davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I wrote a complaint about the this company and the misleading data on my credit report due to them. I am now preparing to file a lawsuit due to purposely and intentionally furnishing inaccurate and false data on my credit. They responded on XX/XX/XXXX that I am a victim of fraud yet with no resolve so I will seek 1 % of the gross revenue and {$1000.00} per violation. ACCOUNT NAME XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above STATUS Company responded there may be potential fraud involved on XX/XX/XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over 8 years and should not be on my credit report at all after 7 years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX Account # XXXX I sent debt validation and requested for information to be removed. No response from this company. I told them that this was not my debt. They have ignored me. 

The time that this account was opened, I did not own the house. The previous owner of the house must have bought a home improvement loan and now they are charging me for it. This is not my debt! This is fraud. 

XXXX XXXX has many complaints of not responding to consumers requests. They also have complaints about opening accounts in other peoples names. They dont get verification of who is the home owner and who is getting the home improvement. They are a rip off and it is messing up my credit. They are crooks. I just want it deleted. this is not my account. This makes me XXXX 

I added a copy of my mortgage account from my credit report to show when the mortgage account began and it began after this fraudulent account was opened.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: W&A Intermediate Co., LLC (TX)

WAKEFIELD AND ASSOCIATES INC. CALLED ME ON XXXX ( MISSED CALL ) AND ON XXXX FROM THEIR PHONE NUMBER XXXX. WHEN I ANSWERED, THE CALLER ( AN ATDS ) HUNG UP ON ME. I CALLED THE NUMBER BACK. AND THEY TOLD ME THEIR BUSINESS NAME BUT REFUSED TO GIVE ME THEIR ADDRESS UNTIL THEY HAD MY COMPLETE NAME. THEY WERE CALLING FOR A XXXX AND MY NAME IS XXXX. I TOLD THEM THIS IS MY PHONE NUMBER AND I DO NOT KNOW A XXXX. BY DENYING ME THEIR ADDRESS, THIS IS AN UNJUST, DECEPTIVE, AND MISLEADING ACTION. I HAVE A RIGHT UNDER THE FDCPA TO KNOW THEIR ADDRESS, FILE A COMPLAINT WITH THE CFPB AND SEND THEM A DEBT DISPUTE LETTER. IF THEY LOOK CLOSELY AT THEIR NOTES, THEY WOULD SEE OTHER DEBT COLLECTORS HAVE TAKEN NOTES INDICATING THE PHONE NUMBER THEY HAVE ON THE ACCOUNT BELONGS TO ME.
Consumer complaint received 2023-05-24
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)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-06-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jim Bottin Enterprises, Inc (TX)

Called my office on XX/XX/23 at XXXX. XXXX from XXXX XXXX. Told her to send me a notice in writing with details because I hadnt received anything. She said they did on XXXX. Found a text with no information other than they had my account & to contact them. I told XXXX to not call my office and she began yelling at me that I had a responsibility to pay me debts. I said that I know my legal right is to advise them to not call me at the office and who was she with again. She wouldnt tell me. I said Id be filing a complaint. She said she would put me down as a refuse to pay and theyll be coming after me.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AZ)

this false information I have never opened an account with XXXX on XX/XX/XXXX. 
CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$790.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$790.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-07
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: Fidelity National Information Services, Inc. (FNIS) (OH)

I sent a letter out on XXXX to XXXX, XXXX, XXXX and Chexsystems here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

During XXXX, my husband 's hours were cut, my Mom who had XXXX had reached the maximum payout for her long term care, so I became her full time caregiver and XXXX of my children moved back home. We were having difficulty making the house payment, so I called the lender and they granted a forbearance over the phone. I did not sign any paperwork nor was anything discussed regarding payment arrangements. I extended the forbearance in the same manner several times. 
There are 3 homes on the parcel, 2 of them are rented. The XXXX came in XX/XX/XXXX, because the tenants turned the rentals into XXXXXXXX XXXX XXXX. My husband and I were XXXX  and they never went after the tenants. We discovered a water leak in the main home that did {$140000.00} in damages. The lender, SPS was aware and received the insurance payments to disburse. 
Once the remodel was completed in XXXX, we were once again able to rent the homes and began making mortgage payments. The lender rejected the payments and in XX/XX/XXXX filed a Notice of Default. 
Since this time I have been working with the lender to reinstate the mortgage, but they are insisting on {$100000.00} in back payments. I was assured the foreclosure would be halted while we were attempting to make arrangements. 
Yesterday I was notified they have moved forward with a foreclosure sale dated XX/XX/XXXX! I have been unable to speak with anyone other than a customer service rep to go over any repayment options. California has a program where they offer up to {$79000.00} to bring the loan current, but I am unable to speak to anyone about an arrangement to lower the total to at or under {$79000.00} and possibly place the remaining balance on the back end of loan or make additional principal paydowns. 
SPS Servicing is the servicer, XXXX XXXX  is the lender and XXXX XXXX XXXX Processing is the one who filed the sale date. I just received the name and number of the attorneys involved, XXXX XXXX XXXX in XXXX XXXX.
Consumer complaint received 2023-06-07
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. (MD)

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

15 U.S.C 1681 section 602 A. States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX TD 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (IL)

I filled out an application for mortgage assistance on XX/XX/2023 with PHH mortgage. It started with them stating that they never received my email when I have proof of delivery, they then one month later decided to request additional information which I gladly sent over the same day on XX/XX/2023 for a modification, to this date I keep getting the run around and still no answers on the application for a loan modification. No one in the company is able to assist or answer any questions or even transfer a phone to a a supervisor.
Consumer complaint received 2023-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYST claims I have a debt with XXXX XXXX and I don't have and never have had a XXXX account. I have been an XXXX XXXX XXXX customer for 10 years.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

My account had been closed for about 1 year with chime banking i have got ahold of them plenty of times and spoke over the phone with the representatives and they told me my closure check which was for {$500.00} would be sent out to me in the mail i needed to comfirm my address with them so that they can make sure they had the right information i have still not received nothing in the mail this is ridiculous i get they closed the account but they owe me money!!! that belongs to me.
Consumer complaint received 2024-04-03
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)

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

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX has taken {$45000.00} from my checking account. I called both XXXX  and wellsfargo to dispute to claim a fraud. Wellsfargo denied my dispute saying it is not fraud. I never had any account from XXXX
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (OR)

On XX/XX/2023, I was trying to make multiple purchases at local grocery store chains, including XXXX XXXX and XXXX. My Citibank Premier card kept getting declined. I called Citibank  at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and at XXXX XXXX. 

Each time, I told Citi representatives that the charges I was making were authorized and was willing to provide them any information needed to verify my identity to ensure the transactions were not fraudulent. While 3 of my transactions went through, there were over 10 attempts where my card was declined due to fraud. I spent hours on the phone with customer service, who eventually locked the card completely and told me I had to wait for a letter in the mail to turn my card back on. 

It has been a week and I have not received the letter in the mail. My card has now been disabled for a week ( despite the fact that it has constantly been in my possession and never used for fraud ).
Consumer complaint received 2023-08-08
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023, at XXXX XXXX, I contacted customer service via phone and was informed that my account had been blocked due to unauthorized login attempts. The representative on the phone instructed me to visit any branch with my license to have the block removed. On XX/XX/2023, at around XXXX XXXX, I visited TD Bank in XXXX, NY to discuss my account with XXXX XXXX. However, I was advised to return the following day to speak with the fraud department as they had already closed for the day. 

On XX/XX/2023, at around XXXX XXXX, I went to TD Bank in XXXX, NY, and spoke with a representative who did not provide me with his business card. He informed me that my account had been closed due to activity on XX/XX/2023, at XXXX XXXX  that did not comply with TD Bank guidelines. He declined to elaborate when asked for further details and only provided me with a card with the number XXXX. He did not disclose his name during our initial interaction. 

I am aware that my account has a negative balance and made a deposit of funds via XXXX on XX/XX/2023, which was unfortunately declined. 

I was also unaware that the bank offered the option to block my debit card from approving purchases when there were insufficient funds. Additionally, I have not been informed of the specific reason for the closure of my account. I have not received any phone calls, emails, or other forms of correspondence regarding this matter. 

I experienced feelings of humiliation during my interaction with the representative at TD Bank in XXXX, NY, and I believe that I was not treated with the respect that I deserved. I am seeking a resolution to this matter and request that TD Bank in XXXX, NY take appropriate steps to rectify the situation, such as inviting me back in to reestablish my account.