davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NJ)

In accordance with the Fair Credit Reporting Act, 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 2022-12-19
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my reportAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 

XXXX XXXX
Consumer complaint received 2022-09-29
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. (DE)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2020-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (NM)

I have requested access to my crypto.com account since XX/XX/2024, due to new verification phone number. All the verification methods they offer don't work. They continue to send apology emails and ask for verification data. This verification information has been provided multiple times, including copy of my driver license.
Consumer complaint received 2022-06-04
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. (GA)

XXXX XXXX has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a XXXX XXXX insurance services account and a credit card thats now on my Equifax credit report, XXXX XXXX open up checking savings accounts in XXXX aftet i came back ftom service and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by XXXX XXXX, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, XXXX XXXX is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of XXXX XXXX, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my Equifax credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now XXXX XXXX needs to settle and resolve this before I file this law suite against XXXX XXXX. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by XXXX XXXX XXXX XXXX,
Consumer complaint received 2022-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

We have been paying our mortgage a month in advance since XX/XX/XXXX. Received a letter from PennyMac, dated XXXX XXXX, XXXX, stating they would no longer accept our mortgage payment from our credit union and will not be sending ebill statements to our credit union. Our options, through PennyMac are to mail a check or money order, XXXX XXXXXXXX XXXX XXXX, OR BETTER YET, set up auto pay through THEIR website. We do NOT allow anyone to automatically WITHDRAW from our bank account! Mail system sucks here in XXXX and we have found another bank was sitting on our vehicle payments and not posting in a timely manner. We now drive to the bank and personally make the payments to end this process. We have been harassed by phone calls from Penny Mac to the extent that we have blocked their phone calls. Now we are getting harassed via emails on our phone. For example I have received 9 emails from XXXX XXXX XXXX this week alone. Our complaint is why this company DOES NOT comply as other companies do! It does not cost them to send ebills and receive payments ( with the proper acct information ) to/from our financial institution. This is a government backed loan.
Consumer complaint received 2022-06-04
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. (CA)

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 Section 604 A. Section 604 A. it also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

I have private loans in good standing with Navient that were obtained through XXXX XXXX XXXX as part of their high pressure sales tactics, misleading sales tactics, and deceitful practices and where my degree that was obtained with these funds, was eventually make null and void by the government roughly around 2015, when they closed XXXX. My federal loans are in process of being dismissed as part of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  involving XXXX XXXX XXXX and XXXX, and these private loans should be forgiven with them, as it is not my fault the government invalidated the degree the private loans were used to obtain. Since the government took my degree from me, the government needs to compensate me fairly by dismissing all costs related to that degree, and that included private loans disbursed to XXXX. These loans are an undue burden and act as a unfair punishment, as I continue to uphold my end of the agreement by making my payments faihtfully, but those on the other end, have not, by taking the degree obtained by the loans for those payments and making it worthless and no longer useful for improving my life circumstances and finances. While I agreed to these loans in order to obtain my degree, when I fulfilled my obligations to obtain that degree, later both XXXX and the US Government determined I should no longer have a valid degree, at took it away from me, through no fault of my own. I have been diligently making these private loan payments since, despite the extreme struggle to do so that they represent. Just as the government is supposed to fairly compensate you if they take your land, the government should also compensate those of us whose degree they invalidated and took away.

I've attached to this complaint a copy of my letter from the Dept of Education on my Federal loans being discharged due to the " XXXX XXXX XXXX '' lawsuit, for reference.
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I repeatedly received voice messages from people identified as employees of the Comenity Bank regarding debt collection. According to their voice messages, it is about debt owed by another person that I do not know anything about. Based on my phone records, the most recent calls/voicemails they made to my number are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. The calls were shown to made from XXXX and XXXX, but the call back numbers they gave are respectively XXXX and XXXX.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (GA)

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau Experian on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and XXXX XXXX XXXX and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. 

Accounts : XXXX XXXX  XXXX  {$60000.00} XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  {$540.00} Kind Regards XXXX XXXX
Consumer complaint received 2022-02-23
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. (NY)

XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Consumer complaint received 2019-07-16
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. (GA)

There is fraudulent student loans listed within my credit report that I'm not responsible for. Ive disputed these accounts more than once and they haven't been removed. The creditor will not send me written proof of these accounts. Please help me remove these fraudulent accounts with US DEPT OF EDUCATION and XXXX XXXX XXXX from credit report.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I mailed a check to my landlord around XX/XX/year>. It was for {$2100.00}. I have mailed her checks to the same address for 3 years. She did not receive it. I mailed it from my office. 
The postal worker picks up mail inside the office, not a mailbox. On XX/XX/year>, someone named XXXX XXXX altered the check and cashed it. He put XXXX XXXX XXXX on the check. It obviously wasn't the same ink or writing. I noticed the charge on my checking account XX/XX/year>. I immediately called Wells Fargo Bank and filed a fraud claim. I closed that checking account and opened a new one. I went into my Wells Fargo branch on XX/XX/year> to fill out and file a notarized affidavit. All they have done is turn it over to a collections agency. They said the collections agency will try to pull the funds once or twice but they couldn't tell me how often they try or when they try. The change on the check was so obvious and I am very disappointed that Wells Fargo isn't advocating to get my money back.
Consumer complaint received 2022-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VYSTAR CREDIT UNION (GA)

I recently had a car stolen from me via Theft-By-Deception. I was selling a XXXX XXXXXXXXXXXX XXXX and was contacted by someone saying they would send me the money for it. Knowing I wouldn't proceed without proof of money, we proceeded on a call with my bank ( VyStar Credit Union ) and I was told he was transferring money, and it would be in my account in the morning. The next morning the full {$49000.00} was in my account as AVAILABLE BALANCE. I was still weary, so I went to the bank branch and was told the money was " As good as cash '' and " No chance it could fall back on me ''. I was then informed that the bank automatically put the money toward the loan, and that it was paid off and the account closed so they could start the title process. I later received a letter from the bank stating that the loan was paid in FULL and they released their lien on the title. A few days later, the funds reversed, and i was negative the full amount in my account. After contacting VyStar i was told that the External Transfer that was stated on my account was actually a Check-By-Phone, that had NO hold on it, and immediately went into my account without being described as " Bank Funds '', and paid towards my loan by the bank. VyStar then re-instated the loan after a week and was immediately sent to collections as i was late because there was no loan account at that time. I am now out a XXXX XXXXXXXX XXXX and {$49000.00}. I have filed police reports, reported it stolen, attempted to file a claim through insurance, and pleaded with all involved parties to help me in some way. All parties involved don't care about the situation, place me at fault, and refuse to cover any amount of funds I've lost. 
Even though VyStar admitted they can't see if funds are checks or not, and admitted it is IMPOSSIBLE to verify checks with them, and insurance is claiming the vehicle is " Legally Sold '', therefore it can not be covered even though police confirmed all information from the buyer is false, and the vehicle is still registered in GA in my name. I am looking to go after the bank for denying the claim, and refusing to follow their policy. 

In the Attached police report there are some errors.

1. The title was never signed, for the bank still had it at the time of the theft.

2. I did NOT transfer the money received toward the loan account, VyStar credit union did the transfer of the money.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX of my checks have been stolen. This happened last XXXX. XXXX to my mortgage company and XXXX to my XXXX. They were clearly forged on the back but Truist let them clear and now I have lost close to {$3000.00} I have called Truist fraud many many times and I have physically been to the bank several times and they will not help. They keep telling me someone will call me but they never do. Truist should be investigating the account that the money went into but they are just giving me the run around.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Last Four of SSN # XXXX
Consumer complaint received 2022-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I attended XXXX university online They encourage you take out loans that you could get jobs once completing your degree. I have private loans and education loans for a XXXX  year degree I was told that i didnt qualify for student loan cancellation
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

reporting late payments on my consumer report. And by my understanding late payments are illegal 15 usc 1681A ( 2 ) ( b ) Definition, Rules of construction ( FCRA ) that late payment can not be reported on your consumer reports. Ive also talked to XXXX and they said that there isnt any that can be done.
Consumer complaint received 2022-06-04
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: WELLS FARGO & COMPANY (GA)

wells fargo has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a wells fargo insurance services account and a credit card thats now on my XXXX credit report, wells farco open up checking savings accounts in XXXX aftet i came back XXXX XXXX and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by wells fargo, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, wells fargo is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of wells fargo, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my XXXX credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now Wells Fargo needs to settle and resolve this before I file this law suite against Wells Fargo. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by Wells Fargo XXXX XXXX,
Consumer complaint received 2022-12-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Please be so kind and address this, as this mortgage company has a habit of trying to foreclose on properties that are not past due per my past emails and proof to your office last XXXX. I will submit the necessary documents to you to begin addressing this issue again. I made XXXX payments in XXXX for XXXX and XXXX. Said payments were for {$1900.00} withdrawn from my checking account on XX/XX/2022 and for {$1900.00} on XX/XX/2022. My XXXX time being a bit late. I contacted Carrington, regarding in advance. I had a minor set back due to unforeseen circumstances, but I am not late. This is in addition to said company reporting to the credit bureaus on the XXXX and XXXX of the XXXX. I also enclosed proof of XXXX payment. Law states that mortgage cant report until XXXX XXXX. Please be so kind and rectify this travesty of justice. This company has been fined by the CFPB for rogue practices and now I need your help again. They have several lawsuits against them for violation of RESPA, the Fair Credit Reporting Act and etc.. Payments have been misapplied apparently or not applied, as this is a tactic used by Carrington to foreclose. There are XXXX of complaints and numerous lawsuits against Carrington for their rogue practices and knack for trying to, illegally, foreclose on people 's homes illegally. This company needs to be shut down, as they are destroying people 's lives with their tactics. 

Below are a couple of the many links that reference the issues consumers have with Carrington 's illegal practices : XXXX XXXX XXXX XXXX XXXX XXXX