davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (LA)

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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/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 a account without my written instructions
Consumer complaint received 2022-04-18
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.SC 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 2022-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MI)

XXXX XXXX bike for full refund. 

XXXX issued refund to Affirm. 

Affirm loan shows paid off on Affirm app. 

Affirm refunded only some of the payments i made directly to my XXXX checking account. 

Still short over {$1100.00} on refund. 

Contacted Affirm to inquire and they - would not tell me how much more refund i would get - how much they refunded to date - said to wait 30 days for a check of unknown amount. 

I saw on XXXX that others have waited the 30 days only to be told to start a case and have waited months with no refund. Here is the thread : https : XXXX? utm_source=share & utm_medium=ios_app & utm_name=iossmf So basically Affirm is stealing peoples money and not releasing refunds. 

I tried calling Affirm and waited on hold for an agent for over 15 minutes and got disconnected.

I am currently on hold again for 10 minutes waiting to inquire for exact details on how much more refund, exactly when i will receive a check and where the check will be sent. 

I finally reached an agent and was told that because many of the payments were over 180 days old the agent had to calculate the refund by hand and start a case for investigation. 

This is criminal. They are intentionally holding the money until someone wastes hours of their life to get an agent to hand calculate refunds. 

No other financial institution operates like this. 

I am now waiting on hold for this process ( which i suspect is a process to try to have me disconnect from the call ) and have no confidence that I will receive a refund. 

I believe i made 20 payments on a zero interest loan of XXXX and received only XXXX payments refunded. So i am missing at least XXXX x XXXX = {$1100.00}
Consumer complaint received 2022-04-18
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. (LA)

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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/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 a account without my written instructions
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

Re : Validation Notice Ref : # XXXX {$980.00} Whereas 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, and ; Whereas there is no evidence of prior consent for this communication. 
Whereas there is no evidence of permission of a court of competent jurisdiction offered and can not be valid without verifiable proof that the alleged consumer is subject to such jurisdiction. 
Therefore a debt collector may not communication with an alleged consumer in connection with the collection of any debt and must cease desist this frivolous action by exclusion of all accounts. 
LVNV Funding and its fFailure to comply will result in a petition to launch an investigation into the deceptive business practices. I have given LVNV funding 30 days allotted by law to provide verifiable proof and they have yet to do so.
Consumer complaint received 2018-10-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

When I re-finance my house with another company, Wells Fargo over charged fees, interest and kept money from my scroll regarding insurance and taxes. I called Wells Fargo and the response I got was that any money due to me was going to be paid under their discretion and there was nothing I could do.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC (AR)

ONCE AGAIN HARVARD COLLECTIONS ARE COLLECTING DISCHARGED DEBT LISTED IN CASE XXXX DISCHARGED XX/XX/2018. STATE OF ILLINOIS IS ALSO COLLECTING ON BARRED ACCOUNTS WHERE THE S.O.L EXPIRED ON BACK TAXES. SEE ATTACHED .WE ARE NOW GOING TO FILE A CLASS ACTION EFFORT SOON!
Consumer complaint received 2023-10-19
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. (GA)

I have unauthorized accounts on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
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. (MO)

I am writing to dispute a hard inquiry listed on my credit report, which I believe to be unauthorized. The inquiry was made without my consent or knowledge, and I have no affiliation with the organization that initiated it.
Consumer complaint received 2022-04-18
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. (NV)

In accordance with the Fair Credit Reporting Act, my rights have been violated by 6 different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt.

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX XXXXXXXX Account # XXXX Amount- {$940.00} XXXXXXXX XXXX XXXXXXXX Account # XXXX Amount- {$1900.00} XXXX XXXX Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX  Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00}
Consumer complaint received 2022-04-18
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. (NV)

In accordance with the Fair Credit Reporting Act, my rights have been violated by 6 different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt.

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX XXXXXXXX Account # XXXX Amount- {$940.00} XXXX & XXXX Account # XXXX Amount- {$1900.00} XXXX XXXX Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00}
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (TX)

I previously filed a dispute with Experian regarding the XXXX XXXX Account XXXX negatively reporting to my Experian Credit File. In my dispute, I included court documents submitted by XXXX XXXX and ordered by the judge of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 
However, Experian failed to properly conduct an investigation into the validity of this debt. To truly investigate this dispute, they would have had to review the documents I supplied, which included a court order fully releasing me from all liability for this debt. So either they did investigate this debt and chose to violate court orders, or they failed to truly investigate this debt as legally required. In either scenario, Experian has violated my consumer rights and failed to comply with legal requirements. 

Experian 's response to my initial CFPB complaint failed to address any of the issues raised and failed to state what sort of investigation was undertaken or make mention of any of the provided court orders. 

The investigation also violated the allowed timeframe, taking almost 60 days. This is more than the allowed 30 days, and a further violation of consumer credit statutes and DTPA regulations.
Consumer complaint received 2022-04-18
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)

Dear Experian in reviewing my credit report from Experian, I found unauthorized account. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following accounts are unauthorized : 1. XXXX XXXX account number XXXX 2. XXXX XXXX account number XXXX 3. XXXX XXXX  account XXXX 4. XXXX. XXXX XXXX account number XXXX XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( 1 ) promptly delete
Consumer complaint received 2022-04-18
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. (AL)

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 XXXXXXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX 15 USC 1681 Section 604 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account written consent.
Consumer complaint received 2024-03-12
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. (TX)

AFTER REQUESTING DOCUMENTS TO SHOW PROOF THESE ACCOUNTS BELONG TO ME. THE COMPANIES DID NOT SHOW SUCH PROOF. THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED AND NOT SHOWING PROOF THESE ACCOUNTS BELONG TO ME.
Consumer complaint received 2022-04-18
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. (VA)

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 U.S.C 1681. 

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 XXXX XXXX XXXX XXXXXXXX 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 2022-04-18
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. (VA)

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (FL)

In the close of a mortgage through mutual of Omaha I agreed to consolidate some prior debt to help my future possibility to refinance by repairing my credit score. The money was transferred from mutual of Omaha to synergy one lending who would then pay me and send checks to a few creditors on a list that I compiled for them. However instead of distributing the checks directly to the creditors on the list they were sent to my home in form pay to the order of collections. I attempted to contact synergy one then and had no success so I reached out to my bank, XXXX XXXX  and asked if I could just deposit these checks into my account so I could just call the creditors and make the payments over the phone. XXXX XXXX told me to go ahead and deposit these checks then froze my account for 2 years until I filed a complaint here against them. Since that complaints closed, so did my account with XXXX XXXX along with {$3200.00} some which I was then told to contact their recovery department to recover these funds. I did that and was told that since the checks were not made payable to me that I would have to again contact synergy one to have them file a claim to recover the money and distribute the money. I have attempted to contact them both by phone and email and have yet again been unsuccessful. I don't care how this matter gets handled but I borrowed that money in question and pay an interest rate every month for it so I would love for that money to either be returned to me or be properly distributed to the creditors like it should have in the beginning of all this. This time if the results of me filing a complaint could result in an end to this nightmare rather then waste more of my time and causing the need for me to file another complaint against another company I would certainly appreciate it.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account is not reporting accurately on XXXX account XXXX and it is causing a hardship for me in getting our home. Initially, it was removed from my credit in XXXX of 2023 and all of a sudden they put it back on my credit. I contacted XXXX, XXXX, and Transunion to remove and there was no help or response.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (WA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
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. (WA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-18
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. (WA)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

XXXX the balance updated is XXXX XXXX XXXX the balance updated is XXXX XXXX. Equifax the balance updated is XXXX XXXX. These are inaccuracies. 

XXXX, XXXX and XXXX do not contain last payment date. These are inaccuracies. 

XXXX has account type as debt buyer. XXXX has account type as an open account. Equifax has account type as an open account. These are inaccuracies. 

XXXX has status as collection account. XXXX does not have anything listed for status. Equifax does not have anything listed for status. These are inaccuracies.
Consumer complaint received 2022-04-18
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. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified Inquiries listed below are still reporting on my credit report in violation of federal law. The 3Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : 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 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 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 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