davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (CA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-17
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. (NY)

XXXX, Transunio, and XXXX  have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.
Consumer complaint received 2018-03-06
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. (TX)

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my XXXX  business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , XXXX XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I have been a with NISSAN ACCEPTANCE CO customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2020-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have an account with Chase so is my son.My son has overdraft fees and Chase decided to take my money and pay for my son account. I have called them and they refused to correct this mistake. I do not owe Chase and yet they do not have any right on my money. I have budget and because of what they are doing I am falling behind on paying my bills
Consumer complaint received 2023-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (PA)

I bought a solar/battery back up system for my home. The company that sold me the system is now closed and filed bankruptcy. The system is not as advertised. XXXX is the finance company that my loan is through. 

XXXX will not honor my state Attorney XXXX request to halt loan payments until the bankruptcy is finalized. 

I am making monthly payments on a solar system that does NOT save me any money on my electric bill.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vinci Law Office, LLC (CO)

Hello, I had a debt to XXXX XXXX XXXX because I lost my job and had to break my lease. I was never served or notified but then was garnished by their attorney Vinci Law Office. But then I filed for bankruptcy and this debt was covered under that. 
years later, my husband who was not listed on the debt, didn't sign the lease, but he is now being garnished. Just like me, he was not served or given any notice of court proceedings. I am not sure how they got past the statute of limitations or how they were able to pursue a debt against him that he had no responsibility for. They likely are doing this to a lot of people and need to be investigated. 
When it was against me they waited until the statue almost ran, then filed an extension and let the interest accrue to an extremely large amount before garnishing. It looks like they did the same to my husband because the interest is very large and he was given no notice. 
Court filed date:XX/XX/20Interest : {$9000.00} ( How can there be interest when it was just recently filed ) Taxable cost : {$390.00} Less any amount paid : {$950.00} Principle Balance/Total Amount Due : {$12000.00}
Consumer complaint received 2018-09-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I am eligible for a HAMP refinance but because of a bankruptcy over 7 years ago, my bank will not process the loan. My house and car were supposed to be reaffirmed and.the proper boxes were checked in the bankruptcy paperwork but my lawyer must have gotten sick and passed away before he processed the reaffirmation. When I asked if it was something I did wrong, I was told that it should have been handled between the lawyer and the bank and I didn't have anything to do with it. Meanwhile, I am told I would have to open the bankruptcy back up to handle this and it would take more money that I don't have. I am trying to refi the house to be able to stay in it. I am working as hard as I can as a XXXX XXXX XXXX XXXX XXXX and am suffering every summer with no pay. 
I have talked with the refi people at Wells Fargo and they say it is my problem, I have talked with a bankruptcy attorney and they say that I have to pay and reopen the bankruptcy. Meanwhile I am slowly going under. I did do some research and found that the bank can reaffirm the loan but they refuse to do this. 
Please help me! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC (AZ)

I XXXX XXXX entered into a consumer credit transaction with Best Egg on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge should include all fees associated with the extension of credit. Best Egg charged me an Origination fee separate from the finance charge. XXXX XXXX Bank is listed as the Lender in this consumer credit transcation.
Consumer complaint received 2021-12-31
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

RUSHMORE LOAN MANAGEMENT SERVICES HAS BEEN IN VIOLATIONS OF MY CONSUMER RIGHTS SINCE I SENT THEM A LETTER BY CERTIFIED MAIL # XXXX ON XX/XX/2021. AND ALSO INCLUDED WITH THIS LETTER WERE COPYS OF DATA FURNISHERS RESPONSIBILITIES TO CONSUMERS, A JUDGE ORDER, AND A COPY OF MY XXXX REPORT # XXXX WHICH SHOWS RUSHMORE VIOLATION OF SHOWING FRAUD, AND A MIX FILE
Consumer complaint received 2018-03-06
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. (TX)

I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
Consumer complaint received 2023-01-17
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: Chime Financial Inc (TX)

On the XXXX  day I had contacted them concerning a cosigner to help me and my family get into a house but on the first day they reached out what nothing never did I had to find everything myself and I end up not found a place to stay we're currently in a motel right now so we never found the place I haven't heard anything from them they didn't do anything they stated that they sent out something to the company well I was trying to get a place at but I never heard anything from them so I can explain more later but it's it's basically what happened
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

In XXXX of XXXX I had an emergency XXXX ( XXXX ) and approximately XXXX XXXX XXXX XXXX. 

I gave the hospital my insurance information at the time. I do not remember if I payed a copay. 

A few months after the XXXX XXXX, I received a bill in the mail. I do not recall the exact date or amount. It was approximately {$1000.00}. I paid the bill online according to the instructions in the bill. 

A few months after I paid the first bill, I received another bill. This bill was for {$430.00}. I was suspicious because I had already paid a bill for the medical procedure, but I paid this new bill online according to the instructions in the bill. 

In XXXX of XXXX I received another bill. The bill said that my debt of {$430.00} was still unpaid. I called the XXXX  at which I had the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and spoke to the billing department. They said they had no record of sending me a bill or receiving payment. Then the XXXX  connected me to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. A representative from XXXX XXXX said that they had no record of sending me a bill or receiving a payment from me, but the representative said that there were some debts on my account and the debts had been sent to Transworld systems for collection.

I called Transworld systems and spoke to a representative. I asked to be given a summary of all of the debts on my account and an explanation of which medical procedures those debts were for. The representative said that she would send me that information via mail. 

I waited several weeks and did not receive the requested information. Then on XX/XX/XXXX I called Transworld Systems Inc. and spoke to a representative. I asked the representative to send me a summary of all of the debts on my account. The representative explicitly refused to send me this information.

This situation is unacceptable. Transworld is refusing to tell me the total amount which I owe. I think that if I pay this bill ( the one for {$430.00} again ) they will just send me another bill in a few months to see if they can get me to pay them more money. 
What I am specifically reporting is : It is Transworld 's practice to disguise the total amount of a balance by sending multiple bills spaced months apart. I spoke to a Transworld representative who explicitly refused to reveal my total account balance.
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hiday & Ricke, P.A. (FL)

I am writing to you in reference of a collection agency that is giving us a very hard time.The collection agency/ attorneys office is so named XXXX & XXXX XXXX. 

They were hired by XXXX XXXX XXXX XXXX XXXX # XXXX Case # XXXX XXXX We do not deny owing this establishment money. 

However, the problem we are having is with the paralegal, XXXX XXXX XXXX. XXXX is refusing to work with us in any manner. She, XXXX XXXX, was called by my husband, day after we received the letter in the mail over this debt. XXXX XXXX asked him how much he can pay monthly, and no matter what he told her, she stated, Come on, you can do better. so she then insistedhe make a monthly bill cost sheet. In which she rushed him through, so he missed a few different payments. She came up with saying {$300.00} a month, XXXX told her that was too much, it was going to set us back each month. XXXX XXXX told him, oh well, adjust your other bills. She, XXXX XXXX, told him oh well you can pay this {$300.00} a month, or we will go to final judgement.. 
XXXX told XXXX this payment is really going to hurt us, can she please work with us, point blank she says No!! 
At a later date, we gt a letter from IRS, informing us we had to pay in. So, once again, XXXX contacted XXXX XXXX, informing us of the IRS payments and we need the payment lowered. Again, she refused. 
So, because of her refusal to work with us, we had to adjust the payment ourselves so we could get gas and groceries. So now she sent us a message telling us, we are in default, and had 2 days to make a {$500.00} payment. for the 2 months we paid {$200.00} plus the {$300.00} for the upcoming month, or we could pay the overall payment which is roughly {$8000.00}. 
We have not missed any payments at all, we have been a cpl days late a cpl times due to the day XXXX check hit the bank. 
XXXX has each email saved that XXXX XXXX has sent him. 
XXXX XXXX sent us a letter on XX/XX/XXXX, mine was in the mail, XXXX was through email.. XXXX has requested again that she rewrite this debt payment, but she hasnt responderd. that was on Friday, XX/XX/XXXX. We have been under so much stress, due to all of this. Even the lady thru IRS, was easier to deal with.. 
Funny thing is, in the letter, she is claiming they have several types of payment plans, but refuses to work with us. If other emails or such are needed, let us know please Thank YOu XXXX & XXXX XXXX
Consumer complaint received 2024-03-16
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. (CO)

Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I am an XXXX XXXX XXXX woman. On XX/XX/XXXX, I was a victim of fraud. Basically, someone scammed me into sending him a wire transfer from my Wells Fargo bank account of {$21000.00}. Wells Fargo did call me when I initiated the wire transfer but the scammer was still on the phone with me and told me what to say to make the wire go through. 

I have filed a complaint with Wells Fargo, number XXXX. I was told that I would not get money back from Wells Fargo. However, I believe that Wells Fargo is legally negligent and needs to reimburse me for the {$21000.00} for XXXX reasons. 

1. Wire Recall. I called immediately after the wire transfer and asked for a wire recall. The police XXXX handling my case told me that Wells Fargo should have been able to recall at a minimum some of the money. I was told today that recall requests were sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo should have made the recall request on XXXX XXXX  right after I called. In a denial letter, Wells Fargo told me that they will initiate a wire recall if someone tells them they were the victim of fraud, but then denied our claim because they said I had not asked for a wire recall when I called on XX/XX/XXXX. That is contradictory. Moreover, I called Wells Fargo on XXXX XXXX  with my daughter XXXX XXXX and we did ask for a wire recall at that time. However, the recall request was not made until nearly XXXX weeks after the wire transfer. This is negligence. At least some, if not all of the money, could have been recovered. Wells Fargo is not accepting responsibility for their negligence. 

2. Fraud Victim Notice/Awareness. I was previously a victim of a gift card scam involving my Wells Fargo account in XXXX. Thus, Wells Fargo had notice that I was a susceptible to fraud and should have had additional safeguards in place for my account. Yes, Wells Fargo called to verify the wire transfer with me but the fraud was still ongoing -- the fraudster told me what to say. Given the notice that Wells Fargo had about me being susceptible to fraud, additional safeguards should have been put in place. Simply putting the usual safeguards in place for mewas negligent given that you knew she was susceptible to fraud.
Consumer complaint received 2024-03-17
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. (MD)

I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Once again, I am writing to file a formal complaint against the 3 major buraus XXXX, Experian, XXXX regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ).

For well over 90 days, I have been disputing the same account over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same account showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact account.

Experian doesn't even have my correct DOB but has the audacity to tell me time and time account everything is updated and verified this is just wrong. 

I have attempted to resolve this matter directly with the XXXX buraus via dispute letters. Despite my efforts, the issue remains unresolved, and I believe that their actions are in violation of the FCRA. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : CAPITAL XXXX Account Number : XXXX ACCOUNT TYPE ACROSS ALL 3 DOES NOT MATCH DATE OPENED DOES NOT MATCH ACROSS ALL 3 DATE LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT INCONSISTENT AMOST ALL 3 BURAUS PAYMENT HISTORY COMPLETLEY INCONSISTENT AMONGST ALL 3 BURAUS. 

I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Consumer complaint received 2020-01-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.