davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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. (FL)

YOUR COMPLAINT I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of 2022 without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter. 

Document password : XXXX XXXX XXXX
Consumer complaint received 2023-07-18
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. (IA)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

I refinanced my home mortgage and the existing loan with NewRez/Shellpoint Mortgage Servicing was paid off via wire transfer on XX/XX/2021 but is not being credited to my account until XX/XX/2021 per the NewRez representatives Ive spoken with. This has resulted in me having to pay interest for 3 days on not only a loan that was technically paid off but also on my new mortgage with XXXX XXXX XXXX XXXX. Per consumerfinance.gov mortgage payments must be promptly credited and applied to my account on the day the funds are received.
Consumer complaint received 2023-02-10
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. (IL)

**If its anything over {$1.00} they are to return the money PERIOD!

( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX XXXX XXXX XXXX XXXX Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates XXXX XXXX XXXX of the debt collection company sent several letters in the past demanding payment I refused to release any finance stating that there is no debt, I don't have a contract with them ( PRA ) and asked them to produce the contract then PRA had their law firm XXXX XXXX XXXX send me a threatening letter saying that they will garnish my wages take possession of my automobile etc and delivered another saying that the account is in litigation and then delivered a citation to my door from XXXX of their employees of a Debt claim saying that I have 14 days to respond So within XXXX hours I made copies of rebuttal which included an XXXX XXXX XXXX XXXX XXXX warranto etc rebutting the alleged claim of debt to XXXX XXXX XXXX and XXXX XXXX 's attorney XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX received a letter from XXXX XXXX XXXX saying that their XXXX has not had sufficient time to complete the investigation in other words they can't produce the contract and that they are a foreign for profit engaging in human trafficking I've suffered immensely health wise for this ordeal and I want financial compensation for what PRA /PORTFOLIO RECOVERY ASSOCIATES put Me through
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 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 2023-02-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 61XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

I am reporting StillMan Law Office for the fraudulent action taking against my credit score reports since the agreement accepted by both of us has been breached. The agreement was accepted by making monthly payments starting on XX/XX/XXXX with the amount of XXXX USD. The settlement was for the amount of XXXX USD. However, my account showing on my credit reports still shows a balance of XXXX USD, which is still deceiving my personal accomplishment due to this past due delinquency charged when it should be take off my account on XX/XX/XXXX of XXXX. I have been trying to reach Still Man Law Office and Even faxed the proof of payments made to Still Man as agreed, but unfortunately they are never available. I have received today XX/XX/XXXX of XXXX another letter stating that I own XXXX USD. When I already paid them the agreed amount of XXXX USD. Here I am attaching the supporting proof of my bank checks statement that confirmed that the XXXX USD payment was cleared and debited at Still Man Law Office.
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Merchants and Medical Credit Corporation, Inc. (MI)

M & M credit is reporting an account that does not belong to me of {$150.00}. I called this company and have never done any business with them. I have no knowledge of this account and it is negatively impacting my credit worthiness. Stop reporting this information to my credit bureau 's.
Consumer complaint received 2023-02-23
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. (MD)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Items where deleted from my report, and return after being deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (VA)

As a consumer I have exercise my rights in regard to consumer purchases. Since XXXX XXXX I have attempted to contact the department at the department pertaining to the accuracy included in the consumer transaction resulting in " loan '' deceptively assigned and then furnished to my credit report without consideration and consent. I offered my consumer paper for collection does not surrender. The purchase of my vehicle was for personal, family and household use only. I have implemented to have the alleged debt paid in full by use on negotiable instrument acceptable by debt settling obligation and requirements. furthermore, the suppose contract only has one party signature I have asked for clarification about this with the company and the assigned " loan '' company. I yet not received any correspondence about this matter. 
As on XX/XX/XXXX I have sent another letter of correction and satisfaction of the matter. In addition to verify that this is legitimate consumer transaction, I have requested a copy of the contract between the consumer and the Corportation.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (OK)

This complaint is addressing Equifax 's lack of ethical practices. For at least 2 years I have been attempting to log into my credit report account. I made a complaint here on CFPB on XX/XX/XXXX, wherein after back and forth Equifax stated that it had solved my login issue. As of today, after two additional attempts on XX/XX/XXXX, and XXXX, I have continued to get the attached error messages with regard to access to my credit report. I did request a new report by phone in XXXX, of which I never received. I sent a letter asking that " hard inquiries '' be removed and then I called as well. I am met with hostile, careless customer service representatives. As a result, I have practically been rendered homeless. My score is STUCK with them. While XXXX and XXXX have been wonderful, Equifax is ruining my life by not acknowledging my existence. The login problem has never been solved, and every time I call they tell me that I will hear from someone in 60 days, which never ever has occurred. 

I have also attached numerous emails I received almost daily from Equifax. 

I have attached the response from a place I attempted to rent but due to Equifax 's errroneous reporting and no response to me, I was asked to put down a {$3000.00} deposit. 
My previous complaint is XXXX.
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: EAST WEST BANK (CA)

Apparently one of my previous employeer used my ID card ( fake ID with his photo on it ) and my social to open a bank account with Eastwest Bank. From what I was told by FBI, this guy was involved in money laundering and drug trafficking and this account was probably used for that. I recently received a mail from XX/XX/XXXXXXXX XXXX telling me that I have a cashier 's check for this account and that is when I found out about the existence of this account. 

I have contacted the bank and asking them to investigate this issue, but I doubt the bank is following the right procedure to approve opening bank account as my employeer could use fake ID to surpass their security. This is a big problem as you have no idea how many accounts are opened under fake ID and used for crime and related activities. 

Since I have told the same infomation to Eastwest Bank, I have not gotten any updates on the investigation which led me to believe their process could be flawed.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (NJ)

I sent a letter asking XXXX, XXXX and equifax to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681iXXXX, XXXX, and equifax have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.
Consumer complaint received 2023-07-18
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. (CA)

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 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.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IL)

I opened my personal email today. And the title of that email from XXXX XXXX was : on or about XX/XX/XXXX you received a deposit for {$1600.00} on your checking account I opened my email and to my surprise I noticed that Wells Fargo without my AUTHORIZATION OR REQUEST disclosed to a third party all the account activity ALL DEPOSITS and ALL CHARGES since the account was opened. 
I spoke to Wells Fargo 6 times today and no one was able to explain how that could have happened. This is a gross violation of my privacy. I feel my data is totally insecure if Wells Fargo can be so careless. 
The complain reference I was provided by Wells Fargo is : XXXX
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

XXXX had been charging my card for the same service twice. XXXX XXXX. I spoke with a csr and she said that she spoke to technical support and that I shouldnt do that. I was being charged XXXX for a storage plan and then an additional amount for the XXXX XXXX plan. She corrected the error however said that she couldnt refund my money for that almost 1 year of time I was charged.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-07-18
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
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. (NJ)

In XX/XX/2023 Someone tried to open a credit cared in my name under a XXXX XXXX  fraudulently. i noticed on my credit report and in XXXX i called all threee credit bureaus.They didnt want to help me and remove the hard inquiry as i kindly requested. I dont even know what this bank is.i immediatly put a credit freeze and alerts on all of my accounts to prevent any further fraudulent attempts to run credit cards in my name.Please remove this hard inquiry from XXXXXXXX XXXX in XX/XX/2023 from all three credit reporting agencied due to fraudulent activities.
Consumer complaint received 2023-07-18
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}
Consumer complaint received 2023-02-24
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: Nelnet, Inc. (IL)

I have not giving anyone consumer reporting agencys written instruction to use my information or to add the deragotory Items to my credit report.

15 U.S Code 1681b permissible purposes of consumer reports
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered these report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX CO XXXX Balance Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX  XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX CO XXXX Balance XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023