davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
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. (NV)

I submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00}.
Consumer complaint received 2023-02-08
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. (NV)

I submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX  Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$770.00}.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates (OH)

Miller Stark Klein & Associates are attempting to collect on a debt that was paid over 10 years ago. The debt was with XXXX XXXX  in XX/XX/XXXX, in XX/XX/XXXX XXXX XXXX  sold this debt to a third party. My name went onto XXXX as a result of me not paying this debt. In XX/XX/XXXX/XX/XX/XXXX, I paid this debt with the third party in order to have my name taken off of XXXX. It was the only way to open a bank account again. 

Now, 13 years later, its XX/XX/XXXX now, MSK & Associates is attempting to collect on this debt a second time. I explained to them it was paid in full and that it had to be or I would not be able to have a bank account open now. I've had the same bank account since XX/XX/XXXX/XX/XX/XXXX. 

They claim the debt went back to XXXX XXXX  in XX/XX/XXXX, when that third party debt collector closed. They claim they were just sold this debt within the last 60 days from XXXX XXXX. We conference called XXXX XXXX  and they claim to not be able to trace the debt once it was sold to the third party and that the debt never defaulted back to them in XX/XX/XXXX. 

MSK & Associates will not quit trying to contact me and keep threatening me with legal fees and income garnishment.
Consumer complaint received 2023-02-08
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. (FL)

Description X 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX 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 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in 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
Consumer complaint received 2023-02-08
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: Quality Asset Recovery LLC (NJ)

On XX/XX/XXXX, XXXX XXXX XXXX DO illegally sold my medical information to Quality Asset Recovery in the amount of {$780.00} violating my rights under the hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge. This office is now permanently closed. 

On XX/XX/XXXX XXXX XXXX XXXX Bank and XXXX illegally sold my information to XXXX XXXX XXXX in the amount of {$760.00}. I dont even know who the original creditor is to have a debt with them. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX illegally sold my medical information to XXXX XXXX in the amount of {$77.00} violating my hipaa laws required to protect sensitive patient health information from being disclosed without the patient 's consent or knowledge.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My XXXX XXXX XXXX XXXX and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I deposited a check for {$800000.00} into my Chase Bank checking account from a maker I have previously deposited large checks from before. Chase advised they will place the check on an extended hold which I was ok with. The check was released on XX/XX/2023 but they had already restricted my account. When I called them on XX/XX/2023 to remove the restrictions they stated they would not remove restrictions or release my funds until the maker of the check came in the branch with their bank statements stating they wrote the check. Regardless of me having deposited checks from the same maker before and the maker initialing the check by the date, amount, and their signature. They also stated they would close my account on XX/XX/2023 without an explanation why. Later that day on XX/XX/2023 they closed my account anyway and are still holding the funds from my check deposit. I have provided them numbers to the maker and even suggested getting an official letter from the bank the check is drawn from stating the check was authorized and has cleared the other account but they will not accept any of this and only state I need to force the maker to come in branch with their bank statements. I have called Chase regarding this almost every day since XX/XX/2023. Chase closed my account and the check is good and has cleared but they will not release it to me still.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I was scammed by someone trying to impersonate a worker from XXXX. On Sunday, XX/XX/XXXX, my XXXX account was hacked and I had no access to my XXXX account. I took it upon myself to contact XXXX customer service and called a number provided by XXXX. I clicked on the XXXX website and called the number provided XXXX ( XXXX ) XXXX. Someone by the name of XXXX XXXX stated that my XXXX account was hacked and someone was impersonating me by trying to sell XXXX through my XXXX market place. I was provided with a text message stating the XXXX transaction details, along with a message impersonating my Bank. I contacted my bank on XX/XX/XXXX stating there were unauthorized transactions from my XXXX account which came to a total of {$7000.00}. I filled a dispute for 2 XXXX  payments made to a " XXXX XXXX '' of a total of {$2500.00} and 2 Wire transactions made to coinbase of a total of {$4500.00}. My bank sent me a letter stating they were not refunding me for the 2 XXXX  payments while the wire transactions are still under investigation.
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have account with XXXX Bank for 15 years. I have never been late on payment with any credit card or any loans. I lost my credit card in XX/XX/XXXX and XXXX Bank sent me new credit card. I start using credit card but I never received any bank statement from XXXX Bank. 
I find out from XXXX Bank in XX/XX/XXXX that I did not pay my credit card bill for {$46.00} in XXXX. I told them that I was not able to see new credit card on my XXXX mobile application or did not receive statements. XXXX Bank gave late fees back but refuse to remove 30 day delinquency from my credit report. 

I never every been late on any kind of payment. XXXX Bank XXXX told me that XXXX XXXX did not merge my personal profile with business profile so I was not able to see new credit card under my XXXX XXXX XXXX. He did noted about error under my profile. I am disputing delinquency for late credit card payment with XXXX Bank.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I have 2 issues 1. LOAN BALANCE : the original loan balance was $ XXXX back in XXXX. In XXXX, we modified the loan, and effectuated new LOAN DOCUMENTS that re set the loan balance to {$2.00} M. We have been making the payments and our loan is now at $ XXXX plus or minus. OCWEN, our servicer, reports : HIGH LIMIT as $ XXXX and the Current Balance ( correctly ) at $ XXXX. However, this implies we are OVER THE CREDIT LIMIT since the new HIGH BALANCE after the loan mod became $ XXXX. They have repeatedly denied our requests to change and correct that. This has hurt our scores since it perpetually shows us as exceeding our credit limit. 

2. Reporting us late when we are not. In XXXX, Ocwen reported us late in XXXX, XXXX and XXXX. In XXXX, XXXX, XXXX and XXXX were reported late. We made each of these payments timely, by wire, and yet they refuse to correct the record.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NJ)

Dear Sir/Madam, I opened my bank account with PNC Bank in XXXX XXXX XXXX XXXX, however, soon after, the local branch unexpectedly closed and I found the nearest branch to be too far away for me to use without incurring additional transportation costs as the only way to use the bank would have been by using taxi which will be too expensive for me. Bank put my account in Dormant status and even blocked my access to the account. Despite my inability to use the account, I was charged a XXXX XXXX monthly fee for account inactivity for four and half years, and these charges continued even though the account was in dormant status. To my surprise, the bank never informed me of the dormant status, nor did they attempt to reach me through the phone number or email address they had on file. Additionally, I was never informed of the monthly {$15.00} fee at the time of account opening. This is a complete breach of customer trust and I would like the consumer protection bureau to help me recover my hard-earned taxpayer 's money from this unethical financial institution. 

I was charged this fee for almost 4.5 years before I became aware of this unethical practice. When I brought it to the attention of the bank, they only refunded me for a period of six months and refused to refund the charges for the remaining 4 years. 

I respectfully request your assistance in resolving this matter.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I made a call on XXXX to request a goodwill adjustment to my credit report for two late payments due to XXXX  related issues only to have the Capital One tell me over the phone that Capital One has never allowed something like that. Unfortunately, this is a bold face lie as the company has worked with thousands of customers to make goodwill adjustments on payment related issues. Additionally, I have sent multiple letters such as the one attached to which I have received zero responses to.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I Had Checking Account, And Savings Account With Wells Fargo They Owe me Money it's A Law Suit out They have not Contacted me Had the Account for About XXXX  Years Are longer My XXXX Check was going there There where over charging me At ATM
Consumer complaint received 2023-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX Has kept the same XXXX late payments on my account damaging my credit for over 7 years, and I want XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX CARD, XXXX REMOVED FROM MY XXXX CREDIT REPORT IMMEDIATELY
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

I been repairing my credit and saw an open collections from Southwest Credit Systems for {$370.00}. Went to XXXX and saw that this creditor isnt regulated in the state of XXXX. Cease-and-desist immediately this should be removed immediately.
Consumer complaint received 2023-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MI)

XXXX, XXXX and complaint against Wells Fargo bank On XX/XX/XXXX Wells Fargo responded to my request to verification why servicer ( under CFPB rules ) XXXX  deposited a refund check for my property taxes payable to Wells Fargo bank. 

Wells Fargo said that they are unable to address this matter why XXXX received money from XXXX. 
Wells Fargo also told me to contact XXXX to verify if this refund was deposited tomy escrow account. 

First, it was VERIFIED by the check sent to me by my Town Assessor that my money were deposited on WELLS FARGO account, not on my escrow account. 

Therefore, Wells Fargo is a part of Servicing and Collection team and a Serviver under RESPA and collector under FDCPA and must respond to my questions. 

I specifically asked why Wells Fargo was named as a payee on the Check deposited by XXXX. 

Who is the owner of the account where Wells Fargo deposited my checjk? 

Who authorized Wells Fargo to accept this check and deposit it on Wells Fargo account? Please provide me names of each individual employee of each company who authorized Wells Fargo to accept my checks and deposit them on Wells Fargo account,. 

Please provide me the NAME of an individual employee at XXXX  and XXXX who can confirm that Wells Fargo was authorized by them to accept money for my escrow on Wells Fargo account. 

Please provide me the contact information for XXXX individual officer who is responsible for bookkeeping and accounting who can verify that they authorized Wells Fargo to accept my money. Was it transferred from Wells Fargo account to my escrow account? Who made this transfer? XXXX? 

Be informed that on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX informed me that the current owner of my alleged Loan is XXXX, who has no records about XXXX  involvement in any servicing activities. 

Be also advised that according to XXXX XXXX XXXX Form XXXX my alleged loan is in XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX is Trustee who is responsible for administration and collection of my money. 

Be also advised that XXXX XXXX XXXX, XXXX is a fake corporation registerd in XXXX by XXXX XXXX as a Single Member XXXX. XXXX died in XXXX and never transferred ownership of XXXX to anyone. All my money are collected and processed by XXXX XXXX, who confirmed it several times. 

Wells Fargo must provide full disclosures why they collect my money on THEIR account and who authorized them to deposit these money on Wells Fargo account and who is the owner of this account.
Consumer complaint received 2023-02-08
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. (TN)

I reviewed my consumer reports and noticed that I had missed payments on a couple of accounts, but there were discrepancies in the payment history, date account was opened, highest balance, last payment made, credit limit, and account closed date. XXXX XXXX XXXX have a responsibility to report consumer information with maximum accuracy and to the best of their ability. According to XXXX XXXX XXXX XXXX of the FCRA, if any information is not reported with maximum possible accuracy it should be corrected. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I request that these payments be updated to paid on time, as I believe I was never late. 

If it is proven that was in fact late on these payments and the discrepancies are updated on my report, please be advised that according to XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), transactions arent supposed to be included in my consumer report. Therefore, late payments should not be reported on any consumer report. Please remove the late payments associated with the accounts. 


The accounts that reflect the inaccuracies and discrepancies are listed below : XXXX XXXX  XXXX : Account # - XXXX XXXX XXXX Account # - XXXX
Consumer complaint received 2023-02-08
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. (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.