davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021, I hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company above to pull or review my consumer report. Additionally, I have not given XXXX, XXXX or Transunion permission to to furnish this information. Having understood this is a violation 15 USC1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2021-04-01
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. (TX)

I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX. I have sent many letters with no response from the bureaus. This is a violation of the Fair Credit Reporting Act and the erroneous accounts must be removed. I have attached the last round of letters sent along with the certified mail receipt numbers for confirmation that the bureaus received the letters. 

Certified mail receipt numbers XXXX Equifax XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2020-11-02
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. (TX)

Credit Reporting agency 's are inaccurately reporting XXXX XXXX Account that was completely paid off by my insurance company for total loss. There is no balance owed. The reporting agency is reporting a balance and there is none.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

We received a tax notice in XXXX of XXXX for our local school tax. I contacted our mortgage broker and he stated that the mortgage company would handle this due to being in escrow. We received another tax notice in the mail in XXXX that the bill was still not paid and it was due by XX/XX/XXXX or a late fee would be charged. I called the mortgage company, PHH Mortgage, and spoke with an employee. She asked me to send it to the tax branch of the company and gave me an email address. I sent the email to the address with a copy of the bill attached. My wife then received a letter in the mail on XX/XX/XXXX that the school taxes were still unpaid and we had been turned over to a collection agency. I then contacted PHH Mortgage again shortly after receiving the notice and spoke with another employee. This was done on a conference call with our mortgage broker. The employee was sent all this bills and the letter and he stated that it would be taken care of in five business days from the phone call and that I would receive a letter in the mail in five business stating such. It was also determined that the money for the amount owed was in the escrow account. Two weeks later, I heard nothing from PHH Mortgage and the taxes were still outstanding. I then called again and spoke with another employee. He sent me to a different employee by the name of XXXX. I explained to him yet again the issue I was having and what we needed handled. I again sent him a copy of the letter received in the mail and he advised me that the tax office would be contacted and the issue would be resolved in five business days. After five business days, he called me and stated that they would need more time to handle the issue. With a deadline quickly approaching and the risk of being turned over to a debt collection, I feel the issue will not be resolved in time without the assistance of someone else other than me.
Consumer complaint received 2021-04-07
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: WELLS FARGO & COMPANY (CA)

I had mailed a letter to XXXX back in XX/XX/2021 regarding fraudulent reporting on behalf of Wells Fargo regarding payment dates on a closed Collection account which is still affecting me negatively. I called in to XXXX to check on the status and went and filed a dispute over the phone with one of their representatives. It has been over 30 days and this has not been removed from my Credit Report nor has it been updated yet.
Consumer complaint received 2022-02-15
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (OK)

I have used Western Union to send gift to friends and have used it when traveling. When I went to sign in was told that I had to fill out a questionnaire. I did so and was then told that I could not qualify to use there services anymore. Not sure why? I sent letter and ask for the supervisor to tell me what the problem is. Still have not gotten an answer Here is the letter that I got back. Still do not know why or what is going on : Reference number : XXXX XXXX XXXX, Thank you for your patience while we further reviewed the investigation conducted pertaining to the decision made to no longer offer services to you. Please be advised that after further review, the decision to no longer offer services to you is to remain in place. 

We understand that this not the answer you were hoping for ; please note that this decision was not made lightly and we ensured that an appropriate and complete review was done for of all available information. We cant disclose why the service was discontinued. Our decision is solely based on our commitment to maintaining a strong and compliant financial system. Please see our Terms and Conditions to learn more. 

Were sorry for the inconvenience and thank you for your understanding. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. 

Sincerely XXXX XXXX. 
Executive Resolutions Team Please read our Privacy Statement to find out how we process your personal data. 

ref :! XXXX.! XXXX : ref Reference number : XXXX XXXX XXXX, Thank you for reaching out. We appreciate your business and are truly sorry for the experience you had while using our services. 

Im one of the Executive Resolutions team experts at Western Union who is handling your claim. 

Based on the information provided in your reinstatement questionnaire, weve decided to no longer offer services to you. While we understand this may not be the answer you were hoping for, weve reviewed all of the available information, and our original decision remains in place. We cant disclose why the service was discontinued. Our decision is solely based on our commitment to maintaining a strong and compliant financial system. Please see our Terms and Conditions to learn more. 

Were sorry for the inconvenience and thank you for your understanding. 

If you have any questions or concerns, please email us at XXXX or call our corporate headquarters at ( XXXX ) XXXX ( international call charges may apply ), providing your reference number XXXX to connect with me directly. 

Sincerely XXXX XXXX. 
Executive Resolutions Team
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (MI)

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2021-04-02
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. (LA)

This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lending Club Corp (MD)

i received a collection letter stating i owed to a lending company i did not open an account at. There are 2 accounts open under my name with my information, however the email is not mine. I never open these accounts. I contacted the lending company and they would not give me any information stating they would mark these fraudulent. I received the letters from the lending company showing they charges off the accounts which where open as deposit accounts. One for {$1900.00} and one for {$100.00}. They said i need to file a complaint here and with my local police department. These were not opened by me.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (CA)

On XX/XX/2022 I found out my card was over the limit. I then found out the reason, someone had used it in XXXXXXXX XXXX without my permission. They had gone to XXXX XXXX, a liquor store and bought Gift cards, as well as XXXX Parking meters. 

I notified the Continental Finance, aka XXXX XXXX XXXX  about the fraud. I have spent hours on the phone to get resolved. I am still waiting on the replacement Credit card. 

Their website is NOT user friendly at all. XXXX graphics and unable to easily navigate, download and solve muchless understand the many fraudulent charges. 

I have used hours on the phone. Today is the last straw after being promised over and over my replacement card was being mailed only to call back days later and it has not been mailed. But today when I tried to log on I am notified " unable to grant you access at this time. Please contact XXXX Services and XXXX XXXX XXXX XXXX After calling and getting the same XXXX script from XXXX  representatives I was told to call back and get try to get someone. He then puts me on hold until the phone dropped and I had to call back. 

I have never spoken with XXXX, the fraud manager assigned to my account. 

Now I learned the replacement account was flagged as fraud as well. I was told not to make any payment on the account until I get the 3rd replacement card and call back in, but I am responsible for all legitimate charges. I tried making the account and keep getting passed and find out my account is now closed and all I can do is pay this account off in full or it will be turned to collection. 

This has caused my credit score to drop over XXXX points. It cost me time, energy, money, physically as well as reputation. 

I am so frustrated. I need to find an attorney for class action as I am sure I am not the only person having this issue with them. Thanks
Consumer complaint received 2022-10-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (GA)

i was involve with in one credit acceptance law suit where Thousands of Massachusetts consumers, many of them first-time car buyers, put their faith in XXXX  to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles, which the state of Massachusetts won and my debt was supposed to be resolved but time i talk to the supervisor is busy and should call again some time.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I am an identity theft victim. I have credit freezes placed at all 3 credit bureaus and at XXXX XXXX. I don't have any accounts with TD Bank. 
on XX/XX/XXXX I received a TD Bank statement for an account that I did not open. Called customer service but could not get to any person. 
on XX/XX/XXXX went to TD Bank XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XX/XX/XXXXNYXXXX. The manager XXXX XXXX was very helpful. She called Fraud Specialist XXXX XXXX XXXX and reported the fraud. Apparently two accounts were opened online, one checking and one saving. Ms. XXXX gave me the direct number for Fraud Resolution Department. 
For good measure I also called TD Bank Fraud Resolution Department and reported the fraud to XXXX. She said that she closed both accounts. 
I thought that it the end of it yet on XX/XX/XXXX I received another TD Bank Statement. Called their Fraud Resolution Department and spoke to XXXX. She said that the accounts were closed but she could not explain why I received another statement. 
It is also difficult to understand how a bank can open an account to my name while I have security freezes placed at all 3 credit bureaus and at Chex Systems.
Consumer complaint received 2022-02-15
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. (AZ)

Transunion reported my FICO score as XXXX on the XXXX of XXXX, on XX/XX/XXXX Transunion reported my FICO score as XXXX, XXXX point difference in 3 days, my problem is that nothing changed on my credit bureau whatsoever, not one minute thing! My score factor stated that I had no loans for a long enough period of time, my length of credit was 11 years. They also stated I had delinquency, I have no delinquency whatsoever. I contacted Transunion and they stated they don't know why this happened! They use FICO score 3, the same as XXXX and XXXX, my scores from those 2 bureau average XXXX and contain the exact same information as Transunion. This is causing me an issue regarding obtaining a better interest rate.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (DE)

Experian is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

I have tried several times to request a copy of my consumer report from sage-stream via their website and my mail. I was advised that i would received it within 10 days from the date of the request. I requested the report twice in XXXX and twice in XXXX of 2020 and XX/XX/2020 with no luck. I demand that this company send me a copy of my consumer report via mail immediately as it is my right as a consumer to have a copy of such file.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, 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)

Discovery has 2 inquires in my account in XX/XX/XXXX and one in XX/XX/XXXX, XXXX has inquiry in XX/XX/XXXX I didnt not authorized per FRCA File # XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC is attempting to collect a debt that was fraudulently opened. Original creditor XXXX XXXX XXXX XXXX  has removed trade line due to fraud. Debt was sold to XXXX XXXX XXXX  which then sold to LVNV. Please provide original application showing my signature for debt validation or remove fraudulent trade lines.
Consumer complaint received 2024-09-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc. (IN)

Before closing on my deal, I was offered an incentive that allowed me to refinance my house for free within a XXXX period. Unfortunately, after closing, my loan was sold to a different lender. Now better mortgage are in denial of this agreement.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for the XXXX XXXX XXXX Credit card on XXXX  XX/XX/2022 through XXXX XXXX. On my transunion credit report it is showing 3 inquires when I only applied 1 time. I contacted Transunion and they told me to contact the lender to get a deletion letter. I contacted XXXX XXXX  and they said they only show 1 inquiry and that they couldnt help me and told me to contact Transunion to get it removed and when I explained I had already contacted them they told me there was nothing they could do. Can you please help? Transition said I could also have a report from the FTC to get this removed.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America continues to report checking account fraud and account abuse after my repeated disputes to lawfully get these comments and the entire Bank of America account listing removed from my XXXX XXXX XXXX XXXX XXXX. I've done nothing wrong and Bank of America has yet to prove why it's not removing these illegal comments and the entire account listing for that matter. If Bank of America 's stance is solely based on the fraud/abuse comments within their XXXX  listing, then the entire account listing must be removed from XXXX XXXX XXXX , XXXX