davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. (NJ)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX, XX/XX/2021.
Consumer complaint received 2021-06-28
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. (FL)

On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days 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 should 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 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (AZ)

On XXXX XX/XX/2021 my phone was stolen. I had several fraudulant transactions all of which have been resolved except for the transactions made through my Robinhood account. My XXXX XXXX credit cards were effected along with my XXXX Debt Card. All of which are now resolved. I have sent the company loads of evidence which clearly indicated the transactions are indeed fraud and get the same response over and over. The stress of the situation recently put me in the hospital and I have lost wages due to there negligence and attempting to scramble together evidence to preserve my credit score without having to pay these fraud charges like the company is requesting. I would like the following as resolution. Review the evidence attached and fix the problem. I would like my account with XXXX XXXX  to be closed and no further contact from this business ever again. The service and way they treat people is ridiculous. They also refuse to give me a physical address to send a demand letter to as I'm willing to go as far as presenting my evidence in small claims before a judge to let a true professional decide. I've been a XXXX  for 4 years and never seen a company with such a flawed fraud process.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (LA)

On two different occasions I sent letters to XXXX about my inquiries. I have not received a response from XXXX. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. XXXX XXXX. XXXX XXXX. TransUnion
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: eMoneyUSA Holdings, LLC (TX)

My father received a call from XXXX XXXX XXXX XXXX. He notified me, I called them back. I spoke to a Mr. XXXX who told me this was a payday type loan opened under my name for a company called E-Money. I asked for more information because I currently have a few other payday loans that have been opened using my name that aren't mine and I am working with my attorney for those. Mr. XXXX refused to give me any information if I didn't agree to pay it and said my wages were to be garnished immediately. I told him how could I pay anything I don't know about and explained this may be part of the other payday loans that are in my name fraudulently. I offered to have my attorney call. He reinforced that he would not be able to provide any information until I set up at least a payment plan. I refused and he hung up. A few minutes later, my daughter had a voicemail left on her phone from him that provided my private information such as date of birth and then said he would see me Friday. I have a copy of the voicemail he left on my daughter 's phone saved. This is threatening and scary. I am not aware of this account and just trying to get to the bottom of this. Calling my family including my daughter, and telling them my wages will be garnished and he will see me Friday is scary. My daughter is now convinced someone is actually coming to our house on Friday to do something to hurt me. It is just me and my two daughters that live here. I am in the middle of a messy divorce partially due to other accounts opened without my permission. This is unacceptable and not the experience I have had dealing with other collection agencies.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I made a purchase XX/XX/XXXX and did not receive a billing statement ( by mail or email ). I was told that I was enrolled in eBilling but I dont receive the bill. XXXX XX/XX/XXXX I made a purchase and after again not receiving a bill and XXXX coming to an end, I called over the weekend and the automated system said that a bill was mailed on XX/XX/XXXX a payment due XX/XX/XXXX. XX/XX/XXXX Comenity increased my min payment due by {$7.00} without notice and my account was set up with bill pay through my bank because at the time Comenity did not allow auto-pay. Because of the lack of notice I was charged late fees for being {$5.00} short on my payment. The website constantly experiencing issues and statement archives are not available as stated. Comenity is constantly changing its terms without notice ( and making false claims that it did without any evidence of notice ), and and not sending statements. Comenity unethical practices lead to increased fees to its customers.
Consumer complaint received 2021-06-28
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)

The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-06-27
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. (LA)

I am a Victim of Identity Theft and was advised by the Federal Trade Commission that I should file a report or complaint with the Consumer Financial Protection Bureau to resolve this matter and issue of fraudulent items reporting on my credit report.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC. (PA)

Account was opened with {$10000.00} us dollars and after the account had a debit of {$2000.00} us dollars the company closed my account without returning any proceeds from interest payments and without my approval. The company representative was very disrespectful and threatening towards me. Ultimately Causing my company to lose customers and revenue of {$50000.00} approximately and future contracts
Consumer complaint received 2023-01-13
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. (TX)

I sent out a letter on XXXX XXXX XXXX. My tracking number is XXXX to remove my personal information that i dont want on my credit report. According the Fair Credit Reporting Act 12 USC 1681, i have a right to privacy. Also, according to 15 USC 6802, no financial institution is suppose to share my information to a third party. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-06-28
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. (NV)

The following accounts that the 3 major credit reporting agencies are reporting has no factual relevance to me or my credit files. These accounts are fraudulent and has been mis reported on my file every since my identity has been compromised. I'm demanding that these accounts be removed immediately from my files. 

1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service (NY)

I log into to view my credit report monthly as I've been trying to keep up to date and ensure nothing goes wrong and especially since I've been a victim of identity theft several times in the past couple years, so I recently logged in today to view my XXXX  report and there I see a collection from Paul Michael Marketing for an account I wasn't aware of or made. I never received a call or even a letter basically any form of communication regarding this fraudulent account which was still regardless reported to the credit bureaus.
Consumer complaint received 2024-03-21
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. (FL)

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 has violated my rights. Or a list of inquiries : 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 2021-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-30
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. (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 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
Consumer complaint received 2021-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo sold my home even though they did not receive Possession of the home it was an FHA mortgage I was told in XXXX of this year by circuit court judge the District Court judge did not have bearing over the case it was illegal for them to sell the home due to the cares act and because they did not receive possession prior it was still a federally backed mortgage there is a PMI on the home which means they would get a double payment as well as what has happened at this point I am due to be out by the end of the month I am searching for an attorney to sue them
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC (CA)

On XX/XX/2021 I submitted a dispute to Early Warning Services , LLC I am contacting them because they are in violation of many banking regulations and Federal Credit Reporting Act consumer laws reporting on my report Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited I Am a federally protected CONSUMER! subsections ( a ) and ( B ) of 15usc 6802 prohibit the disclosure of my non public personal information without my consent! I would like all of accounts removed from my consumer report, I did not give any consent for the disclosure of this information! they are also in violation of multiple other laws within the usc and FCRA! Early warning services LLC did not respond within 30 days of my dispute either! no consent by definition is IDENTITY THEFT!
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

MCM ( Midland Credit Management ) received a settlement for account XXXX on XX/XX/XXXX. I was advised at the time it would be completely removed from my credit on XX/XX/XXXX. 

As of XX/XX/XXXX, it remains on my credit. I spoke with the bureaus on XX/XX/XXXX and they have not received a request for deletion at all.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My name is XXXX XXXX they did that to me when the pandemic started it took them months to pay me saying my file had a flag on it but couldn't find the reason why it said that and it took them months and months of me calling everyday on hold for hours for nothing and I still have two pages of payment claims I never received the money when I told them about it they went in and changed it to paid I t said I never got the payments they issued another card then they changed company 's for the pre paid company 's this started in XX/XX/2019 they gave me 8 payments again they started XXXX and not giving me the payments then I got hacked they stole theoney it was there then gone
Consumer complaint received 2021-06-28
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 35 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report. Its been over 35 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-21
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. (HI)

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.
Consumer complaint received 2021-06-28
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: TD BANK US HOLDING COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2023-03-14
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. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.