davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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. (IL)

Accounts XXXX XXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio (CA)

A company listed on credit report as VANCE and Huffman LLC has sent out a debt collection notice to me trying to get XXXX dollars from me. I never took any sort of credit or loan from any company under this name and with me having a near perfect payment record it was absurd hearing of this out of nowhere, then threat of legal action towards me and attempts to seize assets.
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (CA)

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened 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 ( learned through more research both parties require ). I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( XXXX XXXX  The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}, XXXX, XXXX ( Original creditor : XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$2800.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

When additional principal payments are sent to the bank, the bank is taking finance charges out of principal only payments, even though payments are marked principal only. Five additional principal payments were sent between XXXX and XXXX and each time the bank applied towards finance charge and principal. While the bank will reverse this if you call directly, it is a predatory practice.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX had a system glitch and posted a transaction to my account XXXX times on XX/XX/23. My bank, USAA had no fraud detection or alert that went through and allowed {$7400.00} to be withdrawn. XXXX has acknowledged they had a system issue and this was an error and they issued a refund however USAA will not release the refund and they state its because XXXX could recind the funds. USAA also will not issue any kind of provisional credit while they investigate. We have called USAA every single day since this happened and they have not helped at all except to tell us they dont when we will have our money. We have been left with no money for 5 days.
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The information that is reporting on my credit report is not correct my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, maryland XXXX. Everything else far as my address and name that is reporting on my credit report is incorrect.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

Please note XX/XX/22 I after applying for a line of credit I was denied because of fraud alert thats not supposed to be on my equifax file in fact still is. After speaking with agent for XXXX XXXX  confirmed there was a fraud alert indeed still on my profile. I since file a federal complaint with my states attorneys office this is unacceptable. I also payed for equifax monitoring subscription. And was blocke out of that as well. I received a code stating that to contact them. With a the code BLNK. If my credit report is not restored immediately I have been advised to take legal action for defamation and violations under the fair credit act
Consumer complaint received 2023-05-31
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. (SC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX* Balance : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IA)

XX/XX/XXXX  I disputed account with XXXX asking to verify or delete account immediately as I do not recall having account open. It's been over 60 days and I have not received verification documents. I have been fraudulently contacted by unauthorized credit collection companies in the past that now I ask full verification on all debts that I do not recall.
Consumer complaint received 2023-06-07
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. (IN)

I received my credit report on XX/XX/2023 and i notice there were adress that in my account have permissible pourpse to be on there these adress are fraud. i already reach out to the credit bureaus about this multiple times they keep violating my rights under 15USC 1681b. I also have attach the adress on file that don't have no purpose to be on my credit report
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (NC)

I demand that you Cease & Desist from reporting old information on my consumer report, I demand that you cease & Desist from reporting, incorrect, misleading information on my credit report, I demand that you Cease & Desist improper validation and proof of debt on my credit report. 
Please remove the following account within 5 days from my report XXXX XXXX XXXX XXXX I have not given you premission to report these accounts to my report, Also I have not recieved evidence of these accounts that that belong to me. 
These account are incorrect and misleading. I will seek legal action if they are not removed within XXXX business days. This is the last notice. If there is no proof you must remove these accounts. 
Student loans have already been removed off my report than came back, XXXX has changed the account to postive to negative several times after they sold the debt to another company.
Consumer complaint received 2022-12-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (LA)

I have a loan with XXXX XXXX I had a family tragedy in XXXX ( death in the family ), and the company supplied me with a one-time deferment of one payment, until the end of the loan. I have NEVER received ANYTHING legally in writing, with regards to additional interest being charged along with the deferred payment. My contract maturity date was XX/XX/XXXX, but with the deferment, it should ONLY be until XX/XX/XXXX. Now, I am nearing the end of the loan, that has been perfectly paid, and the company is NOW saying that I owe more interest, and I won't be done until XXXX. This is totally incorrect, and I also NEVER received anything in writing at the time of the deferral, that this was the agreement. This information was NEVER provided to me, and the XXXX XXXX  is not rectifying the issue. I want this issue investigated. I was NEVER legally notified of anything with extended interest.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On XX/XX/XXXX I requested a funds transfer from my XXXX XXXXXXXX XXXX checking account, to my linked bank account, The XXXX XXXX ( Chime ), in the amount of {$400.00}. Then on XX/XX/XXXX, I requested another transfer of funds, to the same bank account, XXXX XXXX XXXX ( XXXX ), in the amount of {$390.00}. I was supposed to receive the funds XXXX business days later and never received anything. XXXX sent me an email on the XXXX of XXXX stating that my deposit has been returned due to mismatching names on the accounts. XXXX ( Bancorp ) said they never collected any money from First Citizens Bank and to contact First Citizen 's to see when will my money be recredited to my account. First Citizen 's is saying once it's been processed, it's out of their control. Both banks are refusing responsibility for my lost money. I have not been given any courtesy from either banks. No bank has protected my missing funds by crediting me my funds back and have left me in a problematic situation with my bills.
Consumer complaint received 2023-06-20
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Submitted complaint on or about XX/XX/XXXX  it has been over 30 days and I have not received a written validation/ contract containing my wet ink signature ( Failure to transmit statement 1637 ( b ). Trans union and XXXXXXXX XXXX XXXXXXXX are in violation. Both entities are in Default and Dishonor.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Initially reached out to the company to negotiate a settlement of a charged off account and requested that the company provide the initial date of delinquency. 
we concluded a settle met of approximately $ 3000.00.The company advised that they only had the date of charge off and that the Original date of delinquency would be mailed to me in XX/XX/XXXX. 
From my records, XX/XX/XXXX shows as the first date of delinquency, however, to date this has not been validate. Again I spoke to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX who refused to provide the first date of delinquency. 

On XX/XX/XXXX I paid the balance of the settlement. In accordance with the Fair Credit Reporting Act 1681s-2, this information should have been provided to me within 30 days. 
In light of this violation and settlement of this account. I am requesting that this account be removed from my credit report. If this is not updated within 30 days I will pursue legal methods to have this removed.
Consumer complaint received 2023-08-13
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. (TX)

I have contact XXXX, TransUnion by mail several times and send in proof of identity even uploaded to XXXX. No action has been done. It appears negligence on their part by not checking into the situation They just repeatedly send letters indicating send in documents which I have more than once. Hard inquiries on my credit file thats inaccurate. XXXX XXXXXXXX XXXXXXXX ( Bank ) XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX FCU ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Greetings. This was my XXXX time I am sending a complaint through CFPB, with regards to the accounts I asked to remove. This time the XXXX have removed all the items I requested them to remove. The remaining issues I found were in my XXXX and Equifax Credit Reports. Below were the ACCOUNTS that I want removed. As I have been asking the Bureaus to fix these accounts but nothing happened. Also, I am humbly requesting the presence of Consumer Financial Protection Bureau ( CFPB ) to please assist me in fixing my credit reports : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

sir, XXXX XXXX  XXXX  agent told me that he deposited court entrusted reimbursement amount from XXXX XXXX in my coinbase wallet. for the activation of that amount he insisted to pay XXXX $ biticoin to my coinbasewallet. when we deposited XXXX $ biticoin, he withdrawn total amount from wallet without my approval and consent. he also created fake coins and deposited in the coinbasewallet. please take action against blockchain agent and recover my XXXX $ regards rameshnaidu