davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open Late Dates : XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX-Late/Open Late Dates : XX/XX/XXXX
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-02
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. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-02
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. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I used my debit card to purchase a door from XXXX XXXX XXXX XXXX My bank card was with Capital One Bank . The card was run through 6 times and the bank authorized pay ment 3 times the amount was {$4200.00} times 3 that illegal plus my limit was {$2500.00}. I went to the bank and talked to at less 8 agent 4 were supervisors the all had a negative attitude showing me on the screen my account was right but would not let me see the other screen that showed the truth and the name of agent the made 6 illegal mistakes my account is still missing {$4200.00} Tried to file complaint at the bank but they would not allow me to nor give me any information how to file a complaint.
Consumer complaint received 2024-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (TX)

Dispute Letter for Denied Dispute Opportunity on Debt in Collections **XXXX  XXXX Charge amount : {$2000.00} Date charged : XX/XX/year> XXXX*DNF Associates** Dear DNF Associates, This letter is to formally dispute the debt you are attempting to collect from me regarding account number [ Account Number ( if provided ) ]. I have not been given a proper opportunity to dispute the validity of these charges. 

The Fair Debt Collection Practices Act ( FDCPA ) grants me the right to dispute a debt within 30 days of receiving notice from a collection agency. Unfortunately, I was not provided with the necessary information or a clear process to contest the charges. Also I have researched this company within the consumer access portal and have found out that this company does not have a license in my state ( Texas ), to operate as a debt collector nor a collections agency. 

Please cease all collection activity until I have had a chance to review the verification and dispute the charges if necessary. This includes phone calls, letters, and attempts to contact me at my workplace. 

I understand that if I do not respond within 30 days of receiving a proper dispute process, you may assume the debt is valid. However, I reserve the right to dispute this debt further. 

Thank you for your time and attention to this matter. 

Sincerely,
Consumer complaint received 2022-08-29
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. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX Account # XXXX, Account # XXXX, Account # XXXX, has violated my consumer rights 15 USC 1681 Section 602 A. - States I the consumer have the right to Privacy.

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that the Consumer Reporting Agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a respect for the consumer 's rights to Privacy
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

In XX/XX/2022 my American Express credit limit was {$6000.00} In XX/XX/2022 my American Express credit limit was {$4300.00} No letters or correspondence explaining this discrepancy My credit rating has been negatively impacted My monthly payment has now jumped fro {$91.00} to {$350.00}
Consumer complaint received 2022-08-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, MN XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements upon request.
Consumer complaint received 2019-01-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC (TX)

Di-Tech Holdings claims that I foreclosed on a home loan in XX/XX/XXXX. The home was taken back by bank Green Tree Services for {$620000.00} in XX/XX/XXXX, which more than covered the note. I don't know who Di-Tech Holdings are but they have put a negative note on my credit report with the major agencies. They have the date wrong and since they made money there should not be a negative mark on my credit report.
Consumer complaint received 2022-08-29
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. (NJ)

TRANSUNION has my private information that includes account numbers, my social security number & more with out my consent. This is aggravated identity theft. They do not have my written instructions to furnish a consumer report and/or credit report. They are continuously willfully not complying with the law and ignoring my demands to remove XXXX XXXX XXXX XXXX from their system and off of my consumer report which they call a credit report. There were even addresses on the credit report that are not my address.
Consumer complaint received 2022-08-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Problem with Experian dropping my credit score by XXXX points for a withdrawal of {$400.00} from a revolving loan which I expected. I did no expect them to drop it an additional XXXX points two weeks later for same transaction. No other changes were made at that time. TIn the last 6-8 months they've dropped my score from XXXX to XXXX to XXXX and now it's XXXX. No major changes, just same {$400.00} withdrawal and repayment in a couple of months. I also questioned why they dropped my score by XXXX  points in XX/XX/2022. Creditor used hard inquiry which should have been soft inquiry and not remain on my account for two years. Creditor advised Experian of this change according to letter that they sent me but nothing was ever done. My credit score is XXXX with XXXX and XXXX XXXX. When I make withdrawals they drop my score about XXXX points. Why is one company able to significantly drop scores for what appears to be no reason nor provide any explanation. I use my cards and accounts and I pay on time every month since I've had these accounts. Your assistance would be greatly appreciated.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-08-29
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. (TX)

My name is 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 2019-01-28
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)

I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. 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. Please have this false information removed from my credit report.
Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VT)

In XX/XX/XXXX I attempted to make my mortgage payment online using the same savings account I had used every month and it was declined due to " invalid account. '' I verified the account number and it was correct. I contacted Ditech and they told me the only way I could use the account is by having the bank contact Paymentus, their online payment system and verifying the account. I was able to have a representative from my bank fax over a statement that the account number was valid and the Ditech Representative took the payment over the phone and waived the fees for making a payment over the phone. 

XX/XX/XXXX I attempted to make my mortgage payment online and learned about a week later it was returned for the same issue. I contacted Ditech and they set up reoccurring payments using the savings account over the phone for the next 3 months ( XX/XX/XXXX-XX/XX/XXXX payments ) and waived the fees for paying over the phone XX/XX/XXXX and XX/XX/XXXX I  made payments online using the same savings account with no issues. 

XX/XX/XXXX- I made a payment using the same savings account on XX/XX/XXXX and only learned when i checked my balance on XX/XX/XXXX that my payment was returned for invalid account. They did not send me any notifications that this payment had been returned. I contacted Ditech and they told me they were not going to be waiving any more fees and I would need to take this issue up with Paymentus because it was a problem on their end or on my bank 's part. They refused to verify the account or routing number that I used and stated that I would either need to figure it out with Paymentus or pay them from another account. I have no other way to pay this bill and they are refusing to take my payment.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

I received {$200.00} on XX/XX/XXXX to my CashApp. I sent this money to my account on XX/XX/XXXX. I discovered at XXXX on XX/XX/XXXX that CA sent the money to XXXX XXXX. That account was closed in XX/XX/2024. There is nothing in the app to show where any money is going. I changed my banking info when I opened a new account at XXXX in XX/XX/2024. So, when I send money via CashApp, it comes from XXXX. That means when I send money back to my account, it should go to XXXX. Cashapp sent it to XXXX for no reason. 

Ironically, when I tried to send {$40.00} back to my XXXX account, it was declined and returned at XXXX on XX/XX/XXXX. So the {$40.00} came back but the {$200.00} has disappeared and Cashapp was the vehicle BOTH times. The {$200.00} is missing and the {$40.00} is inaccessible. Cashapp has done nothing to help. They will not confirm what bank money gets sent to. They will not answer the corporate phone number. They will not answer any question I have on XXXX and I am very certain they are just using AI because they don't want to deal with people. 

When I send money to someone on the app, it clearly says that it is coming from XXXX XXXX. But when I send money back to my account, there is no bank listed. I have checked every single setting and menu option and *NO WHERE* is XXXX XXXX listed .
Consumer complaint received 2022-08-29
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. (KS)

Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am requesting you remove this item immediately. The XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer ) -Accounts reported in error-Incorrect Account Number, Account number not consistent with other agency reporting
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get deleted immediately. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : $ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Top line reporting has reported an account on my transunion credit report without my knowledge or consent I want this removed immediately as it is violation of my consumer rights that must disclose consent before reporting to my credit bureau report
Consumer complaint received 2022-04-29
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: NAVY FEDERAL CREDIT UNION (CO)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.