davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

I have a XXXX XXXX XXXX  account. I was given a piece of mail to an address thats not my address by someone I called the number on the letter and was told that this is a debt from XXXX. I have an easy pass account an active easy pass account and there is a charge of {$88.00} that this XXXX  XXXX agent is do they have XXXX addresses XXXX address is in XXXX and the other address is in XXXX. This is many violations XXXX among many violations of the Fdcpa when I contacted this collection agency I was told to send a letter yet they went through violation means of sending this wrong full bogus debt to an address so I dont live that ad again I have an active easy pass account. This should never have come to me. The actual balance was for XXXX dollar so its a easy pass account that was charge for a dollar but yet theyre charging for administrative fees, voluntary ambulance fees, violent crimes fee, civil penalty fees, and all things that do not exist. This is one among many violations, Consumer, violations, and Fdcpa violations.
Consumer complaint received 2022-12-12
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX 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 2022-12-12
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION has violated my Consumer Rights.

- 15 U.S. Code 1681a ( 4 ) : Consumer Right to Privacy -15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) : Obligations with respect to disclosures of personal information. I was not made aware of my right to OPT OUT of my information being shared.

- U.S. Code 1681b : Permissible Purpose of Consumer Reports -FDCPA 8012 : Furnishing Deceptive Forms : furnishing inaccurate inquiries and accounts
Consumer complaint received 2023-05-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to TransUnion to file a dispute on my credit report and I'm not happy with the investigation results because the negative information on the report still remained even though there is no proof that I opened the account. The following account is opened as a result of fraud and I'd like TransUnion to remove this account off my credit report : 1. XXXX XXXX I also would like to dispute the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (NV)

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER XXXX XXXXXXXX XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2023-05-04
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. (TX)

An Experian oversees worker who took my call around XXXX XXXX time working in the Fraud Department, XXXX XXXX  with XXXX accent was very rude and abusive to me. 

There is an address XXXX XXXX XXXX XXXX XXXX MD XXXX that just appeared on my account this month at the same time a number of fraudulent hard inquires showed up on my report. I do not have any recent association with the address and never lived there, It has been sold several times since I owned it and it was never my residence. It was used for a farm business. Business activity can not be reported on personal credit, so in any case it should be removed. 

Please see the attached police report about the address, These account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately. Delete in 5 days or pay XXXX for each violation penalty!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THESE INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been called multiple times from different phone numbers matching my area code, usually in the XXXX  hours ( after XXXX ). When I call back, I am told that it is Portfolio Recovery. I do not owe any debts, and if I did, I wish to be notified in writing. When I pick up the phone, there is no answer whatsoever, for around 30 seconds and then they hang up. I am only aware that this is Portfolio Recovery because when I call them back, it goes to an automated system saying their address and information. This seems like an automated robocall. I have been added to the Do Not Call list. Obviously, without a way to be taken off of the list since no representative ever answers, I can not do anything and the calls come at very inconvenient times.
Consumer complaint received 2024-03-20
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. (PA)

My name is XXXX XXXX. I recently reviewed my Transunion, XXXX and XXXX credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Consumer complaint received 2023-06-07
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC (GA)

XX/XX/2022 tell me why with online banks in this case XXXX you can not speak with a person on the phone you have to wait in a chat line for 30 min trying to get in touch with a person how is this ok when you are dealing with a person money. Money they work hard for and you can not even speak to a person on a phone. How is it that the government is allowing places like XXXX to even be in business. Then I go through the chat system after waiting and XXXX ends her chat with me and does nothing at all to even help. What happens if money is taken from a persons account and they need help they can't get it because you are unable to even speak with a person on the phone and have to wait for 53 people ahead of you to even get help then they just leave the chat when they feel like it. I am going to tell you customer service is the worst and when it comes to a bank this should not be aloud to happen.
Consumer complaint received 2020-12-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

I have learned that XXXX XXXXCarnegie Mortgage is negatively reporting a delinquency of my XX/XX/XXXX mortgage payment. Regrettably, this is absolutely false. 

First, XXXX XXXXCarnegie Mortgage was not the loan servicer effective XX/XX/XXXX, per Carnegie Mortgage 's own undated letter, attached. Per the letter, effective XX/XX/XXXX, the loan would be serviced by XXXX XXXX XXXX, and Carnegie Mortgage directed me to send all payments to XXXX XXXX XXXX beginning XX/XX/XXXX. 

Second, I paid my XX/XX/XXXX, payment to Carnegie Mortgage, check number XXXX, dated XX/XX/XXXX. That payment was timely received by Carnegie Mortgage and the payment cleared the bank it was drawn on, on XX/XX/XXXX. 

I paid my XX/XX/XXXX, payment to the new lender specified in Carnegie Mortgage 's letter. I.e., XXXX, on XX/XX/XXXX, check number XXXX, and that payment cleared the bank it was drawn on XX/XX/XXXX.
Consumer complaint received 2023-05-18
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: EQUIFAX, INC. (IL)

I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank Of America stole the content of my account on XX/XX/XXXX in the amount of XXXX. This account I opened 7 years earlier in my name for the use of paying my mothers bills as her conservator/guardian. BofA had no right to take the money to begin with but they have forced me to send in a death certificate etc. etc.. and I've done it all but they simply ignore me other than telling me to do things, which I've done all of what they've asked. At each step they ignore me and I have to call them again to restart the process. This appears to be a way to make money for the banks or maybe it's a prejudice thing where they are XXXX and I am XXXX and they are simply messing with me. Either way, they had no right to take the money to begin with and now they are only messing with me at every step.
Consumer complaint received 2023-05-18
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: CITIBANK, N.A. (CT)

A citicards card was added to my XXXX credit report : registered with Citibank in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with Citibank. I've never even been to XXXX XXXX. This card had debt and was reducing my credit score. Naturally, I filed a complaint through experian. Citibank XXXX XXXX responded with a letter XX/XX/2023, stating " We are unable to update the credit report as requested. To remove authorized users from credit reporting, the authorized user must be removed from the account. '' I tried to contact Citibank, but of course could not speak to any one about this account since, as it is not my account, I don't have the account details. I reached out to the branch, but to no avail : They never picked up the phone or responded to my letter. XXXX got back to me with a report, Numbered XXXX & XXXX XX/XX/2023 stating " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ''
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I was shopping at XXXX  clothing store. I got a discount that day if I got the company credit card. 
After having this account for only XXXX months they kept charging my account late fees. After calling Comenity Bank on XXXX separate occasions and customer service removed late fees. In fact the late charges were never removed. Instead they kept charging late fee on fees that were supposed to be removed. Please help solve this problem. 
I called Comenity Bank the last time XX/XX/2023 and closed my account with a XXXX balance. Comenity Bank called me XX/XX/XXXX about my account that I closed previously. They said I still have a balance Please stop these scammers and fraudulent charges.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My wife and I chose Wells Fargo because they were able to match a great rate to refinance my home mortgage. They are also the current holder of my home mortgage. Throughout the process, I was told repeatedly that the " Other Costs '' associated with my refinance would be waived ( {$0.00} ) because I am already a Wells Fargo customer. This gave them a significant edge over the other lender quotes I received. I received this correspondence multiple times throughout this refinance process ( XX/XX/XXXX, XX/XX/XXXX ). 

Well, it is now time to close ( XX/XX/XXXX ) and those fees are still there. I am now out an appraisal fee and 3 months of correspondence. I have made it known that I will not be going through with the refinance if those fees are included on my loan since the beginning, so this should not be a surprise to anyone I have talked to at Wells Fargo. I am receiving the response of " There is nothing we can do '', which is just not good enough for me. I should not be penalized for incorrect information. I will continue to go through the appropriate channels until I receive and adequate solution.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (NJ)

I was notified by my bank about a year ago about credit card fraud where the person used my XXXX  account and ordered various items on my debit card and/or through my mastercard. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??
Consumer complaint received 2022-11-07
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. (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 under15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records containing convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-12
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX. ) Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.