davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-20
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)

I found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud UPGRADEINC account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXXXXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XX/XX/2021 and XX/XX/2021 I have been scammed by a person that has impersonated a landlord. He showed me the house, he had the application, and the lease. I payed the application fee that was {$100.00}, I filled out the lease agreement that was {$200.00} and I payed the deposit that was {$900.00} pluse occupant fee that was {$100.00} and then I couldn't contact the person anymore. I have the emails of the people where I was told to send the money the be able to receive the keys for the home. I have his the information on how I found the home that is listed. The phone number that was given to me is ( XXXX ) XXXX-XXXX. Please help me
Consumer complaint received 2024-09-09
Product: Credit reporting 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. (FL)

I am writing to formally address serious concerns regarding the handling of my identity theft dispute with TransUnion. On XX/XX/scrub> 2024, I submitted a dispute to TransUnion, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>2024, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation.

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft.

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report.

15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done.

Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization.

This lack of action on TransUnions part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly.

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft.

A written explanation as to why my request was denied despite my submission of all required documentation.

Compensation for the damages incurred as a result of TransUnions negligent and willful noncompliance with the FCRA.
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (PA)

I have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.
Consumer complaint received 2021-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In 2020 Wells Fargo allowed me to a COVID forbearance during the pandemic. I am not working due to the nature of my job. When I called to start making regular payments when the forbearance period was ending and asked for the paused payments to be paid back at the end of the mortgage I was told the ENTIRE forbearance amount was due in a lump sum. In no way is this a relief program if I'm expected to pay it back in full. I was told verbally when requesting the forbearance I would be able to push the paused payments to the end of my loan. 

I am still not working but am making the effort to make my regular payments and Wells Fargo once again is not willing to understand special circumstances which none of us have ever been through. 

My regular payments are $ XXXX. Wells Fargo is expecting me to pay {$29000.00} when I haven't worked since XX/XX/2020. I get {$450.00} every two weeks for unemployment and that barely keeps the lights on and the groceries purchased.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was contacted by someone from XXXX  for a XXXX XXXX XXXX. They give me all this reason and I think its legitimate. I dont agree to send any money until the bank clears the check. They end up clearing it which makes me believe it is real and I XXXX some money to someone they ask me too because I believe this is their money then the bank takes the deposit check out because there was a problem. I already made a claim but they are the ones who cleared the payment first
Consumer complaint received 2021-03-19
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)

Recently a collection was added to my account for {$650.00} and it isnt me I tried to tell transunion but they dont care I guess they just want to pin the bill to someone I have never had cable in XXXX so Im not sure how this is possible please help me I was barley getting my credit score to XXXX and now it was knocked down to XXXXand no matter what I do i cant get me credit score back I go to XXXX college and will need good credit to get student loans. Ive never applied for cable or have had cable or anything in my name in XXXX county.
Consumer complaint received 2024-09-09
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX : Account # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX  : Account # XXXX - Date opened XX/XX/XXXX - Balance {$17000.00} XXXX XXXX XXXX : Account # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX : Account # XXXX - Balance {$44000.00} -Date opened XX/XX/XXXX 2022
Consumer complaint received 2021-03-19
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. (MI)

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.
Consumer complaint received 2024-09-09
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX located at XXXX XXXX XXXX also located at XXXX XXXX CA XXXX phone number XXXX ( XXXX ) XXXX, has executed a hard credit inquiry on my personal credit three times in eight months. I have researched and googled XXXX XXXX XXXX, and I am completely unfamiliar with the services they provide as well as the website, phone number, addresses, etc. I have not ever nor do I plan to ever utilize their services. Not even sure what they fully provide as a service. No company should pull your credit more than once in this time span and it has pulled my credit hard pull three times and eight months. Please remove all three inquiries from my personal credit, and block them from continuing to make hard inquiries damaging my credit. First inquiry is XX/XX/year>. Second in XXXX, XX/XX/year>. Third inquiry, XX/XX/year>. All fraudulent inquiries. 
I have called the number this number is disconnected. I have wrote this company. This company has not reached out or replied. It has something to do with XXXX. I am not of XXXX descent, nor am I from XXXX at all nor do I have friends or any relatives to do with this company. Please help. I am asking TransUnion to take this off of my account. This is a TransUnion hard Inquiry on my Personal credit. 
Please help make this stop.
Consumer complaint received 2024-09-09
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. (NY)

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 XXXX
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XXXX 2020 I informed Ombudsman XXXX XXXX wh I have be working with that Tax buyer purchases the taxes and redemption will expire on XXXX XXXX,2021. 

Now, the last document requested was a corrected Hud XXXX from my Short Sale XXXX. 

I did submit that to SPS. Now I have passed my redemption period. 

I informed the tax buyer I had a contract waiting on my short sale approval and I have yet to get the approval after I was told by XXXX in the Ombudsman department that the only thing needed was the corrected XXXX from the title company. 

Now I have been impacted by the Covid 19 and have been getting assistance from my son and family members. 

And I am not getting a dime out of this property no benefit to me. I am just trying to help my investor who will be receiving monetary reward of {$10000.00}. 

However, my buyer is getting cold feet now because its one thing after another. 

Please see Attached documents.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (FL)

This is the second complaint I am filing against Plusfour , Inc for illegal collection activity. Plusfour is not a licensed consumer collection agency in the State of Florida where I reside. I filed the original complaint against Plusfour on XX/XX/XXXX. Plusfour responded on XX/XX/XXXX and acknowledged that they are not a licensed collection agency in the State of Florida. Plusfour has continued their illegal collection activity by reporting the collection account to XXXX, XXXX, and XXXX. They have reported the account three times to XXXX in XXXX, XXXX ( See attached ). I have recently been informed by my attorney that Plusfour was sanctioned on XX/XX/XXXX by the Florida Attorney General and the Florida Office of Financial Regulation for operating as an illegal consumer collection agency from XXXX through XXXX ( See attached ). As a result of their illegal activity, Plusfour restricted from conducting any consumer collection activities in the State of Florida until XX/XX/XXXX. Section 4 ( c ) of the State of Florida Settlement Agreement specifically states - Respondent shall not engage in any activity pursuant to Chapter 559, part IV, Florida Statutes, which requires a registration from the Office unless properly registered. Further, Respondent shall not act as a control person, as that term is defined in section 559.55 ( 4 ), Florida Statutes, of any consumer collection agency registered by the Office nor shall Respondent apply for any registration pursuant to Chapter 559, Florida Statutes, for a period of five ( 5 ) years from the docketed date of the Final Order adopting and incorporating this Settlement Stipulation. At this point, I am willing to cooperate fully with all State and Federal investigations into Plusfour regarding their illegal collection activities. If this account is not deleted immediately from all of my credit bureau files, I will instruct my attorney to file a lawsuit against Plusfour for their illegal collection activities, and will be seeking damages and attorneys fees.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX false accused me of owing a debt I did not owe! I HAD A SECURE card in 2016 the account was closed & XXXX XXXX report wrong and inaccurate information on my credit report which lead me to pay a debt I did not owe!!! I have attached documents to prove I did not owe a debt when the account was closed!!! I demand XXXX XXXX & the collection agency & credit bureau send me proof of the debt!
Consumer complaint received 2021-03-19
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. (IA)

My scores are very low due to many inaccurate information regards payments and accounts and old information in reports, even my name, I tried with them many times and still same problem. I need you to investigate all wrong information about me and remove them. Thanks.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (IL)

I received a notice to collect a debt from this company XX/XX/2021 and I sent debt validation letter on XX/XX/2021 asking for information regarding this debt. I sent another letter on XX/XX/2021 because I never received any communication except the letter that was mailed to me dated XX/XX/2021. I sent a letter requesting this debt to be removed as no communication was received from my second attempt to resolve this issue.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been tryin to loan mod by carrignton, I have turned in all paperwork they keep asking month after month. i sent in payments and they have never applied them to the balance. then they have denied my loan modification with no reason I have requested reason and still refuse to give me one.
Consumer complaint received 2024-09-09
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (MI)

XX/XX/21 notified credence to stop calling. Credence allegedly notated account and then called twice more within 45 min. 

XX/XX/21 credence called XXXX, XXXX, XXXX. When I answered they immediately hung up and then call again later. 

XX/XX/21 XXXX called credence back to notify them again to stop harassing and asked to speak to a supervisor or manager they refused. 

I am a 100 % XXXX woman please make them stop.
Consumer complaint received 2024-09-09
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. (FL)

I am writing to formally request the removal of the inaccurate and fraudulent accounts listed herein from my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my diligent effortsincluding submitting identity theft reports,
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CT)

XX/XX/2021 - I created my Gemini account on XX/XX/2021. 
- While my verification was processing, I connected Gemini to XXXX in order to withdraw funds. 
- I processed a withdraw from XXXX to Gemini  in the amount of {$530.00} - Gemini notified that I was required to complete a domestic wire transfer for ID verification in order to deposit, trade, or withdraw. This directly contradicts the acceptance of my deposit from XXXX. 

XX/XX/2021 I had to open a new bank account because my bank did not support wire transfers ; processed a wire transfer of {$150.00}. 

XX/XX/2021 The wire transfer completes. Gemini notifies me of the transfer. 
Gemini notifies via email that my ID verification is complete : " Your identity has been verified! Sign in to enjoy the full Gemini experience. '' I exchange my {$680.00} USD to XXXX. 
I attempt to withdraw my XXXX to an offline wallet. 
Gemini does not allow me to withdraw XXXX with an error message stating : " Your transfer requires additional review by our risk team and can not be completed at this time. '' There is no indication of what steps should be taken to resolve this issue. There are no instructions for how to proceed. 

I contacted support immediately. The only way is via creating a support ticket, there is no telephone contact information. 
I have yet to receive a response.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent dispute requests to TransUnion, XXXX and XXXX regarding the following accounts numbers : XXXX / XXXX / XXXX / XXXX. The dates of these disputes are as follows : XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a purchase of a wig from XXXX with my edd card on XX/XX/2020 which I did not receive until mid XXXX. Due to the holidays & covid and the time it was taking to receive mail especially at a XXXX XXXX XXXX did not actually receive it until sometime after XXXX But on XX/XX/XXXX I had respond back to XXXX that I had received the wig but was not satisfied with purchase & wanted to return it. Got several responses back from XXXX telling me not to send back was advised not return because postage is high & risk is unpredictable. Was told to take wig & have it styled & i said with covid could not be done nor did i want to put any more expense into something i was not at all satisfied with. On XX/XX/XXXX they said they would refund me 13 % & that i could keep the wig or sell it. The wig it cost me {$66.00} & any refund less than that amount was not acceptable to me especially after going on their website & reading their refund/return policy says nothing about a percentage of refund. Told them that they were fraudently trying to keep more money than they should be. So I went back and forth with them and the last amount they offered was {$25.00} dollars & to return wig but at this point it does sound like shipping back is unpredictable because they even state this in their website. These companies & their practices are just outrageous have not encountered such practices until now & beside this company Bank of America does not dispute any transaction for the customer they only deal with fraud and they don't even deal with the fraud well as all of world has been able to see. What bank does not back up any transaction made with a card they belongs to them that should be illegal in itself especially when it is a goverment agency they are handling it for.
Consumer complaint received 2021-03-18
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. (AL)

THIS IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF MY RIGHTS.