davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted an disputed Electronically with Transunion multiple times with accounts ( XXXX ) starting with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is over my states XXXX, The account came back verified with no proof or method of validation. 
I also disputed an account ( XXXX XXXX XXXX XXXX ) Starting with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was also verified as accurate, which has now been reported as delinquent after I disputed 4 ( FOUR ) years that is illegal & it is altering the accuracy of my credit age to pursue this debt longer. I have also opened a case with the XXXX regarding them not providing proof this debt belongs to me. 
I requested a method of verification via transunion and have not received it. Transunion has failed to provide proof of validation to me and I am requesting these accounts are removed from my credit report as they are not meeting CFPB guidelines. 

These two accounts have been reporting as accurate with no proof after disputing for years via Transunion.
Consumer complaint received 2020-01-13
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. (FL)

In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX and XXXX - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX and XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Upon pulling my credit report I noticed Toyota Financial Services listed which is inaccurate. I requested the debt to be investigated on XX/XX/XXXX and received a prompt response on XX/XX/XXXX only stating " we have researched our records and have determined that the information is correct '' with no proof of the debt. On XX/XX/XXXX, I sent another letter to requesting more information on how this was researched with no response. On XX/XX/XXXX, I sent another request for the information never received from my XX/XX/XXXX request with no response again. At this point this inaccurate debt should be removed from my report immediately as this has been a hardship on myself and my family. Please assist. 

Thank you!
Consumer complaint received 2020-01-13
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. (NC)

After recently discovering my credit had been compromised- AGAIN, I informed this company I have been a victim of Identity Theft 3 times, on the dark web twice, as well as a victim of the XXXX  Breach . Someone opened accounts and made inquiries using my information. There were numerous names, SSNs, and addresses used for this purpose. I have been fighting this issue for quite some time. They have removed the majority of names and addresses but still report the accounts and inquiries. 

It is costing me my credit worthiness, as well as business opportunities.
Consumer complaint received 2020-01-13
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. (CT)

My understanding is that the XXXX error reporting delinquencies has been corrected. My credit score still hasn't moved. Also, there is still a note that lender closed the account. The account was closed because of the bank error. I would like that note removed from my credit report.
Consumer complaint received 2020-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Reporting what I believe is CRIMINAL ACTIVITY USAA Reports Fraud Investigations NOT REPORTED BY ME in order to Create a Temporary Credit that becomes a Permanet Charge Leaving Consuers Liable for Fraud I reported {$470.00} unrecognized charges XX/XX/XXXX Fraud Investgations were done 5 months later XX/XX/XXXX. Consumers must report fraud within 60 days Clearly I could Not have reported 5 months late All of these Temporary Credits Became PERMANET CHARGES year later ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX USAA Reps are rude and Hostile when I try to discuss this talking down to me no respect for the XXXX
Consumer complaint received 2023-08-04
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

These companies refuse to reveal the first date of delinquency. Revealing this will make this account expired by law. They continue to report it on my credit. Everytime that I send them a letter they act as if I am asking for the balance. I am asking for the first date of delinquency. I know what it is. I am waiting on them to lie. I know they are doing alot fo people this way. This is blatantly ignoring the FCRA laws. 

THIS IS NOT A DUPLICATE. PLEASE STOP JUST CLICKING THAT AND ACTUALLY READ IT! 

WHAT IS THE FIRST DATE OF DELINQUENCY? THAT ONE THING WILL MAKE THESE ACCOUNTS EXPIRED!
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

Oor insurance company XXXX is supposed to pay for my XXXX XXXX and 4 XXXX test a year. XXXX XXXX  is self insured. I was never told that XXXX XXXX quit paying XXXX and that is who my doctors use. I am in the process of filing a complaint with the company XXXX, the insurance company XXXX. I have tried to to resolve this by phone with both companies. I want to try and buy a house inXX/XX/XXXXXX/XX/XXXXand now all of this. I was told by the doctors that are requesting this work that our insurance company according to their guidelines agreed to pay and now they wont. I have 3 disputes all for the same issue. Same company. 
Amt XXXX XXXX XXXX  for doctor XXXX Amt XXXX XXXX XXXX XXXX testsXX/XX/XXXX Amt XXXX XXXX XXXX XXXX All reported XXXX I am not sure why all of a sudden I have this issue and I can not get any help or resolution. 
We pay premium money and now my husband has retired from this company and they wont help us at. XXXX says we owe over XXXX dollars HOW? Please help. Supposedly XXXX and XXXX has not paid for anything in over 3 years.
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

Our family is experiencing financial difficulties. We fell behind on some payments. 
Citibank calls all day every day, from XXXX XXXX up until close to XXXX XXXX. They are the first call every morning. 

My father has XXXX XXXX and takes a lot of medicine. The frequent calls bother him very much. 

We are aware we are behind in payments. We don't need a phone call to remind us. When we are back on track, we will resume payments. Until then, we don't need the harassing phone calls EVERY DAY, including Sunday.
Consumer complaint received 2023-08-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2020-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX. I'm a XXXX year old woman living in XXXX, CA in XXXX XXXX county. In XX/XX/2017 someone fraudulently deposited checks into my bank account totaling for {$12000.00}. I had no part in this and by camera footage proof, it was not even me who deposited these monies. I can only suspect someone maliciously deposited these fake checks into my account to harm me. On XX/XX/2017 Bank of America put me into XXXX XXXX and XXXX XXXX XXXX, closed my account and has now left me in financial ruin. I've been unable to open a bank account resolve this problem, a problem that I myself didn't create. Why was the person who deposited the money into my account taken into question and have been punished rather than myself? It doesn't make any sense to me. I am the victim and yet the bank made me to be the villain and once again punished me. The account numbers from the check systems report I received are RTN : XXXX / ACC : XXXXXXXX. Please help me. I've been working so hard on getting this resolved and have no other options. I truthfully feel helpless and wrongfully punished. I need a bank account, I work very hard for a living. I actually have a very close friend that had this exact same situation happen to him with Bank of America, and they seem to go after the victim rather than the assailant who decided to create and deposit a fraudulent check. I am not an expert on checks either, I wouldn't know if an employer for example paid me with a fraudulent check. Why was I punished? Please assist me.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BARCLAYS BANK DELAWARE (CA)

I paid off my personal loan to barclays in full on XX/XX/XXXX. I followed up with barclays to see where my overpayment check was on XX/XX/XXXX. They said they will mail the check to me for {$730.00} for overpayment of personal loan balance on XX/XX/XXXX. I called on XX/XX/XXXX to see where my overpayment check was for {$730.00}. They said the check was sent to an old address and they will look into creating a new check to be sent to my new home address. To this day I have not received my overpayment check of {$730.00}. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclays Personal Loan Team Manager XXXX at XXXX keeps telling me the same thing that they are researching/looking into cutting a new check to be mailed to my new address. Barclays has been researching a new check for me since XX/XX/XXXX. I need help getting my overpayment check for {$730.00}. I do not understand how it can take over 5 months to issue a new check for {$730.00}. Please help. Thank you.
Consumer complaint received 2020-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've reached out to CAPITAL ONE and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report which violates federal law. 

Account Name : CAPITAL ONE Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Late : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2024-12-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (NY)

I am unable to activate my prepaid card. I have called about 6 times and they will not validate or activate it. Then they said this card was subject to fraud, but would not replace it. They want me to fax them my SS # and government issued ID to a random number. No one on the phone will help. I have never used this card and it should have a full {$300.00} balance. I received the card as a wedding gift. 

The card was purchased on XX/XX/year> and never used. I am unable to use the card. I have contacted XXXX online and on the phone multiple times.
Consumer complaint received 2020-02-21
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$550.00}
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

My loan was previously being serviced by XXXX  XXXX XXXX # XXXX. I began receiving communication that i was two months behind on my mortgage payments and, immediately, attempted to contact the servicing department to get clarification on the dates that were missed as I have ALL of my cancelled checks. I had asked, on numerous occasions, for them to provide the dates that they show were missed so that I could provide the correct documentation. On each occasion I was told that they could NOT provide a detailed payment history but they continued to send letters and report their information to the credit reporting agencies. On XX/XX/XXXX I received a letter that my servicer was being changed to Specialized Loan Servicing LLC. ( stating that any payments sent after XX/XX/XXXX should be sent to them - albeit sent 11 days AFTER payments should be sent to them ) On XX/XX/XXXX I started receiving letters, again, that I was " seriously '' delinquent on the mortgage. They were contacted, immediately, to request a payment history ( again ) so that I could provide the correct documentation. After I was told that they could not provide a payment history ( even though they would have received all of the documentation from my previous mortgage with XXXX XXXX XXXX ) they provided a payment history from XX/XX/XXXX to XX/XX/XXXX, with corresponding late charges. On XX/XX/XXXX I received a letter that they were going to begin foreclosure proceedings. THIS is in violation of the, most recently updated, RESPA servicing rules in that my mortgage would have to be 120 days delinquent in order to begin foreclosure proceedings. Not including the fact that the company must also provide loss mitigation options which I have never received AND do not need as I just need to know where they believe I became delinquent! In addition, ALL corresponding late charges and any, negative, reporting to the credit bureaus should be removed. This is a perfect example of why the RESPA rules were amended to assist consumers with servicing companies that continue to take advantage of them. Please feel free to contact me for further information.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2019-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (TX)

I am writing to request your help and notify that my rights as a consumer are not being respected. JP Morgan Chase Bank is reporting inaccurate information on my account. My account information is : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$6100.00} ; Status : Closed. I will explain why JP Morgan Chase Bank is committing multiple violations to the FCRA. 

On date XX/XX/XXXX to XX/XX/XXXX, natural disaster Imelda impacted Texas. I tried to solve this big issue with Chase by phone when I called right away once I realized of this negative remark on my account. They refused to help me, stating that my county was not affected by this natural disaster. I told them that my county ( XXXX XXXX ) is right next to XXXX county and XXXX county, which were declared as affected and that if XXXX XXXX was not on the list of the affected counties, it does not mean it didn't hit my area as well and that I needed help. 

I want to state clear that this was not a money factor issue ; I did have the money to pay. It happened that I had to go out of town because I was afraid of what could happen because of this storm ; so the disaster did affected myself ; and still they refused to help me. When a natural disaster happens, the level of stress is too high and it affects all areas of our lives. This is exactly what happened to me. 

Even worst, I processed the next payment ( the payment for XXXX ) by the end of XXXX, and they are reporting a late again! This is completely out of the reality. JP Morgan Chase Bank is also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. 

JP Morgan chase bank is being unreasonable because I never received a late payment insertion by mail. This is a violation to the FCRA. They are also committing Breach of contract, Unfair business practices and violations to the section ( 609 ) of the fair credit reporting act by missing the affected by natural disaster remark on my account. The list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights, they are committing multiple violations to the FCRA and I am not the only one that is being affected. I have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If JP Morgan Chase Bank refuses to provide letter of deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX was due. Proving this was not a money factor or even worst that I did not want to pay.