davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is a response to the claim # XXXX XXXX, Transunion and XXXX has XXXX their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services.Constructive Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. XXXX responded stating that XXXX XXXX is not reporting which it is just in a closed status which means they failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation because XXXX XXXX was reporting under the Name Department of Education which they now have transferred my nonpublic Information the their parent company XXXX who is now committing the same violations. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these trade lines deleted from my consumer report.
Consumer complaint received 2020-04-15
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-15
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

This debt was sent to a collection agency before I could get it paid, I paid the Bill 's and I was informed that the collection agency would delete from my credit report. As of XX/XX/20 it has not been deleted.
Consumer complaint received 2020-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MI)

XX/XX/2019. {$1400.00}. Negligence of car repair services and cancelled check has prevented me from working and paying my rent and my water bill and my charge card. My employers check bounced due to insufficient funds. As a result, I have been losing my comfort zone and my prospects due to stressful environments.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Foursight Holding LLC (VA)

I was never notified about missed payments or anything involving my account then they came XX/XX/XXXX and repo my car. I havent had access to my email on file in months because its been hack and I been trying to restore it with no luck what can I do.
Consumer complaint received 2023-06-26
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: Upgrade, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX NJ XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2020-04-15
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. (AR)

PLEASE BE ADVISED THIS IS MY 2ND AND FINAL ATTEMPT IN TRYING TO RESOLVE THIS ISSUE. XXXX, XXXX, AND EXPERIAN WAS NOTIFIED OVER 30 DAYS AGO ABOUT THESE FRAUD RELATED ACCOUNTS DUE TO IDENTITY THEFT BUT YET HAS IGNORED MY DISPUTE. ACCOUNTS XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, WERE ALL INCLUDED ON MY MOST RECENT IDENTIITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION. ALL THREE OF THE MAJOR BUREAUS OR CONSUMER REPORTING AGENCIES HAS NEGLECTED THE FAIR CREDIT REPORTING ACT SECTIONS 605B, 609, AND 611. I HAVE NEVER RECEIVED ANY MONETARY RELIEF, MONEY, GOODS, OR SERVICES ASSOCIATED WITH THESE ACCOUNTS, I HAVE NO RECOLLECTION OR RECALL OPENING ANY OF THESE ACCOUNTS WHAT SO EVER. THESE ACCOUNTS HAVE BEEN THE DIRECT RESULT OF IDENTITY THEFT AND I HAVE BEEN A VICTIM. I HAVE ALSO INLCUDED FRAUDUELNT ADDRSSES THAT HAVE YET TO BE UPDATED OR REMOVED AS PER MY REQUEST 30 DAYS AGO. THIS IS A CLEAR VIOLATION OF THE LAW AND THE BUREAUS MUST BE HELD LIABLE.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (CA)

Upon receiving my credit report it shows XXXX XXXX did a hard inquiry on XX/XX/2019. I have never spoke to this entity or authorized any third party to consent to a credit check. My credit file at this time had a fraud alert and clearly has a notation I must be called to do a credit check. Per TILA the consumer must know what the loan details are prior to credit being obtained. At no point did I speak to anyone from this entity.
Consumer complaint received 2020-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

A XXXX auto loan was already on my Experian file as a derogatory mark for seven years. 
The auto loan account fell off my file several months ago once the seven year marked had been reached. Experian will not remove the account from my file as I had previously disputed the dollar amount.
Consumer complaint received 2024-04-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I had a 13 month CD with CIT Bank for {$140000.00}. On XX/XX/2024, I received the renewal rate which was .3 %. I called on XX/XX/2024 and requested to close the account as that was not an acceptable rate. They claimed that I was past my 10 day grace period for auto-renewing. 

I protested that I didn't know the new rate until 2 days before my call ( a Saturday ) and therefor could not make the decision whether to renew with them at that rate or not. They claim that that does not matter as I was past my grace period and I was informed about the renewal date, though not the renewal amount. 

They are charging a 6 month interest penalty as it was a 13 month CD that was renewing. All of my protests were met with their stating " It is in our disclosure statements ''. 

Is this is legal and within the banking rules? 

I look forward to your reply.
Consumer complaint received 2023-06-07
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (OR)

I'm writing on behalf of my friend she has a checking account with Wells Fargo and Wells Fargo received her deposit on XX/XX/2020 and conveniently wells Fargo deny any deposit was made and all the information the irs.gov has was current and updated and accurate. she only has a checking account. and they refuse to tell her if a pending deposit was made or in holding of XXXX better known as the economic impact corona virus stimulus money given by our government in order to stimulate the economy and to provide some help during this difficult time. However the only entity its stimulating is their greedy pockets and some thing needs to be done about it. On there recorded line they advise not to ask about and on there website they say don'task tellers any questions regarding pandemic money because they don't know anything and we don't have access to that information she's not even allowed to ask them what happened to the money because now they can't tell her anything about her deposit history. this is really bad and something needs to be done about it fast.
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

Paypal accused me that I owe them money from another Paypal Account that was opened fraudulently the negative balance was {$440.00} I'm a victim of Identity theft!!! I filed a Identity theft complaint to the Federal Trade Commision included is the fraudulent claim Paypal Account was opened in my name. I also contacted the Consumer Financial Protection Bureau about the Fraudulent account and how you withheld money from my account without my consent due to Identity theft. I forwarded all my documents to my lawyer, If the limitations and my money isn't released expeditiously I will sue PayPal and take Paypal to court. This is not a threat or intimidation tactic to gain access to my MONEY. Looking forward to hearing from you and this issue will be resolved without legal action!
Consumer complaint received 2020-04-15
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. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX/ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (CA)

I have had my {$430.00} auto loan payment with car max finance for 2 and 1/2 years and up to XX/XX/2020 I have been current with my payment. Due to coronavirus impacts I have been unable to work and have depleted my savings paying rent buying food and making my car payment so I have {$0.00} money left and since XXXX have fallen behind on my rent and car payment. I reached out to car max asking for some help letting then know I was unable to make my XXXX payment due to work problems related to covid 19 and if there was anyway to get some help or delay my payment. I spoke with a representative in XXXX asking for help and letting them know my finances and I was told due to no form of income they would bot help me ... .which makes zero sense because if i was able to find work why would I need help putting off the paymet? The people who need help are the ones being effected by the coronavirus and have lost jobs or are unable to find work due to the shutdown of the economy! It makes no sense that I can not get help because I have {$0.00} income at the moment but for the last 2 1/2 years been current with my payments! I need help so my car that ive worked so hard to pay on the loan for the last 2 1/2 years dose not get taken back with only a year and a half left of payments till I own it. Its sad that Car Max Finance cares so little about their paying customers that they are unwilling to help put off payments in this troubled time!
Consumer complaint received 2020-06-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (LA)

I spoke to a representative from Fedloan Servicing in reference to the accuracy of missed payments. XXXX  showed XX/XX/2017 and XXXX  showed XX/XX/2017. The representative advised me on the phone that they processed a deferment/forbearance XX/XX/2017. She sent me a direct dispute form and I submitted it. Now XXXX  shows a missed payment for XX/XX/2017 and XXXX  XX/XX/2017. If the payments were postponed XX/XX/2017 there should be no missed payment for XX/XX/2017.
Consumer complaint received 2020-04-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. ()

In XXXX XXXX i did a money transfer to XXXX from my debit card account. " Remitly '' this is the name of instituition, said my transfer was denied from my bank but they charged {$480.00} in the same day. The transaction was denied but i didnt receive my money back
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

I DEPOSIT A CHECK FOR A FRIEND AND GOT CASH. THE CHECK WAS WAS ALTERED/FICTITIOUS. I TRIED TO CONTACT THE FRIEND BUT HE NEVER ANSWERED THE PHONE NOW I HAVE TO PAY HE NEGATIVE BALANCE.I KNOW THE FRIEND FOR ABOUT A YEAR. THAT IS THE REASON THAT I HELPED HIM. I LEVE IN XXXX BUT I DONT KNOW THE ADDRESS.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (TX)

Barclay 's bank reported to the credit agencies a delinquent account after failing to send me a bill or any balance owed notices for the amount of {$6.00} which lowered my credit score by nearly 100 points and will negatively impact my credit score for 7 years. I received a letter from Barclays 's informing me that I needed to use the card in 90 days or they would cancel my card and close my account. I used it for a purchase of {$6.00} and never received any notifications about a balance. I only noticed once my credit report alerted me to the score drop. I spoke to a rep who suggested to write a letter to their credit reporting dept. I received a letter rejecting any wrong doing and refusing any good will adjustments. I think this is a type of abuse because I was sent a letter telling me to use the card in 90 days or they would close/cancel my account, they sent no notifications about the balance owed, no mail nor electronic notifications nor smart phone app notifications. Then had my credit lowered by 100 points for what was only {$6.00}. This is too severe for that amount.
Consumer complaint received 2020-04-15
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX, ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX