davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (OH)

I recently received a copy of my ( Experian, XXXX, XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX XXXX XXXX  Account # : XXXX Your company is in clear violation of the law : Pursuant 15 USC 1681a 2 ( A ) ( i ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is NOT INCLUDED ON MY Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX XXXX  that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer report!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 5 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX  Account # : XXXX Failure to respond satisfactorily with the deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations noncompliance-616 Civiila liablity for willful noncompliance 15 USC 1681n
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I was made aware of four accounts today XX/XX/19 on my credit report that do not belong to me. These accounts were opened by someone named XXXX XXXX without my permission. I was not part of anything involving these accounts nor did I benefit anything from them being open without my permission such as money, goods, services, or any other benefit. I also never made any payments towards these accounts nor purchases. Im not sure why or how that person got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting my credit reputation cleared up.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo complaint Spoke to XXXX who transferred me to XXXX in the complaint dept Issue Requested {$1200.00} to move from WF to XXXX XXXX on XX/XX/XXXX The money left WF on the XXXXXXXX XXXX XXXXXXXX and was not received by XXXX XXXXXXXX until the XXXX XXXX XXXXXXXX I decided to test money movement the other way. On XX/XX/XXXX I asked to transfer {$100.00} to WF from XXXX XXXX and it was posted into WF in one day on XX/XX/XXXX In speaking to XXXX I told her that I wanted to find out which government agency I could report this to as it appears at though WF is using my money. 

Also Wells Fargo requests that their credit card payment to the Active Cash WF card be in four days before the account closes. The money is going from Wells Fargo to Wells Fargo and on the bill pay web site it says same day transfer. Again they are using my funds.

Why does the money take one day going in to my account and 6 days to post to another bank. They should be sending bank to bank electronically. 
CASE NUMBER XXXX XXXX She told me that I would receive a call within 10 days
Consumer complaint received 2019-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

All of my student loans are on auto-pay with the option set to assign any overpayments to the principal. I've contacted Navient multiple times regarding the my loan payments not being allocated properly which results in me paying more in interest and not paying down my principal as it should.

When I first contacted Navient about this issue, they stated this was caused because my loans were all in billing groups and therefore causing some loans not to receive payments. I asked that all my loans be separated so payments would be allocated properly. Still, Navient continues to apply my payments improperly by moving my due date instead of allocating overpayments to the loan principal, resulting in additional interest payments.
Consumer complaint received 2023-07-30
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 accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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.
Consumer complaint received 2023-02-27
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. (AZ)

This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : XXXX ( XXXX ) XXXX ( XXXX ) Experian ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX  This account was open without my consent and is a result of fraudulent. Remove this account.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I have shopped at Macys happily for years until very recently I applied for a store card which arrived, but every time I tried to use it my orders were automatically cancelled and I was given a message to contact customer service. I did this twice, both times they claimed there was a, temporary restriction and they needed more personal information to remove the hold. After giving the various customer service representatives my information and being on hold long periods of time, each of them falsely claimed to have fixed the issue. I contacted the XXXX, again nothing was fixed and all I received was an generic apology email from Macys ( the problem still exists and my Macys Credit Card is effectively useless, damaging my credit as they took the liberty of applying me for an additional Amex card I did not authorize ). Please help, thank you!
Consumer complaint received 2019-12-03
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. (OH)

I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-03-14
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. (CA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2019-01-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am the XXXX  and XXXX of the XXXX XXXX, XXXX XXXX XXXX , XXXX Chase bank closed my account based on fraudulent documents and accusations from two board members and a fired management companys false accusations against me. I have Bylaws and a registered document with the state of California the proves my position as XXXX=> I am allowed to hire/fire ; receive FAIR compensation for my role as XXXX  and make legitimate OPERATIONAL purchases for the business = ALL of which I have valid proof of, yet I was falsely accused by a FIRED MANAGEMENT COMPANY AND TWO TERMINATED BOARD MEMBERS OF MAKING FALSE PURCHASES AND illegally receiving a paycheck! Completely crazy.
Consumer complaint received 2019-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (NC)

Kls Financial Services {$1800.00} XX/XX/2019. 

Before noticing this credit report I had been communicating with my XXXX. The person in charge of billing was XXXX who no longer works here. I was communicating with XXXX about my injury and what prevented me from paying as she stated they would work with me. XXXX who in charge also verified he saw the emails. I spoke with a XXXX from XXXX XXXX XXXX and he informed me that the letters that was sent to me was returned because they was unaware of the conversations. This amount should not be on my report because I was unaware of it going on my report. I never refused to pay and was told the office would work with me as they have before. Im asking for this to be removed. A balance is placed on credit reports when failed to pay or no communication but i communicated and was told that the office would work with me
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NY)

My insurance company XXXX XXXX failed to pay an emergency room doctors fee because of a clear misread of my medical coverage. After spending many months trying to resolve the issue with the insurance company and the medical biller, the outstanding bill was sent to XXXX for collection. On XX/XX/2018, XXXX XXXX XXXX XXXX stated that the unpaid debt would be reported to credit agencies if not paid in full. XXXX was contacted by XXXX XXXX on XX/XX/2018 ( two days later ) to let them know the account/bill was covered and was going to be paid by XXXX  and not to pursue the matter any further. The XXXX representative who XXXX spoke to was named XXXX. On XX/XX/2018, XXXX sent XXXX a Explanations of Benefits document showing that the bill was in fact paid in full. On XX/XX/2018, XXXX reported the unpaid debt to XXXX and XXXX. An XXXX representative stated that they are not responsible for correcting the reporting to the credit agencies. This uncollected debt now appears on my credit report. This is a clear violation of the FDCPA.
Consumer complaint received 2023-02-27
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

for about a year now plus, ive emailed to get a reply ( emails not accepted ) then gives me a oimk to a bot. if you guys were coinbase.com and lets be honest if i go XXXX ya mihht not likr ut you know would you imagine they do too? guys remember when bitcoin was like XXXX ever since then guys you know anyone who forgot their gmail password and forgot what email address was the reserve. i assume if your coinbas it happens often and guys with my email address dnt ya think i can vlose them go nat sec and next but honestly who and what would learn from that? guys i even told them i dont know if ya have XXXX  XXXX  but i got the google video on mine you can compare what you aee with the pic i took holding my id to open the acct and nada. ya i told XXXX but earlier tnite and no worries i aint telling them i told you. you know the theory behond a bank cant legally hold anyone from their acct cause its my cash? they dnt even give you an acct number but i even offered to tell them last time deposit into what acct from what acct and how much nada guys i wanted out when bitcoin was XXXX and since then coinbase has held me from my money what brokerage that happen? and i ber they go today well transfer his cash ya when my securities aint wortj nada no way if yo youre not the only dc dotgov ive informed if ya dnt fix it congress gon na love all you us federal court of claims!
Consumer complaint received 2023-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galaxy Capital Acquisitions, LLC (MI)

Worldwide asset Portfolio Galaxy is fraud. XXXX XXXXXXXX XXXX and their lawyers back it up. I I discovered over 22 years that I've been paying for a credit card ending XXXX found out XX/XX/XXXX its a bogus account XXXX XXXXXXXX XXXX has sent me and the lawyer the paperwork to prove it. Worldwide galaxy portfolio attorneys are XXXX XXXX in XXXX Michigan XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has put state on my mi taxes Causing Financial ruin. Gave me a nervous break down lots of sleep. now my court case is with the XXXX XXXX XXXX in XXXX XXXX Michigan judge name XXXX XXXX XXXX XXXX She's asking me for a stronger defense because the letter from the XXXX fraud department wasn't anough of a defense .so XXXXXXXX  Attorneys Draft it another letter this time from the lawyers saying that it's been fraudulent and to release the state Lein off Mi state taxes. Worldwide assest has taken {$7000.00} of my taxes and Garnishing wages. in conclusion I did investigation on my own because no one else wanted to help me so right now I'm dealing with Michigan pro legal team the federal government and the governor of Michigan to give me a stronger defense to fight this Portfolios galaxy.. this is fraud I don't know why it has to be over 22 years for me to realize they put a judgment t the judgment on me. I had to investigate this myself so I am asking you to send XXXX XXXX XXXX and question them and Like before in. XXXX give me the answer of why they did this to XXXXXXXX XXXX. Why did they ruined my life for 22 years. No one stepped in sound like a XXXX XXXX case that I got caught up in. I'm asking portfolios galaxy to take the state lien off my Michigan 's taxes so I can be free and go on with my life ian apology Thank you XXXX XXXX. XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-12-03
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. (OH)

I have never done business with the companies. This Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.I have already filed a FTC and Police report over these same companies.XXXX  XXXX, XXXX XXXX., XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX. XXXX Balance : {$0.00}
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Attached to this complaint is a police report from the XXXX Police Department in regards to fraudulent and unauthorized checking accounts and credit inquiries listed on my Chex Systems Consumer Report. The following checking accounts was open fraudulently, are fraudulent checking accounts and not my accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX. All of the credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX