davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
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. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly on the XXXX/XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was being charged automatically every month by my dental office. I was seeing a dentist to have permanent crown moldings made for me. The dental office finally contacted me and asked me to schedule an appointment to be fit with my crowns. Every time I had a scheduled dental appointment, the dental office re-scheduled the appointment. I have yet to be fit with the crown moldings. The dental office continued to bill XXXX XXXX even though the dentist never completed the dental work. I finally was able to reach the billing department at the dental office regarding these re-occurring payments and the dental office billing department told me to call XXXX XXXX. When I called XXXX XXXX, the representative with XXXX XXXX informed me that this was a billing issue with the dental office. I have not been able to resolve this issue and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2023-02-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

To whom this may concern, I received a tax bill from my county in XXXX where it showed that I had some delinquent taxes not paid. I immediately reached out to our servicer PennyMac to advise them about the bill. They initially told me to disregard it because they had already paid my taxes. So, I did, initially. However, after reaching out to the county they told me I indeed owed taxes. So, I reached back out to PennyMac and started a request to get the taxes paid. They apologized for the situation and told me to send in the tax bill via their messaging center. So, I did on XX/XX/2023. Since then, they have told me it would take 14 business days to get it to the right department. After a few weeks a representative reached out via their message center and said my next statement will reflect the payment they sent. However, they only sent {$35.00} of the {$1400.00} owed. I have again been reached by the county and was told they will start charging me late fees. We have already assessed a late penalty fee of {$120.00} and an interest charge of {$22.00}. We have a servicer and an escrow account set up in order to avoid these types of things. They have yet to help me with this and I am getting ready to XXXX XXXX with this issue still looming over my head. Please help me resolve this because PennyMac has not made it a priority to review the bill correctly.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Consumer complaint received 2023-02-12
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. (GA)

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. 

Account name : # 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 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (ID)

Select Portfolio Servicing, XXXX XXXX XXXX, UT ( XXXX XXXX XXXX, UT, XXXX ) refuses to refund the XXXXXXXX XXXX I paid from XXXX XXXX to XXXX XXXX of {$2600.00}. FEMA sent XXXX certificates to Select Portfolio Servicing showing my property isn't in a flood plane and said, " You're due a full 1 year refund. '' I contacted Select Portfolio Servicing by phone several times in XXXX XXXX and XXXX XXXX, and was told I was due a refund by customer service representatives. The law states if a homeowner proves with a FEMA certificate that they aren't in a flood plane, then the lender who fraudulently charged the homeowner XXXX XXXX, is required to refund 1 year of XXXX XXXX paid. 
Today, XX/XX/XXXX I still haven't received my refund and the last contact with Select Portfolio Servicing, XX/XX/XXXX, they stated, " you aren't due a refund for the Flood Insurance you paid. '' Select Portfolio Servicing Inc. is stealing from homeowners and they keep getting away with it! Why are homeowners unprotected from lender fraud?
Consumer complaint received 2019-08-16
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: Mortgage Research Center, LLC (VA)

A company named Veteran United, has confused advertising like they work for the veterans administration and they not, I am interested in purchasing a house and I gave this company all my personal information about me but at not time I gave them permission to pull a hard inquiry on my credit but they did, credit reporting XXXX email me right away, I call Veterans United and told them I did not gave them permission to pull my credit specially a hard inquiry, this company really full me as a XXXX  era us XXXX veteran that I am, they false advertising is wrong to all veterans. And again I did not gave them permission to pull a hard inquiry, all I want is to remove it out of my credit report.   XXXX XXXX is the person I spoke to and I refreshed to him that I did not gave him permission for a hard inquiry . His number is XXXX ext XXXX. Thank you.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Some XXXX  is using my personal info to try to set up credit cards in my name. Have also had fraudulent tax returs filed under my name. With 3 credit card applications in the last few weeks trying to be opened... I was asked to provide my data on this site.
Consumer complaint received 2023-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (WA)

Hello, After signing my lease I have been in contact multiple times trying to respond to customer service and received no response to help assist with a reasonable payment plan. For several weeks I made on-time payments, then when changing jobs notified koalifi I missed a payment because my weekly paychecks were transferred to monthly checks. Instead of a reasonable customer service agent reaching out to help get me back on track, I was told my missed payment now made me ineligible for a 90-day payoff and the interest on my loan was doubled and reported to the credit bureaus. I purchased {$2800.00} of furniture and made several payments over {$100.00}. My balance currency shows I now owe Koalifi over {$5000.00} and the cost of my loan has more than doubled. This is unacceptable and under the guidelines of the FTC and predatory lending regulations. When I signed off on my purchase at the store no one explained the cost of loan would more than double and destroy my credit.
Consumer complaint received 2023-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

At XXXX in XXXX, I opened a Wells Fargo Bank account with a checking and savings account. Additionally, I had a business account for my business starting in XXXX which was in good standing. In XXXX I was admitted to the hospital with an XXXX XXXX XXXX XXXX. Following my hospitalization when I returned to my job at XXXX XXXX I was wrongfully terminated because of my leave of absence hospitalization with doctors still not sure what my medical condition was at that time. 

During that time I was very ill, and still, no diagnosis of why I was so sick with multiple hospitalizations in that time frame. After so many years of suffering finally, in XXXX I was hospitalized at XXXX and had numerous tests and exams performed that revealed and diagnosed me with XXXX XXXX. 

I received XXXX XXXX money from XXXX until XX/XX/XXXX when it expired. After my XXXX expired, I had no income for food, clothing or shelter. EDD XXXX manager instructed me to file for Social Security as I had no idea something like this existed. My case was pending from XXXX until XX/XX/XXXX. 

While awaiting my social security, I notified all my creditors and communicated my medical situation and condition as I could not work. 

I am responsible as I always paid my car payments on time with XXXX XXXX, XXXX, and XXXX XXXX  ( I paid off all my previous cars in full on time ), and school loans on time to XXXX University, XXXX XXXX XXXX XXXX XXXX University XXXX XXXX and XXXX University, etc. 

However, Wells Fargo decided not to work with me and shut down my only bank account and credit card. 

Once I received my social security monthly check in XX/XX/XXXX, I returned to my previous bank Wells Fargo. To reopen my bank account with a direct deposit for my monthly social security check which they denied me. 

They refused for nearly one year to stall and delay refusing to do business with me.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquires, were not submitted by me.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquires, were not submitted by me.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CA)

I paid my neighbor {$18.00} through Venmo for eggs on XX/XX/23. They received {$17.00}. 
When making the payment I clicked a toggle button I thought was to turn on paying for the eggs with my Venmo balance based on the " Turn on for purchases '' below the payment method with a toggle switch next to it. 
The toggle button was in fact to turn on purchase protection. 
I contacted Venmo with my concerns that this toggle button 's placement was misleading to customers and likely resulted in people paying a fee when they were not aware that they were doing so. 
Venmo credited my neighbor for the deduction but stood by it's assertion that the button was clear and not misleading. I reiterated my position three times requesting they address the issue as I felt it was misleading. They replied that it was not and was clearly labeled.
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

This debt has been on my credit report for the past 6 years. In thos. 6 years I had 0 knowledge of it, and in those 6 years I never received any type of notifications from them. Not from them and not from the original creditor. I don't even have an account number for this debt.
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. (SC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (SC)

I notice that i never acquired to get credit with these company 's theses inquires were not authorized by me it was an attempt to commit fraud. 


5inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-18
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. (NJ)

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. 

XXXXXXXX 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 2023-02-18
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)

This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX. 
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification. 

This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of certain fraudulent inquiries that have appeared on my credit report. I am a victim of a data breach, and I believe that these inquiries were made without my knowledge or consent. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following inquiries from my credit report as they were not authorized by me : 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX