davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (TX)

There is a XXXX  on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove I have contacted the courts they say theyve never reported this information to my report I dont have these on XXXX or XXXX XXXX guys seem to report this fraudulent information monthly again please remove.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA credit card division has a collection agency harassing me daily for a phony charge of {$3500.00} for merchandise that USAA has been in possession of for over two years!!!!!!!! 

USAA is full of lying, dishonest, scheming, unprofessional corporate creeps!!!!!! 

ATTENTION ALL MILITARY PERSONAL, PLEASE DO NOT BELIEVE THE USAA COMMERCIALS STATING THEY SUPPORT YOU!! 
THEY DO NOT!!!!! 
THEY WILL STICK IT TO JUST LIKE THEY DID ME!!!!
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

2nd attempt to drop PMI on my mortgage loan with Wells Fargo. First attempt a few years ago I missed the appraisal mark by XXXX when a duplicate house with less renovations as mine on a smaller lot sold for XXXX more than my appraisal. Now attempting since XX/XX/XXXX to do the same thing but Wells Fargo will only accept an appraisal by core logic that they are in partnership with, owning companies together, as late as XX/XX/XXXX and wanting to charge me {$550.00}, {$200.00} more than the national average, for said appraisal. Now I'm finding out that XXXX, who holds the mortgage insurance policy, has strong ties to Wells Fargo so there is strong incentive to bias the appraisal that they control to keep me paying premiums on mortgage insurance. 
1 : Why can't I use any licensed appraiser? and 2 : Why is their fee {$200.00} above the national average? 

Seems to be extremely unfair towards the borrower.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I am writing because of an issue I am having with a debt buyer/collection agency currently reporting information on my consumer credit files. 
I initiated a dispute in late XX/XX/2019, less than 15 days ago with the CRA 's and the debt buyer/collection agency wrote me a letter stating that while they are investigating my dispute, I had to write them a letter stating that the account was in dispute. I saw this as an attempt to stall and/or delay the investigation requested by myself as well as potentially seeking to circumvent FCRA requirements in reporting by making duplicate demands to draw my time and or resources. 

The original dispute calls for an investigation and documentation, as the debt is unknown to me and therefore challenged. The company responded that while they are investigating they require my request of investigation otherwise they will not investigate. This is nothing more than asking for what they already received to waste my time. 

I replied to them by latter and would like to request the CFPB to mediate this matter thereby maintaining transparency and holding company to account for their practices.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company XXXX XXXX continues to show an open balance when I have tried consistently to resolve this, At first this company wa sall good my score went up. I went through the whole program and finished. 
There was a zero balance and they even sent a check back to me to indicate I am finished with the program. 

Then I heard nothin else and now they keep showing a balance and keep reporting incorrect information on my credit report. 
ask them to mail you the letter that my account zeroed out and I succesfully finished their program.
Consumer complaint received 2020-07-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Consumer complaint received 2022-03-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX Repossession XXXX XXXXXXXX - Charge-off XXXX XXXXXXXX Charge-off XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Collection XXXX XXXX XXXX****- Charge-off XXXX XXXX  XXXX Charge-off XXXX XXXX XXXX Charge-off
Consumer complaint received 2022-03-07
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. (IN)

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX Bank 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 account can not furnish a account without my written instruction
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

The Credit report should only reflect criminal records according to Title 15 USC 16 81 b2 A. 
There several addresses that are reported that are not correct. 

There are discrepancies because most of the items on the report were not authorized.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

Paypal has single-handedly transferred from my personal wallet, unauthorized, and no advance notice for the business income I perceived. I have provided receipts of delivery and refunds for customers who did not receive their products due to delay during the earlier congested logistic delay due to Covid. Paypal reasons are always that they can't provide more information other than the fact that they think I have violated their " Acceptable Use Policy '', and that they can fine me for that and it is final, non-disputable. I couldn't even know which policy was violated as I have been diligently following their terms and giving my best for my customers. Below is the effort that I have tried to negotiate with PayPal. 1. Due to the Early covid response, USPS, our logistic provider was closed down for a few weeks, causing the backlog in delivery. 2. We have provided refunds for both customers who did not receive the item ( and open a dispute ) and those who were late receiving the items. 3. We have evidenced and USPS tracking number that our items delivered to the customers. 4. Paypal took control of my account and transfer all the money I have I have in my virtual wallet, which amounted to {$10000.00}. I believe this is illegal and a breach of Privacy since they access my personal account and control it according to their whims. Sincerely, XXXX XXXX
Consumer complaint received 2019-03-27
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of  the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-03-07
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)

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00}, XXXX XXXX XX/XX/2020 are reporting on my personal credit file with ( XXXX/XXXX/TransUnion ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

I was applying for a new credit card at Discover and provided every bit of information that they requested including the all the documents proving identification. After speaking with an agent it came to light that it is required that I talk on the phone to confirm these details but I speech issues on the phone which makes talking on the phone very difficult and causes quite a lot of anxiety for me. I let the agent know that and they were respectful but did not provide another option and canceled the application. Just sad that discover could not be more assistive to me.
Consumer complaint received 2022-03-07
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, CXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are reporting on my personal credit file with ( XXXXExperian/XXXX ) credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is reporting a fraudulent account XXXX that is ruining my credit. I have already filed a complaint which was answered by Phoenix Financial Services stating that no account was found and include the account # and my social. The last four of my social security number is XXXX and account number is XXXX as it is showing on my XXXX credit report. This account is not mine and I disputed this same account under a different collection agency in XXXX and it was blocked and deleted.
Consumer complaint received 2020-07-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Choice Recovery, Inc. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2022-03-07
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: JPMORGAN CHASE & CO. (NY)

I was given a loaner car by XXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX while my car was in for service. On XX/XX/XXXX, my Chase credit card was charged {$130.00}. I spoke with XXXX, the loaner car manager at XXXX, who said it was due to toll charges. When I told him that I should not have any toll charges, he said he would look into it. I received another charge for {$58.00} on my Chase card on XX/XX/XXXX and again spoke with XXXX, who again said he would look into it. The next day, XX/XX/XXXX, I received another charge for {$50.00}. I called XXXX yet again and he again said he would look into it. I never heard from XXXX again despite leaving multiple voice mails. To reverse these incorrect charges, I filed a dispute with Chase. I was told by Chase that the charges were valid and to file a fraud claim if I disagreed. I did this and had to obtain a new card # as a result. When I received a notice from Chase on XX/XX/XXXX that I was still responsible for the charges, I called XXXX again. I was made aware for the first time that the XX/XX/XXXX {$50.00} charge was for a speed zone camera violation on XX/XX/XXXX. I take full responsibility for this charge and do not dispute it. I do however continue to dispute the charges for {$130.00} and {$58.00}. On XX/XX/XXXX, I sent Chase an email with extensive documentation proving that I could not have made the toll charges claimed by XXXX  as I was either at work or out of state at the time the highway toll charges were made. In a letter dated XX/XX/XXXX, I was told that the charges were valid and that I was still responsible for them despite sending them documentation that it would have been impossible for me to be passing through the toll plazas at the times indicated on the toll statement. As attachments, I provide a copy of my email to Chase giving a line by line explanation ( " email to Chase '' ) for why each of the toll charges ( " XXXX  toll invoices '' ) could not have been made by me. I have attached the in and out log for one of the parking garages I use at work showing that I was parked in a garage during some of the charges ( " XXXX parking log '' ). I have also attached : my work schedule for a day that I parked in a different free parking lot where I do not have to swipe a card to go in and out ( " XXXX office schedule '' ), a receipt from yet a different garage where I was parked all day when one of the toll charges occurred ( " XXXX parking receipt '' ), and two credit card app screen shots showing that I was in CT or MA on days that NY-NJ toll charges occurred ( " XXXX XXXXXXXX XXXX XXXX '' and " MA gas receipt '' ).
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Credit report should only reflect criminal records according to Title 15 USC 16 81 b2 A.

There several addresses that are reported that are not correct. 

There are discrepancies because most of the items on the report were not authorized.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting act 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 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 2021-04-13
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: EQUIFAX, INC. (GA)

Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.