davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and XXXX Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires 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 Accounts Dept of Ed XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX  Bankruptcy # XXXX XXXXXXXX XXXX  Account # with held for XXXX accounts totaling {$84000.00} 15 USC 1681 section 602 A states I have a right to privacy .

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2024-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I was the victim of identity theft I sent the original creditor all the information. They charged off the debt. Now the collection company refuses to listen after numerous attempts asking for validation. They finally sent me something on XX/XX/XXXX. It was a statement of a bill. Not validation according to the FCRA LAWS i have the right to ask for all this. Including original contract, proof they purchased the debt from original creditor and they have the right to try and collect, payment history to see whats been paid or not been paid they failed to provide all this information. They also are adding another collection on my credit profile from the same company but never sent me a notice for that one they just put in on my credit. Also in violation. I have 30 days to respond never got that opportunity again thats included it police report same company. And again original creditor charged it off
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NE)

A collection was posted on my credit report that is for an account that is not mine. The collection is for {$95.00} from XXXX XXXX. I have never had an account with XXXX at my current address, the account was my fathers, XXXX XXXX. I contacted the collection agency and they told me that my social security number was associated with the account, but that is not possible. The account is even under my fathers name. I want to have the negative information removed from my credit report Immediately. I am buying a home in the very near future and if this information negatively effects my ability to purchase a home, I will be seeking Financial restitution.
Consumer complaint received 2023-05-21
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: Affirm Holdings, Inc (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act AFFIRM INC XXXX, 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 can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-07-26
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I was charged by a vendor XXXX dollars for a purchase I did not make and XXXX XXXX XXXX  refuses to dispute the charge. They say its a scam and not a fraudulent charge.
Consumer complaint received 2023-07-03
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. (FL)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I received a letter dated XX/XX/2024 - that my loans were IN forbearance, my payment would be {$0.00}, and that no interest would accrue while in forbearance. Since date of receipt of this letter, my account has in fact, been made for {$0.00} payment, but interest is still accruing. When I called today ( XXXX ) I spoke with XXXX and XXXX ( they would not provide last names ) about the verbiage used in the letter. XXXX explained that the {$0.00} payment, and {$0.00} interest would not go into effect until XX/XX/XXXX, however, the verbiage used in the letter indicates the account is currently in forbearance. NO where in the document does the date XX/XX/2024 show up. How would one know this would not go into effect then? when I spoke with XXXX, she also agreed the verbiage is misleading and that the date XX/XX/2024 is no where in the document. For anyone who diligently watches their loan, this could be incredibly misleading/false information provided.
Consumer complaint received 2023-02-26
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. (VA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX, I was looking to refinance my house with XXXX XXXX. They told me I owed {$30000.00} more than I had told them I owed. Bank of America had added {$30000.00} in legal fees to my loan. I had been previously sued by an adjacent property owner because they wanted to use my driveway to access their property. They lost. My mortgage deed does state that the bank is allowed to charge " reasonable " attorney fees ( in a situation like this ) if it has the potential to seriously negatively affect the value of the property. The fees were not reasonable, and there was never a threat to the value of my property. I have an appraisal stating this fact. I retained an attorney once I learned all this, to sue the bank for the {$30000.00}. My attorneys fees ended up being {$30000.00}. The bank has agreed to remove {$30000.00} from my mortgage, and give me {$5000.00}, but they have done neither, and I don't have access to my mortgage account that I pay faithfully every month. So, I ended up paying the money I would have paid to the bank to an attorney instead, and still don't have the {$5000.00} ( that my attorney said the bank agreed to ), or access to my account. And I wouldn't have even known the {$30000.00} was added had I not applied to refinance my house.
Consumer complaint received 2024-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I hope this letter finds you well. I am writing to you regarding the account that appears on my credit reports. The details of the account in question are as follows : Account Name : RESURGENT/LVNV FUNDING Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$270.00} past due as of XX/XX/XXXX. 
Balance : {$270.00} XXXX XXXX : XXXX XXXX
Consumer complaint received 2022-12-27
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)

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 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Chime Financial Inc (GA)

I have a prepaid credit card from Chime. I purchased a subscription for XXXX on the XXXX of XXXX, by mistake with my XXXX  XXXX. So I immediately called XXXX for a refund, and they in turn immediately refunded it back to my card. During this process, Chime decided to put my prepaid debit card ( which only lets you spend the amount you put on the card ) in a XXXX balance. Leaving my overall account negative ( which is not possible to do with a prepaid card ). I called to tell them of the mistake, I was belittled, told that my money was posted to my account and that it was nothing else needed to be done cause apple was still processing the refund. Weeks after not seeing the refund post, I called again to ask them " Why hadn't my refund been posted to my account? ", I was told that 1st it had been posted and I had received my money. After I assured him I did not receive my money and the amount that they had posted only fixed the negative balance that was on there ( that shouldn't have been ). They told me this like 15 times without even trying to comprehend anything I was saying. They then lied to me and told me it was because XXXX tried to take the money 2 times. So I get off the phone, call apple and confirm, the very sweet lady I spoke with confirms with me that they did not charge me twice and that the mess-up is on chimes end. So I was blatantly lied to, all because someone messed up and didn't want to fix the problem. The guy XXXX I spoke to was very nonchalant and showed no concern or care for my issue. I know it's only XXXX but I need every penny I get. I am a college student living on my own with court issues, illnesses, and other obligations I have to attend to. So I'm here begging you to please help me get justice in this matter. I work very hard for every penny I earn and I need my money back as Chime will not even listen to fix the problem. Thank you in advance. 

With XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (IL)

I have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the XXXX other bureaus. XXXX refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from XXXX doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to my credit report.
Consumer complaint received 2022-09-03
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. (OH)

I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.
Consumer complaint received 2023-06-14
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against you.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX
Consumer complaint received 2017-07-18
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: EQUIFAX, INC. (TN)

I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.  XXXX  took care of the situation immediately. However, Equifax and   XXXX   has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.
Consumer complaint received 2024-06-14
Product: Credit 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: WELLS FARGO & COMPANY (SC)

Wells Fargo is forcing me to keep a {$440.00}. Purchase of a product that. Was suppose to fit my XXXX XXXX and the product purchased does not even fit my car its the wrong item its not what I purchased after I disputed with Wells Fargo one of Wells Fargo dispute team members inform me to contact XXXX and try to return the item I tried XXXX told me because I disputed with the bank its out of there hands first off it has a year warranty number 1 number 2 there not letting me return it and the company I purchased it from is ignoring me there no way legally you can force me to keep a purchase that is not what I ordered I did what Wells Fargo ask I tried to return there not excepting it I provided documents of me trying to get a return
Consumer complaint received 2022-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Carrington Mortgage is not allowing me to make a {$35000.00} payment on my loan. They declined my payment about XX/XX/XXXX. They say I can not make any payments until I am out of default, and pay them an unknown amount of extra money, to pay for things while I am in default. I was in the federal forbearance program from about XXXX of XXXX until XX/XX/XXXX of this year, XXXX. 

There is no way I can be in default at this time because 90 days has not passed since XX/XX/XXXX. Being how I am not in default when Carrington says I am in default, could you advise Carrington to let me make a payment in accordance with our contract. Until I am allowed to made a payment Carrington is violating the law. Legally, Carrington is currently in breach of our contract buy not allowing me to make a payment.

I understand under current law, I can not ask the Court to dismiss my default until carrington files court papers giving me a case number. I want it on record that until I am allowed to make a payment, carrington is in breach of our contract.