davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I was on XXXX looking for a puppy to adopt. I made contact with someone named XXXX XXXX through their XXXX ( XXXX XXXX  She had a puppy availabe ( I saw pictures ) I wanted to come to see/buy the puppy, but she wanted to make a 'reservation ' stating she doesn't just let people run through her house. When I asked what was involved in a reservation, she requested a deposit of {$400.00} which she said was completely refundable if I changed my mind. I sent the money through my bank, XXXX and zelle pay to 'XXXX  XXXX XXXX who she claimed was her 'hubby '. She also provided me with an email : XXXX. Believing this, I sent the money. Once it was received, she sent me a contract for the puppy through my email from XXXX. The contract stated I had to pay an additional {$400.00} for the dog, at which point I would owe no money at time of pickup. It also stated that she would keep 10 % handlers fee if I changed my mind. On the bottom of the contract was an address : XXXX XXXX XXXX, XXXX OH XXXX. When I questioned these things stated above, she reiterated sending the additional money. She told me I was wasting her time, so I asked for a refund. What came through on zelle was a request to send, not receive {$400.00}. I then went through XXXX  and asked for the money, which she refused to do. There was another email to XXXX XXXXzelle of XXXX. I had been in contact with XXXX  several times, including attempting to file a claim, at which time they told me there is nothing they will do because it is a cash transfer. I have a copy of the contract and the XXXX XXXX  with this person. She is now offline on XXXX and I can't pull up anything in relation to her trying to rehome a dog. I looked up the address on XXXX XXXX and it looked like the house was abandoned. I have also deactivated my zelle account with XXXX.
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account NameXXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedDec XXXX Account NameXXXX XXXX Account XXXX Account TypeCredit Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX XXXX  Account XXXX Account TypeChild Support ResponsibilityIndividual Date XXXX StatusOpen. 
Status UpdatedXXXX XXXXXXXX Account XXXX XXXX XXXX Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date XXXX StatusCollection account. {$440.00} past due as of XX/XX/XXXX. 
Status UpdatedFeb XXXX Account NameXXXXXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$320.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX ***remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX ***remove above incorrect names, not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX  TX XXXX SINGLE FAMILY XXXX FM XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # NA XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX APARTMENT COMPLEX ***remove above incorrect addresses, not mine, FCRA violation ( XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect numbers, not mine, FCRA violation
Consumer complaint received 2022-12-31
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. (TX)

In Accordance with The Fair Credit Reporting Act XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX- Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number- XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX, XXXX XXXX - Account Number- XXXX, XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX  Acts Has Violated My Rights 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 a account without my Written Instructions.
Consumer complaint received 2021-03-17
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: Credit Counsel, Inc. (FL)

The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is a XXXX charge off on my Trans Union bureau. Old, and disputed with all 3 agencies years ago when it first appeared. 5hey removed TU didnt. Found out when I applied for a mortgage. Went on their website to dispute, saw some incorrect demographic information on me, updated what was wrong- which locked me out from disputing the XXXX charge off. Tried to go back in a few days later and TU website doesnt recognize me and caught in an endless loop where I give my ssn and name and it just resets.
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (VA)

SunTrust ran a promo ( code XXXX ) whereby if I had a direct payroll deposit of at least {$3000.00} for 2 consecutive months within the 1st 3 months I would get a {$500.00} bonus. I have met & exceeded those requirements ( my payroll direct deposit has gone into my account for FOUR months now and I have the bank statements to prove it. These XXXX are trying to claim they can't validate that it's a payroll deposit but 1 ) it OBVIOUSLY is, and 2 ) it shouldn't be my problem that they " can't : validate it & get their act together. I provided the name of my employer & even offered to send a W2 but their " Marketing '' dept. said if they couldn't verify it if they didn't see a certain code in the transaction but that is a LOAD OF XXXX by either incompetent or lazy people or thieves. I upheld my end of the promotion so please force them to uphold their end or FINE THEM for being XXXX XXXX XXXX!
Consumer complaint received 2021-03-17
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)

I have a couple files along with incorrect names and address that are reporting on my credit report. 
XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX there is no amount that show. however it does not or ever belong to me, and reference to my affidavit the was signed and notarized and sent to the company for Validation of debt along with he affidavit. Which was not answering in proper form, and not answered to at all. would demand for deletion and removal for fraudulent reporting along with not properly notifying my request for Method of Verification Request from the CRA. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$330.00} this is a Fraudulent reporting account that need to be removed
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (FL)

This is ridiculous! I can not move on in my life and apply any financial planning!! Could you please help me and remove fraud account from my credit report? THIS ACOUNT IS ABSLUTELY NOT MINE! It just appeared this month from nowhere ... .Its a fraud, identity theft I have no idea hat is that but I do not want to see it in my credit report! REMOVE IT ASAP!
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I entered a consumer credit transaction with this corporation and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. Not only did Wells Fargo take cash in this consumer credit transaction, they took a down payment, they didn't include my car insurance in the finance charge and I never received my right to recession nor the material disclosure. Pursuant to federal law they have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt and they have apparently charge off my account. I called them and asked them to explain my car payments, because pursuant to 15 usc 1605 the Finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number, and I've paid well over the finance charge ). Instead of providing me with the information I asked for they responded with a transaction history. They have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope that's alleging I owe a debt, they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. I hereby rescind the consumer credit transaction granting any security interest to Wells Fargo Auto.
Consumer complaint received 2020-03-13
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)

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine, and some of my accounts where reporting late payment history which are incorrect I sent your bureau multiple dispute letters in regards to the below accounts on XXXX, XXXX, XXXX, and XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {$450000.00} home purchase in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted and the other accounts are not amended. I would prefer this to be handled without any financial damages and litigation.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 2018-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

This is a follow up on complaint # XXXX. 

After multiple attempts ( phone calls and faxes ) to get a pay-off letter from Rushmore loan services, and get them to release my loan, I sent a certified letter clearly asking for the release of my loan to be sent to the recorder of deeds ( I paid the fee via credit card to their manager XXXX on the phone on XX/XX/XXXX ). I received a follow up letter via fedex to my old address noting that they are responding to my inquiry as of XX/XX/XXXX, and advising me that XXXX XXXX   owns my loan. 

I also received a letter via regular mail that was forwarded to my new address, saying they received my inquiry as of XX/XX/XXXX as to the status of my loan, which is XXXX balance due. No kidding. I asked for a payoff letter and a release many times, starting on XX/XX/XXXX. It is now XX/XX/XXXX and this basic servicing function has not only not been done, but Rushmore seems baffled as to what the question is. 

I don't know who XXXX XXXX is and I don't care. I want my loan released immediately, I want Rushmore to pay my escrow fee ( see complaint # XXXX ) and I want to be done with this.
Consumer complaint received 2022-12-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

I'm not got to try to " beef '' this up to get out of paying my bill .... Well I received a " live check '', needing the money I cashed it. I still fully intend on paying every penny of the loan, and like many, MANY people right now I'm one the serous side of struggling. Falling behind, I started receiving phone calls every day, I answered at first telling them I don't have the money, and informing them that not only 1 but 2 deaths in the family, COVID twice, and bills bills bills, not being able to work I couldn't give anything, I have a XXXX XXXX XXXX son, and when he needs something, I don't have a second thought of paying a bill over something he needs ( back and forth to the Dr , meds, ect ). I am aware that business is business and that everyone has a job to do, but the office manager leaving voicemailsl everyday, and having someone come to my house every 2 or 3 days, that's ridiculous. Not the way to deal with anything. During all this mess I couldn't pay my phone bill and didn't have any contact with them. Or anyone else for that matter. My sister The saving grace that she is, got me a phone on her plan, at no cost to me ... because I have a child here that's been sick and not way of contacting anyone in case if an emergency... The office manager has the comment that I can buy a new phone but I can't pay my loan, first off it didn't cost me anything, not that that's any of her business. A few snippy comments later, I was asked to write a check, I don't have any money, not on me, not in a Bank account, so the best idea is to write a check to the company with an account that DOESN'T HAVE ANY MONEY??! Add insult to injury? No thanks that's illegal, and that's jail time. Then I was asked to call around and ask for money, well that sounds nice to people that have that option. I'm not asking for sympathy or handouts. I'm behind on my bills .... That's life, but the everyday calling me and my boyfriend EVERYDAY, and sending someone to my house every 2 or 3 days .... Insane.
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All accounts above has violated my rights. 



15 U.S.C 1681 section 602. A state, 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 15 U.S.C 1681c 9 ( a ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- ( 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 2021-03-17
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular XXXX citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

I contacted AD ASTRA RECOVERY SERVICES on XX/XX/2020 regarding my outstanding balance with XXXX XXXX and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and AD ASTRA RECOVERY SERVICES " 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. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial (OH)

ON XX/XX/2020, I PAID WESTCREEK FINANCIAL IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, WESTCREEK FINANCIAL REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Consumer complaint received 2022-03-22
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account #, 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 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
Consumer complaint received 2021-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.