davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I WAS GOING THROUGH FINANCAIAL AID RESOURCES FOR MY MOTHER FUNERAL SERVICES, AND WAS ALERTED TO NUMEROUS ACCOUNTS ON MY CREDIT REPORT BY THE FUNERAL HOME, THESE ACCOUNTS LISTED DO NOT BELONG TO ME AND HAVE CAUSED A ALREADY ARDUOUS MOMENT IN MY LIFE TO BE MORE DEPRESSING, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS THAT HAVE BEEN ADDED TO MY REPORT AND DO NOT BELONG TO ME
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint personally. After examining my credit report, I noticed entries for supposed late payments. However, more than 30 days ago, I sent correspondence regarding these listings, but I have not received a response, and they have failed to provide adequate validation supporting these alleged late payments. I kindly request your assistance in resolving this issue.
Consumer complaint received 2023-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was given a check to purchase my computer and software for the company I thought I was going to work XXXX XXXX but it turns out it was a fake job interview and a fake job offer. I was sent a check from XXXX XXXX XXXX XXXX XXXX. I asked my " hiring manager '' why is the check from a different company name, I was told they are affiliated and they facilitated the check to expedite things since they were in CA and not XXXX where supposedly that is where the main company is located and that they were expanding to the USA. I was informed to deposit the check which I did. I told them I needed to wait a day or two for the funds to be available, the next day XXXX XXXX  the hiring manager said she would work on getting the software from XXXX XXXX, she then asked me to transfer {$500.00} to XXXX XXXX XXXX XXXX since the XXXX : XXXX XXXX  didnt work. I finally sent the {$500.00} via XXXX XXXX, then XXXX asked for another {$1000.00} for the computer to be purchased for my job, the bank wouldnt allow me to do XXXX  again so she told me to send it through XXXX XXXX : XXXX, XXXX XXXX. I sent a total of XXXX XXXX payments to XXXX XXXX and {$500.00} to XXXX so a total of {$2500.00}. Since the bank would allow me to do another transaction the same day XXXX tried again today at that point the check from XXXX XXXX was returned and I was overdrawn. I tried getting my money back from XXXX and XXXX but they just ignored me at this point.
Consumer complaint received 2019-07-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (IN)

At such a young age a made a mistake of signing a lease for a apartment without knowing better, did not have the apartment for not even a month no rent was ever paid, I lost my vehicle and job at the age of XXXX   and could not keep the apt by the time I realized what was going on and how it would affect my future it was too late I would like this please dropped for the reason of only being in possession of this apt for a month and not receiving the right direction of action to take.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX has unjustly added information to my credit report, saying that I owe over {$900.00} when I have proof that that amount is incorrect. In addition to this, they have sold my debt to a collection agency that I have made arrangements to pay a lesser amount. How can they sell my debt, that is incorrect my the way to another agency and still report my account as past due, delinquent when I have been sent to collections, AFTER SERVERAL ATTEMPTS TO REACH THEM, TRY AND GET THE CORRECT BALANCE AND MAKE ARRANGEMENT WITH THEM. I have all the supporting documents that I have tried to resolve the matter with them. I only owed {$330.00} dollars when I left, now they are showing that I owe 3 times as much. XXXX XXXX has a history of applying erroneous charges to their customers accounts. They are currently paying out a class action lawsuit for this very thing. 

Please help me by making them remove this account from my credit report. I have an excellent payment history. I pay my bill. Their action has cause my score to drop. Please help me. I have the documentation to prove what I am saying is the truth so help me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent letters to all three credit reporting agencies with documentation. Including copies of my divorce decree, and Florida driver 's license with copies of my social security card. This information was a follow-up from previous information requested from all four parties ( 3 credit bureaus, and XXXX XXXX XXXX. To date they continue to report inaccurate information on my credit reports. Today, I learned they are transferring the loan and I can have them complete a refinance of the loan to have my ex-wife qualify for a loan with me because they do not do this however XXXX does I can wait until XX/XX/XXXX when the transfer happens and have them attempt to reapply. My divorce was in XXXX, and looking at the XXXX XXXX XXXX XXXX website the deed of record was transferred on XX/XX/XXXX. The continue to request they remove all incorrect information however they continue to report inaccurate information to the credit bureaus while harming my credit rating. Today I heard from XXXX XXXX XXXX of XXXX who indicated they had all the documents sent to them on XX/XX/XXXX. I also have a tax overage according to the IRS as they are reporting incorrect information.
Consumer complaint received 2024-08-03
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. (TX)

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. 

Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXXXX XXXX XX/XX/XXXX 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 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to formally dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt previously, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumer rights have been violated. 
Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case.

I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified.

I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandated by law and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (HI)

I was surprised to receive a medical bill from XXXX XXXX XXXX XXXX for {$170.00}. The bill says my son took a XXXX test on XX/XX/20 and over two-years later, I received this bill. My son was attending college in XXXX XXXX at the time and travel was restricted so I assume he may have taken a XXXX test nearby his college. The XXXX XXXX  billing address is XXXX XXXX XXXX, XXXX XXXX, MO XXXX. We pay our bills every two weeks so my issues are : 1. I may have already paid this bill and I don't retain medical billing statements for two-years. 
2. Considering it took XXXX XXXX XXXX over two-years to send me a bill, I do not trust its record keeping and this bill could have been sent to me in error. 
3. I researched a California law that says a medical provider must send out bills within 12-months. 
XXXX XXXX XXXX transferred this bill to XXXX XXXX XXXX and threaten to ruin my son 's credit. So I will pay this bill under duress. But, if my reasoning is correct, I would want a full refund. Thank you very much.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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, US DEPT ED # 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 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 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 2024-03-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

WORST experience EVER. 
Have never had such a damaging experience in my 50 years of buying or leasing a car. 
Leased an XXXX XXXX XXXX from XXXX Audi. Paid XXXX on the lease over 3 years. Returned the car to XXXX Audi at end of lease to ground the car. 3 months later woke up to my credit score being destroyed from XXXX to XXXX due to a debt filed by Audi Financial for a {$39000.00}.

DEBT IN COLLECTIONS.

Appears my car was never grounded nor reported to Audi financial as returned at end of lease. It's has been over a year since XXXX Audi has my car and still has not been returned at end of lease. Called this dealership over 20 times just to be ignored. Yesterday, tried a different approach. Called their service department and asked if my car is ready to be picked up, and was advised they have my key and once locate care will call me. This is one year since car was returned and they have still not reported to Audi financial lease was returned. This experience has literally been the single worse commercial transaction of my life. I paid XXXX on the 3 year lease, retuned car and my credit was destroyed as a result of the experience. Worst part! 
Since advised XXXX Audi of the situation, they have completely ignored and lied about the situation with no remorse for their damaging unprofessional actions. 
Disgusted.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

This account was charged off in XX/XX/XXXX. Since the the date of last activity has been inconsistently updated. On XXXX the last active date is XX/XX/XXXX. On Experian the last active date is XX/XX/XXXX and XXXX the last active date is XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same.According to the washington state 's fair credit reporting act ( RCW 19.182 ) requires credit reporting agencies to maintain accurate credit reports. Please delete this account from my credit report. 
Account Number : XXXX XXXX
Consumer complaint received 2024-06-12
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 following list of accounts have collectively and individually 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 602 ( a ) states I have the right to privacy.

15 USC 1681 604 ( a ) sec. 2 states a consumer credit reporting agency can not furnish an account without written instructions submitted by the consumer.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 the information is inaccurate.
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (AZ)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

Unfortunately, we still have not received a response to our letter dated XXXX related to the {$18000.00} Adjustment Misc-Suspense added on XXXX in our XX/XX/XXXX statement balance. As a customer of Mr. Cooper we have a right to know what is being credited and debited to our mortgage account. Adjustment Misc-Suspense is not an adequate accounting classification for a credit added to a customers account without providing supporting documentation. Does it relate to taxes paid, does it relate to legal fees, other expenses or future tax estimates? Whatever it relates to is what should be reflected as the description in our statement. We have been requesting supporting documentation for this $ XXXX adjustment since XX/XX/XXXX and are requesting our statement be revised to reflect the actual nature of this {$18000.00} charge. As previously mentioned, this credit to our XX/XX/XXXX statement directly resulted in XXXX XXXX losing the $ XXXX in CA mortgage assistance he needed to save his family home. If this credit was ( 1 ) properly classified by Mr. Cooper on the XX/XX/XXXX statement and ( 2 ) timely and properly communicated to XXXX XXXX or his lawyer XXXX XXXX after various requests, XXXX XXXX might have had a chance to appeal the CA mortgage assistance denial. Now in XXXX, Mr Cooper has tried to foreclose on our home with Auction dates as early as XX/XX/XXXX. XXXX was forced into XXXX Bankruptcy in XX/XX/XXXX in effort to save his home from foreclosure.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

I paid on time and my score was going up to XXXX. I was in an accident, not my fault and I took some of the funds and paid off all my debts. Hoping to raise my credit score, which is so important for interest and insurance rates. XXXX raised my score. Equifax dropped my score XXXX points. Cant talk to anyone but a machine. This is so unfair. Ive worked for years to bring my score up. As a result Ive gotten XXXX percent interest on my car, i paid off. XXXX percent on credit cards for so many months. Ive lost all that unless the business doesnt use their services. Im an older two years in XXXX veteran. Please help. Thank you
Consumer complaint received 2024-07-26
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: EQUIFAX, INC. (FL)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} CHILDSUPPORT XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

My venmo account was suddenly permanently closed and I was given no reason or recourse. 

A few problems with their resolution process : ( 1 ) They tell me that I violated something in their User Agreement, but won't tell me what it was. 
( 2 ) They did not warn me, or temporarily suspend me ; they immediately banned me permanently. 
( 3 ) Their phone support says they don't know the reasoning, and that I must deal with their email support. 
( 4 ) Their email support stops responding or willing to engage with me. 

This feels to me like some automated flag in their system that incorrectly flagged me, but they don't have the proper processes to get a human to reverse the decision. 

Using venmo was an important part of my personal financial operations ( splitting transactions w/ roommates, etc ), and it suddenly was removed with no rhyme or reason. Given that many peers use their Venmo the same as me, it's insane that they can close accounts with zero accountability or explanation. I go farmer 's markets where the only way to purchase items is via Venmo, and I can't transact because of arbitrary decisions a private company made in secrecy. 

Timeline : - XX/XX/XXXX : I receive an email saying I've been deactivated on Venmo. We go back and forth, see the attached photos that showcase their unwillingness to work with me.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX have caused undue XXXX to my financial reputation and stability.