davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
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)

Dear Sir/Madam : THIS IS IN RESPONSE TO COMPLAINT : XXXX-XXXX YOU ARE ALLOWED 30 DAYS FOR A COMPLAINT RESPONSE On XX/XX/XXXX, I have sent letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2020-01-31
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. (DE)

transunion and XXXX  giving my credit report to companies without my consent. 
companies accessing my report without my consent These companies illegally pulled my credit unnecessary and with out my approval XXXX XXXX XXXX XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX XXXX XXXX, on transunion XX/XX/XXXX on
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

My mortgage was sold on XX/XX/XXXX. My former mortgage company auto-debited a half payment on XX/XX/XXXX. This payment was debited for a closed mortgage account. The bank was not authorized to take this money. The bank sent me a letter in XX/XX/XXXX notifying me that the mortgage was being sold and that the auto-debit would stop.

I contacted the bank. The person on the phone agreed that this payment was not authorized and is sending to a " transfer '' department. It takes three to five business days for the department to review the activity.

The bank was not entitled to the transfer. The bank lacks the internal controls to ensure that payments are not auto-debited from closed accounts. The bank will not process a refund immediately. The payment was in excess of {$2300.00}.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was unable to make my payments on time for my Capital One credit card due to a job loss. My job ended for a 90 period in XX/XX/2018 due to the rules of the company I was working for. It was intended that I would o back to work in XX/XX/2018. When this happened I informed Capital One that I may have some issues in making my monthly payments but would be back on track and pay any past due amounts as soon as I was back to work. I kept in communication with Capital One the entire time with updates. In XX/XX/2018, I was informed that the job I was slated to go back to was delayed until XX/XX/2018. I informed Capital One. I was informed on XX/XX/2018 that the job I was slated to go back to was no longer available to go back to. I informed Capital One again and even made a {$300.00} payment on XX/XX/2018 to pay all past due amounts and get the account current. I began searching for work and informed Capital One that I would not be able to make monthly payments until I found work. I found work in XX/XX/2018 and paid all past due amounts as well my current XXXX payment with a payment of {$330.00} on XX/XX/2018. I made an additional payment on XX/XX/2018 of {$87.00} to cover my XXXX monthly payment only to find that my credit card was placed in a restricted status by Capital One. I called and spoke to representatives at Capital One beginning on XX/XX/2018 to find out why my card was restricted when I had everything paid up to date and to have the restriction lifted. I was told by Capital One that my card was restricted because back in XX/XX/2018 my account had become 120 days delinquent. When I made the XX/XX/XXXX payment of {$300.00} I was offered a program to have the restriction lifted. The rules of the program were that I would have to make 3 consecutive on time payments to have the restriction lifted. I was NEVER informed of this program or it's rules and was done without my agreement because at that time I didn't have a job and therefore could never commit to making on time payments. I was also informed that this program started in XX/XX/2018. Capital One also informed me that they would not lift the restriction because I was placed in a program and did not adhere to the rules of making 3 consecutive on time payments. The issue is that Capital One refuses to lift the restriction on my credit card because I did not adhere to the rules of a program that I was never notified I was in. They claim they sent me a letter on XX/XX/2018 but the letter was never received by me. They claim that the letter would have also been online when I went to my account and to this day there are no documents online. I am basically being punished for breaking rules of a program I was fraudulently placed in to begin with and that is wrong on all levels.
Consumer complaint received 2022-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, I have reached out to Experian and I have mentioned that there are inaccuracies listed on my consumer report with 3 accounts. The accounts are XXXX XXXX and an XXXX XXXX collection account. This account along isn't reporting on any other credit agencies and only on Experian. I also noticed inaccuracies on the dates of open, dates closed, due date, address, and many more inaccuracies were found on my consumer report. The accounts were removed and placed back on to my consumer report without my knowledge. I've contacted the legal department at Experian and explained the inaccuracies on my consumer report. I also ask in the investigation of receiving results of verified, I want to know what method of verification was used, who did, when, where, and how? Which method was determined the factor of verification, share that with me, give me a name, person, what method was used?. By consumer law I have the right to ask and know what was the method of verification and be given an answer. I am looking for the inaccurate accounts be removed immediately and permanently. Along the line there are several inaccuracies, violations of my rights and more. Defamation of character, distress has caused mental issues upon myself and if this continues to become a problem, I won't hesitate to pursue legal matters in the near future.
Consumer complaint received 2020-06-04
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: CITIBANK, N.A. (CA)

XXXX  Credit Reporting Bureau received my request for re-investigation of disputed information on XX/XX/2020 as provide by certified receipt. XXXX  failed to conduct a re investigation of my dispute and they failed to notify me of their decision to terminate a re-investigation ( if such a decision was made ) pursuant to Civil Code 1785.16. 

Upon my request for re-investigation of the disputed information pursuant to my letter to XXXX  dated XX/XX/2020, consumer law requires that they re-investigate and record the current status of the disputed information before the end of the 30th business day period beginning on the date they received such notice of the disputed item from me.

Since the end of the 30-business-day period has elapsed on XX/XX/2020, XXXX  must delete the inaccurate information immediately pursuant to Civil Code 1785.16 ( b ). Despite that I again notified XXXX  of the problem on XX/XX/2020, XXXX   continues to ignore my requests as if their modus operandi is to make it as difficult as possible to the consumer to remove inaccurate information. To date, XXXX  continues to report the inaccurate information on my consumer credit report from them.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not give you written consent to furnish my consumer report to my local child support agency. This is illegal to communicate according to 15 usc 1681b. Show me the proof i gave you my written consent as i have never given any court or a consumer reporting agency to communicate amongst each other regarding my consumer report. This is identity theft by you doing so and i am demanding deletion as a consumer and natural person because my rights are being violated.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a notification from Transunion, XXXX, XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, Transunion and XXXX to delete collection immediately or I will be suing within 30 days.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION ()

Its been 3rd day now and i did not receive the money that was sent to me, i received an email from XOOM that says it was deposit in progress and after that there were no more updates. Sender said it was sent successfully but I did not received anything.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (PA)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
Consumer complaint received 2018-04-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recoveries, Inc. (TX)

My student loan is in default. I attempted to remedy this inXX/XX/XXXX, but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either.

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX however upon callingXX/XX/XXXX I was advised it is being held with National Recoveries. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment.

The garnishment has already taken place (XX/XX/XXXX) and I still have not received any form of notification as of XX/XX/XXXX
Consumer complaint received 2023-04-10
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-06-10
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. (LA)

I see and hard inquiry on my credit report that I don't know anything about from XXXXXXXX XXXX XXXX XXXXXXXX phone number is XXXX their address is XXXX XXXX for XXXX  in The XXXX Texas it happened on XX/XX/2021 XXXX
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (DC)

TO DUE NOT HAVING A PHONE NUMBER THAT I DO NOT SUBSCRIBE TO, OR OWN, COINBASE IS REFUSING TO ALLOW ME TO WITHDRAW FROM MY ACCOUNT. 

At this time the Coinbase continues, AND I MEAN, continues to engage in practices that makes it difficult to retrieve my cryptocurrency. I can not withdraw because the company is asking me for a phone number, XXXX That's right, A PHONE NUMBER! I no longer pay a XXXX to use that phone number, and I can not input my new number XXXX, unless the old phone number is on. I no longer have that old number and it is not my number, it belongs to XXXX XXXX, not me. Until this company allows me to have unfettered access to my account, I maintain that they are making it difficult to keep my XXXX XXXX.
Consumer complaint received 2023-04-10
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. (GA)

Date of inquiry XX/XX/, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.
Consumer complaint received 2022-06-13
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. (AL)

I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since 2019 so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit & Collection, Inc. (TX)

NATIONWIDE CREDIT & CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Above company has reported a debt collection amount of {$840.00} to XXXX and other credit companies which has reduced my credit score.
Consumer complaint received 2023-04-10
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2022-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

As per the CARES Act, I called Aidvantage on XX/XX/XXXX and made two requests : 1 ) That all payments made to my Federal Student Loans between the dates of XX/XX/XXXX to XX/XX/XXXX be refunded to me and 2 ) To request that my future automatically scheduled payments be paused until the end of the moratorium.

During said phone call, I was advised that a refund in the amount of {$2100.00} would be directly deposited into my bank account in 2 to 3 weeks. During this same call I was also advised that all of my future automatically scheduled payments would be paused and would not resume until XX/XX/XXXX. 
On XX/XX/XXXX, about a week after the phone call above, a payment was automatically drafted from my bank account in the amount of {$94.00}. I called Aidvantage to request that these {$94.00} be refunded back to me in addition to the previously discussed {$2100.00}, and again requested that my future automatically scheduled payments be paused. During this phone call I was advised that both refund amounts of {$2100.00} and {$94.00} would be refunded to me via direct deposit by XX/XX/XXXX. The {$94.00} was refunded to me on XX/XX/XXXX. 
Since the phone call made on XX/XX/XXXX, I have made four ( 4 ) additional phone calls, and I check my account profile online for status updates regarding the refund amount of {$2100.00} multiple times a day. 
During my most recent phone call with Aidvantage on XX/XX/XXXX, I was told that the refund in the amount of {$2100.00} should be refunded to me via direct deposit within 5-10 business days. However at the time of this writing I still have not received the refund of {$2100.00} nor has my account online been updated with any status updates. At this point I feel that Aidvantage is purposely withholding my refund. Without the assistance of the Consumer Financial Protection Bureau I do not believe I will ever receive this refund.