davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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: 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. 

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 an 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 a reasonable cause to believe that the information is inaccurate.

These inaccuracies are causing me hardship to get a new car for my family.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

On XX/XX/2022 I reached out to Mohela to get a refund of the payments I made during the Covid student loan payment pause. At the time of my payments my account was with XXXX, however the loan has since been transferred to Mohela. Unfortunately I do not have documentation of each payment now that I can no longer access it on the XXXX website, but the total is over {$4000.00}. Upon my first call Mohela gave me a figure that matched my own calculations. Mohela originally quoted that I would receive the refund in 4-6 weeks. When that didnt happen I called back and was quoted 90 days. When that didnt happen I called again and was told there were no updates or an approximate timeline. When I called today the call was immediately disconnected ( 5 times ) after I stated the purpose of my call. I have never been contacted by Mohela in regards to this issue.
Consumer complaint received 2020-07-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. ()

On XX/XX/XXXX, I sent a remittance of {$300.00} to my fiances uncle in the XXXX to forward to my fiance, who is currently working in XXXX. My fiances name is XXXX XXXX, and the uncles name is XXXX XXXX XXXX XXXX. On my receipt from World Remit, it states that the funds wouldnt be available until XX/XX/XXXX. When I inquired about this to World, I was told that it was sent and received by XXXX XXXX  on the XXXX. The amount was sent to his bank account at XXXX. This money was sent to help pay my fiances rent was actually due on the XXXX, but i had to send another XXXX because her landlord required it and the balance on the XXXX. I talked to World on the night of the XXXX upon getting off work. They instructed me that I needed to get a bank statement from his account showing that it was never received, and both of us have a copy of that statement. World also requested a proof of deposit from XXXX while I was still on the phone. XXXX since has sent that to them. I keep getting the run around from these 2 companies. World says it sent, and XXXX says it's deposited, however it has never showed up in his account.
Consumer complaint received 2023-08-22
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. (TX)

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report and would like them to be removed immediately. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )  I have not initiated any transaction with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX, TX XXXX Best regards, XXXX XXXX
Consumer complaint received 2023-05-11
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. (MS)

There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX and XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.
Consumer complaint received 2023-08-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I closed a savings account at PNC bank. I asked for closing account disclosures. I was told PNC Bank does not offer account closing paperwork by two employees. I then called a week later and asked the branch banker that closed my account for my account closing disclosures and told they would be mailed to me. It is over a week now and no closing disclosure paperwork. UMM Excuse Me I worked at PNC Bank for 14 months there is closing account disclosure paperwork. I was told by law I am to give to all customers even if they do not want them, I have to offer to give them to the customers. This is a violation and just lazy employees. I Want My Paperwork!
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

I filed a Identity theft report and sent it to company and XXXX credit bureau. ACCT. # XXXX. AMOUNT IS FOR {$1100.00} from XXXX XXXX being collected by Credence Reasource Mgt.
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (AZ)

On XX/XX/XXXX, I received a letter from Dovenmuehle Mortgage informing me that I am owed funds related to a previous mortgage from XXXX. Despite holding my money for XXXX years, they are now delaying the payment. 

The letter instructed me to submit a signed response in order to claim the funds, or else the money would be sent to the state as unclaimed property. I promptly complied, sending my response via both fax and postal mail, as requested. Despite following their instructions, Dovenmuehle Mortgage is now refusing to pay me the amount owed. 

Throughout my mortgage, I was required to make timely payments, yet they are XXXX years late in returning my funds. I believe this is unacceptable, and I request assistance to resolve this matter and receive the payment that is rightfully owed to me. 

Thank you for your attention to this issue.
Consumer complaint received 2022-12-24
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: EQUIFAX, INC. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the validity and accuracy of a collection account reported by XXXX XXXX XXXX on my credit report. I have noticed that this collection account is associated with my name, but I have valid reasons to believe that it is inaccurate and does not correspond to any debts or obligations that I am responsible for. Upon reviewing my credit report, I found the presence of this collection account, despite having no knowledge or records of any outstanding debt owed to the creditor listed. This discrepancy is deeply concerning as it could have negative implications for my financial well-being and creditworthiness. I am formally requesting that XXXX XXXX XXXX conduct a thorough investigation into the validity and accuracy of this collection account. I kindly ask for the provision of documentation and evidence substantiating the legitimacy of this debt, including the original creditor 's agreement, a detailed account statement, and any other pertinent information. It is my expectation that this matter will be approached diligently and impartially.
Consumer complaint received 2024-03-28
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)

I urge you to dispute a hard inquiry listed on my credit report that I believe to be unauthorized. I have not applied for any credit, loans, or services from those creditors on the aforementioned date, nor have I authorized anyone else to do so on my behalf. This inquiry was made without my consent.
Consumer complaint received 2024-09-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

This account is reporting incorrectly. It is not past due and is current. XXXX just changed my status to past due falsely claiming I have missed a payment and have a past due balance and that is inaccurate. It has caused my score to decrease drastically. Update account ASAP and remove the late payment. Ive only had one late payment for them since XX/XX/year>. Every other payment has been current since.
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

The website is down. It's XX/XX/XXXX, the payment is due XX/XX/XXXX, I'm assuming that every customer shares the same due date and Comenity does this on purpose. Every month, I have trouble logging onto the website when the payment is due.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (NV)

My XXXX  purchased a vanilla gift card from XXXX for {$500.00} for my birthday he paid cash. When I went to use the card, it would not work when I called the card services, they said it was not activated and they would have to send me a new card. When I did not receive a new card, I called back, and they requested a copy of the receipt. This was after I had already waited 30 days, I immediately contacted XXXX corporate, and they provided me with the receipt which I sent to Vanilla customer service, and they said they would investigate, and it would be another 30 days. I called every week to check on the progress and was told the same thing over and over they were investigating the card. The problem is the card was paid for in cash, so we have no recourse which is wrong. We contacted XXXX corporate, and they said we had to fight this out with Vanilla, but we paid XXXX the {$500.00} for the gift card. The card was purchased on XXXX and it is now XX/XX/year>, and no replacement card has ever been sent. I can not get my {$500.00} back from vanilla or XXXX.
Consumer complaint received 2023-06-20
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. (OH)

My personal information was stolen in XXXX  since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Reported BALANCE {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported BALANCE {$140.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED BALANCE {$630.00} : XXXX XXXXXXXX XXXX XXXX XXXX  REPORTED BALANCE {$170.00} : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX XXXX BANK ( BANK ) INQUIRY : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRY : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX INQUIRY : XX/XX/XXXX XXXX XXXX INQUIRY : XX/XX/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 XXXX
Consumer complaint received 2023-06-20
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. (OH)

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX reported balance {$400.00} : XX/XX/XXXX {$400.00} : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Aldous & Associates, PLLC (CT)

Ive been getting harassed for quite some time Im getting told Im going to get sued/ arrested for something I didnt even do I even contacted a buddy who works in that company he says that what the job is doing is 100 % wrong
Consumer complaint received 2022-12-24
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. (NV)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-05-31
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. (FL)

XXXX XXXX Hard Inquiry Removal Request There are a couple of inquiries made by XXXX  XXXX  that should be counted once, Therefore XXXX of the XXXX of the same inquiries should be removed from my credit report. The Law clearly states that : *_Multiple inquiries of the same type and made within a short period of time may only be counted once. ( Please see above ) If Companies can place ONLINE anything they want in Peoples Credit File without verification, subsequently and fairly the owner of such Credit File should be able to do the same and use ONLINE services to dispute these Companies ' claims. 

_ TransUnion DENIED me the right to dispute a Hard inquiry by XXXX XXXX from XXXX services ( Please see above )
Consumer complaint received 2023-05-31
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. (NY)

XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore Transunion should also have that. Now I am filing this complaint so that I can get a faster solution to this problem
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MD)

I received a notification that a collection was added to my credit report on XX/XX/2023 from ERC. I called XXXX and spoke to a representative. I told them I had no knowledge of the account and the account fraudulently opened and I never authorized anyone to use my information to open the account. I told him I was a victim of identity theft and I could forward them my Identity Theft Report from the FTC. I was given and email address to send my report which I did but was told it was take 30 days to be removed from XXXX, XXXX and XXXX but I want it deleted immediately! Incorrect information is being reported and the creditor has already violated code 15 USC 1692g sec. 809 ( b ) of the FDCPA.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I had a Mortgage with Wells Fargo Bank. I sold the house. the Mortgage was pay off on XX/XX/2023. Wells Fargo is reporting me late for the month of XXXX even though the mortgage was paid off. I spoke to Fells Fargo, initially the thirty day was removed. The late reappeared in the month of XXXX. I spoke with a Wells Fargo representative and the late was removed. My credit report is still stating Delinquency first reported XX/XX/2023, which is incorrect because the loan was paid off XX/XX/2023. This remark is preventing me from being approved for my new loan for my new loan for my new house.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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.

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.