davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
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. (CA)

XXXX XXXX XXXX have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX ( XXXX XXXX XXXX  ) to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues
Consumer complaint received 2020-02-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AR)

XX/XX/XXXX I mailed a check to US Bank to pay off the balance owed on the mortgage.

XX/XX/XXXX I called US Bank letting them know that I had received a past due notification and I was told to disregard the notice. They confirmed they had my check already and that it was just a long process to payoff a mortgage.

US Bank didn't apply the payment until end of XX/XX/XXXX causing my account to be reported as past due to my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

I was supposed to close escrow on a new home XX/XX/XXXX but when my lender pulled the last credit report these delinquencies appeared.
Consumer complaint received 2023-07-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Flandreau Santee Sioux Tribe (TX)

I have been contacted numerous times from mediation, collections for VIP Loans saying I will be sued, they will be delivering summons for court, etc. I have asked for written proof of this debt from XXXX  ( Texas ) which they say they have sent several times but I have never received it. They start hollering at me, talking over me, telling me I just dont want to pay my bills. I know this is past the statue of limitations here in Texas but they call my husbands business leaving a message and when I repeatedly ask them to not call me on that number she starts hollering and saying they can contact me on whatever number they have for me.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-08-09
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: AMERICAN EXPRESS COMPANY (NY)

I believe I am a victim of identity theft American Express, XXXX XXXX, XXXX AND XXXX have all violated U.S.C. Title 18 1001, 2071, 2073 ( falsifying records ) 15 U.S.C. 51692 ( e ) " false, deceptive, an misleading representation, in connection with the collection of any debt '' such as the false representation of the character or legal status...

They're purporting a debt under false pretenses
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-04
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. (MA)

I recently became a Social Security Card holder. I'm aware that following a change in XX/XX/2011, SSA began to issue SSNs that start with the first three digits greater than XXXX ( reference 1 ). My SSN falls into that bucket. However, electronic form found on XXXX ( ref 2 ) would not accept such an SSN. If I put in my SSN, a message comes up saying the SSN is invalid. As a result, I can not opt out of pre-screened offers. 

References 1. https : //www.ssa.gov/kc/SSAFactSheet -- IssuingSSNs.pdf 2. XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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)

the U.S law U.S code title 15 Commerce and trade chapter 41 a consumer credit protection sub chapter XXXX credit reporting agencies which that refers to EQUIFAX subsection three credit reporting agencies 1681 B you have a title that says permissible purposes of consumer reports there's two permissible purpose for a credit reporting agency to be reported if you go to the first one it says in response to the order of a court having jurisdiction to issue such an order or a subpoena issued in connection with proceedings before a Federal grand jury we don't have that situation, the second issue is in accordance with written instruction of the consumer to whom it relates I'm this consumer you're reporting stuff on my behalf and you do not have written instruction from me. I am a well informed consumer, all correspondence is being recorded for future evidence purposes. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2800.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX  {$35.00} XX/XX/XXXX These accounts violate my rights, they have also been factual data disputed several times which you have ignored see attached documents. I have taken the liberty to point out over 11 violations that your company has committed. Im not asking but telling you remove or Notice of lawsuit for damages, and attorney fees will follow.This has kep me from owning a home and tremendous stress. 
Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of your violation and lack of investigation from previous dispute through CFPB will also be used as evidence file numbers are ( XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 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 2022-11-09
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. (NC)

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NY)

Credit history showing {$100.00} medical debt which is not mine. I pay my medical copay by debit or check on day of appointment. I am requesting more information on this due amount. 

I also do not use the name of XXXX XXXX XXXX and I have never resided at : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-11-09
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. (CA)

Choose according to account type. These can be combined 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 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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX : {$500.00}
Consumer complaint received 2019-12-04
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. (GA)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!
Consumer complaint received 2019-12-04
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. (MA)

I XXXX  XXXX  a Social Security Card holder. I'm aware that following a change in XX/XX/2011, SSA began to issue SSNs that start with the first three digits greater than XXXX ( reference 1 ). My SSN falls into that bucket. However, electronic form found on XXXX ( ref 2 ) would not accept such an SSN. If I put in my SSN, a message comes up saying the SSN is invalid. As a result, I can not opt out of pre-screened offers. 

References 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX
Consumer complaint received 2019-12-04
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. (GA)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (CA)

Had a loan XXXX XXXX XXXXXXXX paid it on time except it late once. They repossessed it the mouth before it was paid off. Cost me XXXX between the additional XXXX they wanted and the XXXX tow all on the XXXX of XXXX at XXXX. Cost me thousands more due to we were going to take the boat out the next day and we lost the weekend and all the expenses we paid to get ready. Cost me approx XXXX total for a still undetermined reason, I was so mad and had nothing to do with it or anything I could do about it.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Business Financing Corporation (NC)

CFG is a ruthless company and I would suggest not dealing with this company. I did borrow from them for my business, however my company was no longer making any money as I no longer had my short term rental. I was making the daily payments but realized could no longer continue as I was barely making {$2000.00} per month to pay {$99.00} per day. So in order to ensure that they get paid I researched and decided to go with a resolution company to show good faith. They claim that the resolution company has not contacted them, now I have a XXXX year grandchild who stays with a XXXX where where the dates are expired and asking the company to illegally hold my revenue. They used a software to created a false document -See attached form. It is time for the FTC and CPFB to get involve and stop these companies. Something needs to happen to prevent these people from XXXX  individuals when individuals have signed up with a company to try to fulfill the obligation even though they do not have the revenue that was coming when they first started. They are practicing illegal methods. Loan amount is {$5500.00} yet they are demanding over {$15000.00} with no detail of the charges to dispute or validate. In order not to lose my Statement of work which they are causing, I had to agree to a payment amount which has been paid and they stated my funds would be released. I am still waiting. Now this is what happened to me -DECLINE IN RECEIVABLES / ABUSE BY FUNDERS If business receivables have declined, the funder must reconcile the repayments to correspond to actual receivables rather than estimated receivables. Why have not been released as per agreement. 
Company did not to receive any legal paperwork thus the company I contract with was illegally sent a false document. Not a court ordered document with expired dates, but a document created in a software program.
Consumer complaint received 2023-03-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

XXXX completed paperwork to close IRA-CD ( {$25000.00} ) at Wells Fargo XXXX XXXX, Oregon with Banker XXXX XXXX XXXX While completing paperwork I was on the phone with a representative from the section managing the account. Paperwork was completed, faxed and verified as received. I was told I would receive a check within a few days and to call back if not received. I called Wells Fargo and did not receive a return call. I was outside of the grace period after a few days and waited for the check. The check did not arrive so I took a different approach. 

XXXX I opened an IRA-CD with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oregon to receive the money from Wells Fargo because it had still not been sent. My Wells Fargo on line access continued to show the full amount in said account. The First Federal account was activated and all appropriate paperwork was sent to Wells Fargo by XXXX XXXX XXXX XXXX XXXX. 

XXXX I completed a complaint with, and supplied appropriate information to the Federal Reserve. 

XXXX I received a letter from the Federal Reserve stating that CFPB is whom I should file a complaint with. As of today XXXX my XXXX XXXX XXXX XXXX XXXX account continues to show a zero balance, and Wells Fargo continues to show the full amount ( {$25000.00} ) in the account I have been trying to close. 

Wells Fargo is failing to release my funds and I am loosing 3.25 % interest in my new account. Is this a common complaint with them? How can they just ignore multiple attempts to return money to it's rightful owner? 

Thank You XXXX XXXX I have copies of all forms but they contain sensitive information and I will not attach them to an email. I will be glad to supply them as needed via a safe portal or method.
Consumer complaint received 2023-05-12
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. (DC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-12
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 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 2022-12-16
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}