davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
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. (MO)

the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through Transunion service, but could not figure out how to do it properly
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MO)

the amounts are fine ; it was suppose to be in forbearance status entire time and not considered late. it has been considered late in XXXX and XXXX. I tried removing it through XXXX service, but could not figure out how to do it properly
Consumer complaint received 2017-08-23
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. (MD)

Please see attached I have communicated with XXXX XXXX vigorously to have information removed from my credit report. They have now deemed the card to have been opened fraudulently and I ask that each credit bureau review the attachment and remove this account information from my credit report immediately
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/19 check # XXXX for {$430.00} was cashed from my account that was not authorized to be cashed. It's obviously fraudulent because the endorsement on the back is signed with my name rather than the company who was supposed to cash it. I contacted Wells Fargo about it and they had me fill out a form and get it notarized. I did both however never received any form of contact from them on what happened.
Consumer complaint received 2020-02-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Millsap & Singer, LLC (MO)

Milsap and singer a foreclosure law firm who was suppose to be the trustee and have mine and the mortgage companys best interest in mind only had the mortgage companys best interest in mind as they have a financial insentive to side with the mortgage company not only did they not check to see if the lender had grounds to foreclose the stood by and did nothing as I was dual tracked during the foreclosure process the lender violated regulations z and x acourding to the Dodd Frank act tila act respa act and many other laws milsap and singer are in violation of breach in Trust laws and also present a conflict of interest as they are representing the lender in a lawsuit I have filed
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

My husband wrote a check for {$1400.00} for our rent as we do every single month, which was dated for XX/XX/2020. On XX/XX/2020, our bank ( USAA ) took out {$3400.00} from our account. When I tried to pay for my childs school lunch, the payment wouldnt go through because of insufficient funds. When my husband asked the bank for our funds back, they told us they would need to investigate it and we would not receive a reimbursement until it was complete. When my husband asked how our children would eat at school if we arent able to pay for school lunch, he was told to just use a credit card, like it was no big deal. They said they wouldnt reimburse us for any late fees, insufficient funds fees, or interest accrued from any credit card we may need to use. Not only had the bank hung up on us previous to this final conversation, we were blown off and basically told to deal with it when we asked for our money back. So we now have no money, and Im not confident the bank is even investigating this matter. The customer service Rep said it was the fault of the other bank so nothing could be done to help us in the meantime
Consumer complaint received 2022-12-05
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. (AL)

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. 

XXXXXXXX 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 XXXXXXXX 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 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 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 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have submitted disputes for an account that has been on my report since 2006 the bureaus refuse to remove the account. I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that aren't accurate and fraudulent accounts and inquiries school loans etc the bureaus refuse to properly investigate these accounts. This is a violation of my rights under FCRA laws.
Consumer complaint received 2019-05-10
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. (TX)

XXXX XXXX XXXX is reporting incorrect information on my credit report to Transunion. I have tirelessly contacted Transunion many times regarding this unverified debt. I have requested an internal investigation into a {$3000.00} debt that is being reported. Upon doing so, I contacted the XXXX XXXX XXXX and they are not able to share any information they have on the debt. I spoke to the manager on the week of XX/XX/2019 and she was not able to find my name under this debt or the apartment number it claims to be under. XXXX XXXX XXXX is aware of this problem and is unrelenting in removing this debt from the credit report. Transunion is the only credit company currently reporting it, but is also unable to find further information and details regarding the debt, even after the investigation period. This charge has stayed on my credit report and continues to be updated and harm my score through Transunion. The apartments and credit company have requested information I do not have to investigate properly. XXXX XXXX XXXX has not been able to prove my debt due to insufficient information on the case.
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX I pulled my credit report from the 3 major bureaus and i had a bunch of addresses that were not mine, I waited an entire month for the bureaus to write me back only to say they had an incorrect social security number.
Consumer complaint received 2020-07-31
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX {$1000.00} XXXX XXXX {$2600.00}
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM TRANSUNION AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED XXXX XXXX ON MY CREDIT THAT XXXX  AND TRANSUNION SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAVALRY INVESTMENTS, LLC (PA)

XXXX XXXX / cavalary portfolio is harassing me with phone calls, I have disputed the accounts with them because I am a victim of XXXX  XXXX and these accounts were opened without my knowledge by my ex wife and I want them off my credit report and closed.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I had a check cashed at Check Smart, signed Without Recourse letting them know that I accept no responsibility for non payment under UCC 3-415. Check Smart has XXXX XXXX Police making threats to my client who cashed the check, I have P.O.A. to settle the matter. I claim no liability for Check Smart 's negligence, they verify any check before cashing. An EFT must have been received by Check Smart and they have insurance on my clients account in which I have sent a request for Validation that's in the works now. I sent the Chief of Police a private correspondence. He will receive tommorow! Officer XXXX has called my client in XXXX XXXX and threatened him over and over, with threats of charges, jail, repayment of the debt. I've sent a private correspondence to the C.F.O of Check Smart in XXXX, Ohio. We had no intention on bouncing a check, that's why I verified threw XXXX XXXX my account is good. Furthermore Check Smart has a performance Bond and a payment Bond to cover any mishaps one of their employees make. My client and I accept no liability and wishes to charge XXXX XXXX with violations of the FDCPA 3 different incidents. {$1500.00} each. For making threats to my client and I. I wish to have the CFO of Check Smart XXXX XXXX comply with my request to resind my clients contract and stop harassing me or XXXX XXXX. The check is under an Estate Check EIN # XXXX. I want CFPD to put a stop to this harassment and threats. To have the insurance of Check Smart close and settle the account for my client via P.O.A. and forever resolve this matter! Close and Settle my clients Account immediately!!! Thank You Mr.XXXX of XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, OHIO XXXX NON-DOMESTIC
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX and Transunion keep adding back a delinquent XXXX XXXX account to my Credit report when this account does not belong to me and is a result of identity theft. The XXXX XXXX Account # XXXX that was opened XX/XX/2018 does not belong to me and I have submitted an FTC report to both bureaus which the # for this case is # XXXX. I am trying to go for an apartment and this delinquent account that I have no knowledge of and does not belong to me is ruining my credit I need this fixed ASAP! I have already had it removed multiple times and dealt with XXXX and Transunion it isn't on my XXXX or reappearing on my equifax. It's these two bureaus that are breaking FCRA laws allowing for inaccurate and vile bad data information furnish to my credit report!
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-29
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. (MS)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, XXXX5 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. 

I applied for a card and was denied. Then I called and let them know that there are arbitration provisions in their own agreements that can be considered as additional information of that my credit report isn't indicative of my actual creditworthiness. I told them to consider that and applied again. I was denied again. 

So ... XXXX it. If I can't use it, one of you people who might read this and actually be able to do something with it can. XXXX it. I'm putting all of this XXXX out for the public. XXXX... it. 

It looks like they can't trade your information on new accounts per their privacy policy because probably qualified as a 1031 exchange of real property under the tax code. It's all XXXX. I'll be back after I try another credit card application because XXXX this XXXX.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

Ive noticed a lot of unauthorized XXXX  inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX acct. # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX credit, XXXX XXXX XXXX has violated my rights . Several of these account were deleted and fraudulently added back to back account after being deleted. 

15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions
Consumer complaint received 2022-10-06
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has detrimentally affected me and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 15 U.S.C

1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

On XX/XX/XXXX year my loan was transferred to Sps for servicing of my loan from XXXX and I had just completed a modification and my taxes and insurance was suppose to be paid by the servicer. 

I received a letter from the County that my taxes have not been paid and I would loose my property XX/XX/XXXX. 

I contacted Sps and filed a complaint regarding this issue and was told that the taxes would be paid on my behalf after speaking with XXXX XXXX at XXXX XXXX XXXX. 

I receive a letter today attached that my escrow was removed without my permission and SPS failed to pay those taxes which is why I have lost my property and I have documentation that Respa violations have been violated and no enforcement action has taken place. 

I now have to file a lawsuit hire and attorney to sue for violation of my rights if those taxes have not been paid.
Consumer complaint received 2022-01-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Asset Agency, Inc. (FL)

Global Asset Agency added a bogus collection to my XXXX account that is not mines. I did not receive a written communication announcing this debt. I did not receive any written communication citing my dispute rights. I've never heard of the collection agency or the original creditor. I don't even have any voicemails or other communications from this collection agency. I believe that this agency is fraudulently trying to collect money from me for a bogus account by placing this account on my XXXX Credit report without any written or verbal communication, in hopes that I would call and pay something that I do not owe.