davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has violated my right to privacy, According to 15usc1681 ( a ) ( 4 ) - ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have a right to privacy as a federally protected consumer. Transunion has also never proved that they had permissible purpose under 15usc1681b ( a ) ( 2 ) which says that 15usc1681b ( a ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a co
nsumer report under the following circumstances and no other : ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 ) ( XXXX ) 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 2023-04-13
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: EQUIFAX, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (FL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX  Equifax XXXX XX/XX/XXXX  Equifax
Consumer complaint received 2023-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (MD)

I, the consumer and natural person, was denied credit by Navy Federal Credit Union when I applied for a auto loan in the amount of { {$50000.00} } on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Navy Federal Credit Union is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Someone stole a check that I wrote and altered the payee and the amount. He/She either cashed it or deposited it into his/her Bank of America account XXXX Even though the check has very obviously and clearly been altered, Bank of America cashed it. My bank is trying to get the original check and funds back from Bank of America. It has been 6 months and this case hasn't been resolved.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX Account XXXX NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, MO XXXX Dear ( XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2018-06-04
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: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. 
On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. 
I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? 

Thank you so much!
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

I made a online transfer to my account and it did not reflect to my credit card account ( BANK ERROR ). 

I received a phone call and was made aware that my account was past due and immediately made arrangements to bring account up to date, after already making a transfer online that should've taken care of account but did not ( BANK ERROR ). 

I have formally submitted my complaint and the " BANK ERROR '' issue was never addressed after two formal complaints were submitted. 

Please remove derogatory remark, due to " BANK ERROR '' ( online banking ).
Consumer complaint received 2018-06-05
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. (TX)

THIS IS NOT A DUPLICATE COMPLAINT On XX/XX/XXXX,  Equifax reported to Consumer Financial Protection Bureau that they deleted addresses listed in the original complaint submitted. They did not Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX As of today, those fraudulent addresses, which were included in Identity theft Affidavits and a police report, are still reporting to my credit report. I contacted Equifax again today and was told they would file a dispute and it would take another 30 days to remove the addresses and the collection. But they reported to the CFPB that they were already removed on XX/XX/XXXX. 

Equifax has not followed the laws and have also performed a dishonest act by providing the CFPB with false information. 

They are also reporting XXXX XXXX XXXX XXXX XXXX   that was removed because the entire debt was paid. This is inaccurate information
Consumer complaint received 2018-06-04
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: CORELOGIC INC (CT)

XXXX XXXX XXXX, CT XXXX  ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.

I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.

I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.

I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.

Thank you Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Misc.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX only allowed me to report three companies so I reported XXXX, XXXX  and XXXX XXXX. Please let me know how to report the others. Thanks you
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/XXXX I sent money in the amount of {$800.00} USD to my friend in XXXX. According to Paypal my recipient should have had the money by XX/XX/XXXX. As of XX/XX/XXXX she has not received the money. I called paypal to authorize release of the funds since I am the sender. They refused to release her the funds saying that since I am not the recipient they could not speak to me about her account. I am the SENDER. I use this service to send cash to friends and family in times of need. Paypal is unnecessarily withholding funds from recipients. 

Transaction ID XXXX
Consumer complaint received 2018-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a new mortgage that was originated by XXXX XXXX  XXXX mortgage on XX/XX/XXXX. The loan was subsequently sold to Wells Fargo Mortgage in XX/XX/XXXX. In the closing documents, the monthly mortgage payment was estimated to be {$2100.00}. 

Wells Fargo notified me on XX/XX/XXXX that the mortgage payment needed to increase by {$130.00} per month due to a deficiency in the amount escrowed for hazard insurance. Upon talking to their representatives on XX/XX/XXXX, I noted the following : - A full year premium for hazard insurance of {$4600.00} had already been escrowed and ; - An additional {$4600.00} was being escrowed on an annual basis and ; - An additional amount of {$1600.00} was needed because Wells Fargo asserted that there was a deficiency in the amount escrowed for insurance Although it wasnt required, I elected to escrow insurance and taxes when I closed on the mortgage. However, Wells Fargo would not allow me to withdraw from their escrow program for two years and until the loan to appraised value was 65 %. 

This raises two issues. First, the estimated mortgage payment for a NEW mortgage is materially incorrect. Second, Wells Fargo will have collected almost two years of escrow payments before the insurance premium is even due!
Consumer complaint received 2018-06-03
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: ID Analytics, Inc. (IL)

On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. XXXX XXXX was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX XXXX XXXX. I was unaware of this company  and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX  and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (FL)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-13
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: Paypal Holdings, Inc (AL)

On XX/XX/2023 I sent {$130.00} to XXXX XXXX for a downpayment for goods that was supposed to be delivered to my house. That was the name in the email and XXXX told me it was her grandson 's email. When that didn't happen, I asked for the address to pick the items up myself and was given an incorrect address over an hour away from me. I ended up at XXXX XXXX 's house and he even said I wasn't the first one who had gotten scammed. He had never heard of any of these people before. XXXX XXXX sent me the wrong address on purpose and then claimed I must have went to the wrong address and sent me a picture of her house and camper the stuff was in. He even told me to file a police report because I was not the first person who had showed up to pick items up that he had no clue about. I tried but the police came to my house and said they could do nothing about it. XXXX also texted me recently again and told me she had sent more people out there to his house! He said if I needed him as a witness, he was more than willing to be one. If needed, I can send in the communication thru XXXX XXXX that I have between us.

The other two transactions was sent on XX/XX/XXXX to a XXXX XXXX. I was told that was her granddaughter and to send the money to her. I sent two payments equaling {$120.00}, so {$70.00} & {$50.00}. I never received the items I purchased and was never given a refund. Paypal told me although it was fraud, they could do nothing about it and is not willing to give me a refund although in my paypal account when I look it up, the {$130.00} says transaction refunded which it wasn't. I did speak to them over the phone and they didn't know why it said that but said they'd send me an email with an explanation that I still have not gotten. I paid a lot of money for items I never received and all I want is my money back. I even sent an email to a XXXX XXXX asking for my money back and never got a reply. 

Are you willing to help me get my money back?
Consumer complaint received 2018-06-04
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: EQUIFAX, INC. (AL)

See previous complaint # XXXX which was " closed with explanation ''. I have a letter that this inquiry from XXXX was fraudulent and should be removed. This inquiry is harming my credit report by affecting my ability to obtain credit. It should be removed immediately. 

I am disputing the Inquiry on my Equifax credit report from XXXX on XX/XX/2017. On that day, I called XXXX to obtain pricing. The representative I spoke with kept pressuring me to sign up that day. I explained numerous times that I would not be signing up that day. He continued to pressure me, stating that if they ran my credit that day, I could be immediately signed up. I told him several times that I did not consent to this inquiry and finally hung up on him. He tried calling me back at least 3 times but I didn't answer. Within 5 minutes of hanging up, I received an alert that XXXX has posted an inquiry on my Equifax report. I immediately contacted XXXX to alert them and I received the attached letter from XXXX stating they agreed that the inquiry wasnt allowed and would remove it from my report. Since XX/XX/XXXX, I have tried various ways of disputing this item through XXXX and Equifax. I've actually filed 3 disputes with Equifax ( by mail and online ) ; however, each dispute has been completed without Equifax contacting XXXX. I've tried contacting both companies on XXXX but haven't had any luck. Anything you can do to assist would be appreciated.
Consumer complaint received 2023-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

I originally filed a report with your agency back on XX/XX/XXXX, # XXXX. At that time, your agency would not listen or even attempt to assist me with the ongoing fraudulent activity happeneing with Navient and within the University XXXX XXXX. In XX/XX/XXXX, Navient agreed to pay more than {$31.00} XXXX  in relief to XXXX  borrowers due to this. WHY was mine not included? I looked for your agency to be the voice of the people and assist us - your agency was far from that. 

As part of the XXXX XXXX XXXX settlement, I have been automatically granted relief with my student loans that had been fraudulently placed on forebearance, out of control payment plans, and more. Navient had been known for predatory tactics and taking advantage of many. Your agency should be ashamed for not listening not just to me by the countless others who looked at you for help.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.