davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Consumer complaint received 2019-03-20
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. (NC)

Debt : {$500.00} XXXX The debt in question is due to an overpayment from the Veterans Affairs Office.  This debt did not arise from a contract or agreement to pay. The 31 State AG Agreement, XX/XX/2019, explicitly states " The CRA 's shall prohibit Collection Furnishers from reporting debt that did not arise  from any contract or agreement to pay ( including, but not limited to, certain fines, tickets and other assessments ). '' This is stated on page 12 of said agreement, attached to this email, paragraph C and D. 

I also include a link to said document : https : XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TransferWise Ltd (NJ)

I used a service called wise, for personal and business purposes. They allow you to send money and receive in multiple currencies. i have used them for a decent amount od time. Out of the blue, they shut my account, which they are entitled to do. But i had about {$13000.00} in there! I didnt receive one email that my account was even shut, i only learnt this when i tried to sign in! Not one email that, hey your account is closed, but dont worry we will send you the money you legally own and are entitled to! They dont have any customer service or anyone to talk to. When you call they read everything on our website we cant help with anything. When a real financial institution in the United states shuts your account they dont take your money ransom and they constantly follow up with emails. On their website they make you fill a form to start an appeal to get your own money back that was seized from them! The only one in this country that has the power to seize money is the united states government, not some bogus 3rd party app thats not a financial institution! I demand correspondence, transparency and communication regarding my money seized. I think fake institutions like this should be banned from the united states, they are dangerous!
Consumer complaint received 2020-11-05
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)

I have attempted numerous calls with the bureaus in attempt to remove collection accounts and an installment account on my credit report which were results of identity theft. The accounts are still listed on my credit report. I have attached the FTC report for my identity.
Consumer complaint received 2018-02-02
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: ALLY FINANCIAL INC. (AL)

The document Ally Financial has uploaded is NOT VALID. I have mailed Ally Financial a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at ally and at the dealership who worked with her to cook up this fabricated MESS
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I write to complain about the Facially False data reporting of my Account at XXXX XXXX XXXX which account was reported as Closed At Consumers Request on and before XX/XX/ but between XX/XX/ and XX/XX/, such CLOSED at Consumers Request REMARK CODE was REMOVED which now inaccurately reports my Closed account as OPEN in willful violation of the FCRA and Metro 2 protocols. Once an account is Closed, controls to prevent reporting it as OPEN were required to prevent Facially False Data from forever reappearing similar to preventing a dead person from coming back to life which is impossible. CRAs had data which should have prevented the later changing my account to OPEN. Both furnisher and violating CRAs are liable for statutory damages of {$1000.00} for each and every FCRA willful violations. I previously complained about failure to promptly report my Account as Closed and now after finally reporting my account as closed, Furnisher willfully reported it again as OPEN by removing the CLOSED remark. Idiots. Parrots. Bots. Make my day by continuing to willfully violate the FCRA. I now demand punitive damages for repeated violations including reporting Facially False Data.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (GA)

Hi, My name is XXXX XXXX XXXX and I am a Certified XXXX XXXX XXXX in the state of Georgia. I am receiving threats and being harassed, via email and text messages, from a Loan Officer with LoanDepot regarding an appraisal I performed on his property. The Loan Officer is XXXX XXXX GA Lic # XXXX & XXXX # XXXX. 

On XX/XX/XXXX of this year, I started receiving emails and text messages for Mr. XXXX stating he was upset with the market value of his home and is threatening retaliation if I do not change the value. Mr. XXXX has continued to threaten and harras me to include his latest text message on XX/XX/XXXX at XXXX XXXX. 

I have filed a complaint with his company, however, after talking with his supervisor, XXXX XXXX, It did not appear that anything will be done and have not yet received a resolution. 

Threatening and harassing an XXXX is a serious violation and I am asking for your help in this matter. 

Attached are the emails and text messages from XXXX XXXX. Note that the emails are from his XXXX email account and contain his picture and position at XXXX.
Consumer complaint received 2022-02-07
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. (TX)

I was in the process of refinancing my mortgage. 
I received a call from XXXX XXXX advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give XXXX XXXX permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion 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 2022-06-12
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. (TN)

On XXXX XXXX my credit score went up on XXXX XXXX points from XXXX to XXXX and on XXXX XXXX my Equifax score went up XXXX points from XXXX on XX/XX/XXXX XXXX to XXXX on XXXX XXXX then my equifax score went down XXXX points on XXXX XXXX from XXXX to XXXX on XXXX XXXX no change then on XXXX XXXX my Equifax went down XXXX points to XXXX but it said they found no changes to my report on XX/XX/XXXX XXXX but on XXXX XXXX XXXX XXXX emailed and stated XXXX did a hard pull for XXXX XXXX which is now apart of XXXX XXXX  on my credit report they said XXXX was in the process of removing the hard pull from my credit and fixing the related impact to my score XXXX did remove the inquiry but they didn't restore my credit score back to where it was my score dropped XXXX points on XXXX XXXX from XXXX to XXXX all this happened after the inquiry they never fixed my score they added XXXX points to my score to raise it to XXXX i would like XXXX to fix my report back to where it was and i would like Equifax to restore my score and remove the collection on there from XXXX XXXX .. they keep saying its accurate and it isnt the account was opened in XXXX but they keep saying it was opened in XX/XX/XXXX i have proof that it was opened in XXXX
Consumer complaint received 2018-10-15
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: CITIBANK, N.A. (CA)

Today, XXXX, I received notification of a hard inquiry made on my credit by Citibank, listed as : CITICARDS or CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX My XXXX  credit report states, " CITICARDS obtained a copy of your XXXX Credit Report. 
A lender has requested a copy of your Credit Report for an installment loan. Every time you apply for credit, a 'hard inquiry ' is placed on your Credit Report and it may stay on your report for 25 months. '' I made no request for an installment loan from this bank. Either someone else has instigated such a request with this bank using my identity, or the bank took it upon itself to perform a hard inquiry without my request, permission, or knowledge.
Consumer complaint received 2020-11-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

My wife and I, applied and were tentatively approved for a V A refinance through Navy federal credit union ( XX/XX/2020 ). All concerning documents were then submitted numerous times as requested to loan officer ( XXXX XXXX ). But then Amid all transactions and setbacks lasting through ( XX/XX/2020 ), We then received a denial letter stating all requested documents were not received by them in a timely manner resulting in their actions. That was total XXXX and the LAZY ) loan officer assisting us as well as her supervisor knows the same. XXXX XXXX and her supervisor who phoned me during the aftermath should be fired..
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (GA)

I recently received a notification from the credit bureau of a collections account from Receivables Performance reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX with Receivables Performance acknowledged the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX and XXXX are reporting an account with XXXX  XXXX XXXX that should have been removed due to the 7 year rule.
Consumer complaint received 2018-04-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MacDowell & Associates, Ltd. (CA)

Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2024 I had sent out a certified letter to TD Bank NA included in that letter was my ID to inform that this was actually me, and a letter stating that I needed details on this account, original contract with signature, and 30 days to comply they signed my return address on the letter I have sent but did not receive anything further from them an now its been 30 days. By law they need to delete my item from them on my credit report. I have also tried everything I possibly can to get this debt resolved called multiple times hours on the phone wasted also mailed certified letter still no response from ( TD Bank NA. ) creditor. I also can provide proof that certified mail was sent to the address listed on my credit report the only contact info they did not provide a phone number affiliated to the account. XXXX had attempted to reach out to them at least 3 times. They have not reached out to me under any circumstance just feels like Im being ignored. I need to get this item removed from my credit report immediately due to XXXX XXXX and trying to get approved for an apartment is very cumbersome for my wife an I. In the meantime, this action on my credit report keeps showing negative/late when in fact its a charged off account. Thank you for your immediate attention to this matter.
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: EQUIFAX, INC. (MN)

XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights. 

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXXXXXX XXXX XXXXXXXX XXXX Last reported XX/XX/2022 In accordance with the Fair Credit Reporting Act. The account above has violated my federally protected consumer rights for privacy and confidentially. Under 15 U/S/C/ 1681 this Account has violated my rights.

15 USC 1681Section 602 A states I have the right to privacy 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information with out my written instructions
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. (FL)

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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 2022-05-04
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. (CA)

My issue is with Experian I have been disputing these 2 accounts reporting on my credit report that are not mines. 
Experian tells me they have verified that accounts are mine. 
I asked how did they verify that accounts are mines, they ignore my request. 
I have expressed my right to 15 U.S.C 16881G. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to Me
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

An 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 2021-12-08
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: Resurgent Capital Services L.P. (OH)

I am very upset with this issue. I sent a letter to the Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2024-03-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (NC)

This debt is unfair and not correct to my knowledge. The issue now is that NCB has responded to a previous complaint but this complaint is different. I want NCB to be able to explain why Im being charged of a debt when I have a balance of XXXX $ with my XXXX  account and have documents that display I have 100 percent paid off this balance. This is was not explained to me in my previous complaint to NCB management. NCB management has stated XXXX sold them this debt when I spoke to them via phone and Ive tried several times to reach NCB via phone since then and have not spoken to someone further regarding this issue. They have stated this debt was sold to them but I would like further documentation that can explain why and how this is so when Im attaching docs that shows my XXXX account was closed and paid off 100 percent. Years later, I receive notice from my credit report that of a debt I never had any knowledge of due to the fact I was always understanding that the account was closed and again, with a XXXX balance. 

Again, please show other information and document that can explain why i have documentation that says otherwise which is very unfair to me to understand an account is paid off and then years later receive notice saying something other than this. I have docs. aSee attachments