davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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. (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 U.S. CODE 1681, 15 U.S. CODE 1681B, 15 U.S. CODE 1681C-2, 15 U.S. CODE 1681 S-2. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1681b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) The person who obtains such report from the agency certifies to the agency that ( i ) The person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) The consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

15 U.S. Code 1681 C-2 Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

15 U.S. Code 1681 S-2 ( 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.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2023 I received a spoofed phone call from a scammer using the Wells Fargo phone number. He proceeded to see if I authorized a {$2000.00} XXXX transaction someone was trying to complete using my checking account. I said no, and stayed on the phone to make sure it was resolved. In the meantime he asked if I had received any notifications via text or email letting me know of this unauthorized transaction, which I said no to. He worked to find out why I wasnt receiving the notifications. Once he got a notification to come through he was then able to hack into my account. He then locked me out of my account, hung up on me and then proceeded to make {$7500.00} worth of transactions to his own XXXX account from my checking account. At this time, I realized what had just happened and immediately called back to Wells Fargo and spoke with a real agent. He informed me frantically that I just been scammed! He locked my account, changed my account numbers, canceled my checking account debit cards and I was sent new ones, and we made the necessary fraud claims. I was told they had the information they needed and the claim would go into the hands of an investigator who would have 1-10 business days to complete the investigation. I was also told he would reach out to me for further information. I called Wells Fargo everyday for 10 days. I asked for managers and was never able to speak to one. I never received one phone call from an investigator and found out when I called on Friday, XX/XX/XXXX that my claim had been denied. The Wells Fargo Fraud department agent would not give me any information as to why it was denied. I completed a complaint to Wells Fargo and did a request to have all the investigators documents he used on my case to be sent to me so I could review them. I was told that could take up to 30 business days. Wells Fargo has not done anything to communicate or protect my money in this situation. I have filed a police report and all of the necessary steps reporting the fraud. I need to know how to move forward to get my money back. I am not going to take no as an answer for {$7500.00} being stolen from account and Wells Fargo doing nothing to help me get it back!
Consumer complaint received 2020-11-11
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. (FL)

I am very upset over the credit report I recently received! This is totally out of control. This is a written request that you investigate specific items that I believe to be reported in error. 

These items are not correct and are causing me financial and emotional distress because of their derogative nature. 
I don't know where you got the following accounts.
Consumer complaint received 2023-07-11
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. (NJ)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-07-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES LLC To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021. Wells Fargo bank charger my account for a transaction that I did not authorize. It was listed on my account as XXXX XXXX XXXX XXXXXXXX. I spoke to 5 different people whom I didnt receive any information from nor did my issue get resolved. 

I have 3 claim # s that I received XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is reporting inaccurate latenesses on my consumer credit profile from XX/XX/XXXX through XX/XX/XXXX on my XXXX  XXXX account ending in XXXX. When my accounts was in a Deferred/ Forbearance status. In addition, to Latenesses reported from XXXX XXXX XXXX As youre aware Section 4021. Of the CARES ACT states SEC. 4021. CREDIT PROTECTION DURING COVID19. 
( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. 
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ;
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (FL)

The bank has for XXXX continuously reported information wrong on app and online banking that does not aline with reps on phone or bank office locations. When transferring money to 1 account is over withdrawn it marks all accounts overwithdrawn. 

I do not know what is correct in my accounts for over 6 months and have made recordings and screen shoots of the calls informed bank with no action taken. 

I have more documention then what is attached.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (LA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-07-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

We purchased our home XX/XX/XXXX and M & T bank was assigned as our mortgage company. We recently discovered on XX/XX/XXXX that our monthly mortgage payment has increased by {$310.00} a month without any notification via letter or email from M & T bank due to our taxes and homeowner 's insurance increasing by {$1300.00} for the year. However, M & T bank created a reserve escrow account in which they are collecting {$3800.00} for the year rather than {$1300.00} which is a difference of {$2400.00} extra. They said they do their escrow analysis every XXXX but we NEVER received any correspondences from M & T bank that our monthly mortgage payment would increase due to a reserve escrow account until we logged into our account on XX/XX/XXXX to make a payment and discovered it increased. Then when we called M & T bank on XX/XX/XXXX we discovered that we were supposed to have received a refund check in XXXX of XXXX for {$540.00} that we NEVER received! This was due to paying over in our escrow as well! M & T bank said they would reissue the check for {$540.00} this month to us and that we will go through the same process again next year for this years overpayment in escrow! They are charging us DOUBLE in escrow for the year what we need to pay!! My husband is a Veteran of the XXXX XXXX and this is a VA home loan and we have NEVER experienced anything this shady before! We have been with XXXX XXXX, XXXX XXXX and a bunch of other lenders and this is the first time we've encountered anything like this! Please help us!
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-07-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC (SC)

Receivable Managment Corp. Acct # XXXX In regard to this unauthorized inquiry from this company that had been placed on my credit report without my permission. Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ).

I don't recall applying for credit with this company.
Consumer complaint received 2023-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I sent {$30.00} ( with an additional {$1.00} fee to PayPal ) to a scammer on accident. I was trying to send a donation to a field scientist conducting research. When I reached out on social media to ask the scientist if they had a PayPal or similar payment app a scam account that looked exactly like the actual scientist 's account replied immediately with their own PayPal email address. Not being aware of this kind of scam I sent the donation and checked the " Friends and Family '' box on PayPal which apparently waives all protections. After sending the money I went back and saw the account was a fake and after XXXX that email address I can see it's being used all over social networks to scam people and has been for months. I contacted PayPal about cancelling the payment or a possible refund, opened a dispute case, and told them all this with pertinent details and they closed my case without any kind of update or solutions. PayPal doesn't let you submit a case specifically about being scammed. PayPal has done nothing in my eyes to remedy this kind of scam is perfectly fine with collecting people 's fees from these transactions.
Consumer complaint received 2021-03-15
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. (AK)

Attached are my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXX being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.
Consumer complaint received 2023-07-11
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)

XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}