davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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)

My issue is with XXXX, Equifax, and XXXX with a car loan company, XXXX in which each company reports late as of XX/XX/XXXX. As this is untrue, I relinquished the vehicle in XXXX yet its being reported as though I have XXXX XXXX XXXX day lates. How can I have that many XXXX  day lates reject and am offended by Equifax, XXXX, and XXXX reporting this erroneous information. This is keeping me from getting a mortgage and other credit. XXXX XXXX XXXX has been compensated by receiving their vehicle back. In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX  and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I am tired of being denied credit and having my rights violated. As a consumer, I should be treated fairly as should anyone any consumer any American.
Consumer complaint received 2023-09-25
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TN)

Discover has inaccurately and illegally reported false information and a fake account to my credit report on XX/XX/2020. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used Discover before in my life.
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PNC Bank N.A. (PA)

Applied for home mortgage more than 40 days in advance of closing. Loan number changed about 2 weeks prior to closing and we were told the loan number could not be transferred to the new appraisal, which was the las item needed for an agreed-upon closing date. This system issue delayed our closing date, which is a huge inconvenience to all parties.
Consumer complaint received 2024-04-15
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. (NC)

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. 

The following inquiries for fraudulent and have violated right. 

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 ( XX/XX/XXXX ) -TransUnion XXXX  ( XX/XX/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 XXXXTransUnion 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. 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. 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.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (CA)

After the U.S. Department of Education announced that student loan payments had resumed due to legislation passed by Congress, I logged into my AidVantage account and paid the remaining {$820.00} left on my student loan account and completely paid off my loan in full on XX/XX/XXXX ( payment confirmation : XXXX ). Despite my loan being completely paid off and my remaining balance being {$0.00}, AidVantage fraudulently charged me {$51.00} on XX/XX/XXXX on a loan that had a remaining balance of {$0.00} ( paid off on XX/XX/XXXX ). Because of this my loan amount or " unpaid principal '' is showing as $ XXXX. Not only did AidVantage fraudulently overcharge, they did not email me notice that this transaction had gone through and they have not taken any steps to inform me that they are returning those funds to me.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I was never late on this account. 
XXXX XXXX XXXX Account XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

My husband and I filed for bankruptcy in XX/XX/XXXX. A credit card account we had with Wells Fargo is showing a balance of over {$14000.00} with all three credit reporting agencies. These reports imply the account is still open and that we are still responsible for it, when in reality it was discharged in the bankruptcy. I spoke with four different individuals at Wells Fargo on XX/XX/XXXX concerning this matter, and one of them finally admitted the account was indeed closed, but that it had to remain as open on my credit report for 7-10 years. I am also disputing the actual amount they are saying we owed on this account.
Consumer complaint received 2018-11-16
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed Equifax : XXXX.
Consumer complaint received 2024-04-15
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. (MD)

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 NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX 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 2024-04-15
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. (TX)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-31
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. (CA)

My identity was stolen and I ended up with an excessive amount of inquiries on my credit report, some duplicates where I never applied for credit from any of these companies, nor did these companies have my permission to run my credit.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (NJ)

I'm a XXXX Veteran, with no place to live caused by my mother 's passing. Moreover, I was outside the US from XX/XX/XXXX to XX/XX/XXXX when the incident in question occurred. 
Between XX/XX/XXXX to XX/XX/XXXX XXXX failed to protect my security, interest and money. On XX/XX/XXXX, I reported fraudulent activities on my account and called their fraudulent department. As a result, they froze my account and debit card. As I explained to them over several calls every day, a new account was supposed to be set up, so I can survive. They failed to comply due to an oversight and incompetent staff. On XX/XX/XXXX, SUPERVISOR XXXX from the fraud department recognized and admitted the mistakes made by several subordinates and nothing could be done to open a new account. 
As a result, I've encountered many obstacles outside the US, as well as incurred many additional expenses which I filed complaints with the XXXX and the OCC for reimbursement. As of today TD BANK refused to acknowledge and to reimburse me for expenses caused by their mistake. On XX/XX/XXXX, i was forced to return to NJ and walked into the XXXX XXXX branch to open the account in person. The account was supposed to be opened over the phone. It was a failure by several representatives. All the proofs were provided on XX/XX/XXXX. It was the worst banking experience.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/2023 at about 4 in the afternoon, I was unfortunately a victim of Zelle fraud. I was doing a sale on XXXX XXXX  and someone of the name XXXX XXXX shared interest and set a date time to pick up my XXXX XXXX  for XXXX $ since they " were out of town '' they were going to zelle me and I was going to drop it off at the cousin 's. I eventually got an email from " zelle '' saying that there was XXXX $ pending because the person sending me the money had to send a higher amount, so XXXX messaged me asking for the {$300.00} back I was hesitant but they were very polite and also had an email on their end. I fell for it and sent them the money. Then a few minutes later I get another email and realize I fell for a scam. I sent the Zelle for an amount of {$300.00} to a XXXX XXXX under the email XXXX. I called XXXX XXXX XXXX and was transferred to their Zelle fraud department and they said they would file a claim but given that the Zelle was already sent and to a XXXX XXXX XXXX  I would likely not be able to get it back so I am trying to see if I have better help here.
Consumer complaint received 2024-04-15
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. (GA)

XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs. These violations of the FCRA and Regulation V constituted violations of the Consumer Financial Protection Act of XXXX and could have negatively impacted consumers credit scores and access to credit in many instances. The consent order requires XXXX to take certain steps to prevent future violations. According to XXXX XXXX Transunion XXXX, TRANSUNION is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account XXXX  Account Number : XXXX violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681c. ( 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 2023-12-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (NJ)

XXXX XXXX sent an outstanding credit card balance ( from a fraudulent credit card ) to Credit Corp Collections. This collections agency then contacted a lawyer XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX who forced me to pay {$1800.00} to settle this [ fraudulent account ] or take me to court. I never received any communications from XXXXy XXXX XXXXr Credit Corp solutions ( as they were sending me letters to an old address from where I moved out 8 years prior ). The first person to contact me at my current address was the lawyer, who was sending me the lawsuit notification. Thus, I was not notified properly regarding this debt collection. So, after I paid to settle the case ( the other option was going to court ), I then received a letter 2 weeks later from XXXX XXXX XXXX XXXXXX/XX/2023 stating that I was correct and the credit card was indeed fraudulent. I tried to contact the bank and credit corp solutions and the lawyer to get my money back however all they keep telling me is that they will investigate and will get back to me in a week. Over 6 weeks have passed and I have contacted them again and they still say they will investigate. 

In brief, XXXX XXXXXXXX XXXX Credit Corp Solutions failed to conduct reasonable investigations of disputed debts and failed to inform consumer reporting companies that information was being disputed, AND they continued to attempt to collect disputed debts without substantiating documentation and without properly notifying me prior to a lawsuit being sent to my [ correct ] address. 
The first action violated the Fair Credit Reporting Act and the second violated the Fair Debt Collection Practices Act. 

Please note I submitted XXXX other complaints regarding this matter which were already closed. However, I now have proof from XXXXXXXX XXXX that this was indeed fraudulent and not opened by me. 

I also spoke with XXXXXXXX XXXX CFPB on the phone regarding the update on this case. I will attach the latest letter from XXXXXXXX XXXX stating that this was indeed a fraudulent account that was NOT opened by me. Thank you
Consumer complaint received 2024-04-15
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I tried to dispute with collections company about early termination fee. I sent a copy of Resident notice of intent to move out form, which clearly has the box checked that states ( we approve the move out date that you submitted in your notice of intent to move out and your lease term will end on that date. So how are they trying to charge me for early termination fees?
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I deposited a cheque for {$500.00} in my Truist account. This cheque was drawn against my account in XXXX XXXX XXXX 

On XX/XX/XXXX an amount of {$500.00} was credited in my Truist account but it was immediately put on hold. 

I can see that {$500.00} has been debited from my XXXX account, confirming that the cheque was honoured. 

When I call Truis bank, I am told that the check I deposited is put on hold for validation and will be cleared on XX/XX/XXXXXXXX 

Complain : XXXX XXXX XXXXXXXX has already cleared the cheque for {$500.00} on XX/XX/XXXXXXXX XXXX However Truist bank will clear those funds on XX/XX/XXXX. 

Truis bank is using {$500.00} in some ways without crediting those in my account.
Consumer complaint received 2024-04-15
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 called XXXX XXXX XXXX XXXX on XX/XX/22 XXXX, at XXXXXXXX XXXX XXXXXXXX and spoke to customer service and advised them payments were being reported late negatively affecting my credit report. The payments that are being reported on my credit profile violate my consumer rights under FCRA Consumer Law 15 USC 1666B. As a long- time customer that has had exceptional payment history with XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval for other accounts. After speaking with XXXX customer service, they were not helpful and didn't listen to as a long-time customer. They advised me there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customers consumer rights. XXXX is tarnishing my name and credit profile by reporting these late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA
Consumer complaint received 2023-12-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (NV)

I'm a XXXXXXXX XXXX  on a fixed income. I needed a service dog & went to XXXX. I was given one price upon purchase but then EasyPay Finance had doubled my payments every months. A dog for {$3000.00} will cost {$9000.00} in a years time. I must borrow each month to eat and pay my bills. It's killing me! 

Please Help Me!