davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have credit freeze, a fraud alert, credit locked, and social security number frozen. i keep getting alerts that i have new accounts. How can that happen? It's always XXXX  XXXX XXXX. I have talk to them over 5 times over the last 3 months about me not applying for this card. They say they will take care of it, but once again XXXX  XXXX XXXX approved a card with a {$12000.00} credit limit. I have also talked to all XXXX credit reporting agencies. Nothing seems to get done. This is starting to effect my health. I am at my wits end. PLEASE HELP!!!!
Consumer complaint received 2021-06-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

At XXXX XXXX, number called me, I did not answer. Then immediately after, the same number called my family member on a cell phone. 
This debt is from over 10 years ago with my ex husband. Company continues to contact me for payment of a couple XXXX dollars that was written off.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am in disagreement with the items listed in my attachment, in my personal dispute below which still appears on my credit report, even after the credit bureaus Investigation. I would like these items immediately re-investigated. I would Like the credit bureau to actually investigate my claims and delete all accounts I have listed in dispute for they all have errors affecting my report. If accounts are verified, please send me proof of verification, as to who you spoke with, company name and address. These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

On about XXXX XXXX, I received a call from the manager at Regions Bank at XXXX XXXX XXXX XXXX XXXX TN XXXX Inquiring if I withdrawed a large sum of money from my XXXX XXXX account early in XXXX, which I told her no and I asked if I should come to the bank. 
She copied my ID and I saw a withdrawal slip with my printed name on it, a signature and my account number. With date if XX/XX/ with the amount of {$1800.00}. We both agreed that was not my handwriting. 
I also asked her what made her look at my account and was informed that an investigation was in process regarding other accounts and that I should get my money deposit back in my account within 30 days. 
On XX/XX/XXXX, I received a letter denying that I would not get my money back because I didn't report it within 30 days. I protested and the bank reopened the investigation. On XXXX XXXX XXXX I received a 2nd with the same denial letter. 
This account was part of my retirement plan so I never withdrawed money since I opened it. I check my quarterly for amount of interest earned because i only made deposits. I was in the bank on XX/XX/XXXX to stop automatic deposit in my money market account as I retired on XX/XX/. The only thing I did on XX/XX/XXXX was spoke with customer service representative at his desk and no teller transactions was done. 
If an investigation was done, and if cameras were in the bank it should have showed who took my money and which teller gave the money. 
I put money in the bank for safe keeping and not have someone to take it. 
Please help Thank you kindly See attachment of unauthorized withdrawal slip and my withdrawal slip with my handwriting signature XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (MI)

XXXX, XXXX and Complaint against Caliber Home Loans XXXX Inc. and XXXX XXXX XXXX I demand XXXX XXXX XXXX Caliber Home Loans , Inc and XXXX XXXX XXXX to disclose who was the OWNER of the account receivable where my money were deposited between XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2022-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a dispute letter to Transunion and XXXX to remove an item off my credit report. Me and the collection company XXXX XXXX XXXX agreed on a settlement. On the behalf of XXXX I sent TransUnion and XXXX a receipt showing payment made and agreement of the settlement. TransUnion sent me a letter back stating verified as accurate and updated XXXX the item was updated. I called XXXX, I couldnt get any help from them. I got transferred from one department to another.
Consumer complaint received 2022-04-13
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. (NJ)

In accordance with the FCRA, XXXX XXXX  Acct XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc. (OK)

This was paid and this same debt collector after it was removed by your own organization deleted it and then the Finl Account Sevs Team added it back to my credit report. I do not owe this bill with XXXX XXXX XXXX. You can call XXXX and ask them. FINL ACCOUNTS SVCS TEAM keeps putting it on my credit. I am considering legal advice next time it happens due to it being the second time that this company has done this to me. I have called them and they told me they would not remove it from my account. 

The amount is for {$190.00}.
Consumer complaint received 2024-01-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd ()

I transferred the sum of XXXX XXXXXXXX from my XXXX bank account to transfer wise with the intention of moving that money to my comm bank business account! Wise transaction number XXXX XXXX imputed the correct bsb but I entered my personal comm bank account instead of my business this happened on XX/XX/year> Wise referred me to comm bank and commbank referred me back to wise. Wise told me the transaction had been complete and theyd reached out to commbank several times to initiate a recall. On XX/XX/year> wise told me You informed us that you've entered incorrect bank details for your recipient. Despite our attempts to initiate a fund recall, it was unsuccessful. The receiving bank confirmed their inability to reach the recipient for a response. Unfortunately, there is limited action we can take from our end, as submitting another recall request is likely to yield the same result. In this case, we advise you to reach out to the recipient bank to dispute and get them to response to Wise 's recall messages. In case if we have a response, we will reach you out.
Consumer complaint received 2022-04-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (AL)

Got a loan from navy federal for car got the check went to a dealer give them the check was told to come back to get the car no car no check or nobody when I returned.I call navy federal they told me to make payment until they figured it out I did until I couldnt anymore so I called back and they told me they tracked the car inTexas they knew I never had a car nor cash a check but says I was still responsible and that been like 6 years ago
Consumer complaint received 2022-04-13
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. (IL)

In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-13
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. (IL)

In accordance with the Fair Reporting act XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions.

15 U.S.C. 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

I recently sent Equifax a certified letter requesting an update to my current address. With the certified letter, I included a copy of my drivers license and soc sec card. I just received a conformation letter from them letting me know that they had completed the changes. The problem is they made the changes to someone else 's credit file. My name is XXXX. The person who 's file they updated is XXXX. How does this happen, considering I included two forms of ID with my letter. I can assure you that I do not and have never gone by the name XXXX. Also, the former addresses which were removed are not, and have never been associated with me or my name or social security number.
Consumer complaint received 2022-04-13
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. (MN)

I have items on my credit that has been closed and is still on my credit. need them removed. 

XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX This was paid off years ago This should have been closed. 

Another one is XXXX XXXX REPORTED XX/XX/XXXX AMOUNT XXXX This was also paid off last XX/XX/XXXX XXXX
Consumer complaint received 2019-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX XXXX my SS is XXXX address XXXX XXXX XXXX XXXX OH XXXX. My 2 CAPTIAL ONE accounts were closed without any remedy or resolve and it cut off my life line in my business. I had a few of my employees and co-workers on my account as AUTHORIZED USERS, I originally asked to have all of them remove before my account was placed on permeate restriction status without remedy or resolve. My account is my financial responsibility and not the authorized users have zero responsibility Capital One is currently reporting negative information on all the previous Authorized users credit reports please delete/remove the following AU : XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX ... XXXX AUTHORIZED USER XXXX XXXX AUTHORIZED USER XXXXXXXX XXXX XXXX XXXX  ... XXXX AUTHORIZED USER
Consumer complaint received 2023-01-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-13
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. (NC)

XXXX  is reporting that I have two accounts with them one I know I opened in XXXX of XXXX ; the other is saying it was opened in XXXX of XXXX for a loan amount of {$7200.00} but that account is now charged off. If that was my account why would the company turn around and give me another loan less than a year from one another? I have tried to get this resolved with the company and they have done nothing but give me the runaround.
Consumer complaint received 2024-04-17
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. (GA)

I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME
Consumer complaint received 2023-01-13
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. (SC)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. States i have a right to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. XXXX XXXX account number XXXX.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

Once again just because an unscrupulous former law firm client commits a credit card chargeback, PayPal cancels our entire account thus preventing us from doing further business, even when we provided proof of signed contract, paid by former client, and detailed billing invoice. 

Return our {$5000.00}, and do not punish us for criminal clients who victimize us, now twice by denying our ability to earn an income, especially when we have provided proof of lawful and ethical transactions.
Consumer complaint received 2023-08-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Army and Air Force Exchange Service (MO)

I received an email notification on XXXX XXXX suspending my account and falsely threatended to contact commanding officer to pressure to pay debt. This a unfair and deceptive act that violates federal consumer financial laws.
Consumer complaint received 2021-08-27
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. (NJ)

I am a victim of identity theft. US Dept of ED, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed immediately
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CA)

In XXXX, I was laid off from my job and a few months later our home was destroyed in the California wildfires. After an initial denial by the servicer, we were granted forbearance, and when the forbearance ended in XXXX we were given a modified mortgage with no change in the rate. However, the company imposed an escrow for taxes. 

Because I had never had an escrow requirement in any previous mortgage, I requested that the escrow requirement be removed from the modified mortgage, but the request was denied, both at the time of the modification In XX/XX/XXXX and again this year, even though I had already paid the taxes for the year. The stated reason for the recent denial is that " Your mortgage has been modified. '' Incidentally, the same company had reported to the credit agencies that the mortgage was " delinquent '' at the time the forbearance was granted. After I provided evidence that it was not delinquent, they finally had to correct this with the credit agencies and our credit ratings immediately went up nearly XXXX points. 

Now, they insist on continuing to collect the escrow, even though the taxes have been paid in full. I believe this denial is arbitrary and perhaps punitive for the fact that I forced them to correct the credit record.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NY)

I applied and got approved for the Discover student cashback credit card on XX/XX/XXXX. I was asked to sign the IRS Consent Form 4506-C for them to verify my personal information. I called their customer service several times, and they asked me if I filed my tax return in the tax years XXXX and XXXX, which I did for both. On XX/XX/XXXX, without any further communication, they closed my account, without me even using the card. And the reason was they couldn't verify my account for the tax years XXXX and XXXX. My XXXX federal tax return was still being processed, and, for the XXXX tax return, I used my ITIN instead of SSN because I didn't have an SSN back then due to my immigration status. There was clearly a miscommunication, and they closed my account and sent a report to credit agencies without even asking me for any further clarification.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

On XX/XX/XXXX, I wrote to transunion, XXXX, & XXXX requesting an re-investigation into items that I believed were INACCURATE. To Date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations for credit reporting agencies are regulated by the federal trade commission ( see 15 USC 41 et seq ). I am maintaining careful records of my communication with you on the matter for the purpose of filing a complaint with the FTC should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C. D. Cal, XXXX, XXXX, XXXX ). you will be liable for you willful non-compliance Pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act requires that, the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mails a response. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I request the following accounts be verified or removed immediately :