davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentialit

y under 15 USC 1681. 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am reaching out to discuss several issues with the credit bureau, including incorrect account listings, an unfamiliar collection, unauthorized inquiries, inaccurate credit reporting, and billing errors. I would appreciate assistance in resolving these matters to protect my financial well-being.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC (ME)

Since XX/XX/XXXX, our mortgage company has not refunded us the full amount of our XXXX  property tax money of {$4200.00} we paid with interest. The company was sending our property tax funds to the wrong town. That put a lien on our home so we paid out of our pockets to remove the lien. The company still is delinquent in our XXXX   taxes and we now owe {$4300.00}. They have been sending checks to the town of XXXX and we live in the XXXX XXXX XXXX. We have been trying to correct this issue since XX/XX/XXXX. The town of XXXX has been trying to get in contact with our mortgage company as well when we contacted them about our checks being sent to them instead of XXXX. XXXX XXXX XXXX stated they can refund us our XXXX   taxes but needed written authorization from our mortgage company which did not authorize since they work with a third party that handles our escrow account. This has been a nightmare dealing with AmeriHome and all they do is open a work order and close the work order without a resolution. We have called numerous times to resolve issue and not resolved.
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I opened a Pay Pal account and during the process it wanted what considered an excess amount of supporting documents with photo ID, SSN etc. I elected NOT to use pay pal. I have made NO purchase with Pay Pal. I have talked to them no less than 4 times on the phone. I have verified my email, phone and debit card it in the system with them over the phone. They continue to tell me I cant ' have the account closed unless I upload my driver license, proof of SSN and other documents. I find the need to upload these sensitive pieces of information in order to close an account that has NOT been used/has no balance no transactions is beyond stupid. I want them to close the account. Never dealt with financial institution that requires those sensitive documents to be uploaded into system. Ever day financial systems get hacked. I dont ' want to upload those documents into a system for an account that I am NOT using.
Consumer complaint received 2023-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (NV)

I got a car loan with Stellantis Financial for a XXXX XXXX XXXX. My first payment date was XX/XX/XXXX, I went on their online portal to make a payment. My debit card was not going through so I decided to use my checking account. 2 days later, {$720.00} came out of my bank account and then another 12 days later, another {$720.00} came out of my account. I called Stellantis and they repeatedly stated that the payments were returned and did not come to them. I then called my bank as I saw both payments on my statement and they confirmed that both payments went through and provided me the e-check numbers. I then called back Stellantis, provided them the information and was told a manager would reach out to me. No call back. I am then called again stating my account is past due. I emailed over my bank statements that SHOW the payments were made and nothing was returned. I was then told I would receive a call back from a manager. No call as of XX/XX/XXXX and on my online portal, it shows my car was forwarded for repossession. When looking at XXXX and XXXX  reviews, I am not the only person that this has happened to. as of last month, this has happened to 3 people, via reviews. I am not sure what to do.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (AR)

I trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account. 

Escalated the matter to a supervisor or XXXX within your organization, seeking a more authoritative intervention. 

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer. 

I understand that issues XXXX arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00}.
Consumer complaint received 2023-09-18
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

I purchased two Vanilla Gift ( VISA debit ) cards last year. But these two cards were stolen by someone else. I have contacted the XXXX company for almost one year, and provided them as much information as they needed. But every time, when I call them, they just replied I need to wait for another several days. I don't understand what's going on here. Are they doing this on purpose? 
My case numbers are XXXX and XXXX.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (FL)

I am writing to express my deep concern and dissatisfaction with the debt collection practices employed by IQDataCollections in their attempt to collect a debt of {$6100.00} from XXXX XXXX " XXXX XXXX. '' My experiences with IQDataCollections have been troubling, and I find it necessary to bring these issues to your attention. 

Refusal to Provide a Final Invoice via Email : I have repeatedly requested IQDataCollections to furnish me with a final invoice detailing the outstanding debt. Unfortunately, they have consistently refused to provide any documentation via email, claiming that their processes are exclusively handled over the phone. The only proof provided thus far is a copy of a ledger dated XX/XX/2023. This lack of transparency raises serious concerns about the legitimacy of the debt. 

Unusual Payment Demands and Lack of Online Transaction Records : IQDataCollections has insisted on payment through a credit card or debit card, explicitly stating that money orders or cashier 's checks are not acceptable. Furthermore, they maintain that there is no record of the transaction online. This unusual payment demand, coupled with the absence of online transaction records, has heightened my suspicion about the legitimacy of the debt. 

Refusal to Adhere to Communication Preferences : Upon noticing irregularities, I requested that all communication be conducted through email to ensure a documented trail. Despite this request, IQDataCollections has persistently ignored my preference for email communication and continues to insist on handling matters over the phone. 

Use of Abusive Language and Threats : The situation took an alarming turn when the individual representing IQDataCollections resorted to using abusive language and issued threats. I was threatened that my family and I would be living in our car, and that I would never be able to rent an apartment again. The person making these threats explicitly mentioned that I should remember their name when these unfortunate events occur.
Consumer complaint received 2024-09-12
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify a collection account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal and repeated requests, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a clear violation of my rights under the FCRA.
Consumer complaint received 2024-09-12
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX  XXXX Balance : {$23000.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I received a student loan repayment detail dated XXXX XXXX XXXX. Paperwork was very confusing and listed a repayment obligation schedule. It says payment start date XX/XX/XXXX for {$120.00}. I assumed that meant the XXXX of the month I am to make a payment. I made the first payment by hooking this up to my bank. When the next month rolled around I did not receive any billing on for it. I specifically request a hardcopy so I can keep track of the documents with a physical copy rather than online where sites can crash, etc. I called Mohela who I have my loan with and discussed this, and expressed my confusion as to why I am not receiving bills although I was told I have repayments beginning XXXX They told me I should be receiving bills in the mail ( they double checked my address, etc. ) they said they have sent it but I never received anything for the month of XXXX or XXXX. They tried to convince me to pay through their site and only receive billing through electronic even though I expressed that I want hard copies. By the time I realized I was not getting a bill and got connected with MOHELA costumer service, it was around the same time as the due date. They told me I wouldn't receive any extra charges or interest because of this. However, now for the month of XXXX I had finally received a bill for my federal student aid through MOHELA for the {$120.00} but the bill said {$0.00} due for XXXX The instructions and billing I receive do not make sense and no one on the phone gives me a clear answer as to what the deal is. Again the issue I was having was them not even sending me my bills even though I clearly stated to them several times I wanted bills in the mail.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my latest consumer report furnished by TRANSUNION. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency TRANSUNION in accordance of 15 USC 1681c-2 Block of information resulting from identity theft ( a ) a consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2024 Subject : Request for Removal of Closed Accounts from Credit Report Social Security Number : XXXX Date of XXXX Dear Sir/Madam, I am writing to formally request the removal of closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or outdated information on my credit report. Upon reviewing my credit report, I have identified several closed accounts that I believe are being reported incorrectly or are no longer relevant. 


Inaccurate Reporting : The information related to this closed account is inaccurate and does not reflect my current credit status. The FCRA requires that only accurate and relevant information be reported. 

Outdated Information : This account has been closed for a significant period, and the continued reporting of this account negatively impacts my credit score. According to the FCRA, outdated or irrelevant accounts should be removed from my credit report. 

Action Requested : I kindly request that the closed accounts listed above be removed from my credit report across all major credit bureausTransUnion, XXXX, and XXXX. If this information can not be verified or corrected within 30 days, I request that it be permanently deleted from my credit file in accordance with the FCRA. 

Please provide me with a written confirmation once the investigation is complete and the requested changes have been made. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX Last 4 Digits of SSN : XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (GA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX