davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (PA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE ()

Hello I deal with a company that exports vehicles to other countries, and this company deals with Western Union business solutions to receive their international transfers. 

The amount that is transferred is XXXX XXXX to Western Union business solutions and a month passed, and they did not deliver the amount to the final beneficiary as they described. The final beneficiary is XXXXXXXX XXXX 

*The name of the account I transferred to is/ Western union business solutions *The transferred account number / XXXX The Date of the transfer / XX/XX/2023 *Bank name/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Best regards.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXXXXXX XXXX XXXXXXXX Account name : 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 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 2023-09-10
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. (GA)

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 XXXX  XXXX Account name : 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 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 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.
Consumer complaint received 2023-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I received a notification that my account phone number had been changed at XXXX on XX/XX/. I checked my account and money had been used to make 3 purchases. Two on XXXX and one on XXXX. The XXXX charge was over XXXX and I had no history of shopping with that vendor. I have reopened my dispute 4 times now and they continue to deny.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FM)

After attempting several time to contact XXXX XXXX about a collection on my credit report I contacted my insurance company and after long holds on phone they got thru and stayed on the line with me and resolved any and all debt owed to them. This was on XXXX2018..

After all debt was cleared up the collection agency posted a new debt on my credit report. I called the collection agency and they informed me XXXX XXXX   reported a new debt to them.

I called my insurance company again and after long hold I was assured there is no responsibility on my part to them and everything was paid in full.

I just received a bill from the collection agency ( via mail ) for the entire amount that was owed.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (VA)

I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ROC Asset Solutions, LLC (WI)

My mother, ex wife and I have received repeated calls trying to collect a debt from my sister. We have all insisted they stop and they claim that it 's my sister 's fault they are calling and that we can be held liable.
Consumer complaint received 2023-03-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-12-06
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)

FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Resident type
Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA violations: payments never late XXXX XXXX XXXX
Potentially negative
Date opened
XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine
XXXX  Potentially negative
Date opened XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XXXX
Balance
XXXX
Status
Collection account. $12
Consumer complaint received 2024-04-01
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. (PA)

What's up CFPB. I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There are late payments from XXXX of XXXX til XXXX of XXXX. Not to mention XXXX for months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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 a account without my written instructions.
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

Hunter Warfield never gave me a chance to dispute this alleged debt, which breaks the law 15 U.S.C 1692g - Validation of debts. On XX/XX/, I took matters into my own hands and sent Hunter Warfield a debt validation letter. In the letter, I asked Hunter Warfield to validate this alleged debt with the following questions : 1. The name and contact details of the original creditor. 

2. A detailed breakdown of the debt amount, including any interest or fees that may have accrued. 

3. Proof of any written agreement or contract that establishes my liability for this alleged debt. 

4. Verification that your agency is authorized to collect this alleged debt. 


Hunter Warfield ignored my previous questions and only answered question 2. Hunter Warfield responded to my debt validation letter by stating I owed {$320.00} with a XXXX XXXX  interest rate and ignored all my other questions that would validate my alleged debt. The company sent me a lease application agreement but did not send me a contract between me and Hunter Warfield.

Hunter Warfield violated code 15 USC 1692d- Harassment or abuse because the company reported this alleged debt to my credit which can ruin my reputation. 

The XXXX XXXX XXXX is the original creditor, and they sold my personal information along with the debt, to Hunter Warfield which is a violation of code 18 USC 1028. I know they sold my personal information to Hunter Warfield without my permission because Hunter Warfield has my old address where I no longer reside on file.
Consumer complaint received 2023-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

I paid my student loans in full on XX/XX/XXXX  and everything was fine until my payment was reversed. The reversal only showed up on my account on Saturday, XX/XX/, conveniently when their offices are closed. I know 100 % that the bank information I entered was correct because the funds were removed on my account. Interest was charged to my account for each day after XX/XX/, despite having paid it in full on this day and no information being available to me regarding the situation so that I even *could* correct it. Now theyre back and unavailable to me until tomorrow, XX/XX/, so I cant repay it to avoid interest even if I wanted to. This has happened to thousands of others, not just myself. I believe EdFinancial is purposely reversing these payments in order to gain extra interest from each borrower. The wait time in order to receive assistance over the phone has been upwards of two hours for those who were able to call, and for others like myself, we cant call the offices at all. We just have to continue accruing interest on a loan weve already paid because EdFinancial wont help us. They are deliberately attempting to make more money off of us by leading myself and many others in circles.
Consumer complaint received 2023-09-10
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Self Financial Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX ca XXXX ] [ XXXX [ XXXX [ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from XXXX XXXX XXXX XXXX XXXX XXXX ], on XXXX XXXX and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Total Amount in Dispute : [ {$720.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. 

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future.

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently.

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above.

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute.

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
Consumer complaint received 2023-04-20
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. (KY)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (RI)

I mailed a letter for request to delete and update any personal information to XXXX, XXXX & Experian on XX/XX/2024. I also sent a dispute letter to validate alleged collections, negatively reporting accounts, and unauthorized inquires, along with consumer laws they violated, on XX/XX/2024. I did not receive a response or results of the investigation. Its been well over 30 days, and this is a clear violation of 15 USC 1681i. I've delt with these same reporting issues in the past and have not yet recovered financially. Below I've included the codes that have been violated and a list of accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX, has violated my rights. 

EXPERIAN : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : XXXX XXXX XXXX has violated my rights. 

XXXX : Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Inquiry : 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 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 2023-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

At first, Ive opened an account without any reasonable checks just fill the form and instantly get an account without any identification, documents, and credit checks. 

But two weeks later, when I deposited a test amount of money, my account was put on hold due to suspicious activity. I dont know why it may have happened, but one of possible explanations is that its because I was on a vacation outside of the U.S . 
Ive been requested identification documents via e-mail and I have provided U.S. Passport, U.S. Passport Card, SSN card that was not signed, credit report from XXXX, statement from the other XXXX XXXX When I have provided the documents, Ive been requested to provide new photos of them and to sign SSN card. Ive done all that and provided new photos. 

Later, I received an e-mail that requested a State-issued ID or Driver 's License or a Permanent Resident Card ( for the context, I'm US citizen ). 

I have replied that I dont have state-issued ID or Drivers License, which Im not even obliged to have. Moreover, Customer Identification Program regulations explicitly state that there may be alternatives to driver 's license such as a passport : 31 CFR 1020.220 declares that For an individual, unexpired government-issued identification evidencing nationality or residence and bearing a photograph or similar safeguard, such as a driver 's license or passport.

In my correspondence, I highlighted that I have already provided other universally valid federal-issued identification documents with photo and that Im ready to try alternative forms of verification if they suggest them.

The support replied that in this case they cant lift the hold.

I asked them again to provide alternative identification options and offered them some alternatives like selfies with documents, other documents that I have including U.S. birth certificate, documents from my second citizenship ( foreign passport and foreign drivers license ), and even an option of signing a statement in front of notary public who will verify me. Nevertheless, my request was ignored multiple times both through the call-center and e-mail.

I have even filed a claim ( see attached ) to them, but that didn't help.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: GATEWAY FIRST BANK (LA)

This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I'm including a copy of payments I've made on the account that are paid automatically through a bi weekly program