davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (VA)

XXXX XXXX XXXX has reported I owe them money in the XXXX XXXX XXXX XXXX do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act Convergent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-28
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. (TX)

XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX XXXX  sent in theft report and Equifax have not removed yet. 
XXXX XXXX is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX  is a result of fraudulent account and Equifax have not removed yet. 

XXXX XXXX XXXX  is result of fraudulent account and Equifax have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2018-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/18, we wrote a check on our Wells Fargo checking account for {$4000.00}, and mailed it to a business named " XXXX XXXX '' in XXXX XXXX, FL to pay for some aluminum shutters at our home in XXXX, FL. 
After several days, XXXX XXXX advised me that they did not receive our mailed check. 
We then contacted Wells Fargo who said that the check had been paid out to a " XXXX XXXX '' ; it was endorsed and posted on XX/XX/18 into an un named XXXX Bank account. Wells Fargo was told that the check had not been made out to XXXX XXXX, and XXXX XXXX confirmed that " XXXX XXXX '' is not a signer or employee at their business. XXXX XXXX stated that they had determined that this check, along with other payments, had been stolen from their mail box in XXXX XXXX. They notified the Postal Inspector and made a report. Wells Fargo will not tell us what XXXX branch location the check was deposited at and/or the account number to assist us in a criminal investigation and reimbursement for our funds. We did file a police report of our loss at XXXX County Sheriff but they can not investigate the issue further without the location of the deposit transaction. Case # XXXX. We wish to prosecute for Fraud and Grand Theft. We also reported our stolen check to the Postal Inspector and the FDIC. 
We filed affidavits at Wells Fargo regarding the Fraud and Theft and were given a claim number. Claim ID XXXX. The bank refuses to cooperate, refund our account, or reimburse us for our loss. They advise us that they have no plan to credit our account, nor are they conducting an investigation at this time. Isn't our bank insured? Please help us. We are crime victims. 
Thanks for your assistance.
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (OH)

I contacted the credit bureau regarding accounts that are inaccurate and that Im not aware of and have no obligation to. Credit bureau is still reporting the account ( s ) and not sending requested information.
Consumer complaint received 2023-06-23
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. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2022-05-31
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. (NV)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-19
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

We have been with PennyMac for the first year, and every month we pay all our insurance and taxes for the whole year. I have been getting email after email asking us to refinance our home so when we call to inquire, no one can help and they always hang up on us. So today I receive a letter in the mail saying that they have not received our insurance payment for the year and that if they don't receive it in 2 weeks then our homeowners insurance will be cancelled. I keep calling to speak with a representative that actually has some common sense about home loans but we can not even get a competent person on the line that can either help or know how to work a phone when transferring us to the right department. They have lied to us multiple times saying they will call back and they won't. I have left message after message and no return phone calls.
Consumer complaint received 2019-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

After the law firm aggressively pursued our family over a lawsuit initiated by my estranged Mother, it appears that this law firm has also purchased some of my debt and are now also trying to threaten me with a law suit to recover it. 

In the letter they advise that they have been retained by XXXX XXXX  to collect its claim against me for the balance due on my XXXX XXXX Credit Card, and utilize on behalf of our client in a second letter - however when I called XXXX to discuss this with them, they advised that they can not discuss it as the debt was actually purchased by the firm. 

Therefore the law firm are threatening me with a law suit, acting as though they are being instructed to by XXXX, when in fact they are a debt collector who purchased this debt from XXXX and it has nothing to do with them any more. 

With the history of the family-based lawsuit, it seems very unethical for the law firm to now try and threaten me with legal action over this debt, and to act as though they represent XXXX.
Consumer complaint received 2019-11-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION (SC)

on XX/XX/XXXX I received a call for a man saying he was XXXX with BB & T and it was imperative and in my best interest to call him back. Advised I needed to pay {$980.00} to avoid my mortgage going into foreclosure. I gave my savings account number but didn't have enough in it to pay so I was told to get XXXX XXXX XXXX XXXX card and I did. On XX/XX/XXXX for {$500.00} and On XX/XX/XXXX for {$490.00}. I called the direct number back XXXX and the number was no longer in service. After reviewing my cell phone messages this man has left me two threating messages from that number to call him. 
I have spoke to SLS and BB & T regarding this and either account has the payments posted. I need help tracking down this well needed money. Due to my account about to go into foreclosure. I am a single hardworking mother whom have taking over the care of XXXX little girls and keeping my sisters kids while she is working out of state. Please tell me there is some hope of getting my funds back.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (TX)

XXXX XXXX added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my Experian and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
Consumer complaint received 2023-02-21
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. (NY)

There are derogatory items showing that are passed the statute of limitations in NY and they refuse to remove or even verify the debt beyond a stamped " debt verified ''
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom This May Concern, I XXXX XXXX XXXX is attaching this complaint against TransUnion Credit Reporting Agency for allowing fraudulent inquiries on my Credit Report. 

Please find attached my ID, the complaint, and the letter confirming that they have deleted the inquiries and an invoice with the remedy requested I am submitting this claim on behalf of myself with a sound mind. 

The requested remedy is attached to my complaint.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-28
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. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have sent requests to Equifax certified mail requesting method of verification on this inaccurate verified account..I also challenged the account under metro 2 laws ... They have not provided me with documentation showing how they verified this account.. I would like to challenge the status, high balance, past due amount.
They are suppose to verify physically the validity of alleged data, any calculations, dates, each notation, balances, and records of accounts even the 426 CHRC P6 statement, personal identifiers, and source codes audits, receipts, accounting records, metro 2 codes.
Consumer complaint received 2022-05-31
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: Experian Information Solutions Inc. (VA)

I submitted a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account 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 # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-09-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: KEYCORP (CA)

I had a consumer Boat loan that I have had at this bank since XXXX. I contacted them in XX/XX/XXXX to request a Payoff as I was selling the Boat. I was provided a payoff with a timeframe ( 10 Days ) as usual. I was provided the information on where to send the payment.

I had the Buyer of the Boat XXXX the Check to the Bank. We had it Tracked It was received and signed for by the Bank official. Upon follow up, the Bank claimed they could not find the Check. They investigated and 4 weeks later could still not find the Check. In the mean time they charged me a {$30.00} Late Charge.

Hours of phone calls and communication with the bank, which I Have documented, We finally stopped payment on the Check and had the Buyer Wire Transfer the Money to the Bank.

The Payoff was {$10000.00}. The Check from the Buyer was for {$12000.00}. ( sale price agreed to with buyer and contracted by a bill of sale based on the Payoff Amount ) I received a Documented eMail confirmation of the Payoff received by the Bank. 

After One month had gone by waiting for the Titles and Refund of the difference, I received another statement from the Bank Stating my Payments are still due. Contacting the Bank again, they said the balance was {$14000.00} and was not paid off.

As I continued to try to get to someone with authority, I contacted the bank several more times. The automated phone system said there was a payoff balance of {$9.00}. When speaking with the Agent they stated that was wrong and they could not tell me the payoff over the phone and would have to send it via mail or fax it.

I communicated that I already paid the loan off based on the payoff provided and that I have documented confirmation of the payoff, and that it was {$2000.00} more than I was quoted.

Bottom line, This is an unacceptable behavior and actions by a bank that has Fiscal responsibility for consumers money. This includes lost checks, wrong payoffs, misrepresentations, false late charges.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.