davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
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. (NJ)

To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main Credit Bureau 's such as TransUnion, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (GA)

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX L XX/XX/XXXX
Consumer complaint received 2022-05-04
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. (GA)

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}
Consumer complaint received 2018-12-06
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: CITIBANK, N.A. (NJ)

To Citibank, N.A Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs Citibank, N.A Consent Order but make no mention of Citibanks redress plan, final resolution, or restitutions as required per CFPB.

In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs Citibank, N.A Consent Order.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2022-07-21
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. (DE)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-10-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (MA)

a bank cashed a check with my name on it and the banks name. The bank is in another state so I mailed the check to them to endorse it. check was sent to me from auto insurance company for theft of my cars wheels tires.. the bank cashed the check and did not send it back to me .. I wrote a letter that I need the bank to endorse the check to pay for the wheels tires.. is it legal for a bank to cash this check with out my endorsing? 

the bank took my payment for loss, and put it on the loan balance now I do not have that payment to buy my wheels.
Consumer complaint received 2024-02-28
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX I sent XXXX XXXX, and Transunion 2 letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, XXXX and Equifax directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MT)

On XX/XX/XXXX, PayPal allowed identity thieves to make a transaction with a company named XXXX XXXX for {$760.00}. I discovered the activity because it emptied my bank account. I submitted a claim with PayPal to report the unauthorized charges. The company acknowledged the transaction resulted from fraud, evidenced by case ID : XXXX XXXX 

Despite PayPal 's admission that the charges were fraudulent, they continue to reach into my bank account in an attempt to recover the payment. On XX/XX/XXXX, PayPal attempted to withdraw XXXX from my bank account. The unauthorized charges once again over-drafted my bank account. 

According to the company 's customer service representatives, PayPal will continue withdrawing money from the victim 's account until the fraudulent charges are satisfied. Customer service informed me that PayPal doesn't require authorization from the victim. 

It seems impossible to rectify the situation using the company 's online and over-the-phone customer service. After mentioning fraud, the representatives disconnect the phone.
Consumer complaint received 2018-04-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My Fianc paid the company XXXX to help her get a modification on her mortgage, after approx. 2 years of this company going back and forth and asking for paperwork which we gave them, and switching people working on our file an loosing paperwork, they advised us back in XXXX of 2017 they could not help us any longer and we would have to file for chapter XXXX. Not once did they get in touch with us after that day and I have tried several times to call them back and ask them for some type of refund and they do not answer our calls. Total disrespect for a person reaching out for help.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Accnt # XXXX Original Creditor : XXXX XXXX XXXX Current Owner : XXXX  XXXX Ref ID : XXXX Current Servicer : Resurgent Capital Services LP Debt Paid for settlement of {$360.00} on XX/XX/2017 from original balance of {$450.00} Resurgent reopened debt reporting to Credit Bureaus attempting to collect the difference. 

Resurgents in false and inaccurate reporting adversely affected my credit score resulting in my denial of paid closing costs and down payment assistance programs because of a lowered credit score thus causing delays in my home loan underwriting process, higher mortgage interest rate and delays in my cleared to close.
Consumer complaint received 2018-08-01
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. (IL)

XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX in regards of three items on my credit file I'd would like remove which I'm unaware of. which Equifax stated they cant remove the items and don't provide any information on how the accounts were verified.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

About 2 years ago I decided to open up an account with U.S. Bank. When it comes to adding funds to my account, I didn't come to think that I would have this problem still today. As for, all my other accounts that were funded the same way I funded my U.S. Bank account. I did not have any problems whatsoever. U.S. Bank is holding approximately {$9000.00} of my money. They say my account was closed due to suspicious activity or fraud related transactions. Which I think is ridiculous. Im already a victum of id theft myself and going through this just makes my life even worse. Ive tried mumtiple times to try anf resolve this situstion but have gotten no where but in circles. I've been waiting for either a cashiers check or for the funds to be " returned to the sender '' as XXXX the fraud specialist has mentioned. XXXX is also holding another XXXX of mine and also realized that XXXX has been deducted from my account which I have no idea why. I'm furious and upset that I'm going through worse obstacles today because of this reason. I really am in need of help. For more Information please contact me.
Consumer complaint received 2022-05-04
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)

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXXL ( Original Creditor : XXXX ) XXXX Balance {$0.00}
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Management Services, Inc. (NE)

In XXXX, I signed for a certified letter from Credit Management , Inc. In XXXX, I ended up paying off my debt through the doctor 's office. I recently received a letter letting me know that this collector is now garnishing my wages. I tried to work with the company, but they were unwilling to work with me. Garnishing my wages is going to cause me to lose my house. They have not reached out to me in over four years. They said they didn't have a good number or address for me. They were able to get my address from the court, and my phone number is online. They didn't try too hard to get in touch with me at all.
Consumer complaint received 2020-12-14
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: Fidelity National Information Services, Inc. (FNIS) (TN)

The following phone numbers are listed on my chexsystems report. These phone numbers do not belong to me. They are a result of identity theft. 

The numbers I am disputing are : XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2019-08-29
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. (KS)

I sent dispute a dispute letter to Experian. Despite my requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that they updated that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully  intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Account Name XXXX Account Number XXXX Account Name XXXX  XXXX  & XXXX Account Number XXXX
Consumer complaint received 2022-06-13
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX Account # XXXX, 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 2022-06-13
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX AccounXXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, 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 2021-11-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

PayPal has refused to release my funds after it was held for 180 days and yet theyve refused to let gain access to it I need this money to pay my rents and bills I tried calling them and they couldnt provide solutions these peoples are invading my civil rights which Im going to take up a legal action if theres no solution as soon as possible
Consumer complaint received 2022-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have 2 Hard Inquiries from Capital one and XXXX applying for a credit card in my name on XX/XX/2022. This wasn't me. I called all 3 credit bureau ( XXXX, XXXX, and XXXX. ) I also notified Capital one to let them know and XXXX that these applications were not me. I will also be filling a police report which has not happened yet.
Consumer complaint received 2022-05-04
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. (TX)

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

XXXX XXXX XXXX XXXX : Acct # XXXX {$1200.00} Experian : Acct # XXXX {$1200.00} XXXX XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX Acct # # # # # # # XXXX {$370.00} 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 an account without my written instructions