davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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, XXXX XXXX I 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 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

My mortgage company, AmeriHome Mortgage sent notice they did not receive a payment from XXXX, XXXX or XXXX. This is false as I have the bank statements proving payment went through. They have not credited the account and are in error. I just want this resolved so I am not put falsely in default by their mistake.
Consumer complaint received 2021-06-02
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. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Consumer complaint received 2021-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (TX)

A medical XXXX company is trying to collect a debt for services that I nor anyone in my family received. We do not nor did I or my family live in the state durning the time they are trying to say they provided services. We have asked the 3 major credit reporting companies for a couple years now to please dispute this, if we could call in or provided documentation of us living in another state. We have bought a house, car major bills all in another state for years and durning the time they are saying we had services. This is ruining my credit. I want to know how else I can personally ally prove this is not me. Everytime I dispute with the credit bureaus they never ask us for any proof they just say the company came back and said this is our bill and the collection will remain. This company has started to call random people they think we know and give our personal information out and we know that is illegal in an attempt for us to call and pay them. I will not pay for a service that was never provided.
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whomever it may concern, The actions of XXXX XXXX  and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX XXXX. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX XXXX  has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX XXXX, as well as the previous dispute.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I was trying to complete a refinance with XXXX XXXX XXXX started XX/XX/XXXX. They were inquiring about the forbearance started with 5/3 bank in XXXX of XXXX. 5/3 advised me that my forbearance would NOT count against me, because it was started under a covid disaster forbearance. When conducting a verification on a taped line XX/XX/XXXX with XXXX XXXX the representative stated that during my forbearance there were 4 ( 120 days ) missed payments. The 5/3 rep stated that improperly and then tried to back track her statement. The 3rd party verifying company put into my file that I was 120 days late off of the improper information of the 5/3 rep. This adversely caused XXXX XXXX to terminate my loan application. I was suppose to close this Wednesday XX/XX/XXXX The other issue is when you come out of forbearance they ( 5/3 ) advise you to make 3 trial payments as a temporary program until your loan mod is completed. Those payments are XXXX, XXXX, and XXXX which don't get reported I guess and then the loan XXXX is completed in XXXX. They move XXXX 's payment to the back of the loan just like you guys will when this loan closes which is why my 1st payment is XX/XX/XXXX. Which is in the letter I sent. The system will let me log in, but I can not access the trial packet anymore. I sent a screenshot of the website. When the third party rep talked about chargeback, 5/3 bank activated XXXX bill payer without my knowledge and overdrafted my account in XXXX not XXXX. I contacted them in the letter afterwards and stopped the autobill payer. The chargeback was for XXXX 's payment NOT XXXX. XXXX 's payment was made on the XXXX thus again there isn't a 120 day late period. The 120 days is the loan modification trial plan period that if you don't follow they won't modify your loan in the first place. Again these trial payments don't get reported. The rep from the private company again never asked any questions to clarify and just put whatever he wanted in the file. I received the verbal denial XX/XX/XXXX. The written denial I have not received yet. XXXX XXXX has the audio recording of he telephone calls.
Consumer complaint received 2023-08-19
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: Affirm Holdings, Inc (OH)

In accordance with the fair credit Reporting act Affirm Accounts # XXXX  / # XXXX / # XXXX / # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (TX)

I made payment on account A card the payment was applied to account B card for months XXXX, XXXX, XXXX, XXXX, and XXXX all of my payments where paid on time each month. The Credit Card Company reported to all three credit bureaus late on credit card A and sent to collections. I call called Credit Card company they made correction and had me contact your agency. They made the correction on there side of this issue. I have bank statements and confirmations showing payments to credit card A.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; 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 2022-09-16
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. (VA)

This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Transunion. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX XXXX XXXX. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the XXXX data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Transunion and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.
Consumer complaint received 2023-06-01
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. (NE)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I purchased a vehicle from US Auto Sales in XX/XX/XXXX. The first 2 months I had no issues. So, I went to try and trade my car in because US Auto Sales wanted nothing to do with me once I purchased my vehicle. If i was not calling about making a payment, they were very dismissive. I ended up taking my car to XXXX and XXXX and they stated they wouldn't be able to take the car without $ XXXX or better because the car has so much negative equity. I showed my contract that I had with US Auto Sales and almost everyone said the exact the same thing. When informed, I was overpriced and my payments are excessive, I immediately called US Auto Sales. Again, I was dismissed and actually hung up on a few times. I've always said after that experience I would NEVER refer ANYONE to them. The times I would make my payment, my car would beep and then be off by the next morning. They've turned my car off on me at gas stations, work, doctors appointments, and i wasn't even past due just a " system error '' on their end. It was always something with them. And here they are now facing a lawsuit. WELL DESERVED! I knew something was not right about them, but they were literally the only company that approved me, when I was in XXXX need of a car. They prey on vulnerable individual 's. {$480.00} sometimes when i would call it would be {$590.00} A MONTH for a XXXX XXXX XXXX and was priced for {$23000.00}. If I knew THEN, what I know now I wouldn't be filing a complaint. Thank you all for taking action against this company, I'm grateful for that alone, clearly they've been doing this for a very long time.
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was offered to get paid by someone acting as if they worked for XXXX XXXX XXXX XXXX XXXX XXXX. They sent a check for {$3600.00} on XX/XX/, from XXXX XXXX XXXX XXXX in XXXX XXXX and the check bounced so when I paid for the installations on XXXX XXXX XXXX  I lost that money from my own account. I acted on the matter on Cash App by reporting the scam and requesting a refund but I was declined.
Consumer complaint received 2022-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was scammed online and had sent payments through Zelle with my XXXX XXXX. I disputed all transactions and still havent gotten my money back. Please help me. I sent payments on XX/XX/XXXX and XXXX. XXXX of {$100.00}, 2 payments of {$200.00} and 2 payments of {$400.00}. The scammer had asked me to deposit XXXX into my account and sent it to them through Zelle. Little did I know those same checks that were deposited into my account for their transfer had be returned to them which made it deduct {$1500.00} out of my hard earned money.
Consumer complaint received 2023-01-29
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. (KY)

In accordance with the XXXX XXXX XXXX act. The list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 's & numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also state 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 then seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I know I had other unauthorized withdraws on my account that I got money back for but i did what I was told by XXXX and XXXX on this latest one and I want my almost XXXX  dollars back cause I did not do the transaction and never authorized it ... .the money was taken and j contacted XXXX and XXXX and was told to contact my bank to get it back but wells fargo refuses to return my money and instead closed my accounts but I also see that I am not the only one who has had issues with wells fargo and filed complaints ... ..just give me my money back... 
I guess according to wells fargo it's okay for people to steal money out of customers accounts then blame the customer for it, such a banking practice ....
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OH)

This company is trying to collect a debt from me that I do not owe. I have written this company twice and they refuse to respond to me or take any action. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE {$110.00} FOR A COLLECTION. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with USAA, XXXX XXXX, and XXXX  XXXX XXXX before all this happened. In reference to USAA, I was dealing with the death of my little sister when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times moving forward and told I could continue my insurance services with them but not banking services. I filed a total of XXXX re-reviews and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX report but XXXX XXXX report as well. Happy to feel like I was getting somewhere I was able to open an account with XXXX just to find out it was flagged and closed XXXX days later because USAA reported back to the XXXX XXXX XXXX that the information I disputed, and they removed was indeed correct and requested they add it back to my report. At this point I feel like I've ran out of options & have been put in a worse position because unless I have additional documentation to provide the XXXX XXXX XXXX to dispute what was already disputed once before and added back then they will deny it every time and I am desperate. I've been a member over XXXX  years with USAA and to be treated like the accuser instead of the victim is sickening to me. The fact I have to go through all this extra stuff and was put in a worse off position than I was when I started honestly makes me not even want to keep my insurance services with them or do business with them at all.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong 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.