davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX ; knows that his corporation transferred absolutely no assets pursuant to and in violation of 26 CFR 1.856-6 SS ( A ) ( 3 ) of the Treasury Regulations , which governs Title 856 ( c ) ( 1 ), which states XXXX XXXX XXXX must file a tax return & statement to qualify as real estate investment trust ( REIT ). The alleged note to this transaction was never transferred into the XXXX. This prohibited transaction voids any presumed contract, as XXXX XXXX XXXX never actually owned my money ( promissory note ) to begin with. Title 26 Section 856 ( c ) ( 1 ) requires XXXX XXXX XXXX to take an election to treat the XXXX as a REIT in order to get the tax exclusion that allows for XXXX XXXX XXXX not to be required to pay income tax on the investor payouts. Returns were never filed, so this purported loan was unsecured and in-default at closing. He knows that because of this fraudulent transaction, that XXXX XXXX XXXX is a debtor in possession of contraband, upon which a lien has been attached under 6324 ( C ) ( 2 ) of Title 26 of the Internal Revenue Code until the Capital Transfer Tax is paid in full. He also knows that because everything Ive stated is 100 % true, that pursuant to 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Im not obligated to pay for this fraudulent activity as this company has failed to produce a valid contract upon which this purported claims stands.Therefore this information needs to be investigated, as all communications, including but not limited to credit reporting, cease and desist.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (MI)

The company kept stating that I was the one who submitted the application with no proof when I asked for documentation, stating that XXXX XXXX XXXX was the allergic one that submitted and agreed to the Policy terms. They stated that theyre having technical difficulties and to call back and one or two business days. When I called back on the third day they stated that they couldnt pull up my application, but yet it still remains on my credit file
Consumer complaint received 2024-10-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I am disputing this due to inaccurate balance and also false information printed on the papers I received I have proof of XXXX payment and the papers say I owed XXXX and asked to have payments combined in which I did not. I asked for an extra week to pay off the last payment and was told I would have to start my settlement over. Now I am receiving papers saying the account balance is XXXX when I have already made 3 payments of XXXX therefore I have paid the balance already. Your papers say I only paid two payments but my account statement proves you took 3 of XXXX therefore the information is inaccurate. Wells Fargo also put the balance of XXXX on my credit and now took it back off and out XXXX on my credit when papers say the debt owed is XXXX therefore that is also false information I wish for this entire debt to either be fixed or removed from my credit due yo inaccurate reporting and falsifying information on ones credit. To continue to change their reporting amount over and over is fraud. The car was sold after repossession and they have received their money back already.
Consumer complaint received 2024-08-12
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. (TX)

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I formally demand the immediate blocking and removal of these accounts, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (PA)

I bought insurance for only one driver from the XXXX XXXX   but have found a cheaper price from another insurance company. 

I soon as I cancel my insurance, I was told that I still owe around {$300.00} because additional drivers were added to my policy without my knowledge or authorization. 

They have no right to add another licensed driver who doesnt live in my place. The point is, they have no right to list two drivers just because they thought they live in my house. 

After contacting the XXXX XXXX, I was told that their system shows that they might be additional people live on my place, they thought it was my uncle and grandfather so they needed to add them without my knowledge or permission, I told them that my grandfather and uncle never lived in my place. They have their own houses plus my grandpa doesnt even have a driver license he is too old and turned it in for state ID replacement. 

I was also told by the agent who sold me a policy that it was a mistake possibly based on information XXXX XXXX had from an old insurance policy which was under my grandpa and uncle name and I was an additional driver, but that policy was canceled and done a while ago. Also, the agent who sold me the policy has told me that I didnt owe anything, but recently I found out that they have reported the wrong information on my credit history. 

I have the right to have their dispute investigated. The XXXX XXXX company is dishonest insurance agents and fraud consumers by adding drivers without the owner of the policy authorization. For that, I needed to pay extra insurance payments. They have no right to put collection on my credit. The XXXX   XXXX  company was done was illegal activity for consumers.
Consumer complaint received 2024-08-12
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. (FL)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH CASH APP AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-08-13
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-13
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 reaching out for your assistance with the incorrect entry on my credit report. This matter has negatively affected my reputation, and I need your help to resolve it. The way you have handled my credit report has caused significant damage, leaving my reputation in ruins due to your inaccurate reporting. I urge you to correct these issues so that I can live peacefully with my family.
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (IL)

Accounts the  XXXX XXXX XXXX- account number XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (NH)

I have been trying to access my CoinBase account for 3 days now. I have verified my phone number, my email, my ID, and submitted videos of me to the website. These have all been denied within minutes and I am completely unable to contact any humans at the company for support. Their support page directs me to a phone number which directs me back to the website support page. They have run me around in circles for days and blocked me from accessing my funds.
Consumer complaint received 2024-10-23
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I called the credit card company and I was told that I can not use the card on any websites that require my address. Nearly all websites and even purchasing gas requires a credit card be linked to your address. As such I have not been able to use the card at all.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-08-12
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/XXXX around XXXX I went to a chime atm to withdraw {$500.00} from my chime debit card. While waiting for the money to dispense I was opening my wallet and didnt grab the cash in time and the ATM closed up with my {$500.00} and told me to call my bank and printed a receipt. I immediately called my bank and they told me I had to wait for the transaction to settle before I could file a dispute. The agent I spoke with said she will leave a note with my account stating what happened. On XX/XX/XXXX I called to file the dispute after the transaction settled. I provided all information including the receipt from the ATM. No credit was provided to me while waiting for the dispute and I got an email around XXXX XX/XX/XXXX saying the investigation was concluded and they found no error, despite me never getting my money. The investigation wasnt even a full XXXX hours and during a bank holiday!
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im reaching out to request your assistance in removing some information from my credit report. Im a victim of debt bondage due to human trafficking, and Ive been working with an advocacy group to get support. According to guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule, Im entitled to have this information blocked and removed. According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documentation, including a picture ID, a bill, and a letter from an advocacy group assisting me with my situation related to human trafficking and debt bondage. This falls under the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ).

I kindly request that you block the relevant information from my credit report within four business days, as specified in Section 605C of the Fair Credit Reporting Act. I have submitted all required documents, including the identification and information from the list of acceptable items, and a victim determination letter in accordance with 1022.142 ( b ) ( 6 ).

Thank you for your attention to this matter. 

Specifically, I need the following account removed from my credit report within four business days, as outlined in Section 605C of the Fair Credit Reporting Act : XXXX XXXX BANK XXXX {$880.00} Your understanding and prompt action on this matter would mean a great deal to me. Thank you for your help.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXXXXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX XXXX  XXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for a few months and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.
Consumer complaint received 2024-08-13
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. (MA)

" I am writing to delete the following information from my file. The item I deleted listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible "
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have my loan with XXXX XXXX XXXX XXXX , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX XXXX my loan to the company XXXX XXXX, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But XXXX XXXX Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call XXXX XXXX and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

Thanks. 
XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I sent a validation of debt letter to Portfolio Recovery Associates LLC a XXXX XXXX credit card that is reporting to my credit report. I asked them to validate my debt and they sent me a copy of an old bill. The debt was not validated like I asked. I have never had a XXXX XXXX credit card. I have attached a copy of the letter I sent to Portfolio Recovery Associates and the response they sent back.
Consumer complaint received 2024-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ZuntaFi Corp (MN)

I received an email from the XXXX that said XXXX and another lender have discharged private loans due to predatory lending. It said if my private lender was not on the list, to send a request to have my loans discharged. It also said if I did not receive a response in 30 days to reach our to CFPB. I sent an email and letter of request on XX/XX/year>. I sent an email and called the company ( Zuntafi ) last week. It has now been 30 days and I have not received back an email or a phone call. 
In my letter, I asked for information on what steps I need to take to have the loans discharged. I have not gotten that information.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-13
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. (PA)

I am filing this complaint because TransUnion has failed to address a dispute I submitted regarding unauthorized hard inquiries on my credit report. I informed TransUnion that the following companies conducted hard inquiries on my credit report without my explicit consent, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ) : XXXX. XXXX XXXX ( XXXX ) - XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I had clearly communicated to the car dealership that I was already approved for financing through XXXX  XXXX and that no additional inquiries were necessary. Despite this, my credit was pulled by these companies, resulting in multiple hard inquiries that I did not authorize. 

I requested that TransUnion investigate and remove these unauthorized inquiries from my credit report. However, TransUnion has either failed to respond or refused to remove the inquiries, which continues to harm my credit score and overall credit profile.