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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-10-10
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 (AZ)

-I went to XXXX on XXXX - the charge was showing pending on my accounts -On XXXX the charge was gone and now showing " Dept Pending Correction '' for the same amount. 
-Wells Fargo

did not notify me that the charge didn't go through and it is still pending. -It seems sketchy
Consumer complaint received 2023-06-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

This debt collector company bought original debt from XXXX  XXXX that I owed back in XXXX XXXX  XXXX. How are they able to report it to my credit report after the 4 year status of limitation payday loans have. I just showed in my credit report couple weeks ago for the first time. I called debt recovery solutions and asked them how come I have never received any physical mail that show my debt and they responded that they send it a year ago but I never received anything. Till today I havent received anything. Can payday loans report to your credit report? I read that payday loans companies are not allowed to report it to your credit report or sell the debt to a collector. But if they could its passed there 4 years of statutes of limitations. Please help me resolve this its messing up my credit report. 

DEBT RECOVERY SOLUTI Reported : XXXX. XXXX, XXXX - {$310.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$310.00} Highest Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

XX/XX/XXXX, I uploaded to Select Portfolio Servicing, Inc.s website a hardship letter that disclosed I have a XXXX XX/XX/XXXX, I uploaded to Select Portfolio Servicing, Inc.s website a hardship letter that disclosed I have a XXXX. 
XX/XX/XXXX and XX/XX/XXXX, I submitted a reasonable accommodation and modification request. 
XX/XX/XXXX and XX/XX/XXXX, I emailed the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. and made a reasonable accommodation and modification request and disclosed my XXXX and attached medical documentation and stated that I was applying for SSDI and that I felt they were discriminating against me because of my XXXX. 
XX/XX/XXXX I emailed that I am a person with a XXXX to the following : XX/XX/XXXX, XXXX response to the mortgage assistance required documentation, I uploaded medical documentation to Select Portfolio Servicing, Inc.s website. 


This was the denial : SPS has reviewed your request for workout assistance on the above referenced account. We are unable to approve your request for assistance involving a Short Payoff. 
We determined that we are unable to assist you in this proposed arrangement because the offer received was not sufficient.
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have not received my work check ( direct deposit ) into my Wells Fargo account twice since I have been a member. The banking system has a glitch and is freezing accounts without our knowledge. I have received over-drafts due to the bank not depositing my funds.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: Self Financial Inc. (TX)

On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NC)

Wells fargo blocked a transfer I made on XX/XX/17 for XXXX without informing me. My trust account was removed. I was told to add I again, what difference will I make. I need to prevent these things from happening
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2023-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

XX/XX/ Debt showed up as a collections, with the original creditor named XXXX but the debt was sold to IC Systems XX/XX/ Company sent letter to resolve unknown debt, and settle for a less amount. 
XX/XX/ Attempt to contact company to dispute the unknown debt, company did not answer
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX ( original XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXXccount XXXX, XXXX XXXX ( original XXXX Capital XXXX XXXX A account # XXXX, XXXX XXXXt # 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 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 agency can not furnish an account without my written instructions
Consumer complaint received 2023-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/23 I scheduled a transfer from my Chase savings account to my XXXX savings account. This was the third scheduled transfer to that account in the last week. 
For the first two transfers, I received a text from Chase to verify the amount of the transfer and I replied " yes '' that I had requested the transfer through my online account. 
On XX/XX/23 at XXXX : For the third transaction I received a call from someone claiming to be from Chase fraud alert, wanting to verify my identity. They called my phone number but the caller ID was just the number XXXX. They asked me to give them a code that would be sent, but I asked how could I verify their identity before I gave them any code. They could not offer any way to verify their identity so I said I would call the Chase bank customer service line myself and verify the transaction. 
I called Chase customer service for this purpose and found that they had locked my account, canceled the transaction and removed the XXXX account from the transfer options. I wad very upset with this and pointed out the inconvenience to me the customer to have to redo all of the steps of registering the account and requesting the transfer again which would take several days. 
I pointed out that their process was flawed in that me as the consumer could not verify their identity from an incoming phone call. 
Due to this flaw, I was subjected to emotional upset and inconvenience while I waited on hold to talk to customer service, then be transferred to fraud unit only to learn I would lose time and potential interest earnings because of their actions. 
They need to fix their process, no wonder the criminals are tricking consumers.
Consumer complaint received 2023-02-28
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. (TN)

I never signed consent to share my information 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

My debt was purchased by National Credit Systems from my former apartment complex XXXX XXXX XXXX. 
When I left XXXX XXXX apartment complex, I was on a month-to-month lease and had a non-refundable security deposit that was used for cleaning and minor fixes. I paid my final month 's rent and asked the property manager if there was anything else that needed to be settled before I moved out and she confirmed that I was in the clear. 
I did not get any notice about this debt until a year after I had already moved out and it was not from Avenue, it was from the collections agency. 
My apartment was riddled with mold for several months, the apartment management knew this and neglected to inform me- I didnt learn about it until 2 months after they knew, and I only found out because my downstairs neighbor was talking about it. 
I do not owe them any amount of money and I have seen the criminal things they've continued to do to other residents since I've moved out ( it was on the local news ).
Consumer complaint received 2023-06-19
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

My NAME is XXXX XXXX XXXX. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Also please delete the following inquiries that do NOT belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2022, I applied for a Chase Freedom Credit Card with 0 % Into APR for 15 months on all purchases and balance transfers. I enclosed a letter saying if I can't get a {$4500.00} credit line to transfer the full amount from XXXX over, then I don't want to open a credit card with Chase. On XX/XX/2022 I received a Fraud Alert from XXXX Flex Account. I replied I didn't have a card and yes it was fraud if the card was used. Then i got a letter from Chase on XX/XX/2022 saying they will transfer {$1900.00} from XXXX and I could cancel it by XX/XX/2022. It was past this date when I received it. I called them telling them what was going on and I didn't have a card yet and didn't want a account with them. I was hung up on. Now i got a bill for {$2000.00}. It has a fee charge of {$59.00} added on. This if Fraud on Chase XXXX XXXX.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I recently sent in report expressing to the XXXX major private credit bureaus that the following accounts are not mines, nor did I give any agency permission to report any account on my behalf to any third party or private agency .There are many consumer laws to protect the privacy of individuals like myself. 

I'm demanding that the following unauthorized accounts be removed from my consumer / credit report. 

1. XXXX XXXX, a duplicate double account reporting and both needs to be removed immediately. 

2. XXXX XXXX XXXX XXXX. The XXXX XXXX 4. XXXX XXXX 5.XXXX 6. XXXXXXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX These accounts should be removed and blocked from my consumer report immediately.
Consumer complaint received 2023-06-19
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. (TX)

These account is reporting have different dates under date of last payment or showing a past due balance on a closed and open account. Stop reporting this due to FCRA noncompliance of an accurate data being furnished on my consumer reports. These also states it was in XXXX and XXXX when this was opened and closes this is over 7 years ago. To old to be showing on my credit report and should be removed from all credit reporting bureaus already
Consumer complaint received 2023-10-06
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

IN REFERENCE TO ACCOUNT XXXX XXXX COMPANY REPRESENTATIVE AGREED TO IMMEDIATELY REMOVE AND DELETE ACCOUNT FROM ALL CREDIT REPORTING AGENCIES UPON RECIEPT OF PAYMENT TO THIS ACCOUNT PRESENTLY COMPANY HAS FAILED TO FULFILL ANY OF THE ACCEPTED TERMS OF PAYMENT.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I previously sent XXXX update letters to all three credit bureaus to update my personal information, which is XXXX Experian, and XXXX. I've sent them XXXX different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history along with XXXX address, employer and phone number.
Consumer complaint received 2021-12-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with Equifax for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. XXXX XXXX XXXX was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with Equifax should read a charged off debt and not active revolving debt with monthly payments due. Moreover, XXXX  never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means XXXX  is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.