davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my THIRD request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-15
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. (NC)

I sent an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial (MO)

I sent a friend of mine {$150.00} on one transaction and before that {$25.00} they locked both people 's accounts that I sent the money to with the money still in the account after the friends try to get back in the account or get a refund of the money they either didn't respond or kept saying that transactions can't be cancelled set that they needed to click a lost password link which never came to any email of theirs and they have never give me my money back
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

XXXX  account was called in and closed out by me, the consumer. I called to make payments on the account, spoke with representative from XXXX, and was advised this account can not be paid, no payments can be made. If this account can not be paid by me as a consumer then I want it removed.
Consumer complaint received 2018-06-15
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. (WA)

Experian is reporting accounts that have no right to be on my consumer report and ignoring my request for copies of consumer applications in my file that was sent to them for verification. I sent a letter on XX/XX/2018 along with a notary proving I am the person sending this letter through USPS certified mail. In that letter I stated that this was a request for information and it is NOT A DISPUTE LETTER. Since all consumer applications must be verified, copied, and retain in the consumer file, I asked for the consumer applications for the accounts listed in the letter. I on XX/XX/2018, I received a letter stating the results of dispute investigation. Instead of providing the requested information, Experian opened disputes against these accounts. WHY WERE DISPUTES OPENED WHEN I STATED THIS WASN'T A DISPUTE LETTER? AND WHAT FALSE DISPUTE CLAIM DID EXPERIAN SEND TO THE FURNISHERS? No dispute should have been made. If I did dispute, it would be with Experian for being Non-Compliant with the FCRA.
Consumer complaint received 2023-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Galaxy Capital Acquisitions, LLC (MN)

I payed off this credit card in may of XXXX, and than again in XXXX when they said i owed still a passed due amount so i paid that off and than didnt hear from them again til today when i get a notice from my credit union stating that they froze XXXX from my bank account. which was the first time that i heard from this company since aug. of XXXX. the money that they froze today was my insurance money from a loss of our garage to rebuild a new garage with. so i am not sure what to do.
Consumer complaint received 2019-04-16
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. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX  XXXX, XX/XX/XXXX, {$7500.00}, The XXXX  XXXX XXXX, XX/XX/XXXX, {$360.00}. The following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX  and XXXX XXXX
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (GA)

I have never received notice of this debt. The account in question is reporting to the credit bureaus and I have since disputed specifically through XXXX. They in turn preceded investigation and they found that it meets FCRA requirements. I still have not received any documentation validating as to why I am liable for this debt. Also per NRS 11.190 2 ( c ), the period of limitations to commit actions against contracts or obligations not found in writing has been reached.
Consumer complaint received 2023-07-25
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. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2023-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I am filing this complaint against Wells Fargo and XXXX XXXX XXXX. 

My mortgage loan was transferred from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Prior to transfer of my mortgage, my account was current with Wells Fargo. 

When my loan was transferred 10 months of payments to Wells Fargo " disappeared '' and/or were misapplied by Wells Fargo and did not port correctly to XXXX XXXX . Wells Fargo mortgage continued to assert to me that all my information was correctly ported over to XXXX XXXX. 

XXXX XXXX refused to talk to me because I was in a XXXX XXXX bankruptcy. However, behind the scenes they " ingested '' {$10000.00} worth of mortgage payments, applied them to my account, and then " reversed '' them from my account. Despite months of my pleading to XXXX and Wells Fargo, XXXX XXXX took me to XXXX XXXX Court to request a stay from relief so they could foreclose on my property at XXXX XXXX XXXX. 

I am attaching documentation showing my monthly payments to Wells Fargo including paying escrow shortages between XX/XX/XXXX and XX/XX/XXXX. Between fall of XXXX and XX/XX/XXXX, I was in a XXXX XXXX federally-sponsored COVID forbearance of my mortgage. 

I am filing a complaint regarding Wells Fargo misapplication of funds paid toward my mortgage and for not correctly transferring my payment history, monies paid, and account records to XXXX XXXX.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery Solutions Continues to report INACCURATE Information to XXXX XXXX and XXXX, which is a huge VIOLATION. 


Portfolio Recovery/XXXX account # XXXX Please remove account due to violations 1. Can not have a past due this is a collection account 2. Can not be late 120 days on a collection account 3. Date of last activity is inaccurate XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 4. Can not have a past due this is a collection account 5. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 6. Can not have a past due this is a collection account 7. Can not be late 120 days on a collection account 8. Reporting Date of Last Activity inaccurately. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove immediately for violation. 


Portfolio Recovery ( XXXX XXXX ) Account # XXXX Please remove account due to violations 9. Can not have a past due this is a collection account 10. Can not be late 120 days on a collection account Account in violation by reporting inaccurate Date of Last Activity. XXXX XXXX reporting date of XX/XX/XXXX XXXX shows date of XX/XX/XXXX. PLEASE REMOVE THIS ACCOUNT FOR INACCURACY. 


Portfolio Recovery/XXXX XXXX Account # XXXX Please remove account due to violations 11. Can not have a past due this is a collection account 12. Can not be late 120 days on a collection account
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY ()

For almost 5 months now, I have put a lot of action on my part to get this matter out to the bank, TD Bank in XXXX XXXX - numerous emails inside my online business account, calling the general TD phone number of the branch, calling specific numbers, leaving voicemail messages and emailing using the email address connected to the business account. I have told them I want my account closed and a cashier 's check for the remaining balance of {$10000.00} be issued either to my business or to me personally. 

There are 2 staff I have been dealing with regarding this : 1. XXXX XXXX - phone number XXXX XXXX XXXX 2. XXXX XXXX, VP and branch manager - phone number XXXX XXXX XXXX , TD Bank , XXXX XXXX XXXX , XXXX XXXX, NY XXXX One particular instance showing the bank or XXXX XXXX does not care. This was after many voicemails I left on XXXX XXXX XXXX phone. On XX/XX/2019, Friday, XXXX XXXX XXXX, I called her twice and she finally answered my call. She told me that on XX/XX/2019, Monday, if she did not call me back, I could follow up with her and she would deal with my account. I gave her more time and I called on Monday at XXXX : XXXX XXXX. When I spoke with her, she said she wanted me to call her back in one hour. I gave two hours and called her back at XXXX XXXX XXXX. Again. she said to call her back and I called at XXXX : XXXX XXXX but it went to her voicemail ( all showing in my call log ). It is almost one month now and I have not received any callback from her. 

I am putting this in your hand CFPB in the hope that someone in that bank makes sense and can provide me with my request.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX continues to report inaccurate data onto my credit report with Equifax and XXXX. See attached screenshots of my credit report, XXXX XXXX has not validated this collection and they continue to not report the first delinquency data to Equifax and XXXX and Equifax and XXXX continues to not report the first delinquency date and ignores my disputes regarding this issue that is clearly causing my Credit score to drop. I am in fear this company XXXX XXXX XXXX and Equifax both by not investigating this has caused my credit score to suffer grave damages for years. This is for account XXXX.
Consumer complaint received 2018-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I have an old credit card account with Navy Federal credit union. Through this complaint forum, or through credit disputes, is the only way that I can contact Navy Federal, as  they refuse to talk to me, even though I am still a member. I have a charge off that I am making timely payments on with them, as per a written and signed agreement. This agreement is filed with the XXXX County Courts for record. This is reporting as a " Charged off Account '' on my credit report. However, it has been " TRANSFERRED '' to a Navy Federal Credit Union Lawyer, XXXX XXXX for collection purposes. A charged off account usually indicates it has been transferred, often with a statement on your credit report that says, " Transferred ''. My credit report needs to include a new account entry, most likely from Navy Federal or Mr XXXX, for this debt. The entry showing " Transferred '' is now going to be the active account entry in my credit report, not " Charge off ''. The term " TRANSFERRED '' is neutral. It also can be associated with a positive history when Navy Federal transferred the account to Mr XXXX and I continue to make timely re-payments. There would be no negative impact from the transfer. Scores would simply reflect if all payments were made as agreed after the transfer. 

Indicating transferred on my report will also help me more easily track the history of the debt from the original lender, Navy Federal, as I continue to make timely payments. I have been making timely payments for many months now. I have proof, in the form of cancelled checks, enclosed. I also have a letter, from the collection agent, Mr XXXX, to whom I make these payments, this is not Navy Federal. Since Navy Federal has written off this debt and transferred it to Mr XXXX, and they refuse to talk to me and won't update my credit report, I ask for review from the CFPB. I also ask kindly, again for Navy Federal, to please update my credit reports. They should read, " Transferred '' $ XXXX   monthly payments, " paying monthly '' ... Not " Charge off past due '' ... Please review enclosed documents and update. At the very least, update my report to " Charge off paying monthly '', {$320.00}. Which is the Gods honest truth of the matter.
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

This Company- Commonwealth Finance , keeps reporting that I owe a debt I have paid in the past. I have disputed this info with the credit bureaus. Now, having done that, after reporting them to try to get the info removed from my Credit Report, they are now sending me a piece of mail showing they want me to pay for a different collection I know nothing of AND it shows the amount owed is {$0.00} but they want to collect anyway. I do not owe these people or those debts. What they are doing is not right! I want this company to stop reporting me falsely and trying to get me to pay money I do not owe. I have done my research and this company is well known for having class action law suits against it for this exact  thing including hundreds of reports to the XXXX for unlawful attempts at debt collections.
Consumer complaint received 2023-06-29
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. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-15
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (LA)

XXXX XXXX has repeatedly made calls to my office extension during the month of XX/XX/2019. On Thursday, XX/XX/2019, XXXX XXXX XXXX made multiple calls to my extension. When they could not reach me on my direct line, they called the front desk and called other extensions. They also made harrassing calls to three of my co-workers on their personal cell phone ( not work related ). I never gave this company numbers of my co-workers. I did not even know my co-workers ' cell phone numbers, so there is no way that I gave this company their numbers as a reference. So that means that they had to breach the privacy of my co-workers to find their personal cell phone numbers. This is despicable and can not be legal! On Friday, XX/XX/2019, I emailed, faxed and mailed XXXX XXXX XXXX  a letter telling them to only contact me in writing.
Consumer complaint received 2019-04-15
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: ALLIED MORTGAGE GROUP (PA)

I received a credit monitoring alert in XX/XX/2019 that my credit report was checked by XXXX XXXX of Allied Mortgage. There was no consent given to Mr. XXXX to run my report. I had several telephone conversations with Mr. XXXX for corrective actions to have this removed from my report. Mr.XXXX agreed. I've sent mr. XXXX an email as a follow up, as well as contacting the Manager of Allied Mortgage. To no avail I have not received any follow up calls, emails etc and this unauthorized inquiry is still on my report affecting my credit.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX is blocking XXXX from accessing my CapitalOne account. So, effectively, pushing me to use other banks. XXXX is a legitimate financial institution with all appropriate permits and licenses. It is NOT a CapitalOne360 business how I use MY money, as long as it's lawful. Please stop CapitalOne360 discriminating millions of customers!!!