is XXXX - XXXX XXXX XXXX. This account should not be reporting on my credit report because this account was sold to a collection agency. This is double jeopardy to report the same account. Experian is also reporting incorrect payment history. The account was only late in XX/XX/17, XX/XX/17, and XX/XX/17, but Experian is reporting XX/XX/2017 and XX/XX/2017 which is incorrect. The data furnished is also inconsistent such as account numbers and last activity date. Not only are you in violation because this is a double jeopardy account, but for furnishing inaccurate and inconsistent data. I am asking for the removal of this account immediately. Credit report attached showing all of the inaccuracies.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (IL)

XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX Credit Reporting Agencies ( CRAs ) and Automated Credit Dispute Verification ( ACDV ). 
The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. 
As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XX/XX/2023, I formally closed my Citizens Bank checking account by speaking to XXXX at the customer service line at Citizens Bank who made ministerial entries to close my account with a {$0.00} balance after I wrote a check to bring my account to {$0.00} a few days before calling. However, despite notices that I closed my account with a {$0.00} balance, I received a mini statement 40 days later apparently indicating that my account may still be considered open as I was charged a {$9.00} service charge on XX/XX/2023 which is inappropriate for a closed account. My account was closed on XX/XX/2023 with a {$0.00} balance. Kindly investigate and take required action as no further activity is allowed after closing on XX/XX/2023.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Genesis Credit Management is working on behalf of XXXX XXXX XXXX  where I once resided the pandemic caused me to fall behind two months of rent at {$1500.00} for each month and she sent me a paper with my balance however we went to court and the judge put in agreement that I would move out and not have to owe her and case was disposed the owner however reported debt and she takes the amount up every time I dispute and now says I owe {$8900.00} or something close to that amount
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (CA)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2023-03-30
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. (FL)

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inagcurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : 1XXXX XXXX- XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2023-06-24
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

My mortgage went from round point to fifth third bank. I received a letter about the the takeover. However, the company has not been able to give me access to my account online for over three weeks now. I have not been able to make a payment because I can not access my account. Fifth third bank continues to tell me that they can not verify me and that I would have to wait 30 days to verified again. I have never experienced not having access to my consumer account in a timely matter.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On Saturday XX/XX/2022 I noticed my checking account balance was unusualy low...... .upon checking account transactions, I noticed a withdrawal in the amount of {$2400.00} by Chime4 which was not authorized and who I never done business with before. I contacted Chime at XXXX, I spoke with a gentleman, explained my complaint, he requested private information such as social security # which I refused to provide over the phone. Matter was not resolved since he could not help. I am XXXX XXXX XXXX on a fixed income, it is a significant amount to lose for me, please help, thank you.
Consumer complaint received 2023-03-02
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. (NJ)

I recently pulled a copy of my consumer reports and noticed the following personal information you have on file are IN ERROR my correct spelling name is XXXX XXXX XXXX. I DO NOT SPELL MY NAME ANY OTHER WAY.
Consumer complaint received 2022-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't recall applying for credit or employment with the companies listed. 

From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' From the 1998 FTC opinion letter XXXX at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$1000.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer-reporting agency from which the report is procured. '' 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (MD)

I have crypto currency assets that are in a XXXX  account. The only problem is that XXXX refused to verify me after I sent them my passport and went through their rigorous verification processes. 

XXXX required I make a wire transfer to my account to fully verify it so I could use their service and claim my assets, however, every single attempt to make a wire transfer failed : their bank XXXX XXXX deflected the wire transfers each and every time and I was not able to verify the account. Their staff were incredibly unresolving and also refused to help me any further. 

As a result of multiple attempts to make the wire transfer, I was responsible for paying fees to XXXX XXXXXXXX XXXX to use their wire transfer service. The total for the fees was somewhere around {$9.00}.
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Hello, I reached out to portfolio recovery associates on two separate occasions which I will go in to detail, I am working on disputing an alleged debt with the company. On XX/XX/2023 I reached out to the company through their provided email mailto : XXXX at XXXX pacific standard time I waited roughly 14 days for a response but nothing. So I sent another email stating To Portfolio Recovery Associates , LLC Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I received your letter communicating your attempt to collect an alleged debt that is listed below : Debt Collector Acct XXXX Alleged Amount/Balance - {$3500.00} Alleged Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX 

Be advised that I Deny and Dispute the Validity of this Alleged Debt Entirely. Your Communication attempting to collect this alleged debt was within 6 months. I REQUEST1.9K Verification of this Alleged Debt. I am REQUESTING a copy of a contract or agreement.

Contract or Agreement must be the with the original creditor and signed by all parties involved.

Understand that vou are illegally attempting to collect this alleged debt, that I do not owe. I am also requesting that you cease and desist all collection activities, including reporting to all consumer reporting agencies/credit bureaus. I also promptly request deletion of any and all ... reporting that was made to all consumer reporting agencies/credit bureaus. If you comply with my deletion request within 14 days, verification is excused. Also promptly send me a veriDislike letter confirming the request to all consumer reporting agencies/credit bureaus deletion of your reporting of this alleged debt. This letter and all other evidence may be provided to the Consumer Finance Protection Bureau. 

This email was sent XX/XX/2023 at XXXX pacific standard time. 


Same format for three separate alleged debt accounts held by the company. They have failed to provide original signed documentation from all parties involved not to mention are still reporting with all three major credit unions.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MD)

In XX/XX/2021, XXXX XXXX stock ( XXXX XXXX ) experienced a short-squeeze in which it increased in its value exponentially. I had shares in XXXX  XXXX  and Robinhood halted trading for XXXX stock to which I was not allowed to sell my positions ( and therefore make money ). 

This was a scam on Robinhood 's behalf because they falsely-advertised that their users are able to make money through buying and selling stock, but on the opportunity where I could have made a lot of money, I was locked out of selling my positions until the XXXX stock price went back down. This is illegal. Robinhood convinces people to open an account with them but misleads them into thinking they are protecting their users from market volatility when something like this happens.
Consumer complaint received 2022-11-16
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Company name is XXXX XXXX. I purchased a XXXX XXXX XXXX in XXXX and gave the vehicle back in XXXX, voluntary repossession. I spoke with XXXX from Credit acceptance she stated I still owe {$12000.00} even after they sold the vehicle for {$2500.00}. But before the repo it was {$15000.00} and im still receiving late payments on my credit report. How can i be responsible for late payments when i gave the vehicle back. I would like them deleted and blocked off my credit report. How is it possible that the original creditor can still report late payments? Thats a factual error and need to be deleted off my credit report. Its inaccurate information and unfair and seems a illegal
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

There is a XXXX XXXX XXXX credit card ( closed ) showing up on my credit report which is not my account. This account belongs to someone else and it shows be removed from my credit file.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/23 I deposited into the Wells Fargo ATM two checks. One was for the amount of {$16.00} and the other for {$260.00}. I inserted them both together and only the {$16.00} was credited to the checking account. I went inside to notify a teller of the mishap, she then gave me a number ( XXXX ) to make a claim for the error. When I returned home I called the said number. I spoke with a XXXX who said that she would put in a research claim and that they would contact me of their findings. I received a letter dated XX/XX/23 saying they're issuing a conditional credit while they research the matter. I saw the {$260.00} my my checking account so I didn't think anymore about it. I received another letter on XX/XX/23 stating that the money would then be taken from my account if I didn't get back with them by XX/XX/23. I had been trying to get a hold of the issuer of the check via phone and email but they weren't responding back to me. When doing my bank statement I noticed the {$260.00} was then deducted from my account. I contacted the claims department on XX/XX/23 and spoke with an XXXX and he didn't have a legitimate answer as to where the check went. How does it just disappear into thin air?
Consumer complaint received 2022-12-17
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Frontline Asset Strategies, LLC (CA)

I received a Collection on my report and call them when they sent me the mail. On XX/XX/2023 I reached out to the company spoke with a representative and explain to her that this was illegal and explain this account was closed in good standing. I went to a XXXX XXXX XXXX store during covid because I needed the internet for school and I signed up for their {$55.00} internet wireless device that I was able to connect multiple devices and stream movies. Well the sales representative and according to the agreement I had 30 day to try it out and if I didn't like it then your hands are clean. It was a trial base. Well it didn't work very well where I lived and took it back under the terms and agreement and they even issued me a refund for the device I overpaid. But now they say I owe {$160.00} for service fees. I informed them to send me the contract and bill and they have not done so. I also stated that this was a trial and those who got it like my friend did and he didn't get this charge himself. She told me that its a service for fee and I told her what the sales representative told me and she said no its not the equipment its the service. I told her she was not present during the conversation with me and the sales representative. They made me get the internet box and t a phone that I didn't need or use because it needed to be connected to data. Well come to find out that this was not true and the sales representative violated California Frivolous laws that protect from mis representation and lies just to make a sale. So she refused to send me the copy of the contract the bill.