davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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. (NV)

I am writing to request the deletion of an inaccurate and fraudulent account present on my consumer credit reports and to bring to your attention the failure of XXXX BANK to provide the necessary proof of debt validation within the stipulated time frame of 30 days. I have previously sent certified dispute letters to this company to rectify the inaccuracies in my credit report and to ensure compliance with the FCRA, but this company never responded to me with the verifiable documentary proof, original consumer contract, or similar proof bearing my wet ink signature on it, 30 days went by and I received nothing from this company and this account was reinserted with no permissible purpose and without my consent. 

XXXX BANK claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, this account are still inaccurate and is continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. According to The Fair Credit Reporting Act ( FCRA ), the information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders XXXX use any of the XXXX to check a consumer 's credit history. XXXX BANK did not remove the inaccurate account that have been furnished on my consumer file and I have never gave my consent to re-insert or furnished this account. No consent is Identity Theft and I have attached evidence that XXXX BANK is in violation. 

I demand you cease and desist pursuant to federal laws XXXX U.S.C 1692c ( c ) and you are in violation if you continue to report this inaccurate information.

15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the completeness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

Im am formally disputing this information and according to the law, you may not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. 

15 USC 1681i ( a ) ( 5 ) ( B ) ( i ) Reinvestigations of disputed information : Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 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 Any other adverse item 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 2024-10-28
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. (FL)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The following information on my credit report is a result of that XXXX  : XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXXXXXX XXXX {$690.00} XXXXXXXX XXXX {$690.00} XXXX XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX  {$3400.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX I request that this information be blocked from my credit report within four business days, as outlined in section 605C of the Fair Credit Reporting Act. 

Please notify me of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (SC)

I was a tenant at XXXX XXXX. I moved out and contacted the front office several times before moving and noone never came to view the apartment. After several months i an being charged for carpet that gets replaced after every move in, cabinets that was broken before i moved in and a hole in the wall. All of these items was listed on a pre inspection report that the apartment complex has refused to provide. I have gone to the complex, called them, and emailed them and they refuse to give me a copy of the report which has all of the things listed that they are trying to charge me for. No one never came to fix any of these problems. XXXX XXXX  cant keep upfront managers or people that know how to conduct business. They are very fraudulent.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good day, I am sending and writing this complaint with extreme frustration and absolute certainty because there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I had to switch bank account numbers due to fraud and someone writing a check on my account by computerized means. 

My car payment was pending and I specifically asked if that payment would go through and I was assured it would. 

Well today I was notified the payment was returned and did not go through
Consumer complaint received 2024-10-23
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: TRANSWORLD SYSTEMS INC (TX)

I am writing regarding a debt that you claim I owe, referenced by the account number [ Account Number ]. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide validation of this debt. Please consider this letter a request for proof of the debt in question.

Specifically, I request the following information : The amount of the debt : A complete breakdown, including all fees, interest, and any other charges.

The original creditor : Documentation showing the name and contact information of the original creditor.

Proof of your legal authority to collect the debt : Copies of any agreements or contracts that confirm your authority to collect this debt.

Verification of my liability : Proof that I am the person responsible for this debt, including documentation of my agreement or signature on any relevant contracts.

Please understand that until I receive the requested information, I do not acknowledge or accept responsibility for this debt, and I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, until validation is provided.

If you are unable to validate the debt, I expect that you will remove this debt from my credit report and cease all collection efforts immediately.

Please send your response to me at the above address within 30 days of receiving this letter.

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We received notice after 9 months of trying to get a HEMP modification that we were approved by our mortgage company,  Select Portfolio Servicing , Inc. NMLS  #  XXXX .   We reviewed the documentation and were happy that we were approved for the 3 month trial payments and that our loan would be modified at 2 % for the remainder of the loan. We were also thrilled that our payments were now affordable.   After mak ing our 3 trial pay ments on time, we received the final modification paperwork that says the loan percentage is now 3.625 % and they want us to pay a balloon payment at the end of 25 years of {$320000.00} on a note that has a principal balance of {$590000.00}!   The numbers do n't add up to us and we feel like we are being taken advantage of ...   To make this worse, the 've given us a 10 day deadline to sign and agree.   This timeline does n't even give us an opportunity to review the modification with an attorney!   Please Help!   Thank you,  XXXX   XXXX  &  XXXX   XXXX
Consumer complaint received 2017-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Siggi LLC (CO)

I  XXXX   XXXX    XXXX  . According to my credit report this loan was opened  XXXX   XXXX    XXXX  . The original loan amount was  XXXX , and now it shows  XXXX . I did not take out this loan considering i was  XXXX  to  XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to    XXXX   XXXX  . I called   XXXX   XXXX   to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali.   XXXX   only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with  XXXX  several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (SC)

I bank with Chime and they let someone steal my money i did not authorize them to send a transfer two transfer of XXXX and XXXX and they will not give it back they keep saying i did it and i have sent polie report screen shots and other info. and i need my money
Consumer complaint received 2024-09-27
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: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-26
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. (NY)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2017-05-18
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Student Aid (USA) Funds (FL)

I had  a  XX/XX/XXXX  stud ent loan originally with  XXXX  that was sold to  XXXX  /USA Funds t hat was not consolidated with my total  Student  loans due to transferring loan providers/attempting to collect while I was still attending school. These smaller loans demanded to be paid the same $  XXXX /mo payments as my large loan which I could not afford while I was in school or after. They went into default before my loans were due for repayment after graduation in  XX/XX/XXXX  because I had no additional income with my large loan taking priority.     In  XX/XX/XXXX , these loans were paid off with the Department of Education. I sent proof to all  XXXX  credit bureaus and everything was reported paid. Last week, I checked my credit status again and found  USA   Funds/  XXXX  was reporting I owed {$19.00} and {$12.00} (  XXXX  totals : {$17.00} & {$10.00} on FAFSA site  XX/XX/XXXX  ) and it has been reported as past due since  XX/XX/XXXX . I have not received an invoice or bill for these outstanding balances . USA Fu nds does n't accept calls.  XXXX  does n't reflect I have an account any longer so I can not access information from them directly. I found that  XXXX   XXXX  in MA is handling their disputes now but no one is providing me any information so I can pay or have these amounts closed.     I understand  USA f unds has agreed to refund $  XXXX  in fees charged, and I am sure they want to get something out of me or  the Dept of Education. However, my debt was paid to the federal direct loan provider, and my balance should reflect {$0.00} owed by USA  Funds/  XXXX   as well.
Consumer complaint received 2024-10-27
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. (NJ)

I received a notice that I was being sued for a debt that doesn't belong to me. In XXXX I was informed by Florida XXXX XXXX XXXX XXXX XXXX XXXX that my identity had been compromised. I went into the office to get more information and was told someone came into the office changed my address and took a picture and had the ID routed to an address in Corral Gables, FL. At that time FHSMV didn't give an ID with a XXXX endorsement immediately because they must perform a background check. I asked when this happened and they gave a date. I asked what documents they presented but they didn't have that information. This incident explained why since about XXXX when an avalanche of credit accounts and payday loans and scam calls and repeated incursions into my computer networks were occurring. These incidents persist to this day. When I was informed in XXXX I asked XXXX what they had done or planned to do. They told me nothing and it was my responsibility. I was advised to buy credit monitoring services and file a police report at the XXXX XXXX police department. At the time I was working in the XXXX XXXX XXXX XXXX XXXX and I didn't have a working vehicle so i didn't file the report. I called the XXXX XXXX police department and asked could I file the report online. They told me I had to do it in person. They also asked when did i think it happened and who I suspect did it? I gave them that information from the XXXX and told they the ID theft was probably the result of a data breach. The police told me that filing the report was probably a waste of time because data breaches were the FBI and Secret Services jurisdiction.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

My name : This is my legal name XXXX XXXX XXXX delete any other references to names as they are not mine and I have never used any of them. 
My address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Enclosed are copies of documents supporting my claim, including ( State ID, utility bill ). These documents provide evidence of my correct personal information. 
Please investigate these inaccuracies and update my credit report accordingly. And I request a new report when you have completed so I may continue to verify its accuracy. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-19
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: EQUIFAX, INC. (VA)

DISPUTED THIS ITEM WITH CREDIT REPORTING AGENCY The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> UNAUTHORIZED INQUIRES ON MY CREDIT REPORT THAT I WOULD LIKE REMOVED ACCORDING TO THE FCRA, THESE ARE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED! 

FTC REPORT FILED. 
The Fair Credit Reporting Act ( FCRA ) outlines permissible purposes for accessing a consumer 's credit report in 15 U.S.C. 1681b. Here 's a summary of this section : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports Under this section, a consumer reporting agency may furnish a consumer report only under the following circumstances : In Connection with a Credit Transaction : To a person who intends to use the information in connection with a credit transaction involving the consumer on whom the report is furnished. 
For Employment Purposes : To an employer or prospective employer, with the consumer 's written consent, for the purpose of evaluating the consumer for employment, promotion, reassignment, or retention. 
In Connection with Insurance : To an insurance company to evaluate a consumer 's application for insurance, or to review an existing insurance policy. 
For Rental Agreements : To a person who intends to use the information in connection with the underwriting of a rental agreement. 
For Government Benefits : To a governmental authority to determine eligibility for government benefits. 
For Business Transactions : To a person with whom the consumer has an existing business relationship, or to evaluate a business transaction initiated by the consumer. 
For Collection of Debt : To a collection agency or debt collector for the purpose of collecting a debt. 
In Response to a Court Order : To comply with a court order or federal grand jury subpoena. 
For Investigative Purposes : To a person who is conducting an investigation with respect to a consumer 's creditworthiness, credit standing, or credit capacity, provided that the information is used for a lawful purpose.
Consumer complaint received 2024-08-19
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 disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account ans can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>,
Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

I moved money to Wise.com, a total of {$600.00}. They advertise instantaneous availability, and after a few days it still wasn't there. Then out of the blue the account is closed without any reason, no ability to get in contact with anyone, you need to login but my account is deactivated. got in contact via twitter, person has no ability to give me any indication if my money will ever be refunded under what timeline. 

They take your money, deactivate your account and you lose access to funds.