davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (MS)

XXXX, TransUnion, XXXX violated : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 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. 

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my report.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I've been disputing this debt with this company for over the past year and they keep verifying a debt that they haven't sent me proper proof of.A printout of a bill is not proper validation and until the company can provide proof of debt that I asked for they need to cease all collections and remove negative information from my credit reports.
Consumer complaint received 2020-05-16
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 {$17000.00}, {$8500.00}. 
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. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} XXXX -This is not my account.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (GA)

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

XX/XX/XXXX, XXXX {$15000.00} ( {$14000.00} ) Dispute by me Consumer disagrees XX/XX/XXXX, XXXX {$1800.00} Dispute by me Consumer disagrees XX/XX/XXXX, XXXX {$2300.00} Dispute by me Consumer disagrees 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

I initiated a transfer through western union to a relative bank account in XXXX and western union placed the money on hold and wanted an Id for my relative my relative submitted the id a couple of days back western union refuses to release the money even after that I told them to just refund it and they keep saying give the is and refuse to refund the money the tracking number is XXXX  XXXX Picture was emailed to my Id for the western union site
Consumer complaint received 2022-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TN)

I filed for bankruptcy in XX/XX/XXXX. At the time I filed all my mortgage payments were current. I DID NOT include my mortgage in the bankruptcy and continued to pay it directly to Caliber, outside of the bankruptcy. In XXXX of XXXX, I received an escrow analysis and refund, stating my payment would be modified downward due to a change from the previous year ( XXXX ) in my homeowners insurance and premium that went down significantly. My bankruptcy attorney instructed me to continue to pay my old payment, even though it had been lowered per my statement from Caliber Home Loans, until he had a chance to confirm because he stated that they had also just filed a claim against my bankruptcy for an escrow shortage ( they claimed my escrow account was short by {$3200.00} )??? According to the escrow analysis and refund they had sent the month prior, there was no such shortage? I continued to pay the original mortgage amount until XXXX when my attorney instructed me that the amount was somehow correct and would be paid through the bankruptcy trustee payment I was making, so I could begin to pay the amount shown on the monthly statements I was receiving from Caliber. I was upset by the fact that they could do this and I had seen no proof of a supposed escrow deficit. By this time, I had paid an additional $ XXXX a month for 5 months, and so they said I had no payment due as I was overpaid at that point!?! The amount began to change every month on the statements I received from them from that point on. I continued to pay more than what the payment amount was, if I could, each month. Fast forward to the XX/XX/XXXX statement they sent me and it shows them reversing 4 months of payments I made from XX/XX/XXXX through XX/XX/XXXX and saying that I now owe {$11000.00}???? And they have yet to show me in writing, or my attorney as far as I know, how they arrived at the escrow deficit they say I owed last year AFTER they had sent me a refund??? I feel that something is not right and they are trying to force me into losing my home somehow and they are collecting more money through the bankruptcy payments than what I actually owe. I worked with them for months trying to get a loan modification in XXXX and they denied it. They have never given me straight answers and each person i talk to gives me differing information! I want my entire mortgage audited and to know how they can file these things with no proof that it was owing or that I was in an escrow deficit in any way!!!!! Criminal and unethical at the very least!!!
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Consumer complaint received 2020-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I filed a complaint and received a conclusion on XX/XX/XXXX. Of course, Chase did the investigation on elder discrimination and continue to ignore processed payments to them to state three months behind. Chase concludes the payment missed in XX/XX/XXXX. But I am still noted according to Chase three months behind this year XXXX. Chase did recognize my XX/XX/XXXX payment of {$640.00}, XX/XX/XXXX payment of {$640.00}, and XX/XX/XXXX payment of {$640.00} but ignores the payments on XX/XX/XXXX, payment & XXXX and XX/XX/XXXX. I want to understand why Chase continues to omit my XXXX and XXXX payments. I alleged Chase continue to ignore the payments to justify three months behind to foreclose on the home. The one-month payment behind was XXXX of XXXX and payments were given twice in XXXX. I am XXXX years old and one of the chase representatives did allege my house would be taken. I alleged Chase trying to go back few years to confused and create a lie. I do agree with going into XXXX one payment behind. I do not agree with missing three payments in XXXX. I alleged Chase is ignoring my XXXX and XXXX payments to put me three months behind.
Consumer complaint received 2020-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (OH)

As of XX/XX/2020 a medical debt of {$870.00} appeared on my credit report. I had no idea what this was pertaining to so I contacted the agency. I was advised the incorrect address was on file and since I did not receive bill notification the reporting would be removed and a payment plan could be set up. The account is still being reported causing a tremendous decrease in my score. Im willing to settle or pay in full with arrangements with a promise of credit report deletion.
Consumer complaint received 2020-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

This bank has been calling 5-7 times each day, including Sat. and Sunday, for several weeks now. I have never answered these calls. These calls are nerve racking because they are constant. I have contacted a company who is handling my credit card accounts, and will try to negotiate a settlement with the creditors, however they won't contact them until the accounts are 4-6 months past due. 2 days ago I received a letter from them, which I have to sign for, but I was not home and don't have it yet. These calls are from one creditor which is Synchrony Bank, XXXX. XXXX XXXX, XXXX FL XXXX Ph # XXXX
Consumer complaint received 2022-12-07
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: Bread Financial Holdings, Inc. (FL)

My payments and updated balance have not been reported by XXXX  to any of the XXXX major credit bureaus, from XX/XX/2022 to present ( XX/XX/2022 ). 

Correspondence is attached below, and dated XX/XX/2022.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX  ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX, ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( U.s. Department of education ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX  ) Account # XXXX ( U.s. BANKRUPTCY COURT Case # 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 2020-05-16
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: Resurgent Capital Services L.P. (AR)

I recently received an alert on my credit report and noticed an account I've never had or opened. The name of the account is listed as LVNV Funding. I have been is dispute with the credit bureaus over the past several months in regards to fraudulent accounts appearing on my credit file due to identity theft. Most of the accounts have been blocked from the bureaus but for some reason this account is now showing up on my report. I never received any initial 5 day notice in the mail as per the Fair Debt Collection Practice Act requires. At this point LVNV Funding is in violation and this account must be removed immediately from my credit file. I've never received any goods, services, or money in relation to this account from LVNV Funding or XXXX XXXX XXXX.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MA)

The company is reporting incorrect information on my credit report and refuses to remove it, even though it is demonstrably incorrect. Specifically, the company is reporting that I made one late payment in XX/XX/XXXX. This payment was not late. In XX/XX/XXXX, I requested that the company opt me into automatic payments and that the company provide a credit interest refund to my account. The company provided the credit interest refund. They confirmed via phone during this conversation that the automatic payments were indeed set up, but I later found out that they were not.
Consumer complaint received 2022-05-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation (AZ)

On XXXX XXXX2022 Bridgecrest reported an open car loan of {$20000.00} which is inaccurate factual reporting. It is a discrepancy on my credit file that I have been fighting for a month on the XXXX  XXXX XXXX. XXXX reported it as a " repossession '' when in fact it was inaccurate reporting. How can that be when I barely had the vehicle less than 2 weeks?? XXXX delayed the delivery date by a month. Continuously reporting of different delivery dates, they are reporting I am 2 months late on the loan. If they deemed it so, then why am I getting a late payment status? If as a repossession, then why am I marked as late payments as of today? I gave the vehicle back in its standing condition they gave it to me & Bridgecrest openly admitted unwind/ reversing the contract. I have a letter from XXXX stating that Bridgecrest backed out of the loan. Both companies openly admitted fault on false reporting. The account you are reporting is identified a " repossession '' is unacceptable and incorrect. How can I be behind on payments that was " repossessed? '' That is impossible to default on payments after the fact! I have the right to an accurate/ correct/ precise/ lethal credit file. Discrepancies, inconsistencies, deviations, lack of congruence, and obliviousness is quite insulting and discrediting to the hard-working American people. Immediately remove this from my account. Like I said, I have the right to an accurate, true credit reporting and this is so disgraceful and unfair reporting. Remove it at once!
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

Consumer Financial Protection BureauCase # XXXX and XXXX Citi Reference Number : XXXX This is in response to your letter of XX/XX/XXXX, which was sent to me by email in response to my inquiry through the Consumer Financial Bureau. 
In particular your letter quote that my AT & T Universal account ending in XXXX was permanently closed by Citi due to one or more late payments or returned payments in the past six months. Copies of our letters dated XX/XX/XXXX and XX/XX/XXXX are attached for your review. 
I did not find the attachment of the letters. Also upon checking my AT & T statements I did not find any late payments or return payments for the last six months before its closure. 
On the XX/XX/XXXX statement, it shows there was a return check fee of {$29.00} which was actually dated XX/XX/XXXX and the XXXX totals year-to-date is {$29.00}. On the XX/XX/XXXX statement, the XXXX totals year-to-date remains {$29.00}. So, that is no fees charged throughout XX/XX/XXXX to XX/XX/XXXX. So the reason for closing the AT & T account for late or return payments do not stand. 
As the account was closed for a reason that is not true, I request you to reopen the account to correct your mistake.
Consumer complaint received 2020-05-17
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. (CA)

I am in process of buying a home and in the middle of buying a home this XXXX XXXX loan appears and i have paid this already. They garnished my wages in 2018 and it has since been paid and XXXX balance in full. I have the letters stating it is done and completed. I would like this to be off my report stating it is still open and showing balance as well as reporting all the bad missing payment history. I have a letter from US dept of Education on XXXX 15,2018 that stated notice of cancellation of order for withholding of wages. I also have a letter on XXXX XXXX, 2018 account number XXXX stating my debt is settled in full. Please remove off all credit bureaus
Consumer complaint received 2022-06-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (GA)

Debt was satisfied on XX/XX/XXXX. Ally continues to reach out via calls regarding a debt that's already been satisfied. They've also repossessed a vehicle that was getting paid on, which they've stated they haven't received any payments but I've sent them proof of payments. They're in violation of Title 18 USC 1951
Consumer complaint received 2020-05-17
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to federal credit law spelled out in the Fair Credit Reporting Act XXXX FCRA XXXX, TRANSUNION is required to respond to consumers and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. TRANSUNION has violated the FCRA and did not respond within 30 days.
Consumer complaint received 2020-05-22
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.