davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (IA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HJAVE VIOLATED MMY FEDERALLY PROTECYED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX  XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX HAS VOILATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTOIN 604 A SECTION 2 IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY ONFORMATION REL ; ATED 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 2021-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROBINHOOD MARKETS INC. (NY)

I am a plaintiff from XXXX XXXX XXXX looking to file a federal law suit and sue XXXX XXXX platform ( fraudulent trading company ) ceos and the associated hedge funds for a undisclosed amount.There are no lawyers in my area who specialize in this type of file and your the only website who specializes in this .XXXX broke two federal laws in which i was affected.I had stocks and not trade options ( which i would ineligible if i had trade options ) of XXXX  and XXXX  and before the XXXX  trading halt which resulted in selling it for a loss a minute and days later respectively.I was only allowed to close my positions and not open any new ones.The XXXX  frency/trading halt also affected stock of XXXX  , XXXX  , XXXX  , XXXX XXXX XXXX, XXXX.I lost alot of money which could have been prevented if robinhood allows the time between trades to be less.I also apply and was accepted into option trading without any prior option trading experience and income requirements from robinhood and the robinhood bots accepted me.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, 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 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX, GA XXXX XXXX, WA XXXX To whom this concerns, XX/XX/2021 On XX/XX/2021, my wife and I both filed disputes with Equifax sent by Certified Mail. Both of these Disputes were received by Equifax on XX/XX/2021. ( Copies of both letter/ and Certified Receipts are included here. Along with a complete Identification used in making my Dispute ). In addition, I also sent like Disputes to both XXXX  & XXXX. Where I have received Investigation Results from each using the exact same Identification Information and similar Dispute letters.

Equifax then refused to conduct the Required Investigation on the basis that I needed to provide additional identification in identifying myself. The item you choose MUST contain your complete 9-digit Social Security number. The Certified Credit report used in consideration of a Home Mortgage was provided and clearly demonstrates that Equifax accepted my Identity in selling my Credit Files to them on XX/XX/2021. Which was in turn sold by them to XXXX XXXX XXXX in consideration of a Home Mortgage. Which is clearly stated in my letter of Dispute.

In addition, Equifax also required : Please make a copy of one of the following items. Drivers license. ( see attachments ). Which was noted in my letter of Dispute, twice, and included with the Dispute. Then, you chose to send your Notice to the same Name and Address Equifax claims they have no file on? Which either demonstrates Equifaxs willingness to provide a Notice to some anonymous person you knowingly dont recognize, using my name? Or, demonstrates a Willful Noncompliance with the Federal Law : 15 U.S. Code 1681i Procedure in case of disputed accuracy.

Here Ive demonstrated the exact same information that was required Equifax, a second time. Where I now require that Equifax Delete all of the account information contained in my Dispute for Willful Failure to Investigate said accounts in the prescribed time-frame of, 30 days. As youve clearly SOLD my file to the identical information provided to you. 
Regards, XXXX XXXX XXXX CC : CFPB FTC WA AG File
Consumer complaint received 2020-08-06
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX  XXXX | XX/XX/XXXX.
Consumer complaint received 2020-08-06
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: Experian Information Solutions Inc. (TX)

I have been trying to resolve an account with the company XXXX, XXXX. The account number with XXXX is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. 

I have also disputed this account with XXXX  and Experian both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for XXXX on my credit report is : XXXX. This account with XXXX has been removed from my XXXX  report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX  report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
Consumer complaint received 2020-08-06
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 — Was not notified of investigation status or results
Company: AES/PHEAA (PA)

FedLoan Servicing Credit failure to MOV. failure to comply with FCRA 611 ( a ) ( 7 )  within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TN)

I tried to contact American Express directly because I knew I was late because a client had not paid me and I have now had to file a lawsuit. American Express said I was a day late and they had sent me to collections and they could not help me. At that time the amount was around {$40000.00} but I could not even confirm this amount and they said they tool almost XXXX in points. On XX/XX/2020 I received a debt collection letter from XXXX XXXX which said I owed {$52000.00} which I had paid {$12000.00} directly to AMEX. Then on XX/XX/2020 I received a notice that I owed {>= $1,000,000}. These amounts were disputed and now I am getting debt collection notices from XXXX XXXX , XXXX saying I owe {$44000.00}.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hello Equafix will not remove This 6 items on my report from the fXXXX XXXX XXXX. I already worked very thing out with my lenders and My account is current closed or in a. forbearance agreement, i also have a XXXX payment balance with This accout Please help me!!!!. XXXX  all ready removed these items off my report now im just waiting for XXXX  to comply.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have 21 different accounts with DEPT OF ED/XXXX and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OR)

I had a checking account with wells Fargo with approximately 4800.00 in it. All of this vanished without any notices whatsoever. What's worse is they claim to have no record of my account or anything about me. All my files relating to the account we're tragically burned in an unfortunate fire. So you see my predicament.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Again, this is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2023, I called my Mortgage Lender regarding a shortfall in my XXXX Mortgage Payment. The shortfall in payment of {$30.00} was due to the increase in Escrow Impound installment amount. Because of this shortfall, the Lender charged me {$120.00} in Penalty. 

I find this Penalty of {$120.00} unreasonable and an unfair practice by the lender due to the following reasons. 

XXXX. My XXXX Mortgage payment, which was on autopay with my bank, was paid on time but short {$30.00} due to the increase in Escrow Impound amount. 
XXXX. The Escrow Impound amount is not the Lenders money, but rather my money being kept by the Lender on my behalf for Taxes and Insurance.

3. Why am I being charged a penalty on my own money.

4. This practice of charging a Penalty on a shortfall of {$30.00} due to an increase in Escrow Impound amount is unfair and excessive and should be stopped.

5. {$120.00} penalty on a shortfall of {$30.00} is 400 % penalty which is very excessive.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Consider this as a follow-up complaint to my previous complaint that contained these erroneous items : XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These records and items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In an attempt to collect an invalidated debt, XXXX, XXXX. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, XXXX XXXX threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by XXXX to collect something that has not been validated and that I do not owe. I am fearful that XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX, XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX, XXXX for multiple consumer rights violations. Pursuant to XXXX5 USC 1692k.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (PA)

I am writing to delete the following 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 the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the file number from the credit reporting company. XXXX  XXXX. 
They are saying this my account when it was sold to an collection company with giving me a copy of the purchase agreement. This shows the incorrections.
Consumer complaint received 2020-01-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

In XXXX, XXXX XXXX in clear violation of fora places a collection account on my Experian report falsely stating an account with XXXX is in collection. 
I have never had a credit account with XXXX, upon further investigation I discovered that XXXX XXXX is falsely claiming credit for a returned purchase to XXXX. 
I disputed said account with Experian and it was deleted in XXXX. 
On XX/XX/XXXX in another clear violation with fcra laws XXXX places same said account under collections with Experian by falsifying account number and dates. 
Experian in violation fcra law that requires 5 day notification before said account is listed and without information to confirm said debt, placed derogatory information on my credit report to my detriment again after it was deleted in XXXX.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$28000.00} XXXX XXXX   XXXX {$220.00}
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Navient Solutions, LLC. (OH)

I was with Sallie Mae, then with Navient, not by choice. I have for two years now had to have my husband file Injured Spouse form as Navient keeps trying to take HIS refund. I do not work. This company took my ability to manage my loans online, completely removing any access I had, even while I was in distress on my loans. They extort money from my husband and make us WAIT for months after filling out this IS form from the IRS. 
They have RUINED my credit score, even as I tried to keep my loans in forbearance and out of collections, as of today, i can't pull my free credit report at all.
Consumer complaint received 2021-08-04
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. (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX, XXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX  XXXX/XXXX # XXXX .XXXX  XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., XX/XX/XXXX ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

INVESTIGATION HAVE PASSED 30 DAYS AS REQUIRED BY LAW AND TRANSUNION FAILURE TO VERIFY ACCOUNTS AND PROVIDE AN APPROPRIATE LEGAL AND LAWFUL ANSWER. NOTHING WAS LAWFULLY VERIFIED. 
SEE ATTACHMENT!