davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2022 I paid off a charged-off account with XXXX XXXX XXXX 
XX/XX/2022 I received a letter from XXXX XXXX stating they issued a request to the three major credit consumer reporting agencies, XXXX, Equifax and XXXX to update the account as PAID-Charge-Off. 
Equifax updated the account AND opened an additional XXXX XXXX account causing a duplicate account to be reporting twice the negative. 
I have called XXXX XXXX twice, XXXX and XXXX and both times they have reviewed and stated that only one account with their company has been reported to the credit bureaus and theres nothing more they can do. 
XXXX I sent a registered letter along with supporting documents to Equifax requesting they fix the duplicate issue, they opened a dispute, completed the investigation on XXXX without a written explanation of the results. 
XXXX The duplicate account is still on my Equifax report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA (CO)

XXXX XXXX XXXX has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at 0 balance and that I should report XXXX XXXX XXXX to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I make daily principal payments on my mortgage. On Monday - Thursday I pay {$22.00} and Friday I pay {$66.00}. Per Federal Law principal payments must be applied with an effective date of the date received so that they are not illegally collecting interest on money that has not been earned. What Freedom Mortgage is doing is placing the daily payments into a non-interest-bearing suspense account and then applying the payments received at the end of the month. The entire point of paying extra principal on a daily basis is to avoid the " per diem '' interest costs. Every other bank has chosen to follow the law and apply for principal payments as directed per law. Freedom Mortgage is flat refusing to do so because they said that they will only apply extra principal payments to the balance due as of the date received only when made manually by their website. When any payments come in via XXXX, XXXX, or wire transfer they deliberately chose to apply the payments to the principal balance only monthly contrary to Federal law and regulation. They label the aggregated daily payments applied to my account monthly payments as " curtailment '' which is clearly fraudulent. They have been doing this since the mortgage was transferred to them for servicing.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (DE)

XXXX charged me twice for the same booking, once on XXXX on my XXXX card ( which I authorized ) and once on XXXX on my Discover card ( which I did not authorize ). The XXXX billing is handled through XXXX. XXXX only had my Discover card number from authorized charges several years priors. XXXX has been unable to credit the double-billed amount although they do not dispute that a credit is owed. They suggested that I contact Discover to get the credit, since I did not authorize the charge to Discover. Seems reasonable. 

I have been on 7 different phone calls with Discover, including the last one to XXXX in their XXXX XXXX XXXX group. The first person at Discover to whom I spoke instructed me to get the documentation from XXXX to show the duplicate charge. I have done that ( see attached ). I uploaded it to the Discover system that I was directed to use for this. Discover confirmed they have the documents. Still, they refuse to issue the credit. This is an unethical business practice. 

After spending several hours on the phone with various Discover reps, supervisors, managers, and two " advocates '', I got nowhere. So I emailed to the CEO of Discover and the EVP of Discover. Neither of them has responded to me. I can see that they received my emails because they are apparently delegating my emails to their XXXX XXXX XXXX group. But that is the group who is refusing to provide the credit I am owed. They also refuse to contact the merchant to confirm the facts. 

Here are the dates and people with whom I spoke. None would provide their last name : XX/XX/XXXX XXXX in Utah XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX ( XXXX XXXX XXXX in Delaware ) XXXX XXXX XXXX XXXX XXXX XXXX in Delaware ) I sent emails that went unanswered to : XXXX XXXX, Discover XXXX - XXXX XXXX XXXX, Discover XXXX XXXX - XXXX XXXX
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlantic Recovery Solutions LLC (CO)

Atlantic Revovery Solutions has repeatedly called my family members and harassed me over a debt that I do not owe. I contacted the original creditor in the situation and they said that none of my personal information I provided them matches what that had on file. They said I was most likely a victim of identity theft. They also said that the account was closed at XXXX balance and that I should report Atlantic Recovery Solutions to the credit bureau. I want to make sure moving forward that this account that was not mine isnt going to be tied to me. The original Account was created with a different drivers license than was mine, a different email, and phone number, and a different address.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

The issue that I'm having is that Chase is not in good faith processing a loan assumption request by my ex-partner and me ( XXXX XXXXXXXX XXXX formerly in an unregistered domestic partnership but never married ) ; instead, Chase is baselessly and improperly stonewalling us and procedurally dragging out the process in violation of federal anti-discrimination laws. 

My ex-partner and I ( XXXX XXXX who were in an unregistered domestic partnership of XXXX years but never married ) are joint borrowers on an assumable conventional mortgage originated by another lender in XXXX and subsequently purchased by Chase. The original loan amount was about {$480000.00}, and we had no trouble at all getting approval for this loan because we each make well over {$300000.00} per year, each have savings of XXXX XXXX XXXX XXXX and each have sterling credit. We have made all payments on time and in full, such that the current balance is about {$450000.00}. 

We separated amicably in the first half of XXXX and submitted a request to Chase, pursuant to the terms of the mortgage, for my ex-partner to assume sole responsibility for the loan and sole title to the property because he will continue living at the property in XXXX XXXX, while I live at my own property in XXXX. Chase, however, has not been processing our assumption request in good faith they have been procedurally stonewalling us for almost a year, requesting the same information over and over, even though we have provided every document and piece of information they have asked for. Chase has never raised any substantive concerns about our assumption request because they know they have no lawful grounds to deny it. My ex-partner is in excellent financial and employment position ( having been recently promoted to associate director of marketing at a public XXXXXXXX XXXX and now pending promotion to director ) and has a perfect history of on-time payments on this and all other accounts in his sterling credit history. If we had been married and divorced, Chase would no doubt have processed our assumption in accordance with the terms of the mortgage, but because we are XXXXXXXX XXXX who were in an unregistered domestic partnership, Chase is choosing not to process our assumption request in good faith and thus to violate state and federal anti-discrimination laws.
Consumer complaint received 2023-02-10
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. (NV)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX 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 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. They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

In the year of 2019 I took my sister to the hospital. I had no legal holds over her I was just the driver and I am being held for her medical bills that are not mine. The bills were sent to her parents address never giving me a chance to speak to the original creditor which is not fair.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax, is not acting in good faith and unfairly and inappropriately reporting me negatively on my credit report, for an account that was transferred out to   XXXX   in   XXXX   and they already deleted the tradline, but on the  XXXX  account it 's still showing being delinquent in  XXXX . When I reached out to Equifax they gave me the run around, although it 's clearly showing that the account is not accurately reporting,
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX 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
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NV)

I had a business account with American Express the account is only under my business and at no point did I file a personal guarantee. For the duration of the account it never appeared on my personal file at any time. I started having financial difficulties with the business and the credit card payments are now showing delinquent. Now they want to report a business account on my personal yet they NEVER REPORTED THE POSITIVE history at any point. I disputed with the bureaus to no avail, I also sent certified letters demanding they forward me the copy of the personal guarantee that would allow them to report on my personal file and they have not responded to either request.
Consumer complaint received 2022-11-13
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. (OR)

I am a natural person, I am a living XXXX XXXX. I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they have Violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion permission to furnish these accounts. Account # 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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my consumer report and I noticed some inaccurate information on my consumer file. As pursuant to 15 USC 1681e ( b ) consumer reporting agencies must prepare a report that is accurate to the max. They have been in violation to my consumer rights. On my Transunion file, I am seeing incorrect addresses that I have never lived. I want this to be removed immediately. 
see attached containing proof of identification and proof of residence. 
Remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reported XX/XX/XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Reported XX/XX/XXXX These are erroneous.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX 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
Consumer complaint received 2023-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my case # : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts were removed from XXXX but remain on XXXX and/or Transunion. 
Account XXXX : Removed from XXXX on or around XX/XX/2024 but remains on XXXX and Transunion. 
Account XXXX : Removed from XXXX and Transunion on or around XX/XX/2024 but remains on XXXX. 
Account XXXX : Removed from XXXX and Transunion on or around XX/XX/2024 but remains on XXXX. 
Account XXXX : Removed from XXXX but remains on XXXX and Transunion.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Hi there, The website asked me a couple of questions to get to this page and I dont know if I answered them properly, but I am trying to get in contact with somebody regarding the Wells Fargo lawsuit or class action lawsuit. Im not really sure what is going on with that but I saw there anyone with a Wells Fargo account from XXXX to XXXX was eligible to receive a pay out and I wanted further information on this. 
Thank you, XXXX
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I opened up a US Bank checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$3000.00} or more into the account within 60 days. On XX/XX/XXXX, I made XXXX direct deposits for a total of {$3000.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account. Also, my account was charged a {$2.00} fee for receiving my monthly statement which was also unclear to me upon signup.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (FL)

I am XXXX XXXX XXXX and I have send letter and wrote each credit company and also keep putting the fraud account since my husband death. I dont know where to do LVNV funding # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account never had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I tried a credit repair didnt do anything I can not afford I never lived in New York for some kind cable I dont want to file bankruptcy at all if these people dont listen
Consumer complaint received 2023-02-02
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. (AZ)

This is to Transition - XXXX - and - XXXX I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

to Transunion XXXX XXXX