davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
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: EQUIFAX, INC. (CA)

It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.
Consumer complaint received 2020-02-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Newman, Hesse & Associates, P. A. (WA)

On XX/XX/XXXX, received in the mail an garnishment notification from Newman, Hesse and Associates, P.A. from XXXX, KS for a bad debt from check written in XXXX KS, on XX/XX/XXXX. This was the first I have heard about the check. I left Kansas in XXXX after college and was never served by the court or collector, never got any mail on it nor was I informed by anyone on this. I was never able to represent myself or even attempt to pay it ( with no contact how would I know ) however this group filed in XX/XX/XXXX with XXXX county court for judgement, then in XX/XX/XXXX took it to court again. Filed a third time in XX/XX/XXXX, a fourth time in XX/XX/XXXX, the fifth time XX/XX/XXXX, and finally in XX/XX/XXXX got a garnishment setup. With this garnishment they did not even send it to a correct employer. I do not work in XXXX IL. My employer does not do business in XXXX nor am I a resident there. From what I also understand is that they also have to file in the local state to garnish to begin with. I check my credit and nothing there either. With this debt they are running up the bill which started at XXXX after fees and charges is now XXXX. This is robbery. Plus my information is now with a company I do not work for or do business with. They need to be stopped. I have had no notification from the state nor the company except this letter which I took the AG for Kansas ( how I  got the info on what it was on ). The state of Kansas knew where I lived for the last 18 years as we paid a debt my wife owed. This is unfair and wrong and after 20 years ridiculous.
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I closed on my home on XXXX/XXXX/2016. My mortgage was paid in full with dovenmuehle mortgage under loan XXXX. The mortgagee did not post the payment until XXXX/XXXX/2016. I then submitted a change of address in writing with Dovenmuehle on XXXX/XXXX/2016. After not receiving my refund I called back on XXXX and I was told the address change was never received. However they gave me the exact same email XXXXXXXXXXXX to send it back to. Therefore, I filled out another change of address and sent it back. I was told I had to wait 30 days for them to reissue another check which I found unreasonable but I did wait until XXXX. On XXXX I was told it would be another XXXX7 days to research if the check had been cashed. So I called back on XXXX to see what progress had been made. I was told the 5-7 days was not up and that once they verified the check had not been cashed they submitted a request to " cut the check '' which takes XXXX7 days and from there the check then goes out another XXXX7 days later. I verified this by asking the rep, " so it will be another 14 business days? '' She said that was accurate and that 's when I said this was unacceptable. I pushed through XXXX different supervisors. Someone did not put me on hold properly and I witnessed the rep 's discussing how difficult I was being. Then a supervisor got on the phone and said they would try to direct deposit the refund in 72 hours. We will see if that happens but I have my doubts. I am going on 60 days since I closed my loan and this mortgagee still has my {$2900.00}!
Consumer complaint received 2023-04-14
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX Balance : {$220000.00}, XXXX XXXX Date Opened:XXXX XXXXXXXX XXXX {>= $1,000,000}, XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$47000.00}
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I " invested '' {$7600.00} in XXXX, XXXX XXXX. My " investment '' went up to {$13000.00} On this date I tried to withdraw {$8000.00}. 
They required me to deposit {$2200.00} to cover taxes. 
" The tax needs to be paid by the user separately and can not be deducted from the account balance. '' " Since user funds are stored in the block chain we have no right to deduct any fundfs from users, so you need to pay sepqarately and the tax is a system audit. You need to pay taxes before withdrawing money back to your wallet. '' " Due to the special nature of cryptocurrency, it is easy tfr users to use it for tax evasion, so the profits earned from trading on the exchange are collected by the exchange, and submitted to the IRS, and then a tax 1099 document is issued to the user. ''
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX XXXX AND XXXX  XXXX XXXX XXXX. I have contacted the FTC and the XXXX Police department.
Consumer complaint received 2020-02-10
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. (SC)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. I have contacted my local police and the FTC.
Consumer complaint received 2023-03-03
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-15
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. (IN)

The following hard inquiries on my credit report are incorrect and do not belong to me. please have them removed from my credit report immediately XXXX Inquired onXXXX On record untilXXXX XXXX XXXX Inquired onXXXX On record untilXXXX XXXX
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

When I ordered my American Express XXXX XXXX XXXX card I was promised XXXX XXXX Rewards Points after I spent {$2000.00} on the card in the first XXXX months of ownership. 

I spent more than that several months ago and I have still yet to receive my reward points despite several phone calls to American Express. 

They keep telling me Ive met the terms of the offer but no one can tell my why I have never received my points.
Consumer complaint received 2023-03-03
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. (IL)

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 items 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 ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report has incorrect information about my XXXX card account. It states the card is closed and charged off. I paid off the card and had an agreement that if I did, they would remove all negative reporting along with the entire account off of my credit report. The account needs to be completely removed as soon as possible.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Account DetailsLast Reported XX/XX/XXXXCollection Agency XXXX XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXStatus ClosedOpened Date XX/XX/XXXXClosed Date -ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarks Paid collectionThis Medical balance was paid in full as of XX/XX/XXXX and I would like it removed from the collections category.
Consumer complaint received 2022-11-25
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. (NJ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX 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 2023-01-10
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. (LA)

Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my Hippa rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.
Consumer complaint received 2022-11-21
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. (OK)

I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXX XXXX  with account number XXXX. It says the original creditor was XXXX XXXX XXXX. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (OK)

I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXXXXXX XXXX with account number XXXX. It says the original creditor was XXXX XXXX Bank. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  has violated my rights. 

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
Consumer complaint received 2022-11-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.
Consumer complaint received 2022-11-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Bank has violated my rights. 

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
Consumer complaint received 2023-03-03
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. (FL)

I disputing on XX/XX/2021 Late payment {$29.00} I sent a goodwill letter to the company requesting that they remove or delete the late payment. In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for on purpose. 

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Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Transaction issue — 
Company: Bread Financial Holdings, Inc. (AZ)

I have a Paypal credit account ( aka XXXX ), I have made a payment to this account as well as obtained refunds from merchants which do not post to my account. I have been calling the customer service department daily for a week asking when these will post. I am constantly promised that it will happen at the end of the day ; when I chack my balance the next day, I find that I was lied to and that payments to the account and refunds do not poat and do not affect my current balance on the account. Where is the money going?
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, 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)

I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXSIST. 

In accordance with the Fair Credit Reporting act. The List of accounts AND INQUIRIES below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date = XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date = XX/XX/2023, has violated my rights.

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 2024-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MS)

On or about XXXX XX/XX/XXXX, I attempted to transfer money from my Navy Federal Credit Union account into another Navy Federal account. I mistakenly transferred money into an old account that my husband had and haven't used since XXXX. Once I noticed the mistake I made, I immediately called Navy Federal to get assistance correcting the problem. But Navy Federal refused to do it because they told me that it was a receiving account only due to settlements that was settled last year. They told me that the accounts were not settled even though my Huband paid the accounts via settlement using his external bank and filed multiple 1099-C 's completely settling the account. Navy Federal insistingly wanted to collect monies for accounts that was settled and placed his accounts in this status.

Navy Federal went on to say my husband owed {$4000.00} ( Settled ) and {$250.00} on another account that was settled. They were illegally pursuing {$250.00} and {$4000.00} that was already settled. We have the bank statements and 1099-C to prove it.

For this very reason, my husband hasn't used Navy Federal and these accounts in years since XXXX. And the statue is only 36months and these are unfair debt collecting practices. The agents kept hanging up on me and my husband. We requested a letter stating the accounts were never settled and they hang up. We called for the credit union to correct this, and they once again hang up on us. This occurred over ( 14 ) times in ( 2 ) days. They refused to correct the transfer, they refused to speak with us, and they refused to send a letter stating that the accounts were not settled. My accountant and I saved copies of the bank statement showing payments and the 1099-c 's. All which was paid last year. But they stated that my husband still owed {$4000.00} and another {$250.00} on another account. They were unprofessional, rude, and dismissive. 
An old account that hasn't been used nor log-in since XXXX. Navy Federal placed an hold on the account for accounts that wasn't associated with my husband 's old savings account. XXXX Navy Federal Savings .
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch manager can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch manager is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch manager still refused to help me. This has been an awful experience.