davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-06
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)

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 2022-07-06
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. (MI)

in accordance with the Fair Credit Reporting act Transunion and XXXX has violated my rights. 15 U.S.C 1681 section 602 A 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 please DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00}, XXXX XXXXXXXX XXXX {$450.00}. i didn't give transunion/ XXXX consent or written instructions to report the accounts listed above. Please respect my privacy and remove.
Consumer complaint received 2022-07-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (KS)

The company never sent correspondence stating how much the car was sold for in auction. Disputes with original creditor in XX/XX/XXXX, along with disputing with credit bureaus from XXXX, XXXX, and XX/XX/XXXX. The account is charged off and the creditor is reporting monthly that a payment is being missed and that amount of debt owe increases monthly if not being reported. 
Prestige Financial XXXX sent letter to me stating vehicle was auctioned off in XXXX for {$9000.00} amount owed as of today ( XX/XX/XXXX ) per credit report is {$17000.00}.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (MA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-06
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file dated XX/XX/2022 with Chex Systems. The following inquiries viewed by others and inquiries viewed by you currently listed on my Chex Systems Consumer Report ID : XXXX, are fraudulent, unauthorized and not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-13
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: Affirm Holdings, Inc (NY)

This is truly a misrepresentation of the law. Im just confused and feel abused by unethical procedures that are taken place. My kids can be homless because of the fraud. I have studied the regulations committed to protect the consumers from fraud and any inaccurate information on there credit report.

You are validating information that cant be validated unless if all parties in the matter are interviewed and giving a statement. The person who in fact stole my identity cant be interviewed because we do not know who it is. You are reasonably justifying these accounts but thats impossible because these accounts arent mine. According to FCRA 15 U.S. Code 1681c-2 Block of information resulting from identity theft within 4 days. I have submitted all the documents required according to the FCRA to have all accounts removed. This is completely wrong. I am a victim of identity theft. The data funishers can not say that these are my accounts. The information was stolen so you are validating accounts that shouldnt be on my report. You have 4 days in receipt to remove these accounts. Protect me from this fraud I am a victim. I am uploading all factual documents again. Thank you in XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CUSTOMERS BANCORP, INC (FL)

My wife and I now use the same email address since she has XXXX  XXXX. When trying to open a high yield savings account as joint owners, the bank insists we have separate email addresses. We have several other joint accounts with other online banks who have not required this. 
We were told we HAVE to create a new email address for my wife to open the account. 
I believe this is an unnecessary burden on senior investors with XXXX and the bank should have a provision to accommodate this situation. 
Since the separate email address for joint owners is not a government or IRS requirement, I think this bank should have a solution for its elderly or XXXX customers. 
Thank you.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC (PA)

Description of Complaint : Response to Letter dated XX/XX/XXXX This debt has not been validated. It is not mine and Allied Interstate is required by law to correct all negative credit reporting related to this reference. I requested validation from Allied Interstate in a letter dated XX/XX/XXXX and they did not provide. No further contact by Allied Interstate or any of their agents will be permitted.
Consumer complaint received 2022-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Called debt collect to inquire about my debt, told me they could not take payment or discuss debt due to a lawsuit that I have not been served for. Told them I was in the middle of moving and unable to give new address, told me they are going to XXXX  me.
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TX)

I purchased 5 flights through XXXX using both my personal ( XXXX ) and business ( XXXX ) PayPal accounts. I Cancelled all of the flights after Paypal chose to close both accounts ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX. However- there is no money back on my card or in my paypal account. Paypal says the money isn't there. XXXX says the money has been refunded. However- XXXX has provided receipts of their return ( attached ). 
Paypal Transaction IDs : XXXX XXXX XXXX XXXX XXXX {$30000.00} Paid and no refund.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase had made no attempt to modify my loan. Was even laughed at ( yes-in person at the bank! ) when I asked to have my loan modified. Since, I have had increased fees and even accusations of fraud with demand for replacement and service fees. A second attempt was made last year - they refused. I did NOT pick the mortgage company-the loan was sold back in 2010.
Consumer complaint received 2021-10-28
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. (NV)

Account on my credit report have not being verified, XXXX agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX  this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.
Consumer complaint received 2021-08-23
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. (TX)

This third party company ( Equifax ) has obtained and reported information without my written consent. This is fraudulent and they have no rights to do this.

According to 15 USC 1681a, consumer reporting agencies have no right to report credit transactions or factual information.

According to 15 USC 1681b ( 2 ), consumer reporting agencies need written consent to furnish report.

According to 15 USC 6802, consumer reporting agencies are not allowed to furnish consumer information with third party agencies. Third party agencies having such information is against my rights and identity theft. According to 15 USC 1681a ( 3 ), consum
er reporting agencies assumed this role and arent technically a bureau because they dont report to the government.

According to 15 USC 1605, any payment history that involves a finance charge being reported on a credit report is deemed unfair. I have several.
Consumer complaint received 2018-09-09
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. (TX)

My credit report is showing that I was 30 days late XX/XX/2018 with my XXXX XXXX account XXXX. This was the month I did an extension and the XX/XX/XXXX payment was put on the back of the loan due to hardship. A month later I received a notification that XXXX reported my account for XX/XX/XXXX days late. When I ( and my wife ) called an spoke with customer service I was advised that it was no reporting late on their end. The customer service rep said she would put a dispute in and it would be corrected. 30 day later ( XX/XX/2018 ) it was still on my report. I ( and my wife ) called again and spoke with customer service. At that time they advised again that it was not showing late on their end and it would be sent for dispute and I would get a letter in a mail advising me of the dispute. I never received anything in the mail. So I disputed it with all 3 credit bureaus. All 3 bureaus stated that the information was investigated and deemed correct. So at this point I am filing a complaint. XXXX is advising me over the phone that it is not showing late in their system. But no one wants to remove it from my credit report and this is causing for me to have issues getting a mortgage due to the late payment and the points on my credit report is not increasing due this late payment. When I have talked to the
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

I filed a dispute with Chime due to an unauthorized charge for {$280.00} with XXXX XXXX on my debit card which I reported immediately after noticing the charge and reporting my card holder/wallet lost. The dispute was officially filed Thursday, XX/XX/XXXX at XXXX which I spoke to the disputes representative and provided the required details about the transaction such as when did I notice the card was missing, when did I last use the physical card, etc. Chime got back to me the next day Friday, XX/XX/XXXX at XXXX stating that no error occurred with the charge and the claim was closed. I then contacted them requesting the documents/ evidence used to determine their cause. They did get back to me with the " documents '' they used to determine their claim and everything was inaccurately filed in by the dispute representative such as them stating " none '' when asking if any personal belongings such as my wallet was lost/stolen. When speaking to the disputes representative prior, clearly stated that my cardholder/ wallet was lost. I believe the representative purposely put the wrong information into the claim form for reasons unknown to me and I wish Chime 's quality assurance team, if there is one, would listen to the intake call for claim ID XXXX so they can hear my original answers to the dispute questions. I am very confused and frustrated with the carelessness of this bank 's lack of customer service and inability to make their consumers feel protected. 

This bank did no research whatsoever to determine my claim and was very unhelpful in helping their customer feel safe and protected. I have also attached copies of emails to and from my communication with Chime about this issue.
Consumer complaint received 2024-03-07
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-13
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. (NC)

XXXX XXXX shows this status - Account charged off. {$2500.00} written off. {$670.00} past due as of XX/XX/XXXX. 

They were paid off nearly XXXX by insurance. This does not reflect on write off amount XXXX was promised to be waived once insurance was paid which was never done.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Hi, I received a letter from my local tax collector, XXXX County Commissioner of Finance, dated XX/XX/XXXX about a Delinquent Tax Bill. My mortgage servicer who is the escrow manager for this account NewRez-Shellpoint keeps on telling that as long I'm enrolled in an escrow account I can dismiss all tax bills and letters, I contacted my mortgage servicer by phone and they affirmed that they will investigate this matter, reach out to the appropriate parties and make sure there is no outstanding bill. two weeks later, after not getting any feedback on their investigation I contacted them again, and they said that they see the investigation closed so I can rest assured as if there would be any issues they would contact me. 
On XX/XX/XXXX I got another letter from the XXXX County Commissioner of Finance dated XX/XX/XXXX that the bill is still delinquent and they are going to start imposing further penalties and will start a petition for foreclosure, all on my cost... here it turns out that my tax bill wasn't paid in full, they added penalties and interest, and now they threaten to foreclose the property. 
Please have the appropriate parties liable for this mismanagement. 
Thank you!
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

My. Name is XXXX XXXX and I am XXXX XXXX XXXX. I have invested over {$200000.00} in portfolio of various virtual currency with Coinbase Inc. I was last able to log inno the portfolio on XX/XX/XXXX. In the early morning of XX/XX/XXXX, I was denied log in and strayed the process of resetting my password. I was only getting automated emails with directions to wait for 24 hours. I have yet to receive the reset password link. Six or seven hours later, on XX/XX/XXXX, I called their automated line wirh requests and was not able to connect with anyone at all or recieve any answers. I locked the account acvitity via phone - only option available and am waiting for any sort of update until now. These were my life savings and since I used my institution to transfer the funds, I have proofs and can show the total amounts invested. I am looking for a resulution of this horrible situation, since this has driven me to suicidal thoughts. 

I appreciate your help.
Consumer complaint received 2022-02-13
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)

TRANSUNION has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )
Consumer complaint received 2022-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (GA)

We took possession of our current residence in XXXX of 2011. Since moving in, we have received account notices and debt collection notices for the previous owner from PNC bank. We have put the letters back in the mail marked return to sender, we have contacted PNC bank, they just make more work for us. There seems to be no way to tell them to stop sending his mail here... and there seems to be no consequences for them continuing to send us his mail.