davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I posted my old radio on XXXX XXXX. A buyer reached out and sent the money via XXXX to me of the amount of XXXX. I received an email stating that I was not a business certified user of XXXX and in order to get the funds transferred to my Chase accountXXXX I would have to send an amount of {$300.00} and I would receive {$500.00} after the verification process was complete. I received another email saying that I would need to send a certification processing form fee of {$900.00}. At this point I realize it was fraud. I immediately called my bank to stop the transaction but the bank stated they couldnt do anything and I would have to file a police report. The police report is in process. After researching my options I found out that by law the financial institutions are responsible for reimbursement when fraud is involved. I am ask that Chase follows those guidelines and I can get reimbursed my {$300.00}. Please reach out if additional information is needed. Thank you
Consumer complaint received 2022-09-28
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. (AR)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 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 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Itemspassed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$9100.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-07-15
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. (TX)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

I received a threat of a lawsuit from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Velocity Investments LLC. In 2020 I asked XXXX XXXX the original named creditor under Fair Debt Collection Practice Act, 15 USC 1692g to provide validation of the debt. They replied that they had sold the debt to Velocity and had no proof of debt and were not required to provide proof because they were not pursuing the claim. Subsequently, I have repeatedly asked Velocity to provide me with proof of debt under the relevant federal laws cited above. This request was also made in the state of California and is also covered under California Penal Code which provides for a fine of {$100.00} per day for each day that the proof is not provided. That amount now totals approximately {$54000.00} and continues to accrue because rather than providing proof of debt, Velocity has instead decided to harass and threaten me. 
I have attached my first Identity Theft Report which has subsequently been updated as companies have assisted. XXXX XXXXVelocity has refused to assist and has never provided any documentation. That refusal has delayed my update of my ID Theft report and has delayed my ID Theft Insurance claim.
Consumer complaint received 2022-10-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peter Roberts & Associates, Inc. (MA)

I requested itemized receipts / bill of the entire due amount but as of today, did not receive it. Could you please send me these documents to my mailing address? I only received an account XXXX but have not received any other bills or notice.
Consumer complaint received 2022-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (AZ)

The Mortgage Company is United Wholesale Mortgage during refinancing for some reason my insurance company did not pay my insurance to this Mortgage company. The underwriter said the Notice to my insurance company did not so for 3 months it was not covered. They demanded that I pay XXXX for insurance with them 3 and half times what any other insurance would cost anywhere. I then talked with them and agree to pay XXXX of 3 months and then gave the proof of my new insurance is paid in full. They told me at that time if I paid their insurance they would remove their insurance off my bill they did not. In fact, that told me I will have to pay and increase payment from my payment of XXXX to XXXX and this would be thill there XXXX is paid off and it will force me to pay my insurance. Better known as blackmail. I have been paying my mortgage every month and have not missed a payment only to find out they are only taking the money for principal and not paying the interest on the loan. so it causes me to have a partial payment and they are trying to charge me Late charges as well of {$39.00} but I was never late at all. I have never missed a payment on anything in years no less than 25 years Taxes are paid out of pocket and on time there is no reason for them to take any Escrow on this loan it is a VA Fix loan I am a 100 % XXXX vet on a fixed income and they are just ripping me off. I must be a good payer I have a credit score of XXXX. No late payment everything is on Autopay or paid in full at the time of payment. I have to remove UWM from auto Pay because I fear they remove the money they are illegally trying to get. The XXXX dollars they are trying to take would be a problem for me with the economy being as it is. that money paid for the Gas I need to go back and forth to the XXXX 3 times a week. They are trying to force me to pay money they should not get I need your help right now they are trying to make me pay an additional {$2000.00}. on top of the {$990.00} or {$72.00} extra months this robbery and wrong. If I can't get help from you I will have to go to court for so remedies which to lawyer already recommended I do because they are in violation of the laws. I hope you can help I can't afford to go to court but if you can't help me I have to. 

Thank You
Consumer complaint received 2022-12-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (TX)

My car was paid off in XX/XX/XXXX from TD Auto Finance. I have yet to receive a title. I called back on XX/XX/XXXX and told them we never received it so they stated they would file for a lost title and resend. XX/XX/XXXX I still do not have. I call TD back and they said it takes 7-10 business days and the title has not yet been released. ( That was day 11 ) The supervisor at TD, name XXXX, said she would have released today. I called the XXXX XX/XX/XXXX and they still do not show it released and said there is nothing they can do until TD releases it. So, I called TD back and spoke with another supervisor, named XXXX XXXX. She told me she sees where the supervisor yesterday put in the request, but I need to give it ANOTHER 3-5 business days??? The loan was paid off 3 months ago! 
We are purchasing a home and we have to have this off our credit by XX/XX/XXXX. I don't know what else to do since we keep getting the run around from TD Auto.
Consumer complaint received 2024-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have banked with USAA for more than 21 years. I reported fraudulent activity on my account that occurred XXXX months ago. They came back and stated it was not fraudulent, on XXXX XXXX. XXXX was taken back, on top of the {$XXXX} that I had in the account, leaving me in the negative. I asked them to provide me with whatever evidence they used to determine it was nonfraudulent, and they turned around and sent the exact same evidence I sent them in order to reopen the case. So within XXXX days of me reopening the case, they closed the case. So what took them XXXX months, only took XXXX days ; they clearly did not look at my new evidence at all. I asked them to reopen the case again. They asked me to send specific proof, I sent that specific proof, and theyre telling me it would take another XXXX months to simply review what they asked me to send in order to prove my case. In the midst of the investigation, they are threatening to close the account. XXXX and XXXX is lost to us this year, and USAA  does not care. I asked them for a temporary credit since the investigation is open, and they would not do so. Every day now I am receiving letters from USAA threatening to close the account which is in the negative. I am the victim in all of this, and I just feel as if Im being treated like the criminal. Its so unfair that they should let me go into the new year like this.
Consumer complaint received 2022-12-01
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. (FL)

Experian have been reporting a debt collection account, ( XXXX XXXX XXXX ) as open since XXXX XXXX. This account has been closed since XX/XX/2022 written off by the original creditor. I have sent multiple dispute letters on XXXX requesting to remove the incorrect account not being in compliance with the FCRA. They have allowed this debt collection to remain causing adverse action and affecting my ability to obtain financing. This has caused me financial hardship.
Consumer complaint received 2022-12-29
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)

I have disputed this XXXX XXXX XXXXXXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Consumer complaint received 2022-12-01
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. (GA)

two XXXX  XXXX Bankruptcies were added to my credit report the first on XX/XX/2022 the second on XX/XX/2022. These were later identified by XXXX XXXX and XXXX as not mine. I also have disputed XXXX fraudulent accounts with THE XXXX XXXX, and XXXX. The balance for XXXX XXXX {$1600.00}. The balance for THE XXXX XXXX IS {$17000.00}. I have filed police reports and FTC fraud affidavits. I have also supplied all bureaus with documentation from data furnishers stating that these public records do not belong to me.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (NY)

Dear XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Soon after enrolling, I developed a health problem that prevented me from working out at the gym. I called XXXX asking them to cancel my membership. I was told they could only cancel my membership if I showed up in person. I told them it was not possible because I was ill. 

They continued taking membership fees from my account following my request to terminate the membership. I asked my bank to block them from taking money from my account. XXXX continued billing me. 

I never once showed up at their gym. They eventually canceled the account and sent the account to collections. Aldous & Associates , PLLC, the collections company, posted the account to my credit history claiming I had an outstanding balance of {$160.00}. They have since refused to remove it. I don't owe XXXX anything. This is fraud. I would like to delete this from my account. This is on my credit report only because Because of this account, I have failed to secure a student loan. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-28
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. (AR)

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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.