davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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: Self Financial Inc. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-26
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. (LA)

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. 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 inructions 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 2024-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (AZ)

I initiated a wire online for XXXX. The account had around XXXX in it at the time so I transferred XXXX into the account prior to doing the wire online to have enough to do the wire. The wire was done at XXXX Arizona XXXX on XX/XX/XXXX, XXXX  so the wire was going to process on XXXX, XX/XX/XXXX. The wire ended up being process on XXXX, XX/XX/XXXX and it was processed twice for a total of XXXX transactions in the amount XXXX each. When I reached out to chase bank, they said I did the wire XXXX times which is impossible because I did not have XXXX in my account to do it XXXX times. The activity on the online profile shows I only did the wire XXXX times but was taken out XXXX times. They said they had to recall the wire and I would possibly get less money back because of fees and I would have to wait a minimum of XXXX  days and have to get approval from the recipient. I did not iniate the wire XXXX times. It was a mistake on chases end and I have to suffer the consequences. I needed that money to pay for payroll for my employees.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX  XXXX XXXX credit is {$0.00} Balance. 
Address : XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (PA)

In accordance with the fair credit reporting act Transworld systems Inc, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which in antedates the report by more than 7 years.

15 U.S.C 1681s2 ( A ) ( 5 ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate. 

As you can see by law they have violated multiple rights.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates is reporting 3 collection accounts on my credit reports. When I disputed them and asked them to provide validation of the debt, they only responded with credit card statements for each account. This is NOT validation that I owe them. They need to provide original signed contracts with the lender or they need to remove the accounts from my credit reports.
Consumer complaint received 2024-05-16
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: TD BANK US HOLDING COMPANY (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC # XXXX keeps reporting an unvalidated collection account that simply holds no ground for reporting. 

I asked them to verify and they send me a typed up alleged statement which the collection LVNV created this is not validated under FCRA. 

Please remove this account from my XXXX credit file immediately.
Consumer complaint received 2023-12-06
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. (FL)

TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX forms to audit consumers account. 
TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (VA)

I submitted disputes to the consumer reporting agencies asking them to investigate the accuracy of the information reporting. At this time Im still asking for that information. I would like any documents you have. in reference to the amount on the account etc.
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I was quoted and I accepted an online policy and monthly payment of {$69.00}. Which was paid in XXXX, XXXX, XXXX and XXXX of XXXX. 
XXXX increased my payment to XXXX in XXXX which I didnt find out until later. I signed a form twice and told they never received. I already paid XXXX and I cancelled my policy because I did not agree with the increase. My policy was good until XX/XX/XXXX. I purchased new insurance with XXXX XXXX which I hold today. I purchased new policy on XX/XX/XXXX. Copy attached. I never agreed to XXXX policy a month. I agreed to 6 month policy XXXX. I do not owe this bill. Never heard from XXXX, until I received a collection notice.
Consumer complaint received 2023-12-06
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)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the to privacy.

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$680.00} written off. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$680.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$170.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms - On record until XX/XX/XXXX Account info Account name XXXXXXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$380.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$440.00} Terms - On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$6200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$900.00} Highest balance {$900.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good evening, My name is XXXX XXXX. In XXXX of XXXX, I had my bag stolen with my wallet and phone. It seems the person was following me all night and saw when I inputted my pin code because the person did numerous fraudulent activities to my Bank of America account. The person stole XXXX from me and I have been trying to get help from Bank of America and they just refuse to help me. In fact, they barely even believe me. Every time I call, the agent makes me go through so many obstacles just to get the status of the claims. They're rude, they mock me, they even call me a woman and when I correct them, they giggle. It's extremely disrespectful. Bank of America wants me to go into a branch every single time I speak to them over the phone. I have verified my identity numerous times and have given mountains of evidence. It isn't fair that I am not being heard or respected.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Certified Mail XX/XX/2023, XX/XX/2023, XX/XX/2023 XX/XX/2023, XX/XX/2023 15 US Code 1681 ( a ) ( 2 ) ( i ), 15 US Code 1666 b ( a ), 15 US Code 1681 e ( b ), The credit bureau are breaking the law and violating my rights.
Consumer complaint received 2024-07-14
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (OH)

On XXXX, it appears someone tried to open/ apply for credit using my information. XXXX sent my credit file to the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES. XXXX XXXX and on XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing this bankruptcy # XXXX since 2021 I sent numerous disputes and they still have not removed it off my credit report. This bankruptcy does not belong to me and this bankruptcy is not in my name. My name is XXXX XXXX and the bankruptcy is under the name XXXX XXXX which is proof it doesn't belong to me. XXXX and XXXX have removed this bankruptcy off my credit and Transunion is suppose to remove it as well. It is fraudlent and Transunion is violating my rights under the fair credit act code 15 USC 1692 a ( 4 ) and 18 USC 1028 ( A ) I want them to remove it immediately.
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: EQUIFAX, INC. (FL)

THE COMPANIES ARE XXXX, EQUIFAX, XXXX, AND XXXX XXXX. There are unauthorized inquires, collections, and charge off accounts on my profile. 
XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX I have never received a 1099 C form, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  code 18 USC 1028A, they did not provide me evidence stating that I have signed any sort of agreement with the said companies. They don't have my wet signature and they have not sent me the debt from the original collector, | sent out countless disputes to these companies stating 15 US. Code S 1681C-2 A consumer reporting agency shall block the reporting of any information on file of a consumer that the consumer identifies as information that result from an alleged Identity theft, no later than 4 business days after the date of receipt. It has been 30 days, and they are in violation of this law because | am a victim of Identity theft. Please! just want these deleted immediately! These accounts should not be furnished on my consumer report as they are in violation Under, 15 US Code 16818, 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. 15 USC 16816 states " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer. That is Aggravated Identity Theft 18 uSc I028A because they have possession of my information, and they are also using it without consent from the consumer me. 15 USC 6802 A Financial Institution may not disclose nonpublic personal information to a nonaffiliated Third Party unless - They give you the consumer the opportunity to exercise your right to opt - out They dont have a CONTRACT WITH THE ORIGINAL CREDITOR WITH MY WET SIGNATURE. I REQUESTED PROOF OF THE DEBT ASSIGNMENT.

I REQUEST THE PAYMENT HISTORY WITH ASSIGNED OR PURCHASED DEBT AND THEY DID NOT SEND. ITS been far longer than 30 DAYS and it is still not deleted off of my credit profile.
Consumer complaint received 2023-12-06
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MA)

Fay servicing XXXX XXXX has not made my payments via escrow acct to insurance company all while I was under the impression that they had this escrow acct and were doing so! They also have misapplied payments in an effort to foreclose upon my home! I requested to get my home reappraised since the value has greatly risen they denied this giving me incorrect information and immediately sent a person to my home onXXXX and or XX/XX/18 this was done after I got insurance on my own yet they still hold funds in escrow on the account I have asked for escrow funds to be returned to be due to their failure to pay home insurance! I have had head injury, many surgeries and have been laid off from my job recently!
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I have contacted both Experian and XXXX regarding this issue. 
Experian conducted an investigation and despite verifying that they received false information from XXXX on accounts that have been closed for over 8 years, they refuse to remove them from my credit report. 
Furthermore, XXXX continues to revive the timeline on these accounts which has completely ruined my credit for nearly a decade now. 
Both Experian and XXXX are colluding in this fraud, and I am not the only one given the numerous complaints and law suits against both. 
The CFPBs lack of action in this matter is also unnerving, as this is my third complaint. Everyone just keep saying " talk to Experian '', or " talk to XXXX '', which I have done - repeatedly - with no resolve.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-06
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. (NY)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove XXXX XXXX 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 2023-12-06
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. (IL)

I am writing to request the removal of non-permissible credit inquiries from my credit report. My report was pulled by the following companies without my authorization or knowledge. 
XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX