davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (GA)

SEVERAL CREDIT CARD ACCOUNTS THAT WERE PAID IN FULL THROUGH THE ACTUAL CREDIT CARD COMPANY THAT WAS PAID IN FULL, BUT REPORTING NEGATIVE OR BAD ON ALL THREE CREDIT BUREAUS XXXX, XXXX AND TRANSUNION.
Consumer complaint received 2023-07-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: LDF Holdings, LLC (WI)

Lendumo is taking money from my checking account on a loan I did not do This is a fraudulent loan that they have been taking payments out of my account Have been trying to work with the company to refund payments they took from me. Did a police report, an affidavit and copy of bank statement showing I never received the money. They are not refunding my money. It is {$1000.00} that they owe me. I have been trying to resolve this account for 3 months now. They will not resolve this account
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 a check in an envelope was stolen from my home mailbox. 

The check was in the amount of {$120.00}. It was stolen and altered to change the amount to {$12000.00}. It was my Chase Business checking account.

The name of the person who the check was payable to was altered and changed to someone I do not know. 
The check was chased by XXXX XXXX. 
I filed a police report and started a claim with Chase Bank on XX/XX/2021. 

The local police investigated the case but ultimately it was closed. 

Chase Bank has continued to investigate my claim for the last 2 years, and the claim has been " expedited '' and/or " escalated '' several times. However, Chase has continued to tell me, over the course of the past 2 years that they are waiting for XXXX XXXX to answer the claim and ultimately " cut me a check '' for the monies stolen from my Chase Business Checking account.

I have been extremely dissatisfied about the way Chase has handled this complaint as their communication with me has been very limited if at all. I have to initiate all the calls with them.
Consumer complaint received 2023-07-05
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. (NM)

I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my credit.
Consumer complaint received 2023-07-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I am the trustee of my brother 's Trust and personal representative for his estate. I sold his home after his death, proceeds from the sale were sent to his Trust and deposited in a Trust account. Unfortunately, two subsequent checks stemming from the sale ( related to escrow and other matters that could only be accounted for after the date of the sale ) were made out to my brother -- not his Trust or estate. 

I was unable to deposit these checks prior to their expiration. One was for {$3700.00} and another was for {$3500.00}. If they had been made out to the Trust I could have deposited them, but it took me much longer to gain recognition as personal representative for his estate. I would have needed such recognition to deposit those checks -- made out to him.

I have copies of the checks and have been trying for more than two years to have them reissued -- made out to his Trust or estate. Complicating matters, the checks were issued by BB & T which was subsequently purchased by Truist. I have contacted Truist numerous times, everyone says they will look into it. No one ever calls back.
Consumer complaint received 2023-07-04
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)

XXXX XXXX XXXX claim I owe XXXX debt. Under USC 1681 I [ 5 ] and USC 1682 S-2 according to the FCRA everything must complete and accurate. Also under the 15 USC 1681 A [ 2 ] I didn't give written permission for the account to be furnished on my credit report. I haven't been provided no original consumer contract or documentation with my signature on it stated in FCRA 609 ( a ) ( 1 ) ( A ). Furthermore the method of verification has yet to be provided under FCRA Section 611 ( 5 ) ( A ). Please remove account immediately or legal actions will be taken.
Consumer complaint received 2023-07-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-07-05
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. (NC)

XXXX  continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

These accounts listed on my FTC report i have no knowledge or recollection of these accounts. They are unauthorized and i demand they be deleted immediately according to the 15 USC 1681 LAW. where it states, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

The company response does not meet requirements of validation. I have requested validation of debt ownership of account and not replied with validation requested.The dates being reported on credit report.Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Midland Credit Management. Theres no contract nor agreement which I have repeatedly requested and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Midland Credit Management nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore they do not have a right to report such erroneous information on my credit report.So if this is not removed from my credit report at once I will proceed further legal action of my own! I would like the reporting of this account to cease and desist immediately!
Consumer complaint received 2023-07-05
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. (NM)

I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. 

Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my credit.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (CA)

As of XX/XX/XXXX I contracted a loan with One Main Financial Company in addition to the loan I was offered an additional product - Involuntary Unemployment Insurance I agreed to additionally protect my future payments against involuntary unemployment. As of XX/XX/XXXX I was unfortunately laid off by my company. I wanted to utilize my insurance but I was denied my claim from insurance company. XXXX XXXX XXXX through One Main Financial informed me that I am not eligible for this coverage. They pointed out I should have been insured as of XX/XX/XXXX ( a year before I contracted a loan to be eligible ). An agent of One Main Financial, who sold me the loan and this faulty insurance product, did not inform me about this alleged provision. I consider the whole situation as deeply unfair and I feel deceived by the One Main Financial and the XXXX XXXX XXXX. I was paying insurance premiums throughout my whole employment period hoping that in case anything happens to my employment I will be able to utilize the insurance policy and insurance company will take over installment payments.
Consumer complaint received 2023-07-05
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. (TX)

In accordance with the Fair Credit Reporting act Ability XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (WI)

Re : XXXX XXXX ( XXXX report number ) # XXXX my Social security # XXXX my address : XXXX XXXX XXXX. 
XXXX, WI. XXXX ( XXXX ) XXXX Email : XXXX unresolving Issue Re : SECURITY CREDIT SERVICES Account number XXXX Account type Collection Date opened XX/XX/XXXX Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
This account is continuously reporting negative account information the above account has been included in my bankruptcy XXXX  XXXX filed XX/XX/XXXX and was discharged XX/XX/XXXX in case number # XXXX this information keeps reporting and experian keeps reporting it as negative information
Consumer complaint received 2023-07-06
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. (CA)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

Company is LVNV FUNDING - company started off by sending a post card in the mail for me to verify my address. The lawyer stated they did not have to validate anything which based on the FRCA Laws I have the right to get validation. However the judge decided not to grant me that courtesy. Yet here is the creditor asking me yo validate my ss # after the debt resolution company is trying to work out an agreement.

Below is what was written to me by the Debt resolution company. 

The initial budget of {$750.00} was to be used for restructuring all of your creditors. The monthly amount allocated for LVNV from your budget was {$61.00}. 
Since the settlement that they offered called for monthly payments of {$110.00}, which exceeds the amount we allocated ( {$61.00} ), the additional {$30.00} will leave us with a sufficient budget to present offers to your other creditors. 

I hope this cleared up any confusion. 

Also, the agency handling the debt is requesting that we confirm your SS #, as the one we have is different from what they have on file. 

This needs to be stopped and these companies need yo not usurp the law when they choose to. I am tired that the FTC does nothing about these issues.
Consumer complaint received 2023-07-06
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: Affirm Holdings, Inc (CA)

Dear CFPB this is in response to CFPB complaint XXXX XXXX and XXXX with Affirm, in my most recent complaint with affirm they stated they sent me an affidavit on XX/XX/23 but thats not true cause I received the affidavit on XX/XX/23 and filled out everything and emailed back on XX/XX/23 will attach that supporting documentation which then means affirm is not keeping accuracy here in reporting things correctly as an added measure I filled out two additional affidavits on XX/XX/23 which both contains the additional supporting documentation such as a data breach letter I received on XX/XX/23 where my Personal information was affected and also an XXXX representative email that even states they could not find the order # XXXX related to my XXXX account that affirm is accusing me of, Dear CFPB if you also head over to Affirms XXXX XXXX XXXX complaint reviews you will notice this is a common issue with affirm where people whos Personal information may be compromised and loans are getting taking out fraudulently affirm does poor investigations into peoples fraudulent loans which is my experience, if the supporting documentation I gave them is not enough Im requesting affirm provide valid proof such as the tracking number and delivery of address for the XXXX order there accusing me of as well as the location where the electronic signature was signed taking out this loan with affirm, this matter needs to get resolved now and with urgency and removed from my credit profile immediately as Im a victim of identity theft! I will get my California state attorney and Federal trade commission involved in this matter if affirm doesnt fix this issue immediately and with urgency.
Consumer complaint received 2023-07-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (CO)

XXXX XXXX - Debt regarding an apartment moveout fee, threatened credit damage. The agent taking the call was named XXXX XXXX XXXX would not provide a last name or employee ID.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I MADE SEVERAL REQUES TO EXPERIAN TO UPDATE MY FRAUD ALERT PHONE NUMBER ON MY CREDIT REPORT. DESPITE THE SEVERAL REQUESTS, THEY HAVE NOT DONE.  THEY WOULD SUBMIT A RESULT INVESTIGATION THAT HAS NOTHING TO DO WITH WHAT MY REQUEST. IT IS VERY FRUSTRATING!
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

A hand written business check, written from a company I own, was deposited on XX/XX/2023, into my Wells Fargo business account, which I also own. 

My check from XXXX cleared the same day of my deposit, XX/XX/2023. 

The fraud department without any inquiry, research, questioning, closed all my XXXX accounts the evening of the deposit, XX/XX/2023 with a date certain. 

XXXX of the accounts has been active with Wells Fargo and predecessors for over 35 years with over XXXX XXXX dollars transacted through this now closed account. 
When on XX/XX/XXXX, I contacted the fraud department what was going on, I was told that my deposit was determined fraudulent and Wells Fargo had a right to close all of my accounts because of my fraudulent activity of depositing a hand written check deposited by my same signature as on file with my XXXX accounts with Wells Fargo. 
Let me repeat XXXX XXXX claim : a hand written check from XXXX business account that I own, that was cleared that night, XX/XX/XXXX, from my XXXX account, Wells Fargo made a decision that that hand written check signed by myself with the same signature on all of my 11 XXXX accounts was fraudulent and closed my q business accounts i forming me that none of these accounts could accept deposits and that any withdrawals scheduled over the balance would be denied. 
No question, no putting the check on hold in order to do an investigation, XXXX arbitrarily closed my accounts causing me tremendous problems. 
I called the fraud dept at XXXX to contact XXXX to confirm that I was a signature on this XXXX account. Wells Fargo informed me that they would not contact XXXX. I had to go to a XXXX retail location and present to their representatives corporate documents demonstrating that I was an owner of the company by including incorporation from the state this account at XXXX was incorporated in. 
This is outrageous.
Consumer complaint received 2023-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (WI)

The company the complaint is about is Village Capital and investment of XXXX NV. They informed me the XXXX  week in XXXX they did not receive my XX/XX/XXXX Mortgage payment. It was lost in the mail, they wanted a payment of {$1900.00} as of XX/XX/XXXX, said they were going to inform the credit union 's of my default and start foreclosure procedures. I feel they are trying to force me to commit to signing up for auto pay direct as my payment coupons are rarely received before the first of the month.
Consumer complaint received 2023-07-05
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 XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION (GA)

PedFed is the finance company and XXXX XXXX XXXX is the car dealership. Finance company claims that I have a loan with them, but I never signed documentation for a car loan. I have requested a copy of documents from wet signature and have not received them. Request made over 120 days ago.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Charged numerous overdraft fees Wells Fargo was manipulating dates to charge fees and also charged an overdraft fee on a transfer of funds between my two checking accounts with them. I called and they Claims I didnt have the money to transfer. Which if I didnt, I wouldnt have been able to transfer the funds!