davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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)

A company is required to report accurate information on a consumer report. XXXX XXXX XXXX is using Coercion to try an make me pay for a debt not owed. They have reported false information on my consumer report without my consent or permission. I here by OPT-OUT of any assumed or presumed consent to share my nonpublic private information with 3rd party non affiliates. Any further reporting on my consumer repost will be a violation of Regulation P of the Code of Federal Regulation.

The original Creditor deals in securities and has failed to credit my account for the dividends made off the securities they hold in my name. This debt has been discharged in accords with the Securities Exchange Act and the Uniform Commercial Code.

Diversified has 15 days to remove this inaccurate information from my consumer report or Form 211 will be filed to have the account audited and a form complaint will be made with the Securities Exchange Commission. My private information is copyrighted and you are infringing by using my information in Commerce in and attempt to profit off it's use. I will be filling a Federal Copry Right Law suit against your company also.
Consumer complaint received 2023-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On Tuesday XX/XX/2023 a person claiming to represent Wells Fargo called to inform me money was mistakenly transferred from my bank account to a person in XXXX Florida at a XXXX  store, and my XXXX daughters. This person had information only me and the bank would have. He instructed my how to have my daughters transfer the money back to me using XXXX. They did, but the {$3300.00} money never appeared back into my account and went to the fraudster. The next day I filed a fraud report with Wells Fargo and my local Sherrif. Wells Fargo transferred money from my daughter 's accounts into mine and did not replace the money in my daughter 's accounts. We are missing {$3300.00} due to this fraud and trickery and Wells Fargo has not restored the money.
Consumer complaint received 2023-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (MA)

I discovered that Flagstar Bank, the servicer of my loan, had - for two years - been submitting tax payments for my neighbor. I first lodged a complaint with Flagstar Bank in XX/XX/XXXX. Flagstar Bank began servicing my mortgage on or about XX/XX/XXXX. The malfeasance on the part of Flagstar bank led to several penalties and interest costs from my property tax authority. Flagstar Bank has not, up to the time of this complaint, rectified the interest costs and penalty payments associated with their improper, incorrect, and careless actions.

Instead of rectifying their two years of careless, incorrect and improper property tax payments by refunding my escrow account for penalties and interest costs that arose due to their sole action, Flagstar Bank has instead proposed to *increase* my escrow payment. This is absurd- Flagstar Bank would have me remit an even higher monthly payment than I have done to date to rectify their reckless escrow underwriting process.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (MD)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ XXXX XXXX XXXX XXXXXXXX ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ XXXXXXXX XXXX XXXX XXXXXXXX ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

XXXX Charge card XXXX each XXXX charge cards XXXX each XXXX unknown cards addendum to the first complaint. this is XXXX attorney XXXX We were forced into a sale of a ring. We knew that we didnt have the credit to cover this type of transaction. We left the store without sufficient funds to cover the purchase. And still dont have the funds covered for the SCAM. And the next day, we tried to return it. But were told they would only give a store credit unless we had it appraised and it was less than the purchased price. We get home to find XXXX credit cards ( with a total of {$62000.00}. ) and additional money being requested to be on the cards that had been declined due to not enough credit resources. And we have rejection letters. Nowhere would we have thought there would have been numerous charges for XXXX item. And a balance for XXXX other cards we still do not know where they are. We were told the store will take on that balance at this time nothing has been said about who to pay or how much. So, we went and had the appraisal completed as per the invoice. And it came back with a Fair Market Value of approx. {$26000.00}. For the purchase price of a {$78000.00}. Ring. And stated this was a SCAM. This was totally a scam from the very beginning. We hired a Florida Attorney who was recommended by the Florida Bar. And she is dealing with XXXX Attorney that is also in XXXX Florida and they say we will have to go to XXXX XXXX XXXXXXXX for arbitration. The cost we have already had to come up with for something that we didnt and dont want is way beyond our means. Please let us know if there is anything that you can help with. In speaking with the HOT line they said this would be added to the original claim. Thank you XXXX and XXXX XXXX.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019, I received 2 missed calls from XXXX. They called me a 3rd time and I answered. The automated voice said that my XXXX  account was hacked and that I needed to take action immediately. Since I had just finished exam week in college, I didnt think that this could be a scam so i stayed on the phone. A man with an XXXX accent then got on the phone and told me I needed to hurry and purchase XXXX XXXX gift cards for the amount of devices I have in my household in order for me to save my XXXX. He told me to go to a website on my computer and ran a fake security check to make it seem like all of the security on my computer was hacked and I was going to lose everything on it. I started to panic so I went to the store. He told me to purchase a {$100.00} gift card for each device. At first I only bought one for my phone then he proceeded to tell me that I needed to buy 3 more for my computer, XXXX, and Tv. So I returned to the store and got 3 more. He then made me read off the number on the back of the card to him. He told me the {$100.00} giftcard wasnt enough to get my XXXX  back because it wasnt a high enough ranking security. He sent me an email with a receipt for a refund for {$400.00} saying that the money was back in my account ( which was a lie ). He told me I now needed to get a {$500.00} giftcard to get my XXXX  back. Luckily I had misplaced my debit card and I couldnt buy another one. He stayed with me on the phone while I was looking for my debut card and kept trying to make me use a credit card to buy the gift card. He stayed on the phone with me for over an hour while I searched for my card. I then proceeded to call my mother to ask her if she could send me some money to go get the giftcard because I was so scared to lose my XXXX. She told me to look up if this whole thing is a scam and it was so I got off of the phone with the man. He then kept calling me repeatedly but I didnt answer. I filed a claim with my bank, Wells Fargo, immediately. They said they cant refund me the money back. I will attach copies of the emails and my call log below. I am now missing {$400.00} and Im just a young college woman who doesnt have much. I just got paid {$800.00} and now half of it is gone and I only get paid once a month.
Consumer complaint received 2023-06-14
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. (GA)

I, XXXX XXXX, am the natural person and consumer identified under the FDCPA and FCRA. It has come to my attention that my right to privacy as a private individual, as outlined in Title 15 U.S.C 1681 ( a ) ( 4 ), has been repeatedly violated. I want to emphasize that I have never provided written permission, as stated in Title 15 U.S.C 1681 b ( 2 ), for any of these transactions to be posted. Furthermore, my credit card, defined in Title 15 U.S.C 1602, has been utilized without my written consent.

According to Title 15 U.S.C 1681s, it is your responsibility to enforce administrative actions. I must point out that the minor companies, namely XXXX, TransUnion, and XXXX, are liable, as per Title 15 1681 2 ( b ), for their failure to make sufficient efforts to maintain accurate information. Due to the inaccurate information present on my consumer report, I have filed an identity theft report with the FTC. You have 4 days to remove these inaccurate accounts after filing identity theft report pursuant to 15 U.S.C 1681 c-2 ( e ). Proof of identity has been attached also. Along with FTC affidavit. 


I am writing to urgently request the immediate removal of the following accounts from my credit 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  Furthermore XXXX I wish to remove the following inaccurate collections on my consumer report : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I kindly request your immediate attention and resolution of these matters. 

Sincerely 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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am submitting a complaint on the inquiries I have received from above. I have not authorized these companies to view my credit history. I am requesting to have the above credit inquiries removed from my credit report. I have not authorized these companies to view my credit history, and I believe that their presence on my report violates the Fair Credit Reporting Act.
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. (NM)

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.

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 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. (AZ)

XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the XXXX XXXX XXXX. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Consumer complaint received 2023-07-19
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or deleted from erroneous reporting in my file are listed on my credit 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
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CO)

On or about XXXX XX/XX/XXXX, I received through mail a letter from Resurgent Capital Services on behalf of LVNV Funding LLC dated XXXX XX/XX/XXXX. The letter stated that they were attempted to collect a debt I originally owed XXXX XXXX XXXX XXXX. I sent a debt validation letter back to Resurgent Capital Services on XXXX XX/XX/XXXX. I never received a response but on XXXX XX/XX/XXXX, I received an email alert from XXXX notifying me that LVNV Funding reported the account as a collection. They never responded to my debt validation request and in their letter to me dated XXXX XX/XX/XXXX, they listed how to dispute and also gave me a suspense date of XXXX XX/XX/XXXX. They didn't give me 30 days to dispute per law although I responded immediately but they also ignored their own suspense because the collection was reporting at least 3-4 days prior to their suspense of XXXX XXXX. This company clearly disregards consumer laws as well as their own internal rules. I deny owing Resurgent Capital Services/LVNV Funding LLC and I also reported the original debt that I had with XXXX XXXX XXXX XXXX as gross income on my XXXX tax return per IRS guidance XXXX
Consumer complaint received 2023-07-19
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. (TX)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information was reporting to my credit file held bt them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need the following items to be removed from my report as soon as possible : XXXX : XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX Interstate XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX {$0.00} ; XXXX XXXX Balance : {$8100.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-03
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. (PA)

There are several addresses that appear on my report that are incorrect my address is XXXX XXXX XXXX XXXX XXXX PA XXXX 1. XXXX has reported my account which was sold to another agency my personal information is now exposed 2. Many inquiries which I disputed are fraud I also want to add some closed and still appear on my file which I would like them deleted
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by the Fraudster XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to Fraudster. 

I would like to draw your attention to XX/XX/XXXX and XX/XX/XXXX, when I sent my complaint letters to Bank of America, in which I clearly stated how this scam has affected me personally, psychologically, and financially. They, however, didn't respond to either of the complaints.
Consumer complaint received 2023-02-03
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: Experian Information Solutions Inc. (MO)

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please evaluate the following accounts : XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00}. In accordance with the Fair Credit reporting Act, I am requesting that you correct m Credit File by correctin and or removing these erroneous information from my Credit File as soon as possible.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

ON XX/XX/2020, CHASE BANK WITHDREW {$17000.00} FROM ACCOUNT # XXXX TO BE DEPOSIT TO AN XXXX ACCOUNT. THESE FUNDS HAVE NOT BEEN LOCATED AND I HAVE TRIED TO CONTACT CHASE IN REGARD TO THIS TRANSACTION, THEY HAVE SAID THAT FUNDS WERE TRANSFERRED TO AN XXXX ACCOUNT BUT THE XXXX HAS NOT RECEIVED ANY FUNDS. I AM STILL PAYING MONTHLY PAYMENTS ON TO THE XXXX.
Consumer complaint received 2023-07-19
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items 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 XXXX