davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Transferred my Mortgage to XXXX XXXX XXXX  XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact XXXX  a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and XXXX were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. XXXX account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA XXXX  XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with XXXX been set up until AFTER legal services intervened. They have also reported that my XXXX payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that XXXX are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both XXXX and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. XXXX are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Consumer complaint received 2022-12-01
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-07-25
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, # XXXX, has violated my rights. 

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 2023-03-27
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX bank has impacted my credit score tremendously in a bad way I have noticed this account on my credit report and immediately called the company. The company basically said I have to pay even though I explained to them that I have no idea where this account came from. This account has been affecting my credit score a lot and I tried disputing with the company and nothing is working please help this has impacted my day to day life tremendously i finally check my report and they say I owe XXXX $ when I never seen or heard of this bank.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I reviewed my credit report in XX/XX/2024 and noticed some incomplete and inaccurate information. According to the Fair Credit Reporting Act ; Whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX are not complete or accurate. 

I sent a letter disputing the accuracy and completeness of my report. 
They sent my investigation back and said everything is complete, accurate and verified. I have attached evidence to support my claim to DELETE these accounts from my credit profile due to factual disputing and agencies not properly investigating my disputes. 

In accordance with 15 USC 1681 i 5 they're supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly Delete that item of information from the file of the consumer, ot modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from consumer profile. 
Also according to this law they're supposed to provide me a description of the investigation according to 15 USC 1681 i ( 7 ) : ( 7 ) Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer description referred to in paragraph ( 6 ) ( B ) ( III ) by not later than 15 days after receiving a request from a consumer. 
But they did not do so. 

According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2023-03-26
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. (IA)

In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

XXXX TransUnion XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX
Consumer complaint received 2022-12-03
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: Professional Credit Management, Inc (AR)

My identity was stolen and i summited a police report to all XXXX credit bureaus and disputed all unauthorized hard inquiries and disputed a collection that did not belong to me and advised them that this is also against XXXX XXXX. The fraudulent inquires and collection were not removed.
Consumer complaint received 2021-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TX)

I recently looked into all my robin hood account statements in XX/XX/XXXX and found an statement from XX/XX/XXXX showing transactions worth almost XXXX XXXX dollars. I recently opened XXXX XXXX statement and seen XXXX XXXX from a ACH transfer to my XXXX XXXX  account. Under Regulation E im sure I can prove my case. Whatever person or persons used multiple devices scanned my ID card so I could not upload my ID which I had uploaded on XX/XX/XXXX. Both cases are still open XXXX only gave me a small portion of certain transactions. I have all my documents and proof showing someone needs to get arrested for fraud as well with other Federal laws broken. I was under the impression certain security issues were fixed until yesterday my Robinhood account app settings changed. It was due to me uploading my ID XX/XX/XXXX or the XXXX XXXX, from one of the company 's support member emailing me a portal so I could upload my ID. I have been spoofed by the person or persons involved acting as IRS support, XXXX and robinhood via email. XX/XX/XXXX I filled out part of my Taxes in XXXX and it still showed it had XXXX XXXX dollars in proceeds on my form. All of these federal laws broken and my bank account as well as the brokers account shows I never had more than XXXX XXXX inside robinhood since XX/XX/XXXX. Under the XXXX rule an organization with the government should have contacted me. It shows transfers too California under my name and ACH money transfers. I have proof that my apps were duplicates and set to default with both XXXX and robinhood. I have made a lot of reports detailing my situation and even provided documents to both companys. I am XXXX XXXX XXXX XXXX and im from XXXX Texas, Robin hood has a location protection and it locked my cards withdrawals so how they still used my account left me clue less and stressed due to all of the fraud and unauthorized transactions. The IRS is going to know where is that money is I never had in Robinhood. I just would like justice done on the person or group which hacked my phone and used personal information to withdrawal money from my account.
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Truist was handling our loan for a new home, they were provided all paperwork requested in less than 24 hours of their request. They were provided all documentation proving origin of our funding, family intentions of funds being a gift and provided access to all financial accounts related to our funds. On XX/XX/2021 we received a call that our loan has been cancelled and that our paperwork was not proper. All paperwork was provided from them directly. Our loan officer advised us that their fraud department had gotten involved and that we were flagged for fraud and they could not help us. This was less than 24 hours before we were scheduled to close on a home we had already spent almost {$30000.00} to secure and could now be in breach of contract. We had reached out several times to the loan officer and the underwriter and we're reassured every time that everything was just fine. They requested we pay off our current mortgage with gift funds from our family as we " could not carry both '' and have since learned that not only was this a lie this is most likely what triggered fraud and caused the issue. Additionally we had to FIGHT with them to receive our appraisal for the home. This is an appraisal we paid for, to this date I do not believe they have provided appropriate documentation for it.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (TX)

XX/XX/2019 : I received in the mail a NETSPEND PREPAID MASTERCARD. I never requested, authorized, activated or in any other way contacted the Netspend firm to inquire about this type of card. I have no need for it. I cut the card in half, sent them a letter and requested NO FURTHER ADVERTISING OR MARKETING COMMUNICATION from them. NETSPEND did not respond in any way. 
XX/XX/2019 : I received a SECOND NETSPEND PREPAID MASTERCARD in the mail. Once again, I sent a letter to Netspend, returned the cut up card and all the associated materials, that this was unauthorized, rejected, never requested and would not be activated. Once again, I never received any type of reply. 
XX/XX/2019 : I received in the mail a XXXX XXXX XXXX XXXX. Once again, I never requested, authorized or in any other way wanted anything like this. The ADDRESS and PRIVACY ACT notices have NETSPEND corporation in them. Once again, { this makes THREE (! ) }, I cut up the card, sent back all materials, with a letter, detailing this is UNAUTHORIZED, UNSOLICITED and UNWANTED. I want this harrassing activity to stop and this firm to be censured.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Both XXXX  and XXXX  continue to include on their credit reports a Chase home equity line of credit ( HELOC ) account that was included in a Chapter XXXX bankruptcy that was filed over 7 years ago. Based on the Chapter XXXX filing date of XX/XX/XXXX, this item should no longer appear on my credit reports and should have been removed 7 years after the Chapter XXXX bankruptcy filing date. I have contacted XXXX, XXXX, and Chase with my dispute. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  was contacted in XX/XX/XXXXand XX/XX/XXXX. XXXX  and XXXX  state their investigations involved following up with Chase and Chase told them the account information on the reports was accurate. On XX/XX/XXXX, I wrote a letter to Chase detailing my dispute and attached supporting documentation. As of XX/XX/XXXX, Chase has not responded to my letter. I have never received an explanation from XXXX, XXXX, or Chase as to why an account that was included in a Chapter XXXX bankruptcy filed over 7 years ago continues to be reported on my credit reports. To make matters even worse, the XXXX  and XXXX  credit reports state that the account will stay on the reports until XX/XX/XXXX which is over 12 years after I filed for Chapter XXXX bankruptcy and perhaps coincidentally almost exactly 7 years after my Chapter XXXX   was discharged.
Consumer complaint received 2022-12-15
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: SYNCHRONY FINANCIAL (NY)

They know XXXX well I didnt give permission to put anything on my consumer report under XXXX XXXX have XXXX accounts from XXXX  XXXX  XXXX & syncb/PayPal that are reporting that are not attached to any open accounts and is hindering me from doing things I need to do thats a violation of my privacy I was also false and mislead by XXXX telling me the accounts where deleted I contacted the original creditors & they cant find no application under the account so how its they reporting this is ridiculous & Im making a complaint because they failed me as a consumer to do there job correctly I need these accounts deleted asap
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 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 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (MA)

1. On or around XX/XX/22 BJs XXXX XXXX renewed my membership for {$55.00} without my knowledge or authorization. 2. It appears that to pay for the membership fee, BJs opened a XXXX with Comenity Bank without my written or verbal authorization or my consent. 3.This week I received a bill from BJs/Comenity Bank for {$190.00} even though I never renewed my membership or applied for a credit card. Charges were for a membership fee and various late charges and interest charges. To this day, I have not received a physical credit card and therefore do not know what my credit card number is. 

4. Immediately upon finding about this bill, I cancelled the credit card and cancelled my membership ( XX/XX/22 ). I will likely pay the {$190.00} in order to stop late fees and any poyential damage to my credit. BJs says they will waive the membership fee but won't investigate why a card was opnened in my name without my authorization. Comenity won't invetigate this matter any further.
Consumer complaint received 2015-10-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Choice Recovery, Inc. (FL)

Choice Recovery has been calling me about a debt that I did not know about last XXXX XXXX, 2015. I just recently found out, since checking my credit report that they have reported my debt that was actually from a dental bill that I thought was already taken care of as I was in and out of the dental office about at least XXXX times this year for my cleaning. I was always told that I did not have any outstanding balances. I know I have the right to get a letter about my outstanding balances and I never got one. I also know that 5 days after the collection company contacts you, they should also send out a letter about the debt they are trying to collect and from whom. I never got this. If it was not for me checking my credit report, I would have never knew about this debt. In conclusion, I am complaining about the unfair practices of Choice Recovery and the fact that they never sent me any other notice ( written letter ) besides leaving a very unclear message that they are a debt collector but never saying who they are calling for.
Consumer complaint received 2023-04-05
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: PNC Bank N.A. (FL)

In accordance with the Fair Credit Reporting Act, PNC Bank 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : States 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 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sentry Credit, Inc. (UT)

XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating it.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$66.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hey, XXXX XXXX I performed and sent a receiveable dating XX/XX/XXXX ( Article # XXXX ) which was received XX/XX/XXXX ( Article # XXXX XXXX XXXX XXXX XXXX XXXX ). Which didnt include the assignment form, Opinion of Counsel, and Form of Investment Letter which is attached. Im the beneficiary surety of certificate # XXXX. Although you might hold title, I have equitable interest which is superior to any claim you may have dating back to XX/XX/XXXX. Its your respective duty to act in the interest of the bondholder according to the Act of XXXX. Im politely asking you to carry out your fiduciary duties under the indenture on file in good faith.

According to Registration pursuant to section 424 ( b ) ( 5 ) of the Act of 1933 I understand that Im an investor. XXXX XXXX XXXX XXXX XXXX have agreements with its subsidiaries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX explains how a pool of motor vehicle retail installment sale contracts are obligations of the Trust only. The sources of funds of the Trust are collections during the Collection Period and charge offs. 

Charge-offs are a source of funding to XXXX, XXXX XXXX and its subsidiaries, but have been a burden to me the Grantor. I provide a certificate, receivable, note, or contract which you deposited and received no valuable consideration.

This is an event of default. This is the beginning of opportunities to be made whole.