davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (FL)

This is my second endeavor to dispute hard credit inquiries from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly reinvestigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE DELETE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-26
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. (LA)

My credit one account opened XX/XX/XXXX is reflecting an inaccurate late payment XX/XX/XXXX late and XX/XX/XXXX current XXXX and XXXX and later XX/XX/XXXX on XXXX and Transunion this XXXX is incomplete and inaccurate and in inaccurate balance the XXXX on this card is XXXX as on my report it reflects at XXXX a I have opened a case and was told the information will be updated with XXXX  XXXX for the error on my report the case number is XXXX I have contacted their office of the president and was told that information will be updated and to contact the bureau to dispute it this makes this account incomplete and inaccurate please per FCRA RIGHTS 1 ) 15 USC 1681 ( 2 ) ( a ) ( state 's Transactions and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a ) law by not reporting accurate and complete information I have recent disputed with the creditor and their responds states they report accurate and complete information which is false bc each report shows different late and current payments
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

I have no recollection of this account I have never had XXXX XXXX before EVER. I do not owe this company nor do I owe or ever had a contract with CCS COLLECTIONS! They never sent me a letter and they have placed this account on my credit! They never let me know this debt was in my name or anything. I have had no contact with these people
Consumer complaint received 2024-07-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC. (MI)

Santander USA has never been able to produce a document or documents sent to me speaking of the charge-off attempt or any debt settlement offers or anything of the kind. They have falsified documents that were never sent and produced no evidence that they notified me off the potential charge off or anything of the nature that's required by law. They have numerous class action lawsuits regarding the same issues. I have made repeated attempts via phone call via email via certified mail and vian USPS to settle the debt and they will not accept my payment. Attached is one such letter that I sent certified mail. Each time they respond they ignore the request to show me or anyone else documentation that they mailed clear letters stating that my car would be charged off and my loan would be charged off. As you can see from the attached screenshots the letters and the last payments made. I was still paying on this vehicle consistently and they charged it off in the month of XXXX they told me and then they moved the charge off date to XXXX when that is not true. I have different credit reports that report different charge off dates and the first ones were XXXX and the later ones were XXXX and then they changed it to XXXX. There were no notifications sent during the months of XXXX which is the only month that would have been able to send charge off notifications because now they look like they change the charge off date to XXXX. I made a payment in XXXX. They kept telling me I didn't owe a payment and that is why it looked like I skipped a date and I made XXXX payments in XXXX. So when XXXX came around they said I didn't need to make a payment therefore I did not and that was during a recorded conversation on the phone. They told me I did not owe a payment until XXXX and XXXX and so on. I kept paying. For years they would apply my payments to only the interest and nothing would be applied to the principal. It wasn't until I complained that they recalculated the interest rate and stopped doing that. I had to file a complaint with the DIFS in Michigan and the attorney general 's office in Michigan. I have copies of both of those complaints. I want them to produce evidence of the charge off notification that are not created recently and evidence they sent this to me.
Consumer complaint received 2023-06-21
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. (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 items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (PR)

On XXXX, XXXX, 2019 while traveling on XXXX XXXX XXXX from XXXX XXXX, Puerto Rico to XXXX, NY I was offered a XXXX XXXX credit card application. I just received a denial because I am a Puerto Rico resident. This is a discrimination based on my national origin. 
XXXX officials handing applications knew that people on that flight were PR residents. Nobody stated that this was a card exclusively for USA residents.
Consumer complaint received 2024-04-22
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-04-26
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: Experian Information Solutions Inc. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$8500.00}
Consumer complaint received 2023-07-05
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2023-10-05
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 have hard inquiries that needs to be removed from my credit report asap. All hard inquiries will be in my ftc report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (TX)

Existing lender : XXXX XXXX  New lender : Shellpoint Mortgage Servicing My mortgage loan just closing last month XXXX, and first mortgage payment date setup on XX/XX/XXXX. But to my astonishment, on XX/XX/XXXX, my XXXX account was auto-deducted by unknown name, i.e. Shellpoint .My loan just started last month, not even passed XXXX month, but suddenly was deducted XXXX month earlier of my XXXX morgage payment date, and what even shocked me is that it's by a totally stranger. Any consumer will feel worried and totally confused, right? 

Then on today XXXX XXXX2024, with the help of kind advisor XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  , I called Shellpoint Mortgage Servicing to confirm what's the situation. After XXXX minutes online waiting, I am so surprised that their customer service staff has no any infos of my mortgage case, just keep saying sorry and replied the subject loan is still in transtion of loan transfer.This even worsen my worries and doubts.If not transfered completely, how come they know my bank account and just deduct the mortgage payment abruptly? It's totally unlogical and unacceptable. 

Before the call, I am just worried about the situation. But after the call, I am even angrier and feel insulted. Without my prior authorization or notice of lenders transfer, how come they can so arrogant and rude to duduct my bank account directly? Thus let us borrower feel so unsure about my bank savings.So I decide to raise administrative complaints ( to report to your honor bureau CFPB ) and if necessay, to take legal lawsuit step by step etc as follows. 

( 1 ) To give official written mail regarding lender transfer. 

( 2 ) For the arrogant, rude auto-deduction of my bank account, to explain & apologize and reasonable compensations. 

( 3 ) Lawsuit consultation is also under way, but to take ( 2 ) into considerations.
Consumer complaint received 2023-09-01
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 12. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

14. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

XX/XX/24 I was contacted by a buyer when selling my daughter 's prom dress through XXXX XXXX. The buyer sent payment through Zelle. I then received an email asking to upgrade my account by adding additional money or I would not received the money for the dress. I offered to refund the money to the buyer as I did not want to send additional money. When I sent the money through Zelle, I then realized I'd never received anything and the emails were scammed. I contacted Zelle who hung up on me after saying I had to contact XXXX XXXX. I also requested money via Zelle to the buyer which was declined. XXXX XXXX can not stop the transaction until it is posted and not pending. I once again contacted Zelle and was cut off and hung up on even after saying I wanted to report XXXX.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I applied for a Capital One XXXX Rewards credit card on XX/XX/23 and got denied. According to 15 USC 1691 a consumer credit transaction explains the Equal Credit Opportunity Act. I have the right to credit. This prohibits creditors from discriminating against credit applicants.
Consumer complaint received 2024-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

I took a mortgage from Sterling National Mortgage to purchase XXXX XXXX XXXX, XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$360000.00}. I paid {$70000.00} cash to reduce the loan amount to {$290000.00}. My closing was on XX/XX/XXXX. 

I recently discovered that the previous owners debt to XXXX XXXX XXXX was left as a lien on my property from XXXX XXXX until XX/XX/XXXX. I would like an answer as to why the previous owners debt was not resolved at my closing in XXXX? Why was no mortgage satisfaction issued as per the NYS Statute? Did Sterling issue any payments toward the liens associated with XXXX XXXX? Isn't it Sterling 's responsibility to settle from the sale proceeds when they are creating a new mortgage loan to clear up any previous debts on the property before the new owner assumes it? How can a new mortgage be issued on a property when there are outstanding liens and why did the XXXX lien remain for over ten years on my property unknown to me? What would be the purpose or use of this lien place holding on my property? When I made my payments for this loan in XXXX where and who received my payments? Sterling Bank or XXXX XXXX? 

Refer to : 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 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. XXXX XXXX and XXXX XXXX both require a mortgagee to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days in New York.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX i sent {$100.00} from my XXXX XXXX wallet to my coinbase bitcoin cash wallet. The money was deducted from my XXXX wallet, it never showed up in my coinbase  wallet.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Inc. (GA)

I sent money to my mom. Within an hour her phone was stolen. I contacted Sendwave ( the company that I send the transfer through ) to see if they can block or recall the transfer. There was no answer on their phone, text or emails. They went completely silent. Its been over 2 days now and counting with no response.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AZ)

I have a business checking account for XXXX XXXX with wells fargo. 

I sold my interest in the company to the other partner who is on the business checking account. 

I asked to be removed from the account and they told me they would not and I would have to close the account. 

I don't own the company it would not be legal for me to close the account.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
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. (TX)

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX