davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (IL)

15 USC 1681 Section 602 ( a ) states that I have a right to privacy These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes 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 INSTRUCTIONS 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY! 

XXXX & XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
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. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2023-05-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

The property ( XXXX XXXX XXXX XXXX MD XXXX ) was initially purchased in XXXX of XXXX. Within two years the housing market crashed, and the value of the property decreased significantly. The outstanding loan balance became more than the appraised value. Wells Fargo was the Note holder and XXXX XXXX became the servicer of the loan. Wells FargoXXXX XXXX did propose modifications but they significantly increased the monthly payment. In addition, the proposed modifications did not address the rapid and significant decrease in value. Eventually, the modification proposal increased the monthly payment on a property that was worth significantly less. Wells FargoXXXX XXXX eventually offered XXXX dollars if we handed the property over to them. Consequently, we accepted the offer in XXXX. It was my understanding that this would be a Deed-In-Lieu of foreclosure. However, it was reported on my credit report as a foreclosure. Wells FargoXXXX XXXX engaged in deceptive and predatory lending and loan servicing.
Consumer complaint received 2023-11-07
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Sunday XX/XX/XXXX, portfolio recovery ( XXXX ) left XXXX harassing voice messages while someone is attacking my internet. They called at XXXX left a XXXX sec message. They called twice at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX sec message. They called at XXXX leaving a XXXX second message. The debt is from multi million dollar company XXXX XXXX. The debt is over 10 years old. Im unemployed and cant pay them. Im getting attacked by someone online and keep complaining to the fbi while Im being ignored. I cant even get a job to pay for my XXXX XXXX dollar XXXX XXXX 

I have XXXX  and portfolio recovery needs to back off. XXXX call is sufficient enough.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TX)

XXXX XXXX I made a minimum payment due for {$110.00}. 

XXXX XXXX My ACH filed which was unaware to me. 

XX/XX/XXXX, XXXX I made two payments for {$250.00} and {$16.00} totaling of {$260.00}. 

XX/XX/XXXX, XXXX I made another payment for {$130.00}. 

I have a late payment report for XXXX for 30+ days late which was only two weeks late when the payment was made.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a critical issue regarding my credit report and the persistence of a fraudulent accounts despite successful removals by other credit bureaus. It has come to my attention that your bureau continues to report a fraudulent accounts that other bureaus have already deleted from their records. This situation raises serious concerns about the effectiveness of the investigation process and adherence to industry standards. 
XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have submitted dispute requests and provided documentation proving the fraudulent nature of the above-mentioned accounts. Other credit bureaus have acknowledged this evidence and promptly removed the account from their reports. However, TransUnion has yet to take similar action, and the fraudulent entry continues to tarnish my credit profile. 
This discrepancy raises questions about the thoroughness and accuracy of Transunion 's investigation process. It is perplexing that, despite clear evidence of fraud, the bureau has allowed this account to persist on my credit report. I demand an immediate and comprehensive review of this matter to rectify the inaccuracies on my credit profile.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Consumer complaint received 2023-07-26
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. (MT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please remove these accounts ASAP.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It has been drawn out to be fraud that you 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 items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX Balance : {$400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-27
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 2018-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NJ)

I contacted chase bank regarding a disputing charge, they asked me to give the company couple to days to see if i can resolve the issue, however i waited about a week and the problem wasn't resolved then chase was contacted and first they disputed the whole amount and asked me to wait 24hrs until it reflects on the account and at first it did then in about 4 days they reversed the money out with out notification or notices leaving my checking account negative balance and when i called they claimed that it passed the disputing period which was 60. if chase initially disputed the charge it would of been within the disputing period but they decided to waste time knowing that the disputing period was going to be over.
Consumer complaint received 2023-05-23
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. (VA)

I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please investigate and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX please investigate and delete
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

I didn't make these charges. If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Please advise. Thank you. Here is the list : XX/XX/XXXX XXXX XXXX TN Gasoline {$29.00} XX/XX/XXXX XXXX XXXX XXXX   TN Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX TN Gasoline {$27.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$23.00} XX/XX/XXXX XXXX XXXX XXXXTN Gasoline {$82.00} XX/XX/XXXX XXXX XXXX XXXX XXXX AR Gasoline {$57.00} XX/XX/XXXX XXXX XXXX XXXX AR Restaurants {$22.00} XX/XX/XXXX XXXX XXXX XXXX   AR Gasoline {$50.00} XX/XX/XXXX XXXX XXXX XXXX TX Gasoline {$34.00} XX/XX/XXXX XXXX SC - # XXXX XXXX AR Merchandise {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX TX Gasoline {$31.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX TX Gasoline {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX   OK Gasoline {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX OK Gasoline {$51.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$18.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$27.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$310.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 02653R Restaurants {$13.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$84.00} XX/XX/XXXX XXXX SC - # XXXX XXXX CO Merchandise {$53.00} XX/XX/XXXX XXXX XXXX XXXX NM Gasoline {$14.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX NM Gasoline {$12.00} XX/XX/XXXX XXXX XXXX XXXX   CO Gasoline {$5.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX CO Gasoline {$60.00} XX/XX/XXXX XXXX # XXXX XXXX OK Merchandise {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX OK Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX OK Gasoline {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX AR Gasoline {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX GA Gasoline {$77.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX MS Gasoline {$79.00} XX/XX/XXXX XXXX XXXX XXXX AR Gasoline {$23.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00} XX/XX/XXXX XXXX SC - # XXXX XXXX XXXX AL Merchandise {$10.00}
Consumer complaint received 2023-11-26
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. (IN)

RE : Method of Verification document This is response to Transunion '' s failed communication of a copy of verification which I enclosed on XX/XX/2023. I have sent Transunion a letter requesting validation on above accounts. Under the FDCPA, Transunion are required to response to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and Transunion has not yet sent me any documentation of the validity of debts and reinvestigation process procedures. Under both State and Federal consumer law, I have the absolute right to get a debt validated. Transunion is obligated to respond within the statutory time limit Transunion 's failure to respond to my request for validation, is a violation under the FCRA Laws and may result in an investigation by the Federal Trade Commission. Any attempt to collect a debt without properly validation is a violation of the FDCPA and State consumer protection law. Should Transunion continue to attempt to collect these debts without validation, I will sue them in small claims court and subject Transunion to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I want to remind Transunion that they are legally obligated not to report a debt that has not been properly validated. I am sure Transunion wish to resolve this matter as quickly as possible and avoid any unnecessary complications. Should Transunion fail to respond to this letter within 15 days, I will not hesitate to report these violations to the Federal Authorities, my States Attorney General and the Federal Trade Commission Regards, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-19
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. (NY)

Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/, Transunion has reported to XXXX XXXX that I had recently closed a checking and/or saving account. 

This is false. I have not recently closed a checking and/or business account. 

There is a XXXX XXXX XXXX checking and savings account that was fradulently opened. I have disputed this with XXXX  XXXX XXXX XXXX has no proof that it was me personally who opened this account. Transunion should remove and not report false information.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

Hi I took a car loan for a XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX XXXX, now ( XXXX XXXX ), back in XX/XX/XXXX. The vehicle was financed by TD Auto Finance Company. The duration of the loan was for five years, up until XX/XX/XXXX. 

I 've paid the entire loan amount including principle and interest to the sum of {$19000.00}, back in XX/XX/XXXX ; expecting the finance company to mail me my original title. They sent me a lien release letter stating that the vehicle was paid off. I waited over ninety day 's for the title but it never came. 

I contacted the finance company : they directed me to Virginia department of motor vehicle ; DMV told me they never received any title for the vehicle and should contact the dealership ; dealership referred me to TD Auto Finance. I 've been tossed around like a football the past six months, and efforts to get my title from the finance company has been futile.
Consumer complaint received 2017-10-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (CA)

Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.
Consumer complaint received 2023-05-23
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. (TX)

Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

My name is XXXX XXXX, I am a citizen of XXXX. 

In XX/XX/2023, I used my debit card in order to buy an expensive XXXX XXXX on an online web shop that has been very professionally done. I got a confirmation of buying an XXXX XXXX for XXXX EUR ( see invoice invoice_krak.pdfin attachment ). In reality the web site happened to be a fake and disappeared after several weeks and some criminals used the information that I provided on this fake web site about my credit card and my driving license in order to buy Bitcoins on a US bitcoin market Kracken.com. 

My bank made a Cashback request to Kraken.com, and they got a printout of bitcoin purchase ( see bitcoin_purchase_by_criminals.pdf in attachment )., but Kraken refused to pay money back saying that I authorised buying of Bitcoins and got the product. 

I want to state clearly here that : I NEVER authorised any Bitcoins purchase and never provided Kraken with my driving licence information. Criminals did it instead of me.I NEVER got these Bitcoins. 

I contacted Kraken.com and asked to help me to solve this case, however got an answer from their legal that they are not giving information to private persons about OTHER peoples accounts, they can only talk to police. ( see " mail from Kraken support.pdf '' ) I do not agree with Kraken due to several reasons : 1. The account is MY ( not OTHERS ), it has been created using MY driving licence data and MY credit card data.

2. The Kraken.com has severe problems in the way they sell their Bitcoins. Knowing the nature of the cryptocurrency : a ) they did not check that my driving licence was real. XXXX can be used in order to change picture or any data in it. 
b ) they did not check that the Driving licence/Credit card data has not been stolen or blocked ; c ) they did not check that I am still alive ; d ) they did not check that I personally confirm this transaction and not forced to buy Bitcoins by criminals in ANY way e ) they allow third party members ( criminals ) to open accounts using not their own ID/credit card data. 
f ) they send information about Bitcoin ( money ) value and key to Bitcoin to any email address provided by criminals without checking that email address belongs to the owner of ID card/credit card 3 ) By doing items under 2 ) Kraken indirectly support criminals, who knowing their weak points create fake web shops and steal peoples money together with Credit card and ID cards data. 

I contacted XXXX  police and they opened the case, but they can not help me because XXXX  police does not have International authority to deal with a company registered in US. 

Please help me to get my money back. XXXX  EUR is a big amount for me. I don't know whom else should I ask... 

Thanks in advance. 
XXXX XXXX