davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with accounts.
Consumer complaint received 2021-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I called TransUnion to go over mistakes, inaccuracies, data errors and violations of the Fair Credit Reporting Act. One representative was very rude and would not allow me to go over the disputes. In addition to that there were numerous times when I asked questions and I was put on hold without prior knowledge. When I asked if the representative XXXX heard my question it was completely ignored. He told me that he needed information to pull up my consumer report, he asked numerous times when it was given in a very clear manner which as a consumer per 15 USC 1681 ( a ) ( 4 ) was not respecting my privacy as a consumer.The representative could have been asking me to constantly repeat information just to write down and take me information. I also asked if I could file a dispute and he willfully disagreed. When asked about inquires he told me he could not remove them. When asked why the only details that were given was " We have to follow a process '' .Then the representative hung up on me. I called again and attempted to get into contact with TransUnion again with another representative, once again who failed to help me as well. In addition to that TransUnion are also in clear violation with 15 USC 1681. Attached below is a letter showing the exhibits.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. Without my knowledge a XXXX XXXX credit card was issued. The XXXX XXXX XXXX XXXX was created without speaking to me. A fake email address and my old address was used. As soon as I found out I have contacted XXXX XXXX multiple times, XXXX XXXX and all the credit bureaus. I have disputed with credit bureaus and have not received accurate results. TransUnion have violated 15 u.s.c 1681 code. I will speak to them over the phone and they won't do thorough investigation and send me result but based on what. I want to know what investigation was done to verify that fraudulent account as accurate. They removed that account from my credit report just to put it back again.

I am in process of buying an apartment I desperately need my credit fixed. I am a very responsible consumer.

Please remove this inaccurate information TransUnion as you are in violation. 

Provide me with a proof that I used up XXXX us dollars. Why should I be responsible for something that was done fraudulently. I am a victim here.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has denied this and I need your help PLEASE! 

Wells Fargo Bank XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX On XX/XX/21, I was contacted via my computer with a SCAM. I immediately replied to XXXX that I did NOT even know what XXXX was, nor did I know who this person was. Within minutes, I received another email that {$3400.00} had been taken from my XXXX account. 

We immediately went down to our local branch in XXXX XXXX XXXX branch and spoke to XXXX. She closed our account and initiated a request for a new account. While on hold with the Fraud Department, her phone was cut off at noon ( since bank closed for XXXX XXXX at noon? ). 

We went home and I immediately contacted the Fraud Department myself. I advised them that the transaction for {$3400.00} was a SCAM I have NO IDEA who the person was who was initiating a XXXX transaction for this amount. I also had NO IDEA what XXXX even was until the Bank representative told me. Apparently this is something that someone has to initiate with their account # or something and we did not do this. 

There was another XXXX request the next day simply stating that someone wanted initiate something but no amount ever went through on this. It was a different person 's name but both were XXXX requests. They may even be 'working together ' on this SCAM.

Whoever this is needs to be reported. We have requested that NO XXXX TRANSACTIONS be processed on our account and the local branch has assured me that this is done now. 

Please reinstate this {$3400.00} credit to the account. It is a totally false transaction and it is not fair that I have to have this case closed because XXXX states they can do nothing further. Another bank would have investigated this further and found out exactly who these individuals are.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Omnipoint Capital (PA)

Omnipoint Solutions contacted my mom and attempted to get information about my mortgage and if my mom was a co-signer. She is XXXX XXXX XXXX so she believed that the person calling was trying to seize my property. This may be over a {$1500.00} debt not related to my mortgage.
Consumer complaint received 2021-10-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

customer service at TransUnion would not help and take care of the negative inquiries reporting to my credit report. From XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I did not approved i already had a letter from XXXX  XXXX with a pre approved loan for my car. 
Total of 11 inquiries Please help
Consumer complaint received 2024-02-29
Product: Credit reporting 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. 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 2023-03-16
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. (GA)

A closed account on my TransUnion credit file, XXXX XXXX, began reporting multiple incorrect late payments. After speaking to XXXX XXXX XXXX, they informed me that they had NOT reported any late payments since my account closed on XX/XX/2021. They then sent me a " payment delinquency statement '' that shows the pay dates of every payment. 

I immediately called TransUnion to dispute and was told to upload the document via the online dispute center. I could not do so, and called TransUnion for assistance in uploading my documents. Every-time I got on the phone with a technical rep, the line disconnected. I called multiple times in 2 days and the same thing kept happening. 

I want my credit report corrected and updated by REMOVING these late payments. Attached is the statement that was sent to me by XXXX XXXX XXXX with an updated payment status.
Consumer complaint received 2022-03-08
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. (NY)

EXPERIAN RECEIVED DOCUMENTS STATING THAT THEY DID NOT DO THEIR DUE DILIGENCE AND ALLOWED FOR THIS COLLECTION TO LINGER ON MY REPORT. I ENDED UP GETTING IT DELETED AND EXPERIAN UPDATED AND DELETED IT I WANT TO GET COMPENSATED BECAUSE MY CONSUMER RIGHTS WAS VIOLATED UNDER THE FCRA. I AM ENCLOSING THE INFORMATION THAT I UPLOADED BEFORE THAT NOTHING WAS DONE THEY CLAIM THAT THEY DONT SEE IT ON FILE BECAUSE IT WAS DELETED. DELETION IS ADMISSION. EXPERIAN DIDNT DO THEIR INITIAL INVESTIGATIONS. I GOT IN TOUCH WITH THE XXXX OFFICE OF CONSUMER FRAUDS AND PROTECTION. I WILL GO FURTHER IF I HAVE TO. ACCORDING TO 15 UCS 1681N. I AM ENTITLE TO COMPENSATE. I HAVE PAPER TRAIL IF THEY WANT TO TAKE THIS THING FURTHER I HAVE TIME AND PATIENCE.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount. 

I have not heard back from this company in regards to my request. 

This company has failed to get back to me within the 31 day period, so they are already in violation. 

This company has sent me letters threatening to sue me for this amount
Consumer complaint received 2022-03-08
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. (MO)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXXI Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-03-08
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. (NY)

I have already sent a request for the immediate removal of the accounts this XXXX XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX, IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2018-08-05
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim my first payment was never received which it was and my payments are current so why are you showing them late.

This is a formal notice that your erroneous claim ( s ) is/are now disputed.

1. Payments are not being reported accurately 2. Not showing in dispute on report 3. Reporting negative info about me while in dispute I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I also want my report to be void of all late and negative items. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (LA)

They are overcharging me. I ca n't get ahead. They are not helpful in any way. They will not work with me so that I can repay what I owe. Due to my financial circumstances and being a single mother it is already a struggle to repay and they will not budge or work with me. It 's ruining my life. The loan amount keeps increasing and I do n't know why. This is having a really negative impact on my credit which is hindering me from moving forward in my life in any way. I ca n't buy a house or finance anything at a reasonable rate. Help! I am also trying to further my education but without loans since I 've had such a horrible experience. Something has to be done.
Consumer complaint received 2023-01-30
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Once again I reached out to Capital One and they will not lower my monthly payments so I can continue paying them at a amount I can afford right now. I offered to pay {$65.00} a month on my 2 cards so that is {$130.00} total. They tell me they have no hardship program for me. So I am trying to keep paying them but they will not work with me. I am 3 months late on one account and 2 days on the other one. I have been calling the agent that was supposed to be working with me for 3 days and leaving messages with no call back. So today I ask for a new agent and she said there is no program for me. I have had a great payment record with Capital One all the way till this point. I am trying to do right and not run from my debts but they dont want to help. At least they would be getting something rather than nothing! Please Capital One help! Thanks
Consumer complaint received 2018-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (SC)

From XX/XX/XXXX to XX/XX/XXXX : Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX XXXX XXXX XXXX '' From XX/XX/XXXX to XX/XX/XXXX SAME COMPANY Funds of {$49.00} withdraws by Company name as appeared on bank statement " XXXX XXXX  " Since last 5 years they are taking about same amount from by business checking account. 
Please, do the NEEDFUL for it.