davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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. (TN)

Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding the items listed on my credit report that violate my rights under 15 USC 1681 and the Fair Credit Reporting Act. As a natural person, I have the right to privacy and confidentiality, and I have not given permission to the consumer reporting agencies to furnish the accounts listed below. 

According to 15 USC 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may include any adverse item of information in a consumer report that is more than seven years old, except for records of convictions of crimes.

Furthermore, 15 USC. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

The following inquiries listed below are fraudulent and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FI XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that these accounts be deleted immediately in accordance with the Fair Credit Reporting Act. I have contacted the companies responsible for these inquiries, and they have provided no proof that I have authorized these inquiries or that they have a permissible purpose. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MD)

I have filed two claims for a Zelle payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted XXXX XXXX and ask that they try to cancel the payment and/or reverse it. I informed XXXX XXXX that I was a victim of a scam and fraudulently induced payments through Zelle. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new Zelle Policy that should cover my situation and allow for reimbursement of the {$3000.00} from XXXX XXXX. I am sure you are also aware of this secret Zelle policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent XXXX to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of Zelle. 
The new requirements, according to the statement, are being added to " ensure consistency across the Zelle Network and improve consumer benefits. ''
Consumer complaint received 2019-06-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my XXXX is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally, it was reported that I had two 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally, there were a 30, 60, 90 day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposedly late payment and is further damaging my credit report. Please delete immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

You guys keep closing this complaint without holding this company accountable, and I will keep making the complaints until they are held accountable. 

Shellpoint has given 5 different stories as to why the mortgage shows past due. Each and every time I have provided proof that payment was made and received by them. They have now sent me a letter that I am {$3000.00} behind on my mortgage. How could that be when I have proof of payment for the past 2 years? Submit every single piece of proof they have asked for? How come Shellpoint refuses to adjust the value of home when it has already been done by the XXXX County Assessor? I was advised that my mortgage payment should actually be LOWER than what I am paying. Not one person within this company can explain to me why the payments are not being processed. HOLD THIS COMPANY ACCOUNTABLE FOR THEIR PREDATORY LENDING.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (SC)

My car was paid off in XX/XX/XXXX, but the lien never released. I didnt know the lien had not been released until XX/XX/XXXX when I attempted to get another title. I had to pay for a lien release letter but the SC DMV would not accept as it was not the original lender. In XXXX I was told that I would receive a notarized one in the same letter with 15 days, I have. Or received this letter. On XX/XX/XXXX or XXXX, I was told a supervisor would email or call me to confirm this notarized letter had been sent, as if XX/XX/XXXX I have yet to hear from a supervisor or receive the notarized letter from Santander Consumer Credit.
Consumer complaint received 2023-04-10
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. (AL)

Dear CFPB, I am writing to file a formal complaint under 15 USC 1681 regarding my credit report. As a natural person and a living human being, I have certain rights that are protected under this law and the Fair Credit Reporting Act. Unfortunately, the consumer reporting agencies have violated my rights several times, and I am requesting that the following accounts be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXCHILDSUPT- XXXX These accounts have been included on my credit report without my permission, which is a violation of 15 U.S.C 1681 section 602 A, which guarantees my right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. Finally, 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making any consumer report that contains adverse information other than records of convictions of crimes that predate the report by more than seven years.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the inclusion of the aforementioned accounts on my credit report is inaccurate, and I am requesting that they be removed immediately. 

I would also like to bring to your attention two fraudulent inquiries that were made on my credit report without my authorization : XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they had a permissible purpose to make them. Therefore, I request that these inquiries be removed from my credit report as well. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-27
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. (NV)

On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau Experian, XXXX, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately
Consumer complaint received 2019-06-27
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. (NV)

On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, Transunion, XXXX   requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately
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 — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX Account # 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 2019-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC (GA)

The creditor changed the dates of the account to make them more recent. I have had the same cell phone account with att since XXXX but only have 1 copy of a bill from XXXX. XXXX is claiming that I had an account with them from XXXX which is a lie. I had an account with them 1 time in XXXX, which was a shared account with XXXX XXXX. Please search and find that these documents have been changed to collect money. I even sent XXXX photos from XXXX to show accurate depictions of the cellphones I had with XXXX to corralate with the year. The phone I have with XXXX was a XXXX and XXXX XXXX which XXXX did not specify in the document because they know they changed the documents.
Consumer complaint received 2019-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (CA)

Google ( 1 ) suspended my payments account without explanation, ( 2 ) cancelled my phone service because they would not accept my payment, and later ( 3 ) took my money in violation of their own suspension rules ( and refused to give it back because of their suspension rules ). 

( 1 ) In XX/XX/2018 Google suspended my Google Pay account with changing justification and no details. Between XXXX and XXXX, they first claimed that I might be a victim of suspicious activity, then they implied I was suspended for potentially '' performing suspicious activity, and then they claimed that my account was going to stay closed due to a violation of their Terms of Service. They requested evidence of my IDs and credit cards to verify my identity ( with changing instructions each time they were requested ), and I provided photos of my drivers license, passport, and both active cards on my account, multiple times. Tangentially the Google Store approved financing for me to purchase a new phone, which they subsequently refused to accept as payment. They have repeatedly communicated that they will not reopen my account, and that they have no obligation to justify their actions nor provide any details nor provide a route to resolution. 

( 2 ) Within two days of my Google Pay account suspension, Google Fi ( was then called XXXX  XXXX  ) notified me of a failure to pay my bill ( due to their inability to accept any payment method except Google Pay ). Despite a monthly billing cycle, my phone service was disconnected in less than a week, with no route to resolution. 

( 3 ) In XXXX, Google Fi charged my credit card in violation of their own policies. Over the next month and another dozen support interactions passed between three teams, one support member acknowledged Google Fis violation of their own Google Pay suspension, but still failed to refund the payment due to that very suspension. No internal accountability to Googles own policies was acknowledged.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (IL)

- On XX/XX/XXXX I received an email from Gemini.com ( Gemini ) stating I was approved for an account with Gemini - XXXX XX/XX/XXXX I received an email from Gemini stating " Your identity has been verified! '' - On XX/XX/XXXX I received an email from Gemini stating " Thank you for reaching out! 
After further review, it appears you need to initiate a wire deposit in order to verify your bank account. '' Note : I did not take further action to fund my account because the XXXX XXXX was not working and so I thought, I'd give it some time and try again later. 

- On XX/XX/XXXX I tried logging in to my Gemini account to fund it and begin trading however the site would not let me and so I submitted a trouble ticket to resolve the issue. 

- On XX/XX/XXXX I received an email from Gemini stating the following : " XXXX XXXX, After reviewing your account, Gemini has determined your account must be closed. 

As per Geminis user agreement You agree and understand that we have the right to terminate your access to Gemini and any account at any time and for any reason, and that if we do so, your rights and obligations under this User Agreement will continue. 

For more information on Geminis user agreement, please see the following link : https : //gemini.com/legal/user-agreement # account-termination. 

Although we understand you have questions as to the reasons behind this decision, Gemini is unable to disclose any further details. The risk review process is confidential and Gemini will not be able to elaborate any further. '' - An email exchange took place up until XX/XX/XXXX where Gemini confirmed that I underwent a " Risk Review Process '' ( RRP ) and refused to give further details as to why I failed their RRP. 

- I bank with many large XXXX XXXX and have a credit rating of XXXX - If I were to walk in to a XXXX XXXX XXXX branch and tried to open an account and was denied, they'd tell me why I was denied and what I can do about it. 

- Without Gemini elaborating on how they review their customers... for all I know, they do not approve of XXXXXXXX XXXX XXXX using their site/service- I hope our regulators do something prevent otheXXXX XXXX XXXX XXXX XXXX  from enduring this type of XXXX XXXX Gemini 's last User Agreement was " Last updated : XX/XX/XXXX '', per their website and I never received an email, ever, stating any of the User Agreements in the past were being updated.
Consumer complaint received 2015-05-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (OH)

1. Navient Loans ask for an email address then do n't send information by email or paper. I removed my email address and told them to mail information on paper. Which are still slow an inaccurate. 
2. Now I ca n't log into my account without signing up for paperless communication. 
Are they allowed to do that? 
3. This my daughter 's cosigned loans. They wo n't give me any info about these loans. They did'nt take auto payments in 2014 and did not communicate. When they found the errror the harrassed me to no end. I gave them a set of payments for XXXX month and they were calling back the next day asking for the rest. This is even though my daughter was making payments. She told me today to never give them money because it goes to fees that are likely wrong and she is better off working with an acct manager to resolve any issues that are usually attributed to a Navient error.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that these accounts do not belong to me, and I demand their immediate removal from my credit report. XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected :
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Reference to Case number : XXXX ], Bank of America charged me a XXXX NSF fee because they held my certified funds cashier 's check funds for 9 days. This is an additional complaint for the XXXX Hide additional information for activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... 

Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX Type : Bank chargeDescription : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXX Merchant name : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXXSelect to Editthe merchant name Transaction category : get more information about transaction categoryUncategorized : Pending
Consumer complaint received 2024-03-05
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX