davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
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. (GA)

After reviewing my credit report transunion advised me after calling them that my file was mixed in with someones elses. They gave me a report number XXXX and said they would removed all inquires and the XXXX account immediately. To date it has not been removed.
Consumer complaint received 2024-08-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (TX)

On XX/XX/year> I submitted a dispute to OneMain Financial regarding their right to collect on the alleged debt in the State of Texas. 

One Main Financial responded to that dispute on XX/XX/year> stating they did not understand my dispute. 

OneMain Financial then sent another letter on XX/XX/XXXX. 2024 stating the alleged debt had been transferred to their Account XXXX XXXX for the amount of {$16.00}, XXXX I then sent another letter to OneMain on XX/XX/XXXX disputing the alleged debt amount. 
OneMain responded with a letter stating they would correct the charge off amount to {$13.00}, XXXX. OneMain failed to do so.
Consumer complaint received 2023-03-11
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: EQUIFAX, 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. 

U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXXAccount number # XXXX ; U S DEPT OF EDXXXX : Account number # 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 an account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.

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 2024-05-14
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (UT)

Our company received an invoice from XXXX XXXX in XXXX of XXXX regarding an alleged re-delivery charge for a pallet sent to us by a vendor in XXXX of XXXX. We reached out to XXXX XXXX at that time for more information and were told their driver noted they attempted delivery to our warehouse in XXXX but we were closed for business and they were unable to deliver the load. 

I informed them that was a false claim and we were absolutely open for business during our listed hours of XXXX. Additionally, I have provided video evidence from our surveillance system to their XXXX XXXX department proving without question we were open for business and their driver 's claim was an outright lie. 

The re-delivery charge listed is {$600.00}. This week I received a letter from a " collection '' agency named The Receivable Management Services LLC with a demand amount of {$25000.00}, referencing the XXXXXXXX XXXX balance information but adding a fee of over {$24000.00}.
Consumer complaint received 2023-03-11
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: Freeway Funding, Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair credit reporting Act Freeway funding has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for purpose
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I was XXXX to a XXXX and I am in the process of getting XXXX. 
My XXXX has been a XXXX XXXX of the XXXX for XXXX years, I am an XXXXXXXX XXXX. I have had a Wells Fargo account since 2018, a XXXX XXXX  and a XXXX XXXX I use this account to receive all payments from customers and I also use this account to pay my customers and suppliers. My account has been blocked for more than XXXX days, due to XXXX XXXX. All my money is blocked. I have been calling and going to Wells Fargo agencies every day, thus losing days of work. On XXXX my XXXX XXXX was approved for XXXX XXXX and today is XXXX  and my account is still blocked. I have to pay my rent ( which already has a late fee ), I have to pay my credit card, I have to buy food. I don't have money to put gas in my car. My other bank is negative and I am paying charges. I also have a late fee on my credit card. And no one solves my problem. that's not fair. I have {$83000.00} in my account and I can't use it. I'm in need because of this. I need my money today. I need to pay my employees
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
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. (TX)

I consistently make on-time payments. I'm confident about this. What I'm unsure about is why this company is reporting me as late in certain months, which shouldn't happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (PA)

In XX/XX/XXXX, two unauthorized withdrawls were made from my personal Key Bank account. I alerted the bank to this fraud as soon as I discovered it and immediately closed the account. One transaction was stopped before it was completed ; the other was reimbursed. Upon closer inspection of all the transactions, I discovered that a check mailed to the PA Department of Revenue had not cleared the account. Another check ( {$24000.00} ) written to the IRS appeared to have cleared the account since the correct amount was withdrawn. I did not click on the link to see a copy of the check. 

In XX/XX/XXXX, as I was paying my quarterly IRS taxes online I noticed that there was no payment received in XXXX. I checked the closed account and found that the check I had written to the IRS had been washed and cashed by a person unknown to me named XXXX XXXX. The only original handwriting on the check was my signature. I notified Key Bank immediately of the fraud. I also filed a complaint with the XXXX XXXX XXXX Police and the U.S. Postal Inspector. 

On XX/XX/XXXX, Key Bank notified me in writing that my claim for reimbursement was denied because I had not notified them of the fraud within 30 days. I met with the bank manager who said she had known of several cases where funds had been reimbursement beyond the 30 day window. On the basis of this, she appealed the decision. I received a phone call on XX/XX/XXXX from XXXX XXXX in the Key Bank Executive Office in XXXX. I was told that they were going to review my case. 

Over the next five months I checked in regularly to inquire about the progress and to get more information on how, when and where the checked was cashed. I was told it was their policy to not provide any information to clients. The only information I was told, was that she had " reached out to all of her line of business partners '' but she refused to tell me what a line of business partner was. 

On XX/XX/XXXX Key Bank once again denied the claim saying I had not notified them of the fraud within 30 days.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (DC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt.

it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
Consumer complaint received 2024-08-12
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. (TN)

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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (CA)

Consumer Financial Protection Bureau, XXXX XXXX. 
XXXX Office Case XXXX, XXXX x XXXX XX/XX/XXXX, XXXX Wells Fargo XXXX, XXXX XXXX Wells Fargo XXXX XXXX XX/XX/XXXX XXXX x XXXX case number ( XXXX ) XXXX Wells Fargo There are several additional personal cases now. This one is the XXXX harassment and neglect to credit my insurance since XXXX. I need Wells to correct this, pay interest and penalties sufficient to discourage Wells from continuing practices that continuously damaged me for the past several years. Despite 2 open cases and several attempts to correct your mistakes and inactions {$1000.00}, along with other interest and payments taken by Wells Fargo to destroy my credit and ability to maintain a correct credit score. I will be forced to follow up this demand with court action, and to reopen prior complaints made in XXXX, XXXX, XXXX, XXXX, and now XXXX. It appears these actions by Wells Fargo are deliberate, vindictive, or at a level of gross negligence to such a point that Wells Fargo should not be allowed to be licensed to continue business in the state of CA or elsewhere in the USA. Wells Fargo has lost in court and been compelled to pay penalties for related actions described in my most current, and several prior complaints. 

Wells Fargo has seized funds from my accounts, opened unauthorized loan applications, charged fees for services not provided and blocked competing companies from offering similar products in a timely fashion Wells Fargo has failed to grant administrative relief as directed by consumerfinance.gov and others. I hereby request all relief available through this agency and others. This is an appeal to consumerfinance.gov for assistance and immediate action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ( XXXX ) XXXX consumerfinance.gov Your complaint has been sent to the company. 
We have received your complaint and sent it to the company for a response. 

We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Applying for a mortgage or refinancing an existing mortgage. 
Return of all penalties and overpayment XX/XX/XXXX to this date XX/XX/XXXX Return of insurance premium and interest, administrative and legal cost to date Audit of my Wells accounts for additional actions by Wells to this date XX/XX/XXXX. 


Insurance has beenin place since XXXX, Wells Notified multiple times beginning XXXX to this date, XX/XX/XXXX, monthly. In addition, failure to properly notify or account for Wells Fargo initiated, unauthorized payments, credits, and penalties including alleged failure to maintain required insurance, Wells Fargo simply took the funds improperly with mailic, repeatedly : One attachment Scanned by XXXX
Consumer complaint received 2024-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Just received access back into my XXXX XXXX. Noticed a Capitol  One credit card affecting my credit. I have never opened a Capitol  One account and never received a card in the mail. The date listed XXXX XXXX XXXX I believe it was opened fraudulently.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-09
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)

Hello, im here contacting you to notify that on my most recently reviewed consumer report, i noticed there was some fraud/unauthorized inquiries listed. As reference please see the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. 
I have also made contact with the listed CRA 's to advise them of these fraudulent inquiries. In response, they provided me 3rd party entities that initiated the credit pull. I also did not recognize nor authorize any parties linked to the inquiries listed above. And they did not resolve my complaint. Additionally, I have not given XXXX, TRANSUNION, XXXX XXXXXXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information, please remove the above mentioned inquiries within 15 days of receiving this complaint. It is your duty to accurately report information and as of now you are not doing that. I look forward to XXXX, TRANSUNIONXXXX XXXX  XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-08-29
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Ive requested the original contract and identity of the person they are attempting to collect debt from and all XXXX does is say that the information is valid!! How???? Have never sent me any documents with my identification or original contract! Under the fair credit act and XXXX XXXX compliance the credit agencies must provide the correct information on all reports and AWA collections as yet to do that! I have never had any dealings with this company and I believe they have purchased this debt from a 3rd party company which is illegal! This company isnt on the other credit agencies why is XXXX holding this fraudulent account on my report