davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (PA)

I wrote a hand written letter to Transunion exactly a month ago regarding some hard inquiries that was reporting on my credit report that wasn't mine. I called yesterday to talk to someone about it, and I explained to them that I did not authorized any of the inquiries and that they should be deleted, by the way I talked to someone in the fraud department. I was told that the inquiries would be deleted within 24 hours and that they would send me an email and they would also be sending out a updated report of my credit. 24 hours passed so I called again just to make sure things were still in motion. I talked to a supervisor who I explained my problem too. He told me that what his employee told me was inaccurate and that my hard inquiries would not be deleted. I just don't understand because if someone told me something how can you just say otherwise. I also asked if the calls were recorded and also asked could he see that I spoke with someone yesterday and he said no. Now I don't have a recording of the call but thank god I took a screen shot of the time and date of the original call when the representative explained to me that my hard inquiries which I didn't authorize would be deleted within 24 hours.
Consumer complaint received 2024-03-20
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. (PA)

XXXX is in violation of 15 USC 1681 2 ( a ) : A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. I have not given permissible purpose nor consent to report these " Late payments '' or share my individual privacy. XXXX is effecting my credit worthiness. I demand correction under the FCRA.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I signed up for a {$XXXX} credit report and free trial for credit monitoring services from Transunion on XX/XX/XXXX and then cancelled the service the day after so that I wouldn't be charged for their services on a monthly basis. I have an email verifying that I cancelled the service on XX/XX/XXXX. At the bottom of the email it says " You may REACTIVATE anytime by simply logging in. '' I was receiving free credit monitoring services at this time from another company due to a security breach when I worked for the XXXX. I confused the different services and mistakenly logged back into my Transunion account at some point in the weeks that followed. Upon me logging in, Transunion automatically signed me back up for monthly services without my knowledge. They provided no notification that they had enrolled me and had began charging me on a monthly basis. They began sending me monthly " credit update '' emails, but none of these indicated a monthly charge was taking place. I was still under the assumption that these emails were related to my other free credit monitoring service. The first monthly charge occurred in XX/XX/XXXX and continued until I realized what was taking place in XX/XX/XXXX. 15 monthly charges of {$XXXX} had taken place, totaling over {$XXXX}, that I never knowingly authorized. I called Transunion and explained that I never agreed to these charges and had not been using the service, but they refused to refund any charges. I consider this way of business to be extremely dishonest and unethical. I don't think it should be legal for a company to operate in this way. A customer should be notified if he or she is being charged for a service and EXPLICIT consumer consent should be obtained prior to any monthly service initiating.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Asset Management Outsourcing, Inc. (FL)

On XX/XX/18, XXXX XXXX XXXX reported alleged debt for alleged medical services, which adversely affected my credit. XXXX XXXX XXXX failed to ever provide notice of any debt, identify any debt, attempt to contact me to discuss alleged debt, and may have acted fraudulently in reporting the alleged collections efforts. XXXX XXXX XXXX is unresponsive to my efforts to correct their error. As the result of XXXX XXXX XXXX ' intentional misrepresentation and/or egregious negligence, my credit score has been negatively affected. I would like the error corrected immediately.
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc. (CA)

XX/XX/XXXX I received a letter from IC Systems XXXX XXXX XXXX XXXX, MN XXXX regarding a XXXX bill that I had already informed XXXX that I could not pay and was XXXX  XXXX  when the contract was signed. I have had XXXX for 18 years and have no assets or ability to pay and to cease and desist meaning do not contact me. I advised IC Systems by phone and letter to flag my account. XXXX was again copied on that letter. Then XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, Fl. XXXX so notified them regarding my situation and copied XXXX again. Then today XX/XX/XXXX I receive another letter from a third collection agency called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX , MN XXXX demanding payment. All four companies have been notified to Cease and Desist yet they continue to contact and harass me for this bill. What company has a XXXX  XXXX  XXXX  with no assets buy five phones except for sales commission and greed and send collection accounts to three agencies within nine months.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (OH)

I applied for a new car loan with Navy Federal Credit Union ( NFCU ) in the amount of {$40000.00} with a trade in ( XXXX  XXXX XXXX ) as well as a {$5000.00} cash down payment. I have an income of {$4200.00} per month and my monthly housing cost is {$1000.00}. 
During the application I was instantly denied. I initially thought this denial would be due to my XXXX credit report being locked. I mistakenly forgot to unlock it prior to the application. However once I received the statement of credit denial, the reason listed is " EXCESSIVE CREDIT OBLIGATIONS IN RELATION TO INCOME ''. 
This information confused me due to my DTI being well below 35 % based on information in my application. Additionally, this decision was made without NFCU having access to my credit report. 
I called NFCU for an explanation on my " excessive credit obligations '' and after being transferred to many different representatives, I was told by XXXX who represented herself as a supervisor, that my DTI is too high. I asked for a review and explanation either by phone or in writing as to how it was determined that my DTI was too high and was told that there is no one above XXXX who will talk to me on this matter. I was also advised that there is no recourse or escalation process that will get a response. I mentioned that the decision felt discriminatory without using my credit report or any further explanation on how my DTI is considered too high and was told that no financial institution is obligated to explain. I requested a complaint be filed for suspected discrimination and was told that I may be contacted but no one would discuss the credit denial with me any further and if I wanted an explanation beyond the letter I have, that I had to re-apply for credit. 
I will not re-apply without an actual explanation on the denial in the first place. I would like this complaint to initiate an investigation into the lending practices for NFCU.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$490.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$100.00}.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NE)

This was around XXXX. I was told by Wells Fargo. That XXXX or so was deposited in my account I didn't know about. I was told they took back the check. I emailed that my account had a negative balance. When I called to ask about it then told all about the money being deposited. Which I then disputed everything because I didn't know about it. I was told by Wells Fargo according to them I did deposit they money. I was out and owed them the money back. After at least 5 or so complaints to them, nothing they could do. Even after I did a fraud application and everything.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

As part of debt consolidation, XXXX XXXX XXXX XXXXXXXX, XXXX ) sent a number of checks to pay off my credit cards, including my CITI Custom Cash credit card for {$2900.00}. All checks to each creditor were mailed out o/a XXXX XX/XX/XXXX, with all but CITI receiving and crediting my accounts by XXXX XX/XX/XXXX. By the end of XX/XX/XXXX, CITI had still not received/processed the check ( # XXXX ) within 30 days, so I contacted XXXX who placed a stop payment on the first check, and sent me a second check ( # XXXX, see attached upload ). On XXXX XX/XX/XXXX I mailed the second check to CITI 's " Express Payment '' address in XXXX, KY, with a receipt signature requested. The check was received XXXX XX/XX/XXXX in XXXX and signed for by XXXX XXXX. 

Several times over the last three days Ive spoken to numerous individuals in a foreign country who had absolutely no concept of the CITI " Express Payment '' processes or procedures. As of this writing, I've had to make two payments since the first check was mailed XXXX XX/XX/XXXX. CITI should refund both payments, with the interest they've gouged me for over the last 45 days.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

The Credit Bureau stated that this account : " DISMSD/CLSD XXXX '' : Bankruptcy- was properly investigated, but how is that possible if the courts never reported to the XXXX as per document that is attached? The Credit Bureau 's did not have permission to document inaccurate and false information. This is ground for removals and they violated my rights. I tried to reach out to them via mail and still not response. The law states if it can not be proven, then it needs to be removed. XXXX demands these accounts to be deleted immediately or I will follow for litigations for stress and suffering its causing me. 


The law clearly states a consumer reporting agency can not furnish a account without my written permission. Please remove this account.
Consumer complaint received 2023-01-16
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. (FL)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (NC)

I never received my XX/XX/2018escrow refund, even though Atlantic Bay claims they gave it to me. This amount is {$510.00}. This check needs to be reissued, since my escrow account falsely shows this check to have been deposited, when in fact it was not.
Consumer complaint received 2021-12-15
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. I have attached my Documents below.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (LA)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (AL)

To whom it may concern : Account Name : Lnlv funding You are reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.