davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (VA)

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.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-03-01
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion and XXXX are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt. 

The debt listed is {$320.00} Creditors collection service
Consumer complaint received 2018-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After Hurricanes in Florida, last XXXX, Bank of America offered payment forbearance on equity loan XXXX, 3 months, which I accepted. My understanding at the time, and with subsequent phone calls to my " account manger ( s ) '' XXXX, and then XXXX, was that the deferred payments would be tacked on to the back of the loan. 
once I started making payments again, in XXXX, unbeknownst to me, the bank reported me late, and owing {$3200.00}. As of recently they have me as 90 days late! 
This is destroying my credit, costing me money, and making for a finacial hardship with rising credit costs, and refusals for new credit. EVERYONE AT BANK OF AMERICA THAT I HAVE SPOKEN WITH AGREES THIS SHOULD NOT HAVE OCCURRED AS THE ACCOUNT WAS IN FORBEARANCE.The account manager explained they were " behind '' in their paperwork for the final agreement to be signed, but she would remedy the credit reporting.A few weeks ago I again spoke with XXXX XXXX XXXX, who again, " spoke with her manager '' and the neagtive credit report would be removed. IT HAS NOT!
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (KS)

After speaking with Discover Card regarding their illegal activity ( pulling from a known closed checking account ) I filed a complaint with the CFPB. Subsequently, Discover Card has maliciously closed my account. 

Discover Card clearly must be audited for their illegal and discriminatory practice 's. Consumers have a right to dispute charges as well as file a complaint without having to feel their account, credit, or access to credit will be put into jeopardy.
Consumer complaint received 2024-03-01
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had numerous bank accounts. Some of the banks have included : XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America, and now I am having problems with XXXX XXXX XXXX XXXX I have been to almost every bank in XXXX, CA. Everytime I open an account money has come up missing! I lost thousands of dollars from Bank of America, XXXX XXXX and XXXX XXXX XXXX XXXX. I decided to go to a credit union- XXXX  XXXX XXXX and now I am having the same problem. I am a XXXX XXXX woman and no one seems to listen to me. I have been trying to get help for years and have been unable to receive any help! Can you please help me! My information includes : email- XXXX and my phone number is ( XXXX ) XXXX. Thank you, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-04-26
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-08-09
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. (CT)

I have sent 4 letters on XX/XX/2018,XX/XX/2018, XX/XX/292018, XX/XX/2018 all certified mail. 
According to the Fair Credit reporting act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified  accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed. Thank you for your prompt assistance in this matter.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CT)

This company has started reporting on my XXXX  as of XX/XX/2020, and XXXX as of XX/XX/2020, exact date of being added I dont know but was on my credit as of XX/XX/2020. I only discovered the placement of these derogatory items from this company that I have never heard of prior to seeing them on my credit file. I have never heard of this company before spotting them on my credit files, never entered any agreement with them, and never had a communication from them. 
I researched this company upon seeing them on my credit files and see that they have many countless violations of the law and complaints issued about them. This is a serious concern to me in that I find it troubling to have a company with such a shady track record to have access to my information and files about me. They have not established their permissible purpose under the FCRA in accessing my credit files. 
This company opened these accounts more than five  days before I typed and sent this complaint and yet has not mailed me a validation letter of such debt. So they have made an initial contact by placing this derogatory information and yet they are violating the law in disregarding the Fair Debt Collection Practices Act by not fulfilling the validation of debt requirement offering me the chance to respond by demanding validation from them, denying me that lawful right. 
I am demanding of this company all documentation they have on file regarding this alleged account ; signed contract showing the existence of an account, the accounting showing the amount they are demanding, or the full and total deletion of this account from all of my credit files Credence is placing the account on, and their deletion of any and all personal information they have in their possession regarding me, and not to resell this alleged account. I have also demanded verification of this alleged account through the credit bureaus the account is placed on.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-02-05
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. (NV)

EQUIFAX HAS BEEN REPORTING FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT. A COMPANY CALLED XXXX XXXX XXXX XXXX HAS BEEN REPORTING NEGATIVE INFORMATION ON MY REPORT AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT NOR HAVE I EVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY. EQUIFAX HAS HAD A DATA BREECH IN THE PAST AND MY REPORT HAS BEEN AFFECTED. I DON'T EVEN HAVE AN INQUIRY WITH THIS COMPANY AND MY REPORT HAS BEEN TREMENDOUSLY AFFECTED AND I HAVEN'T BEEN ABLE TO BE APPROVED FOR THINGS DUE TO THIS FRAUDULENT ACCOUNT. I XXXX XXXX XXXX GIVE YOU MY AUTHORIZATION TO RESPOND TO THIS COMPLAINT,
Consumer complaint received 2018-05-22
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: Experian Information Solutions Inc. (IL)

Despite a written request to Experian that they are reporting inaccurte information on my credit file, Experian refuses to do a complete and accurate investigation. My last dispute to Experian was sent onXX/XX/XXXX. Experian received my dispute by certifed mail on XX/XX/XXXX. Experian has not sent me back a response within 30 days after receiving my dispute. Experian is reporting a Chapter XXXX bankruptcy in my credit files. I have never filed bankruptcy.
Consumer complaint received 2018-05-22
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)

I am trying to understand why it is OK for Equifax to compromise my credit accounts to the dark web and tell me that I now have to lock and unlock my credit report when I want to access it. I have spent over 2 hrs trying to get some explanation as to why their mistake is costing me my valuable time, when I did not cause this. Consider the COUNTLESS hours  and heartache they have caused Millions of consumers. This is unacceptable by any standard.
Consumer complaint received 2015-04-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

My mortgage is being serviced by Green Tree Services, LLC. They have continually lost our documents. Currently, they offered us a loan modification AFTER making our three trial payments. They would not disclose the details of the modification until AFTER making the three trial payments. When we did receive the details of the loan modification they proposed, it was not a HAMP modification from XXXX, but what they describe as an " in-house loan modification ''. The interest rate they want to assign to their in-house modification is ( 4.5 % ) and is higher than the previous interest ( 3.5 % ) rate we had when XXXX XXXX XXXX was servicing the loan but they refuse to acknowledge this, even though we have the documents to prove otherwise. Green Tree also does not have our income documents since they continually state they did not receive them or we did n't get it to them on time, which is not the case as we have always provided them this info within a week or two of their requests. In addition to the interest rate concern, they are not allowing us to get qualified for a true HAMP modification because they do not apply our income information that they say they never received.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (PA)

I have my PNC bank account linked to XXXX to purchase cryptocurrencies. I have been purchasing for a couple weeks now. But now that the investment has matured and I want to collect, PNC is telling me that they " have made changes that prevent me from linking my account. '' ITS ALREADY LINKED!! I can BUY into investments, but not SELL them? What sense does that make??
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (CA)

XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX  Past Due {$100.00} Pay Status XXXX  This just showed on credit report XXXX. Have not had att acount for 7 years, and do not have an active account or past due amount. This past due amount and account status is not correct, and requesting to be removed.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (SC)

I purchased what I thought was XXXX dollars of XXXX Clothes. 
In XXXX on the XXXX I discovered I was billed over XXXX! 
I immediately called Suntrust I was told to wait 6 months. 
Over and Over again. I was told to wait 6 months. 
I waited six months. In that time I contacted the seller 5 times to no answer. 
I contacted XXXX. They sent an email stating it would have to be a bank reversal as this consultant had no answered their emails or calls as well. 
I opened a fraud case # XXXX. First the money was put into my account and then I received a letter. It said they had made a mistake and took it out XX/XX/XXXX. 
Next I received a letter saying I had to file within 60 days so they closed the case, I was told 6 months via phone in customer support NOT 60 days.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AK)

On or about XX/XX/2021 Robinhood Financial experienced a massive data breach. On or about XX/XX/2021 and XX/XX/2021 approved and accepted my government issued IDs. On or about XX/XX/2021 Robinhood placed a restriction on my account preventing access to my funds and trading privileges. On or about XX/XX/2021 I received an email from Robinhood stating they were reviewing unauthorized activity I had reported concerning my account. 

This is a false allegation. I did not report unauthorized activity to Robinhood Financial concerning my account. 

Robinhood Financial denying access to {$6000.00} in my account has caused me to experience great financial and emotional harm. 

Robinhood Financial actions has caused me to experience great credit history injury with the major credit bureau agencies
Consumer complaint received 2019-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (TX)

XX/XX/XXXX RMP LLC XXXX XXXX XXXX XXXX. In XXXX XXXX RMP- # XXXX Creditor Number XXXX- XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX TX XXXX XXXX While trying to obtain correct balance of a debit that XXXX XXXX XXXX XXXX XXXX XXXX. for medical services dated XX/XX/XXXX, that was never sent to me until XX/XX/XXXX. They forward to RMP LLC collection to immediately place on my credit report public records to force me to pay something that balance was wrong. Instead of working with me to correct the issue. RMP refused to request from XXXX XXXX XXXX XXXX XXXX XXXX documentation for the correct amount. I had to research of the information for RMP and XXXX XXXX XXXX XXXX XXXX XXXX. Thru XXXX XXXX XXXX XXXX ( XXXX ) of TX that XXXX XXXX XXXX XXXX XXXX XXXX was paid for their services under XXXX contract amount. Then XXXX XXXX XXXX XXXX XXXX XXXX, then forwarded the rearming balance requested by XXXX XXXX XXXX XXXX XXXX XXXX. Of {$2.00}, XXXX on XX/XX/XXXX after submitted at the request of XXXX to filing on my XXXX claim with my auto insurance XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Then sent update to RMP that I was correct and did not owe {$4500.00} but {$2100.00}. RMP employee stated payment number XXXX confirm payment, identified herself as XXXX and Manager identity himself as XXXX since I was correct about not owing that original amount and paid the correct amount, stated they would email me a letter saying the debit was paid in full and remove the collection from credit file. As of XX/XX/XXXX, I never received the letter stating debit was paid, nor did they remove the collection from my credit file.This is an example how collection agency uses the credit report system to file derogatory marks to force people to pay something they do not owe. Then after agreeing to the error they never remove the derogatory marks from the person credit file.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-05-22
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. (CA)

For the past 3 months I have tried to have a fraudulent account that was placed on my Equifax credit report removed, but I am getting nothing but pushback from Equifax. I have supplied them with a certified police report and the account from XXXX XXXX XXXX/ XXXX remains. This is very disturbing because the account was not originated by me and has weaken my chances to get a loan that I need.
Consumer complaint received 2020-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IN)

On XX/XX/2020 and XX/XX/2020 a technical error with my bank occured, double payments to Freedom Mortgage in two amounts of {$1400.00} were sent twice. Freedom Mortgage is making it difficult for me to get my money back as promised today. I have spoken to a customer service manager and she can't refund the money, she says it is done in a different department. XXXX XXXX Employee ID # : XXXX ) refuses to put her supervisor on the phone. She also requested a bank statement emailed at a generic company email address, I sent screenshots of both transactions but she says they might not be good enough in order to get my money back. I have no money because of this error, I have XXXX XXXX XXXX, and I am a XXXX veteran who lives alone. In the end, I still do not have my money back and I am in dire straits.
Consumer complaint received 2022-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

Under the GLB Act of 1999 nonpublic information such as late payments, charges off and debt shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802.
Consumer complaint received 2022-03-09
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.