davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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. (IN)

I was under the XXXX forbearance plan and XXXX XXXX reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that XXXX XXXX sent to me. ( See Attached ).
Consumer complaint received 2023-02-01
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, account and # XXXX has violated my rights. 

15.U.S.C 1681 section 602 A : states the rights to privacy 15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}
Consumer complaint received 2023-02-01
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. (HI)

Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics lettersXXXX are trying to stall me hoping that I will stop. XXXX.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX XXXXFiled a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX XXXX  as last resort before I Sue them.
Consumer complaint received 2023-02-01
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. (AZ)

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX  XXXX {$420.00}
Consumer complaint received 2023-02-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC (CO)

Release of Deed of Trust recorded XX/XX/XXXX. 

Certified mail sent to Shellpoint Mortgaging on XX/XX/XXXX. There is no contract with this corporation. No acknowledgment was received. Silence is acquiescence. No loan was ever provided and does not exist. 

Affidavit of Truth and Facts sent to Lawyer for NEWREZ LLC DBA SHELLPOINT MORTGAGING SERVICES XX/XX/XXXX via certified mail. Follow up email on XX/XX/XXXX. 

2nd party Affidavit of Truth also sent to Lawyer for NEWREZ LLC DBA SHELLPOINT MORTGAGING SERVICES XX/XX/XXXX via certified mail. Follow up email on XX/XX/XXXX. 

Lawyer for Shellpoint Mortgaging violates consumer rights by filing a XXXX before the XX/XX/XXXX response date and was filed against fictitious names that are Trademarked and not on the Quit Claim Deed or original Deed of Trust. 

Wet signature Quit Claim deed shows human beings lower case names are the property owners. American State Nationals per Dept of State have clear standing.
Consumer complaint received 2023-02-01
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: Specialized Loan Servicing Holdings LLC (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-02-01
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

To XXXX, Experian and XXXX-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, Experian, XXXX. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (NC)

My name is XXXX 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.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (PA)

-- THIS COMPLAINT IS DONE BY THE CONSUMER AND NOT A THIRD PARTY -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors. 
-- 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. 

-- They do not have my permission to report on my consumer credit report. 

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate. 

-- The following unauthorized inquiry is fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report this inquiry on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- ( XXXX. XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-02-01
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. (TX)

I just recently reviewed a copy of my credit report and noticed a couple of fraudulent accounts that I did not open or authorize. I am a victim of identity theft and need this incorrect information removed from my credit report. It is affecting the way I live and my children. Thank you.
Consumer complaint received 2023-02-01
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: Experian Information Solutions Inc. (CA)

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 and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX 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.

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, 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 2023-02-01
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. (CA)

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 and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX FINANCIAL XXXX  Account # XXXX XXXX. XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX 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.

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, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Around XXXX through XXXX of 2020, I had received funds through Venmo of around {$2600.00}. The funds were sent to me through a random customer who purchased a lot of clothing from me. I had attempted to withdraw the funds on the same day of the sale and my account was locked. I had contacted Venmo about this issue and they told me my account was locked for 180 days under a review. After the 180 days had passed, I had contacted Venmo and I was informed that my funds would not be released to me. I had made numerous email complaints and Venmo essentially told me that the case was closed and there was nothing I could do. Here is the exact statement written from a Venmo representative : " You are sending and receiving what we reasonably believe to be potentially fraudulent funds and using the service in a manner that have resulted in reversals. Specifically, you received a large number of payments within a short period of time immediately followed by withdrawing the funds. There is no prior history on your account of accepting several large payments in a short period of time and immediately withdrawing the funds. '' I had explained to Venmo numerous times that the transaction was due to a clothing sale. A person had purchased a lot of clothing from me and paid me in total. That is why the amount was high. As for the matter of withdrawing the funds immediately, who wouldn't? What reason do I have to keep that balance in my venmo account when that money was from a sale? Of course I would immediately transfer it to my bank account. I also want to note that I had over a years worth of transactions on Venmo prior to this large sale, so I was not a new user with XXXX transaction history. Venmo had also explained that there were reversals that resulted in a loss to Venmo. This is extremely one sided and unfair due to the fact that I had lost not only the money that I received from the sale, but the numerous designer clothing that I had sold as well. There was no form of flexibility in terms of a partial payment or a reinvestigation on the incident. It was simply I lost my money and there was nothing I could do about it. I am also writing this CFPB complaint 2 years after the incident because I had just discovered about the CFPB. I would like Venmo to give me my stolen money back.
Consumer complaint received 2023-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WY)

Eight months ago I applied for a dental credit card. I was denied by XXXX Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( XXXX ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from Experian. Experian was unable to supply specific reasons why, like XXXX. I attempted to call 3 times and you can not get to a real person. Its the same recording that XXXX has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc. (MA)

There is an account listed twice with First Financial Resources collection agency in XXXX, MA. Its a duplicate account that appeared twice. There should only be one account. Obviously this hurt my credit. I contacted the credit bureaus, who said First Financial resources was reported the account twice. For years only 1 account was reported. Magically in XXXX of XXXX the same exact account with a balance, date of service, and original delinquency date appeared. This new account had a new account number. I contacted them twice on XX/XX/XXXX. I emailed them all the documentation showing this account was a duplicate. I asked for a supervisor. But was not given one. I was told I would get a call back. But never did. They said they didnt have an answer. This is unacceptable. For a debt collection agency to clearly report an account twice and not have an answer as to why or where it came from is almost criminal. It has a direct effect on someones ability to gain employment, get credit extended etc. This company does not keep good records, communicate well, or follow up on extremely important matters. Management and the people who work there are inept.
Consumer complaint received 2023-02-01
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. (TX)

This is the numerous time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo bank claims my checking account was negative XXXX and they refused to unhold my account until I balanced out my account prior to them locking me out of my account my savings balance was XXXX dollars when I called to get my account unblocked they claimed my savings was only XXXX dollars and I was in the negatives in my checkings account Im the amount of XXXX when asked why they read me transactions that I transferred funds from my savings to my checkings to cover these transactions and it was immediately available to cover these transactions which left my savings in the amount of XXXX before they locked me out of my account in order to proceed and have my account back I had been told by there loss provention I need to visit a branch and have them transfer money from my savings to my checkings account and balance my account in order to have accesses to my bank account again which I did with a bank teller when asked by the bank teller if they would removed the hold they proceeded to tell the bank teller that they would have to place my account back on hold after I balanced my account when the bank teller asked why there only answer was become they have to and they had no explanation what so ever as to why I strongly believe they took my money and covered it up when asked about the transfers that I made from my savings to my checking account to original pay for said transactions that caused my account to be extremely negative they responded that apparently I never transferred anything which is suspicious due to my wife was right next to me as a witness when I made these transfers these events occurred between XX/XX/2023 and XX/XX/2023