davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

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 XXXX XXXX
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (WI)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my 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 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 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 XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NJ)

Citi Card I requested a balance transfer from Citi bank early XXXX for my XXXX XXXX credit card. Citi bank paid out the balance transfer to XXXX XXXX twice. I called Citi bank and notified them of this error. They told me to send the duplicate payment back to Citi bank in the form of a payment. I was told that the balance transfer fee would be refunded once they received the payment. After making the payment to Citi bank, I called customer service to verify my accounts. On XX/XX/year>, I was told by a Citi representative to disregard card ending in XXXX. Once I noticed that the account was still on my Citi account online, I called back and attempted to report the fraud again. I was rerouted to company that was not Citi bank ( recording attached ). In the attached files, I am including voice recordings of my conversations with Citi representatives, along with my notes from each conversation. I also added notes from me reaching out to XXXX XXXX in an attempt to help me resolve this case. ( I could not attach the longest recording from Citi bank which was about 30 min long, happy to share upon request )
Consumer complaint received 2023-08-02
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (GA)

On XX/XX/XXXX the office of commissioner 's insurance and safety fire, for the trailer purchase through XXXXXXXX XXXX with Vanderbilt mortgage on XX/XX/XXXX and installation date was XX/XX/XXXX. A month after moving in we started having multiple problems that was at their fault to be fixed.so they never came I had to go through fire marshals office and they came and found XXXX serious violations that was trailer dealer/manufacturers fault. The installers didnt even have a license to install trailers.So in XXXX I had to file bankruptcy. I hired a lawyer who was taking payments that I thought were for mortgage and assets. Well he wasn't doing that so now I'm 4 months behind and instead of fixing there mistakes they are trying to foreclose and take my land and home.i hired a lawyer in XXXX to sue XXXXXXXX XXXX but I need to catch up my payments to do so. They're trying to foreclose before I catch payments up so I can't pursue them fixing they're violations.
Consumer complaint received 2023-08-02
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. (FL)

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. 

Acct Name Acct # 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 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 believe that the information is inaccurate.
Consumer complaint received 2023-08-02
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, an unauthorized debit was withdrawn from my business account at Wells Fargo in the amount of {$3500.00}. It happened again on XX/XX/2023 in the amount of {$4100.00}. My bookkeeper noticed the charges and asked what they were. After researching, I was unable to determine where or what the debits were generated. I contacted Wells Fargo customer service about the issue. I eventually received a letter from Wells Fargo stating that " too much time had passed before you notified us. '' They stated that they needed to return any unauthorized payments by the second business day after the transaction! WHAT?! What busy business owner looks at their bank account daily? This is Wells Fargo, AGAIN, ripping off their customers! I have called, and FAXED, over and over and over and over and over... virtually no response! Wells Fargo sent a letter ( uploaded ) with a number to call the " Merchant. '' It was a FAX number! They can not name the merchant or give me a phone number. It's a fraudulent debit, caused by their lack of security, and I have to " eat '' {$7600.00}! This company is a disgrace. You would think that after all the fraud they perpetrated on their own customers that they would get it together. Who would deposit their hard earned money in a bank that is NOT SAFE?? I've notified the Texas Attorney General, we'll see if anything happens there.
Consumer complaint received 2018-12-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I originated a loan with XXXX XXXX XXXX, that loan was sold to XXXX XXXX XXXX and then recently sold again to Navient. 

Navient has the following policy regarding their auto-debits for repayment : " Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. '' Ie. if I want to monthly transfer more than the minimum of {$180.00} on a {$27000.00} loan, I have to go onto their website for every transfer. There is not an option to increase the amount being transferred. 

Not only is this very inconvenient, they are hoping to drastically increase the amount of interest I will be charged over the life of the loan by introducing this friction to make payment.
Consumer complaint received 2023-08-02
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-02
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. (NJ)

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-02
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. (PA)

My name is 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 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.
Consumer complaint received 2023-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (CA)

I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree. 

The debt collection agency has not sent me any proof of validation what soever either via mail or email communication. 

They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay. 

A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency : Consumer Adjustment Co Original Creditor : XXXX Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} I emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues.

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 believe that the information is inaccurate.
Consumer complaint received 2023-08-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (CA)

I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree. 

The debt collection agency has not sent me any proof of validation what soever either via mail or email communication. 

They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay. 

A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency XXXX XXXX XXXX XXXX Original Creditor : CheckintoCash Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} XXXX emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor
Consumer complaint received 2023-08-02
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-08
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: EQUIFAX, INC. (LA)

I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXXThe date of last activity is not reporting right. 
XXXX XXXX XXXX XXXXThis account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX  XXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.
Consumer complaint received 2023-08-02
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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