davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX, Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-04
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. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$250.00}.
Consumer complaint received 2024-01-11
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (VA)

Received a vanilla gift card that was already spent by the time I tried to use it. I immediately contacted Vanillas customer service by phone and e-mail using the contact information provided on their website to let them know I was scammed and I could see that a purchase was made by someone from a different state at a XXXX for the full amount of {$180.00}. I created a case on XX/XX/16 and followed up again on XXXX. Both times, the customer rep said its in progress but nothing has been determined. I also let the XXXX XXXX XXXX know by filing a claim at their store but all they emailed me back was acknowledgement that I filed a claim. {$180.00} is a lot and Id like a replacement card from Vanilla but its like talking to a black hole and customer service is trained to just say were working through your case. They did ask me to send photos of the front and back of the gift card twice which I did but I also explained I could not send a copy of the purchase of the gift card as it was a gift thanking me for volunteering. After that I have received no further communications and its now almost been two months. Frustrated as I was hoping to use the gift card for XXXX. Vanilla needs to put in better security so scammers dont drain gift cards and they should reimburse anyone who files that theyve been scammed and can verify that the gift card was scammed. In the future I will tell all my neighbors, coworkers, teachers never to purchase a vanilla gift card as it will probably be drained and stolen away.
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (OH)

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 2017-09-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (NJ)

Collection agency attempting to collect on an alleged debt without first providing written verification proof of alleged debt. In fact, I have proof that this same agency deleted this collection entry from my XXXX credit report on or about XX/X/16 after I filed a dispute.
Consumer complaint received 2024-04-19
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. (TX)

In accordance with the Fair Credit Reporting act the list of accounts below have 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 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a list of inquiries : 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (AZ)

Dear Sir or Madam, I am writing to formally dispute a debt of {$190.00} ( XXXX account ) allegedly owed to XXXX XXXX. I want to emphasize the seriousness of this matter and the significant potential harm it's causing my XXXXredit score. They have failed to provide me with any documentation or information as to the validity of the date of this debt, or it's origin. They have also failed to respond to any attempts I have made to procure information on this debt. 

There are several discrepancies with this claim that raise considerable red flags : - Account Origin : The account in question was purportedly created in XXXX. However, I did not own a car or have any insurance policies with XXXX during that time. This timeline discrepancy casts serious doubt on the validity of the debt. 

- Pandemic Context : Furthermore, it's important to consider the context of the global pandemic in XXXX  and XXXX. During this period, driving restrictions and lockdowns were widely implemented. It's illogical to suggest that I incurred significant insurance charges when vehicle usage was heavily curtailed. 

- Credit Score Damage : The presence of this inaccurate debt on my credit report is causing significant damage to my financial standing. This could negatively impact my ability to secure loans, rent apartments, and access other essential services.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (FL)

CAINE & WEINER COMPANY XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Someone from the executive level needs to contact me asap before forwarding to my attorney for litigation.
Consumer complaint received 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-19
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (PA)

On or about XX/XX/2015 I had financed a 2015 XXXX from XXXX XXXX through this bank. However afterwards problems of fraudulent activities was revealed and this particular vehicle was proven to be no good and XXXX XXXX settled. In the meantime the vehicle was repossessed. However when a recent credit report was done a {$20000.00} Loan showed up as default in which is way over 7 years old. XXXX XXXX XXXX XXXX was contacted and absolutely nothing has been done
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (NY)

in XXXX of XXXX an auto loan was obtain in my name without my permission. i gave no one permission to open this account or any other account I have listed. also, in XXXX of XXXX a cell phone was obtain in my name without permission. I need these accounts removed from my credit immediately for it has affected my credit for years. Thank You for your time.
Consumer complaint received 2024-01-12
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Guild Holdings Company (TN)

My Mortage is held by guild mortgage. Since XX/XX/XXXX, I have been trying to get the company to submit updated information about my monthly payments to the credit bureaus. I have received emails saying they are going to investigate ; however, nothing is ever updated and my credit report is still reflecting old data. Monthly payment should reflect XXXX but is still reflecting {$3400.00}. In XX/XX/XXXX, I was told it would be updated XX/XX/XXXX and as of XX/XX/XXXX, credit report has not been updated. This has affected by buying power and has violated my rights under FCRA and possibly TILA and UDAAP. Every time I speak to the company, they say wait until the next month for the update to be reflected. I have email communications with Guild to prove this.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NC)

I paid off my balance on my Goldman Sachs credit card on XX/XX/XXXX of a total of {$7100.00}. I then noticed my available balance was still below my actual credit limit on this account. So I contacted customer support on XX/XX/XXXX at XXXX. Est. They stated that my payment was successful and had posted and cleared in their system. I was put on hold multiple times to try to speak to a manager regarding this. So i thought it may be best to try again the next day XX/XX/XXXX at XXXX XXXX. So I called them and asked the same question if they had been paid on the balance I had with Goldman Sachs. They had stated that it indeed had been processed and was successful in posting and had cleared in their system. I then asked to speak to a manager and was able to ask him the same question. He then stated on the record that there was no one at Goldman Sachs that could correct my available balance. Which was 100 % incorrect. So I proceeded to reword the question to make sure he was understanding me correctly. He was and he didnt try to help me get my available balance that had already posted on there end. He stated it was because of a draft that was unsuccessful XX/XX/XXXX. Which is over 6 months and 4 days ago, and I have had 8 successful payments after the o incident he referred to that he used as his reasoning for holding my funds for 10 days. I then asked if I could get a copy of the voice recording that they have since they record calls and he said he couldnt get it for me. I wanted it for the reason he was stating on the record that no one in the entire business of Goldman Sachs could change my available balance to the correct balance that should be available to me. Which is incorrect. I honestly thought I was dealing with a legit company. Just to have their manager lie to me and state it was impossible makes me have no faith in the system. That who knows what they will lie and state next.
Consumer complaint received 2018-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (IL)

I had a student loan through ACS and it was recently ( XX/XX/XXXX ) sold to another company. I have not received my interest paid in 2017 for tax purposes from ACS and I cant get through via telephone to someone to speak to. When I put in my account number the system tells me ACS no longer services my loan and then it gives me no options of speaking to anyone.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

Date : XX/XX/2023 Amount : {$6000.00} Action : Multiple attempts to contact Chase Bank. 
Correct Account : XXXX Wrong Account : XXXX Last XXXX, my father sent money from XXXX to my account. Unfortunately, there was a single incorrect digit in the account number, while the routing number and legal name were accurate. Consequently, the money was mistakenly deposited into the wrong account. 

Despite multiple attempts by the originating bank to recall the funds and our exhaustive efforts to communicate with Chase Bank through various channels, we've reached a dead end. 

The Bank Manager in XXXX, where the transfer originated, has advised pursuing legal action in the United States against both the bank and the individual who wrongfully received the funds.
Consumer complaint received 2024-03-22
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: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Mortgage — FHA 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. (NV)

I was trying to do a modification through this mortgage company.. appear and they may be doing a long way over almost 6 months. A modification and I still get it they gave me a modification to lower my payment but I found out that they sold part of my loan to another company.. that put a link on my house that I didn't know anything about until I try to get. A home equity loan.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (OH)

my money was stolen off my card in a withdraw ( direct express /Comerica ) a credit was given after failure to provide the paperwork to fill out the money was my non-garnishable SSI check fyi. i had to complete a handful of tasks. they gave me a credit mid-investigation where there knew all the facts then took it back 1 month later {$700.00} making it impossible to pay rent bills ect. i am launching an investigation if my funds stolen by direct express are not returned i already know they illeagaly work out of the united states.