davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 2nd time that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

XXXX XXXX XXXX XXXX Open Date : XXXXXXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-29
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: WAKEFIELD & ASSOCIATES, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-08-05
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$3900.00}
Consumer complaint received 2024-05-19
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. (FL)

In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX XXXX XXXX  XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : 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 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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2020-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CO)

I've had both my XXXX and PayPal accounts for over 10 years. I sold 2 items on XXXX  which were both successful, no issues with either buyer. This was my first time selling anything on XXXX. I received confirmation that the funds were received from the buyers on XXXX and XXXX. My email address ( XXXX ) which was used in the XXXX transaction wasn't associated with my PayPal account. I figured this out through conversations with XXXX  when I wasn't seeing the funds in my PayPal account ( XXXX ). XXXX was very helpful and I have no complaint with them. I followed the steps to add that email address to my PayPal account and was able to see the transactions and pending funds. The funds were still on hold so I waited. On XXXX I received an email from PayPal indicating that I can no longer do business with PayPal and that the funds in my account would be held for 180 days. On XXXX I called PayPal to get more information but through the automated process the response what that my account was limited and they weren't able to help me over the phone. My only option was to reach out through the message center, so I did that same day. I asked for an explanation for why my account was limited. I received a response on XXXX that said " due to the excessive risk involved, we would like to begin parting ways ... ''. This doesn't provide any details as to why this decision was made. I would just like to know what flagged my account as risky so I can clarify anything that occured because nothing about my activity is risky.
Consumer complaint received 2020-08-05
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX   XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$3900.00}
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

The consumer reporting information that LexisNexis shared with my insurance underwriter is incorrect. They have listed false information for example number of accounts 30 days past due, the number of open bank accounts, number accounts. I am trying to contact them to dispute but they offer no customer service. No way to get this matter fixed.
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/ ) 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 2022-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Constar Financial Services, LLC (CA)

I received a letter on XX/XX/2022 to pay a collection from Constar Financial, in the amount of XXXX. I didn't recognize the debt so I sent a letter of validation letter on XX/XX/2022 via certified mail. I received validation of debt letter back from Constar on XX/XX/2022 saying that I personally owe them money for a vehicle that is in a business entity, the sales contract with the dealership doesn't have my name on any of the paperwork as this being personally guaranteed by me or that I was listed as a co buyer of this vehicle. This vehicle was purchased in the name of the company using the companies credit.
Consumer complaint received 2020-08-05
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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.

US DEPT ED # 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.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (NY)

When I opened my care free checking account, I was NOT told there was a different routing number for online only. I went back to the bank in XXXX and retrieved from the teller, the routing number I needed to have for online banking. I used my direct deposit routing number for my rent but was the wrong one, unbeknownst to me. The automatic rent take out never posted and was declined by the rent company so it left me with owing for XXXX, XXXX {$600.00}. I cancelled the automatic which I am paying in partial payments to the property management. The routing number for online banking, which was given to me from the teller is : XXXXXXXX  My direct deposit is different and everything is okay for that. 
My checking account number is XXXX XXXX XXXX XXXX The teller suggested XXXX XXXX was distracted at the time. That was the teller 's excuse. 
The state I thought was a state bank but it is federal and was directed to contact you. 
I have, in my email, the state is forwarding my complaint to you.
Consumer complaint received 2020-08-05
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX XXXX {$400.00} XXXX/XXXX XXXX {$640.00} DPT EDXXXX XXXX {$7300.00} DPT EDXXXX XXXX {$3500.00} DPT EDXXXX XXXX {$3400.00} DPTED /XXXX XXXX {$1700.00}
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

We missed a monthly payment, which started a cascade of late fees with the lender. We have attempted to set up autopay feature, which was not set up correctly, which resulted in an NSF fee for insufficient funds. 

I became aware of the late fees on XX/XX/20, and called Mr Cooper on that day. I spoke to XXXX, and he agreed to remove one of the late fees. On the same day, I attempted to set up autopay feature. While setting it up, I notice a couple of things : 1. There is no way to verify or confirm the configuration to see if it is correct.

2. There is no way to review the configuration to see how it is set up.

3. There is no documentation that describes how to set up the autopay feature.

Two weeks later, on XX/XX/20, I noticed that the payment to Mr Cooper was reversed, and I was charged {$15.00} NSF fee. I called up Mr. Cooper, and spoke to XXXX about this. She was unable to waive the remaining late fee, or the NSF fee. I am filing the complaint because I believe that the NSF fee is unfair, and the Mr. Cooper website lacks needed support to help the customers to set up the autopay feature. 

As a result, the autopay feature has the potential of gauging the customer who doesn't know how to set it up. I believe that Mr. Cooper needs to take further steps to protect its customers against unfair charges.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MN)

Over the last one month, I'm trying to connect Experian using their support number and the IVR system they have in place never redirect to human for Login Help. It simply kept telling use login help on the website. Below is the message I'm seeing when im trying to answer security questions unfortunately no human to answer and also no email is available. 

Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX   to XXXX XXXX PT Sat - Sun : XXXX XXXX to XXXX XXXX PT
Consumer complaint received 2020-08-05
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: CBC Companies, Inc. (OH)

I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX,
Consumer complaint received 2020-08-05
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. (OH)

I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX # XXXX,
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

USAA closed my account on the week Of payday. But they did put my account back in normal status then put it back in credits only status. I received a call from XXXX in the office of the president at USAA telling me they she would expedite my money to me this week. She asked me if I would be willing to pay the negative balance. I told her I was already going to do that when I got paid. But they but my account back in credit status and refused to let me transfer to take care of it.
Consumer complaint received 2020-08-05
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. (TX)

XXXX XXXX, XXXXXXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXXXXXX Account was removed but Experian unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. Experian claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I sold the house, so the loan was paid off. Both the mortgage company and the title company paid taxes due. So, they were double paid. XXXX XXXX has confirmed that the title company 's funds were applied, and the payment from the mortgage company was rejected. The mortgage company is refusing to refund me those funds saying they gave it to XXXX XXXX. I have sent proof from XXXX XXXX that it was paid by the title company. Mortgage company tax department basically said tough luck. The loan was paid in full XX/XX/2022 XXXX