davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under : 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 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602. A States I have the right to privacy. 
Also I have no late payments ever been made but 5 late payments are being reported on TransUnion in the month and year XX/XX/2022, XXXX, XXXX 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 2023-12-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (ND)

I borrowed {$1500.00} from Maxlend. I had asked several times what the APR rate was and they danced around the answer. They told me they would charge {$170.00} per month and they have taken out {$170.00} per WEEK 3 times within a few weeks. Charging me almost 600 %. They didnt answer the phone when I called to dispute these unethical practices.
Consumer complaint received 2022-06-03
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. (TX)

I submitted disputes and requested validation of debts, I requested contracts with signatures, copies proving these accounts were investigated and properly verified. After months of waiting nothing was provided however creditors stated items were verified without showing or explanation to how. I also requested my name address be updated correctly and nothing was done. I am requesting all accounts reviewed, investigated as they are required by law. Please remove collection accounts and charge offs listed that arent mine or not verified.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Wrote letter to XXXX XXXX XXXX to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to Experian on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX.
Consumer complaint received 2022-06-03
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. (MI)

Wrote letter to XXXX XXXX XXXX to remove reporting as it was reported incorrectly and is paid. With no response submitted certified letters to XXXX on XX/XX/XXXX and XX/XX/XXXX to remove unverified account from collector as XXXX has submitted information that this information has been removed and all reports to reflect the most accurate details. Returned auto letter to me stating account verified when I have not received any verification details such as a contract with XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX.
Consumer complaint received 2022-06-03
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Flagstar Bank, N.A. (FL)

I have been paying my mortgage through online bill pay every single month for over two years on the XXXX of the month. On top of that I am over paying, the amount due is {$1100.00} and I am paying {$1200.00} every month. I used to be paying so that my payment was received by XXXX Bank in full on the XXXX of every month but their computer system processed that as an extra payment towards my principal and then charged me a late fee the following month, which is why I started paying in full on the XXXX of every month. 

Tonight, XX/XX/XXXX, at XXXX PM I received a robocall from Flagstar Bank telling me that they had an important message for me about my mortgage and to hold on the line. I stayed on hold for over 15 minutes before their customer service rep got on the phone and told me that she was a debt collector attempting to collect a debt. I asked her what month 's payment I had missed and she told me that the only payment that I was " late '' on was the payment that is due yesterday, and which I legally have until the XXXX to pay. 

I told her to look at my account and my payment history of over paying on my mortgage every single month and asked why I am getting harassed and why my time is being wasted by Flagstar Bank. She told me that it's just a courtesy call and she reviewed my account and saw that, as I told her, I'm over paying on my mortgage by an automatic online bill pay every single month. 

I told her that I don't want these harassing phone calls from Flagstar bank unless I'm actually late and that I am upset about being called and told that I'm late when I'm not late and I'm over paying on time every single month. 

Attached is my mortgage statement and payment history with Flagstar bank which documents that I am over paying every month and I am not late and I shouldn't have gotten that harassing phone call from their robocaller.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Based on the Consumer Law, the following companies are NOT allowed to report Transaction History. A Corporation can not report transaction history ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX helped me out by finding a way to check if my XXXXXXXX XXXX were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
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: EQUIFAX, INC. (TN)

I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX Equifax Mortgage Solutions : XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-06-03
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
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)

I have submitted multiple disputes regarding two collections on my credits which are paid account. I have sent documentation and dates they were paid and cleared my bank. Their investigation continues to conclude that the collection remains as unpaid. I paid almost {$900.00} of my own money I work hard to earn to pay these bills and they continue to tell me they are unpaid even with receipts and bank records.
Consumer complaint received 2022-06-03
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. (TX)

In Accordance With the Fair Credit Reporting Act XXXX Account # XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Purpose.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (TX)

In Accordance With the Fair Credit Reporting Act XXXX  Account # XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Purpose.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have posted late payments onto my consumer report in violation of 15 USC 1681 ( Exclusions from a consumer credit report ) I have attempted to get these incorrect items removed as they are causing damage to defamation of character as well as enablement of Identity Fraud. 

Please have the indication of lates deleted or removal of the entire account.
Consumer complaint received 2024-01-16
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: EQUIFAX, INC. (NY)

CREDIT BUREAUS REFUSE TO REMOVE PAID AUTO LOAN FROM XXXX XXXX FROM MY CREDIT REPORT. I HAVE PROVIDED NOTARIZED DOCUMENTS FROM CREDITOR THAT ACCOUNT IS PAID IN FULL AND CREDIT BUREAUS ARE STILL REPORTING A BALANCE ON MY CREDIT REPORT!
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (WI)

The Insurance company determined the vehicle was a total loss due to a drunk driver causing the accident. XXXX valued the vehicle at XXXX with was XXXX less than it was brand new a year and a half ago. All payments were made on time and all maintenance was done. The leasing company decided that it was their appreciation gained in the car therefore they are entitled to 100 % of the insurance payout. Throughout the lease we would get the month to month payout and we would know the end of lease buyout so we figured the the equity in the vehicle that we paid already over the year and a half we were due at least half of that. We assumed all the risk, payments and maintenance of the vehicle but due to circumstances beyond our control ( an at fault drunk driver hitting us ) we lose 100 % of the equity and XXXX downpayment and now left with nothing because the lease company decided, denying us any ability to appeal that they are the lease holder and are entitled to 100 % of the value of the car.
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Loans Companies XX/XX/2021 Equifax 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15U.S.C. 1681 Section 604A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Completed dispute With Equifax regarding a collection account showing on my report. Creditor/collection agency requested deletion of account from report. I sent this letter in with my dispute to have the item removed from my report. Equifax investigation results did not update properly and delete item from report. They simply updated the item. Debtor is XXXX XXXX XXXXor XXXX XXXX. The item has still not been deleted from my report even after this has been submitted in writing.
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (CA)

Below you will find the list of institutions that got a copy of my credit report in the past I have had no luck removing them with previous methods so this is my final resort. Please delete these inquires off my credit report. 

XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XXXX XXXX, XXXX, XXXX  inquiry dated XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX OF XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX.
Consumer complaint received 2022-06-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (CA)

I was sent a letter from XXXX stating that there is a debt from XXXX XXXX from someone else 's XXXX account paid on a bank account that is not mine. I have provided the information for whos debt it is and I have given them her drivers license number and her address yet I am still getting the correspondence. I even attached a letter from XXXX stating that the purchase was not done from me and on someone else 's account. 
I was told I can file a police report and label it as Identity Theft but there is no identity theft it was not my card used it was not my bank account used it was not my XXXX account used. I have spoke to XXXX a supervisor at XXXX multiple times. I have spoken to XXXX at XXXX. I have spoke to both XXXX and XXXX who are supervisors at Telecheck which have asked me to call XXXX and talk to their dispute department. When I called XXXX I was told by XXXX that the dispute department does not have phones and cant talk to anybody on the phone and everything has to be done in writing.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (PA)

Chime Bank has denied my and several hundred other customers their disputes. All while having proof of the fraud Chime just denies disputes and steals the money. They lie all the time. Their customer service just reads from pre scripted pages. No help what so ever
Consumer complaint received 2023-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (MI)

I have an American Express card that is shared with my partner, XXXX. XXXX has used this card for XXXX purchases in the past. 

Over the last several months, we have noticed charges for " XXXX XXXX Downloads ''. The amounts for these charges have varied over the past year when they happen. The bulk of them have been accompanied with a reverse charge at a later date, but not universally until the last several months. American Express links in their online statement to XXXX, but with insufficient detail to reach the transaction in question. 

On the XXXX side of the equation, XXXX disclaims any knowledge about these charges and is unable to locate anything about them in their system. 

XXXX 's card number has been compromised at least once in the last year requiring a new card to be issued. American express did not require any repayment of the suspicious charges. 

I am concerned that these unexpected charges that can not be confirmed by XXXX are actually a third party spoofing XXXX rather than XXXX itself. In an attempt to get further information after no resolution over chat, I submitted a charge reversal for XXXX of these charges ( charge transaction date XX/XX/2023 ). American Express responded on XX/XX/XXXX ( ref # XXXX ) that they would begin investigating the issue. 

American Express responded on XX/XX/XXXX ( same ref # ) that they've closed the dispute. " We gthered the attached documentation we needed to explained this charge, and we've determined you're responsible for the amount in question ''.
Consumer complaint received 2023-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

In XX/XX/XXXX, we applied to have a loan modification due to not being able to afford the mortgage. 

The loan modification was approved and we signed paperwork for HUD to apply {$24000.00}. The loan amount was {$110000.00} to start XX/XX/XXXX. This would make the payoff XXXX in XX/XX/XXXX. 

I have made all my payments since this time, and I am in process of refinancing my loan. US Bank is attempting to add a different HUD amount to my US Bank balance bringing my payoff XX/XX/XXXX to {$130000.00}. The error amount is {$14000.00} US Bank is not providing a payment history ledger showing how my payments have been applied. 

My current balance on their website is {$93000.00}. They are attempting to increase my current balance {$14000.00}. 

There is no way my current loan should be the same as I purchased the house for in XXXX. 

It appears US Bank misfiled the HUD amount and they are attempting to correct it to {$24000.00} from the {$14000.00}. In addition, they are wanting to add this to my balance, which is XXXX  % not correct. 

I am requesting US Bank to provide all documents of the proper HUD amount and ledger of my transactions from the time they assumed my loan from XXXX bank to the loan modification and after.