davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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. (LA)

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. 

This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-06-01
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. (LA)

This XXXX XXXX XXXX ( XXXX ) Original creditor XXXX account is showing as still open on my credit report as unpaid. I have spoken with the company at least two or three times. I was told it would be updated paid and removed. When I go onto the website it keeps showing payment processing, yet the money was removed from my account the same day.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (IL)

The account was paid several months ago. This still shows delinquent on credit and not paid. Ive contacted company several times and reached out to main office. I want this corrected and removed from my account. The accounts are showing recent and they are not.
Consumer complaint received 2021-04-23
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: Experian Information Solutions Inc. (NC)

I have been the victim of identity theft. The offender used my credit to make alot of inquiries and open up fraudulent accounts. These are the inquiries : XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX/ XXXX XXXXXXXX/ XXXX- XX/XX/XXXX
Consumer complaint received 2021-04-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED BANKSHARES, INC. (VA)

I previously reported the problem of United Bank XXXX XXXX XXXX, VA opening a savings account in my name without my permission, and when I told them not to. That complaint was XXXX. You closed this ticket without taking legal action against them. I want legal action taken against United Bank, and any funds misappropriated returned to me.
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: Credit Protection Association, L.P. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc. (TX)

I have tried to ask for the itemized bill so we can solve this debt. I called again today XX/XX/21 at around XXXX and usually calls will be recorded but today it was not and the man who answered was extremely rude and used foul language. When I asked for this information he accused me of trying to get out of paying and began verbally attacking me and stated he had spoken to coworkers about me. He said my questions were ridiculous and what was I trying to do by asking them. When I asked for his name he simply hung up on me. When I called back Im not sure if I spoke to a different man because nobody would give me their names but this man refused to give me paperwork information and proof of my debt and also accused me of trying to get out of paying which I was not. I simply wanted to know what I was paying for because its a debt from years back. This business is incredibly unprofessional and unnecessarily aggressive, abusive and their tactics are borderline illegal.
Consumer complaint received 2023-03-05
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

I deposited two payroll checks to my checking account through the ATM on XX/XX/XXXX. The funds were available online on XX/XX/2021. Two hours later the funds were removed from my checking account. They informed me that they believed that the checks would not be paid. When I questioned them about why they believe the payroll checks would not be paid ; they were unable to give me a logical explanation. Keeping in mind that a payroll check from the same company, with the same account, and from the same bank ; was paid XXXX weeks prior. I believe that there some type of malicious behavior on the part of one of Navy Federals employee XXXX XXXX ).
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MORTGAGE COMPANY (OK)

The mortgage is with 1st mortgage company in XXXX. XXXX XXXX is being sued now for fraud. He is or was the owner. Hes stolen our escrow and now hes used our money for county taxes else where. Im also finding out hes marked our account unpaid yet hes provided us with countless letter signed by him saying we are current. These items are on my credit report saying Im late on payments. After reading all the lawsuit articles I dont know what to do. Im scared for my home and what this may cost me. I made my payments and did my part but now that hes committed fraud to so many people Im scared something will happen to our home.
Consumer complaint received 2023-06-20
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)

Pursuant to 15 USC 1681 a ( 1 ) The Banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report, I realize that my report is in accurate in this inaccurate report is unfair to me, because I was never notified where the inaccurate information was furnished, and I was never notified during the companys investigation that they were going to report the information.

Pursuant to 15 USC 1681 a ( 1 ) This grave in accuracy has undermined my confidence in this companys procedures, and as a result of this, I am thinking about no longer extending credit, and if the information is not removed, I no longer want my information reported in this companys database.

Pursuant to 15 USC 1681 a ( 2 ) Trans Union is a powerless, elaborate mechanism this mishap that Trans Union has caused has ruined my reputation in adversely affected my credit worthiness.

Pursuant to 15 USC 1681 a ( 3 ) Trans Union assumed this role they were not given expressed permission by me, the consumer or a competent court of jurisdiction so not only did TransUnion fail in the initial investigation. They also assume this role and assume this information was valid, which is a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( 4 ) Trans Union did not ensure that this information was accurate and Trans Union did not exercise their grave responsibility with fairness and impartiality. Trans Union took one side of the story and never consulted with me to find out if this transaction even took place as a result of this, my privacy was breached and is violated my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that Trans Union is reporting and failed to investigate whether or not if actually took place can be categorized as a transaction that took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact, is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) 2 A ( iii ) And Trans Union initial investigation. I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a B Any authorization of a specific extension of a credit card or similar device should be excluded from my consumer report this alleged transaction that Trans Union clearly did not investigate. It is categorized as a transaction that was issued from a credit card.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

I'm currently in default with my mortgage but I have being in communication with them and I'm selling my home. I have provided all the documentation they required to show and prove that the property was in the market to get it sold. Everything had been working fine until the time that I requested a payoff demand. 

We are now ready to close the transaction, the only item that is missing is the payoff demand from them. 

I have call them several times already to request the payoff demand and every time that I speak with a representative, they promise to send it within a couple of hours, but I haven't receive it as of yet.
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I purchased an XXXX television from Bestbuy.com for {$1800.00} ( {$2000.00} with tax included ). This initial purchase was on my Best Buy XXXX credit card ending in XXXX. The television was delivered on XX/XX/XXXX. Two weeks after using the television it began malfunctioning. I called Best Buy customer support and explained the situation. They agreed to replace the defective television with a new one, the same model as the original. The television was out of stock at the time so they told me to call back in a week when they expected to have the television back in stock. I called Best Buy customer support on XX/XX/XXXX and the representative informed me the television was now in stock and they could process the return/exchange order. I purchased the replacement television on my Citi XXXX credit card ending in XXXX for the same price as the original order. The pickup/delivery took place on XX/XX/XXXX. When the delivery people showed up, they took the defective television with them but they did not deliver the replacement television. They processed my return on the Best Buy XXXX credit card for the original purchase later that day. I called Best Buy customer support about the replacement television and they informed me they did not see any order for a replacement television in their system and I was not due a television. My Citi XXXX was charged {$2000.00} and I never received the replacement television. I asked them to refund my Citi XXXX if I was not going to receive my replacement television and they refused to do so because they did not see the order in their system. On XX/XX/XXXX I opened up a dispute with Citi about the {$2000.00} charge that appears on my XX/XX/XXXX XXXX statement. I provided order details, receipts, and credit card statements to Citi to aid in their investigation. I can provide these same documents to you to help in your investigation. After a few months of investigating, on XX/XX/XXXX, Citi informed me Best Buys bank is refusing to refund my money and there is nothing else they can do. When I initially opened up the dispute on XX/XX/XXXX I was issued a conditional credit on my XXXX which has since been reversed after their investigation has been closed. Since then, I have been trying to get this sorted out through Best Buy customer support but they have not been cooperating.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please delete/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (FL)

I received this email on XX/XX/XXXX from Convergent Outsourcing : Regarding Your XXXX XXXX Account Ending in XXXX Dear XXXX XXXX, The account referenced below has been placed by XXXX XXXX with our office for collections. 
Our client has advised us that they are willing to satisfy your account in full for 70 % of your total balance. The reduced balance amount of {$1100.00} must be received in our office by an agreed upon date. If you are interested in taking advantage of this opportunity, respond within 60 days of your receipt of this notice. We are not obligated to renew this offer. 
THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 
Please send any correspondence to Convergent Outsourcing , Inc. at XXXX XXXX  XXXX XXXX, WA XXXX Your Account Summary : Creditor : XXXX XXXX Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$1100.00} Account Balance : {$1300.00} Collection Costs : {$240.00} Total Amount Owed : {$1600.00} On XX/XX/XXXX, I paid {$930.00} in settlement to XXXX XXXX for the same debt mentioned in the email I received from Convergent. This is the receipt below : From : XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX  To : XXXX Subject : Payment Receipt Thank you for your payment! 
Your payment has been received and charged by XXXX XXXX XXXX Below is your payment receipt. 

Date : XX/XX/XXXX Account Holder : XXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ZIP : XXXX Current Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX # : XXXX Invoice : XXXX AMOUNT : XXXX TOTAL : XXXX ========================================= X_______________________________________ ========================================= XXXX XXXX **PLEASE RETURN SIGNED** BY RETURNING THIS RECIEPT SIGNED YOU AGREE TO PAY THE ABOVE TOTAL AMOUNT ACCORDING TO THE CARD ISSUER AGREEMENT. 

Please sign the above receipt and send back a scanned/photo copy of the signed receipt to this email ( you may snap a photo with your camera phone if you do not have scanning capabilities ). If you are not able to print and sign, you can also visit XXXX XXXX XXXX  for free ESigning services. 
If you have any questions about this transaction please call ( XXXX XXXX XXXX or email us at XXXX and reference your ID Number above. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose. 
Confidentiality Note : This email and any attached files are intended only for the use of the individual or entity named above and may contain information that is confidential and privileged. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail is strictly prohibited. If you have received this e-mail in error, please notify us immediately by return email and delete the material from any computer.
Consumer complaint received 2021-03-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have sent the Department of Education a letter of equity of interest stating that I am willing to oblige paying the amount the Department of education claims that I owe. The original lender of the loan was XXXX XXXX  and after trying to contact them I was immediately rerouted to the Department of Education. The first letter I sent was forwarded to a different address in which I received no correspondence whatsoever. After doing some research I found two addresses to the Department of Education. One in XXXX PA and the other in XXXX KY. It has been more than 30 days and I have not received any correspondence.
Consumer complaint received 2021-03-18
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. (IL)

I reported that the info was wrong on my credit report on XX/XX/2021 and I have yet to receive a response. I been trying to work with the bureaus to check on my report about the inaccurate and unverifiable accounts. But now I feel ignored and upset about the lack of response. I regret that I am being forced to take such action, but I don't know what else to do.
Consumer complaint received 2021-03-18
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. (IA)

XXXX/Experian has continued to falsely publish two accounts from XXXX ( XXXX XXXX XXXX ). I have reported these accounts are not mine nor do I now or have I ever had any agreement of any kind for any amount with XXXX. XXXX/Experian has claimed the information is correct from an unverifiable data furnisher. Regardless what a data furnisher states, it should be given less weight than the alleged account holders statements. I have also proven XXXX has never sent me any proof of these alleged accounts. I can not attach any documents of proof as Ive never had any accounts with XXXX nor has XXXX sent me any detailed proof of these alleged accounts even though I have requested this detailed information many many times.