davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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: Convergent Resources, Inc. (MI)

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Informatio In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; it is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had disputed with Transunion to remove a paid New York State tax lien from my credit report. I had cited a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I had written to transunion a certified letter along with proof of payment and gave them 30 days to remove it from my record. 

I received no response from Trans Union via mail and had no help when calling on the phone. I was promised call backs etc with no proof being provided to me of investigation etc.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX XXXX XXXX XXXX gave me a loan for my mortgage. In XXXX XXXX XXXX also sold my loan to Wells Fargo and it's been with Wells Fargo since XXXX. 

XX/XX/XXXX I received a letter from an attorney representing XXXX XXXX, saying that Wells Fargo had demanded XXXX XXXX buy back the loan at the current balance. XXXX XXXX, therefore demanded that I pay the remaining balance in full which is currently XXXX and that I pay it in full in XXXX  days of the notice. Or my house would be foreclosed upon and sold. 

I reached out to the attorney for XXXX XXXX for further explanation on three occasions but received no responses. I reached out to Wells Fargo, and the first time their representative investigated my account, they confirmed my loan was current, no late payments had ever been made. They told me to ignore it. A loan that is current, can not be foreclosed on. Even though XXXX XXXX had threatened it. 

After not hearing from XXXX XXXX attorney, I reached out to Wells again a second time. This time, they issued a case number and told me that someone would investigate it further, because nobody had ever heard of a bank selling back a loan that is current back to the original lender after XXXX years. 

After not hearing from the attorney, I went on to XXXX XXXX website and contacted several email addresses, until I got a response from somebody. They told me that XXXX XXXX messed up by not reporting something correctly and to fix it they needed to run a credit report. I asked them not to. They said OK they would not, that they would use the old credit report used when I obtained loan. But a day later, I received several notices, that my social was run for inquiry, and have been getting calls non-stop. XXXX XXXX said that it was an error, and they didnt mean to run report but the damage was done. 

After also hearing back from Well, they advised that they actually had notified XXXX XXXX, that they were supposed to buy back my loan on XXXX. But no explanation as to why I was not notified first to try and save my house. Their only concern was that I continue to make payments until they sell the mortgage. 

So, to start off, not sure if I found out by mistake early. It almost seems like I intentionally was kept in the dark so I would not have time to be able to save my house. Second if I am current with my mortgage, can a bank really foreclose on my home.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-04-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I purchased home stuff from Best Buy and I was offered a credit care with XXXX percent interest on that purchase. I was paying the amount with minimum payments on time. I also paid XXXX dollars in XX/XX/XXXX towards the full balance and the remaining balance was paid with the minimum amount. 

On XX/XX/XXXX, I saw the interest charged XXXX dollars as I was not aware of that, and no notice was provided to me, otherwise, I would have paid the rest XXXX dollars, instead of paying the XXXX dollars interest rate. 

This is very unfortunate that no information was provided at the time of purchase as I was told that it is a XXXX percent credit card with no mention of promotional rates. 

I would request to find a solution and help to get my credit card amount corrected with the removal of XXXX dollars which was not disclosed to me before applying for a credit card in the store. 

Under the Credit Card Act XXXX, credit card issuers can charge a penalty APR that must be disclosed at the time of account opening and also should disclosed at the time of offering. 

Thank you XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (SC)

On XXXX the account of @ XXXX contacted me wanting to pay me for companionship. He said I was so beautiful and didnt want to do anything inappropriate just get to know me and not waste my time by paying me for that time. So I said okay. After a week of talking he sent me a check of XXXX. He asked me what bank I used and I told him and then told me he wanted to include some money for me to send to a charity for foster children. I asked why he couldnt and he said because he has given them too much and wanted it to come from me. After the check cleared on my Mobile deposit I sent the contact he said was in charge of the financials for the orphanage in the amounts he asked for. These were directed to the XXXX XXXX phone number I provided. 

Then he sent another check for XXXX and wanted me to do the same thing. After one XXXX he started asking me for inappropriate pics and convo that I got uncomfortable and started to realize it was a scam. Shortly after this the checks bounced out of my account and I was put into the negative. He hasnt contacted me since. 

I sent him a total of {$2500.00} XXXX payments before the funds he sent by check were taken out of my account. I thought the money was approved as it said it was after mobile deposit. Once it was finally reviewed it was taken out of my account because the check was tampered with. At this point I had used some of the money to pay off bills and I didnt know I was putting myself in the negative. 

I cant even get a loan now with a negative account balance and Ive had a couple of direct deposit work check go into this account reducing my negative but leaving me with nothing to live off of. All of my bills go through this account as well. 

After contacting my bank right away I filed a claim for the XXXX payments and for the scam. My account was on hold but not closed and they said I couldnt do anything for 10 days while it was being reviewed. 

I got letters in the mail at various days XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all dating the same day XX/XX/XXXX in the mail itself. The conclusions they had were that I can not be reimbursed for the funds I sent or the check I thought was approved.
Consumer complaint received 2024-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (GA)

I paid off a medical debt owed to XXXX XXXX directly at XXXX. For the past few months, I have intermittently been contacted by a group called " Elevate Recoveries, '' claiming that I owe the exact balance I've already paid on my medical debt. I think that this is a scam to collect duplicative payments on a debt that I have already paid. The emails and calls I've received from Elevate Recoveries have been very unprofessional, and I refuse to believe that this is a real debt collector.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Per Fair Credit Reporting act, all information on a report must be correct and factual. 
the following accounts, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has failed to provide and maintain accurate information on payment history, They have also failed to update the dispute statis of the most resent dispute within the allotted 30 day as required by FCRA
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I opened an account with US Bank XXXX XXXX XXXX Branch ) on XX/XX/2023 and deposited {$25.00} via debit card as required to open a checking account. On the following Friday ( XX/XX/2023 ), I deposited a physical check via bank teller at the US XXXX XXXX Branch. The check amounted to {$2300.00} from the XXXXXXXX XXXX XXXXXXXX XXXX ( My employer ). I was told by the teller that the check would be held till Tuesday ( XX/XX/2023 ) but the {$220.00} of that would be available now. I withdrew {$200.00} and continued about my day. Fast forward to today ( XX/XX/2023 ) I can see through online banking that my balance is available and I go to the bank to withdraw {$600.00}. The bank teller then proceeds to tell me that my account is frozen and pending for cancellation via the risk department. He then suggests I call customer service to speak to the risk department. I call customer service and they tell me that the risk department does not speak to customers and try speaking with the branch manager. I then call the branch and the manager tells me that she can see the issue with my account and my account did clear but she doesn't see why they would close the account. In addition, she said there is nothing she can do but look at the check and review if everything is accurate. Other than that she is unable to do anything. I'm at a lost of what to do. I unfortunately have no other income and am not sure when I will be able to retrieve the funds. No one at US bank seems to be able to help.
Consumer complaint received 2021-12-30
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 — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (FL)

APPLIED TO INDIGO ( XXXX ) AND XXXX ( XXXX ) AND XXXX XXXXXXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX  : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Hello CFBC, I hope all well. I was appalled today when I login into my credit report and saw multiple unauthorized inquirys. Please see below the unauthorized inquirys. 

XXXX - Unauthorized Hard Inquiries Merchants XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Citizens Bank XXXXXXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address a discrepancy found on my credit report. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payment that was not accurate. Taking proactive steps, I promptly contacted XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. 

XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have asked XXXX, along with XXXX  and transunion to verify that the account XXXX XXXX XXXX XXXX ( XXXX ) is 100 percent correct and free from inaccuracies. They verified the account XXXX to be accurate. But when I looked on my report there is inconsistent data across the three bureaus being report for this account, including the balance, open date and last active date. 



In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 2022-11-27
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. (TX)

I have made many complaints/disputes to Equifax regarding XXXX reporting inaccurate and unfair information on my credit report. Equifax has conducted superficial inquiries regarding this matter. I have asked repeatedly for them to conduct a reasonable investigation regarding an unfair report of a 30 day late payment-XXXX XXXX, due to the creditor 's lack of proper notification to present the payment coupon ( sent to a wrong address ) which resulted to the creditor not properly notifiing me in a timely manner. I have sent supporting evidence and attachments via mail to Equifax. Equifax must conduct a reasonable investigation of this mishapes and correct the error on my credit report. Equifax contacting and accepting XXXXXXXX XXXX  swift response without evidence of substantiated verification of the 30 day late is not the proper course of action that is acceptable per previous judicial hearings.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I have sent many letters, requesting debt validation and the company refuses to respond. They send statements that are irrelevant and not from Portfolio Recovery Associates. 
I do not have a contract with Portfolio Recovery Associates, nor do I want one.
Consumer complaint received 2023-07-01
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: FIRST ADVANTAGE CORPORATION (GA)

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.