davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-05
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)

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-13
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. (WI)

I have disputed inaccurate credit reporting several times. 

I disputed both via phone and dispute center portal : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Etc. 

I have information the credit reporting agency that a CLOSED account is being reported as XXXX & XXXX and as a result re-damaging my credit. The account was reported as XXXX. I feel like the change in reporting status is due to me asking the debt collection department to verify the debt. Since they couldnt they began reporting it inaccurately to retaliate against me. If it was reported as XXXX XXXX in XXXX how could is possibly now be considered XXXX in XXXX. Since the debt couldnt be validate it should have been deleted completely. I requested the original paperwork with my signature and had not received it. Etc. Help!
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC (NJ)

I contacted Firstsource Advantage Certified Mail back in XX/XX/XXXX. After signing and receiving my dispute letter on XX/XX/XXXX at XXXX XXXX, Firstsource Advantage FAILED to ever respond back to my dispute letter that they signed and received. 

As a result of Firstsource Advantage ignoring my dispute letter that they singed and received back in XX/XX/XXXX, I have re-contacted the Federal Trade Commission in XX/XX/XXXX and I have filed yet another Federal Trade Commission complaint against Firstsource Advantage LLC. The FTC file # 's against Firstsource Advantage are XXXX & XXXX. My complaints are for the following : -Failing to respond to my initial dispute notice received on XX/XX/XXXX, XXXX USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX -Failed to contact me with a notice that advised me that their office purchased this account and allowing me the right to dispute within 30 days -Failed to contact me at all. Failed to provide me with anything at all. Instead, Firstsource Advantage purchased the account and placed it on all 3 credit reports. I would have never known about their illegal and deceptive practices if I had not obtained a copy of my credit reports -Illegally pulling my credit reports without my consent or prior knowledge, leaving credit pull inquiries.
Consumer complaint received 2017-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IL)

I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.
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: Experian Information Solutions Inc. (FL)

The credit bureau stated the listed accounts and account numbers below was properly investigated but how is that even possible if the open dates is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and the account status is inaccurate. This is destined for removal. They violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 ; It says a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my report as well. 

List of Inaccurate Credit accounts that needs to be removed : XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Number : XXXX I would like these inaccurate credit accounts removed permanently from my credit report.
Consumer complaint received 2017-05-09
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. (KY)

I have contacted multiple times, through phone calls, and letters to report that there are unauthorized pulls on my credit. I did not authorize these claims. I have reached out to the companies individual and they were not able to identity me authorizing the credit pull as well.      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 2022-11-13
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: Experian Information Solutions Inc. (NC)

I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON EXPERIAN NUMEROUS OF TIMES. EXPERIAN REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (NC)

I applied for an XXXX XXXX Credit card. My intention was merely to improve my credit score score. XXXX XXXX required that the initial contract was that pay monies that would be in escrow and returned back to me after a certain length of time. As time progressed, it got close to me collect my XXXX or more ( escrow ) along XXXX  Sent mailed me a check for {$160.00}. THEY STATED THAT MY ACCOUNT WAS SATISFACTORY PAID. XXXX XXXX SOLD MY INFORMATION TO ANOTHER BANK UNDER THE SAME NAME. I BEGIN TO SEE ON MY CREDIT REPORT WITH ANOTHER XXXX ACCOUNT I HAVE NO KNOWLEDGE ABOUT NOR DID I SIGN A CONTRACT WITH THIS BANK. I DISPUTED ON XXXX NUMEROUS OF TIMES. XXXX REFUSE TO REMOVE THIS DEROGATORY CHARGE. XXXX
Consumer complaint received 2023-01-05
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. (MI)

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

Account Name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) # XXXX 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, 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 2022-11-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Winona Holdings, Inc. (CA)

XXXX XXXX  XXXX Left a voice message that it was urgent they speak to me. I called them on XX/XX/XXXX and they told me I had a debt of {$18.00} for a returned check payable to XXXX XXXX from XX/XX/XXXX. They gave ma their website info and a loginid and password. It showed an image of the supposedly returned check. It required payment of the {$18.00} " debt '' + a processing fee of {$16.00}. I called XXXX XXXX and they said they had no record that I owed them this amount or any amount, and also that they use a different company for debt collection. So this is a sham.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (AR)

I was contacted by a company named IQ Data for a " debt '' they say I owed them. I checked the Texas Collections database to see if they are registered to collect debt in the state of Texas and they are not. This company states I started out a balance of XXXX and now I owe them XXXX. This company is hurting my credit and they are saying I have to pay them. I sent them a cease and desist letter to remove the debt off from my credit. My current lease is coming to an end and with this on my credit we can not move anywhere. I have a XXXX old and we are basically going to be homeless due to this.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-03
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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2017-07-15
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: EQUIFAX, INC. (IL)

Sometime in mid-  XXXX   2017, I disputed an account for   XXXX   XXXX    that was listed on my Equifax Credit Report in the amount of {$1600.00}. The item was disputed and I later received confirmation through  XXXX , a credit monitoring service, that this item was removed from my Equifax Credit report. Sometime around   XXXX   XXXX  , 2017, the same item was attached back to my credit report without my receiving 5 days notice from Equifax ahead of placing the debt back on my credit report.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

I made a payment to my credit card company in full for all charges posted on my account in the amount of {$3300.00} on XX/XX/XXXX which is one day late. payment should have been made on XX/XX/XXXX. I called and spoke to a rep and was told that all fees would be waived. Leaving a annual renewal fee of XXXX left on the card. I had previously called and spoke to a rep stating that I did not want the card renewed due to me getting another Amex in my name. Apparently, there is no record of that so I told the rep that I would pay the annual fee on my next billing statement. When my next billing statement arrived, I paid the XXXX annual charge, as well as a future rental car charge of {$130.00}. In total I paid {$380.00}. Which should have brought my account to a XXXX balance. Instead, I had a {$79.00} balance left on my card. I have called Amex several times each time I was told that the {$79.00} charge was due to different reasons XXXX was a late charge on {$7.00} dollar balance ( Which if true would have only brought the charge to {$47.00} XXXX was that I didn't pay the rental car bill in full which I also showed was not true and 3 was oh it must have come from interest which was supposed to have been waived when I made my {$3300.00} payment. Moreover, I pay balances in full on this account monthly I don't carry interest on this card. Lastly while an investigation is being conducted the amount in dispute is supposed to be frozen but instead I am being hit with late charges on money I do not owe. I have gone over all my charges line by line with the representatives and the dispute department, and they acknowledge that I have paid every charge I have ever put on the card and not one of them can pinpoint what the {$79.00} charge stims from. I am at beyond frustrated at this point and actually lost my temper on the last call. You can look at every payment I have ever made with this company, and you will find that I have always paid for charges I make on this card. I refuse to pay money I do not owe.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

I have  disputed Santander wi th  XXXX  several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX    continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I b elieve Santander  is trying to re age the debt.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (RI)

I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus. Here are the companies and dates of occurrences : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" On behalf of myself, I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureau 's failure to respond to my letters. I have been trying to get in contact with ( put the bureau name here TRANSUNION .for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my letters.
Consumer complaint received 2023-01-05
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. (CO)

I disputed late payments that are showing on my XXXX account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I started a XXXX XXXX business and did my banking at Wells Fargo. I also had another XXXX for my property management company for two houses that I own and had a checking and savings account for my property management business. In addition, I had my personal checking and savings account at Wells Fargo. 

I had a signed contract to collect overdue business account and they wired the funds into my XXXX XXXX Account. After the funds were wired into my XXXX account, in early XXXX I had a meeting with a banker at Wells Fargo and asked them if the funds that were wired in were legitimate and the Banker told me yes and that I could withdrawal the funds or distribute them. 

My XXXX XXXX banking at Wells Fargo began on XX/XX/2022. In XXXX I received notice that they were freezing all my accounts, including both XXXX 's and my personal checking and business accounts. I had an appointment with my Banker at Wells Fargo, and she told me that the wired funds that went into my XXXX XXXX XXXX account was not authorized. I said I understood them freezing my XXXX XXXX XXXX account but that it was unlawful for them to freeze my XXXX  account for Property Management and my personal checking and savings account because XXXX 's are treated separately. They told me they could and would freeze all my accounts. It wasn't unitl the end of XXXX that they released the funds for my other accounts and sent me checks for the amount.