davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (IN)

On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (KY)

I placed an order from XXXX on XXXX for XXXX items in the amount of XXXX and utilized Affirm Inc services to pay for said order over a XXXX payment period. After XXXX missed their delivery time period and I contacted XXXX via their application to cancel the order witch they did promptly since the order was last located in XXXX GA at the time of cancelation. They should have informed Affirm that the order was cancelled and returned to the XXXX warehouse as undelivered and canceled by customer. Affirm proceeds to continually ask for payment on merchandise that was not received by me. On XXXX Affirm decided to charge off the account and sold the account to XXXX XXXX for collection purposes. I informed XXXX XXXX that XXXX cancelled the order and returned the order at my request since they did not deliver the order to me within the time frame specified by them. On XXXX I received their letter response and resuming collection efforts. I should not have to pay for merchandise that I didn't receive and canceled. Please intervene.
Consumer complaint received 2020-08-16
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. (OH)

THIS IS MY SECOND REQUEST FOR VERIFICATION OF ITEMS ON MY CREDIT REPORT. 
There are still items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 
1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-08-16
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. (GA)

I have advised TransUnion on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The following employer does not belong to me XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX   XXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, I have never paid the XXXX/XXXX ( XXXX ) late, the XXXX ( XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with XXXX XXXX Card Service on my Trans Union Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX  dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not XXXX XXXX Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to XXXX XXXX XXXX   in XX/XX/2018. 

The XXXX XXXX XXXX and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

There is inaccurate information on my credit reports with regard to my personal information : ADDRESSES that I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX   XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IA)

On XX/XX/2022 I purchased 2 suits on XXXX totaling {$470.00}. I subsequently returned both suits to XXXX because they did not fit. on XX/XX/2022 I was refunded for one suit totaling {$230.00} to my Dick 's Sporting Goods Credit Card. I call XXXX customer service let them know they had only refunded me for one suit even though I returned both suits. The agent I spoke with said he issued the remainder of the amount to be refunded and it would be credited to my Dicks credit card in 4-5 business days. The refund never came through so I filed a dispute with Dicks Credit card. XXXX then issued the refund on XX/XX/2022. The charge was later rebilled on XX/XX/2022. I call XXXX once again on XX/XX/2022 and the agent indicated that because they had already issued the refund and Dicks rebilled it that I now had to take it up with Dicks. That same day I called the customer service number on my Dicks statement and was rerouted 7 times by the agent I spoke with claiming it was the wrong number to address my issue. I was looped back to the same agent repeatedly who insisted that he was unable to help me. I still need to be refunded the remaining {$230.00} by Dicks Sporting Goods. 

I also paid my bill on time by XX/XX/2022 and have the confirmation email to prove it and it shows online that my bill hasn't been paid and is late.
Consumer complaint received 2022-11-05
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. (OH)

On XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead XXXX  XXXX wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to Transunion and XXXX  to reinvestigate the request.
Consumer complaint received 2020-08-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fidelity Properties Inc. (OH)

I was unaware of the debt and did not receive a notice and opportunity to dispute these accounts : FIDELITY PROPERTIES IN XXXX XXXX XXXX XXXX XXXX XXXX In addition, these accounts do not have LAST DATE OF ACTIVITY. Please remove from credit report.
Consumer complaint received 2020-08-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The balance on my car loan was financed. The balance was about {$5000.00}. I had been making auto payments of {$160.00} to pay off the balance. But in a review of my balance online, the balance is showing over {$8000.00}. This is illegal.
Consumer complaint received 2020-08-16
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. (OH)

I pulled my credit report and found accounts on there that do not belong to me. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

This was a secured credit card that works like a prepaid card using my own available money put on the card which is reflected on my credit report with Wells Fargo Card Service on my XXXX XXXX Credit Report as Loan Type : Secured Credit Card in the amount of {$300.00} ( XXXX XXXX dollars ). 
Could only used what I had put on the subject card with my own money as a secured credit card, not Wells Fargo Funds. 

There is an inaccurate/incorrect charged off {$2600.00} and high balance of {$3000.00}. The credit limit was just {$300.00}. There was no increased in limit and balance over stated. Was brought to their attention. But, neglected and never resolved as per Federal Truth in Billing Disclosures and Credit Reporting act based upon FTC guideline. 

The account was closed with no balance owed to Wells Fargo Bank in XX/XX/2018. 

The Wells Fargo bank and I agreed to terminate the relationship because the bank was involved in alleged collusion and bad faith banking practices that were not in full compliance. No statement was send to show an itemized history and reconciliation of activities as secured credit card by law.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have written letters through Federal Trade Commission due to identity theft, advises verbally that these accounts are result of ID theft and requested it be blocked and stop reporting. I have submitted disputes and provided my Drivers License and FTC REPORT # XXXX. This company continues to report these multiple accounts with the knowledge it is a violation of the federal law.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

I recently sold my house and, as a consequence, paid off my mortgage. I moved before the sale was final and updated my mailing address on my account profile on Truist 's website. However, this change apparently only applied to my checking account, not my mortgage account ( both of which I accessed through the same website where I changed my mailing address ). As a result, documents and my escrow refund check where sent to my old mailing address, which I no longer own much less live. There was no indication on their website that changes to your mailing address made online do not apply to your mortgage account.
Consumer complaint received 2022-11-02
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. (MO)

I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Closed accounts are still on report even though other credit bureaus claimed it was removed, such as lending XXXX, XXXX, XXXX XXXX, and car loans. Also investigations coming back with different responses.
Consumer complaint received 2024-04-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NC)

I have reached out to Nelnet several times to inform them that my student loan, that Nelnet no longer services, is still showing a loan balance on my credit report. This error is making my student loan balance appear on my credit report twice as if I owe double the amount. My new servicer XXXX has it reported correctly. Nelnet has repeatedly placed the blame on XXXX when they are the ones who have the loan reported incorrectly. They directed me to call XXXX and they will correct it. XXXX is blaming the error on Nelnet.
Consumer complaint received 2020-08-16
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. (CA)

I found items on my credit report that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 
XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MT)

i did not have this bill in my name for more than 2 months. i had called them and spoke tio them and they were very rude. they said my bill was {$1300.00} in XX/XX/2016 to XX/XX/2016. i also paid money upfront.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

On Thursday XX/XX/2022 we noticed that our account had been accessed by someone we do not know and did not authorize and we had XXXX dollars in our checking and savings account. Our account was accessed and {$2100.00} was transferred from our savings account into our checking account and a total of {$3300.00} was unauthorizedly spent from our account via 102 XXXX XXXX transactions. The transactions do not say where they went or how they were done. A call was placed to Wells Fargo fraud department immediately and we submitted a claim and had our online banking access suspended and our debit card cancelled. On that night we asked for our bank account to be closed which it was not we found out on XX/XX/XXXX when we physically went into the Wells Fargo branch. On XX/XX/XXXX our account was frozen. XX/XX/XXXX was a Friday and our check had been deposited via direct deposit, because of the unauthorized transactions I was only able to {$2800.00} of the {$3000.00} amount of the check we were supposed to get. On XX/XX/XXXX we received a check for {$3300.00} with a letter stating Wells Fargo is temporarily crediting us with the amount stolen from us. Every week since XX/XX/XXXX we have called to seek updates on our claim, we call multiple times a week and we receive the same answer, that our investigation is still pending. The most recent call to Wells Fargo was on XX/XX/XXXX. The money that was stolen from us was for our mortgage payment due XX/XX/XXXX and money in our savings for emergencies. This was our money that was stolen and Wells Fargo has not resolved our case approving our claim so therefore we can not guarantee that the money the temporarily credited is for us to use to pay bills.
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avadyne Health Holdings, Inc (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.