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

Equifax is reporting false information on my personal private credit report, they are showing acts of defamation to my character. 

It is a fact that on XXXX my credit file was not reporting XXXX XXXX XXXX according to the notice I received from Equifax. 

According to federal law 15 U.S. Code 1681i ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: DISCOVER BANK (GA)

Discover Bank advertises prominently on its website that customers can use XXXX to transfer money via a Discover Bank account. I have had issues before where Discover just won't accept money from certain payment transfer services and have, in face, have had to refuse money from a friend a few years ago from what I believe was XXXX XXXX. 

So, knowing how difficult Discover can be, and relying on the information that I see literally every time I log into my account, I told several co-workers that they could send me money via XXXX for a group baby shower gift. 

My account still has an ad for XXXX. But I can't connect to my bank account. And when I emailed Discover for help, XXXX told me that I can not, in fact, link XXXX to my bank account, and there is no known fix date. A quick search of the internet revealed to me that this has been going on for many months- Discover is knowingly advertising a service that it will not let its customers use. This feels fraudulent.
Consumer complaint received 2023-01-26
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. (PA)

As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to Transunion, XXXX, XXXX and to guys concerning my issues.
Consumer complaint received 2023-01-26
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : 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 2023-01-26
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to discard the following inaccurate items. 
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 2022-09-13
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: Kikoff Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX Kikoff Lending LLC # XXXX Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FU
RNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I am waiting for a settlement to pay my Mortgage off but the Mortgage Servicer continues to harass me by calling every Tues and Thurs no matter what calling on 2 different phones even after they talk to me. One rep even cursed on my phone. They are out of control and I would like them to pay for every harassing call.
Consumer complaint received 2022-10-07
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: Nelnet, Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
DEPT OF ED/NELNET XXXXXXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET  XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (CA)

XXXX XXXX XXXX ceased operation in XXXX  All accounts were paid with {$0.00} balance, and the company formally notified all members that contracts were ended. 

Received a phone call, email and letter this year from ALDOUS & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. Each time the amount is increased, as though still billing... claiming {$150.00}. I explained and replied earlierthis year, and still receiving billing notifications.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to address the late payments that have appeared on my credit report. It has come to my attention that there are entries reflecting late payments, which I believe are inaccuracies and do not reflect my financial history accurately. XXXX XXXX XXXX
Consumer complaint received 2020-10-20
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. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their  Mortgage company XXXX XXXX has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company XXXX XXXX. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. https : XXXX! XXXX? XXXX
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (OK)

On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have  an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On XXXX/XXXX/XXXX, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (IL)

I'm filing this complaint against this loan servicer Green Tree this loan was a Predatory loan the amount we were charged a high interest rate for a loan amount we never received for years it all was a part of their deceptive practices and then they transferred the loan to another servicer Ditech which continued with the deceit. I have tried reaching out to resolve but was instructed to file a formal complaint against Green Tree and it's affiliates, So we did. 
Green Tree Mailstop XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. XXXX this information within XXXX business days, as required by FCRA Section XXXX, and notify all those providing this false info. Act now or face legal consequences. Accounts : 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 and XXXX XXXX XXXX XXXX XXXX Please remove.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (GA)

Capital Accounts called my number asking for a XXXX XXXX and upon already having gone through this with various other companies, I asked to speak to a supervisor or manager and requested to know where and through what skip trace are they acquiring my phone number for this person and I was told that they can't reveal the skip trace company and in asking for someone higher, I was told they aren't available. This has been a continued issue with collection agencies, including Capital Accounts that depend on inaccurate information from skip trace companies and then disturb my phone in the evening time. I want to know how and where they received my number and through what skip trace company so that I can stop this endless problem. 
The old " remove the number '' is no longer viable as far as I am concerned. I believe I have the right to know how they are acquiring my number so that I can hold the proper company liable for these issues- and if not, I can only assume this company wishes to take responsibility for TCPA Violations, as I have had my number for more than 10 years and it is on the do not call list.
Consumer complaint received 2021-08-10
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-04-05
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. (NC)

XXXX XXXX XXXX reported to Experian, XXXX, and XXXX that the account # XXXX was charged off as of XX/XX/XXXX. In the three credit reports the above account shows : Experian : A balance of {$22000.00}, past due of {$22000.00}, and 18 months of CO 's interpreted as 18 late payments. 

XXXX : A balance of {$22000.00}, past due of {$22000.00}, and 17 months of CO 's interpreted as 17 late payments. 

XXXX : A balance of XXXX, and 17 months of CO 's interpreted as 17 late payments. 

I reached out to XXXX XXXX XXXX in XX/XX/XXXX and requested that the inaccuracies in the account be corrected. It has been over 90 days and I have received no response. After receiving no response from XXXX XXXX XXXX, I began to dispute the information with Experian, XXXX, and XXXX through certified mail, and the three credit bureaus response was that the account would remain the same because it had been verified. I have disputed over four times and although I have attached and highlighted their blatant inaccuracies of multiple charge offs, past due amounts, and balances reported for the account ; all three bureaus continue to report the account as accurate.
Consumer complaint received 2020-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

There has been many complaints from Wells Fargo customers who checked the IRS website and got confirmation that funds have been deposited in their account on said date. On that date the funds are not available even on the business days after. There are numerous of people who have received their funds with other banks/financial institutions right on the date that was advised. This bank is corrupt and they are playing with people money which is a shame in these times. Please see the attachments of real life customers of Wells Fargo commenting and relating to each other in being XXXX by this bank. Veterans, workers, people who have banked with them for YEARS. And all Wells Fargo can give is a generic response.
Consumer complaint received 2019-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (VA)

On XX/XX/2019, I called my bank, Discover Bank, to request a domestic wire transfer of {$1000.00} from my account into my boyfriend 's account. I was told it would be done in one business day. I assumed that maybe my boyfriend 's bank is delaying the release of funds because it's the first time. He called his bank and they do not see any wire transfer coming in. So today is XX/XX/2019 I called Discover Bank to see what's going on and I was told that they had tried to reach me around XXXX  regarding this transfer. I was told that the Federal Reserve is requesting additional information of the beneficiary, my boyfriend, and I need to give them this information for him to receive the funds. They need his Nationality, immigration status, permanent residence address, place of birth. I called them back and told them if I can cancel the wire transfer and I was told by another representative that the funds couldn't be returned until the Federal Reserve has the beneficiarys ' personal information. He is from XXXX XXXX. The amount is {$1000.00} and it's a domestic wire transfer. I don't see the need for so much information.
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

On XX/XX/XXXX, I received a collections credit alert on my credit report from XXXX XXXX for {$910.00} dollars. I contacted them and asked them to verify the debt, including agreement that authorizes them to collect this debt, the agreement which bears the signature of the debtor and the complete payment history which shows the amount they are truing to collect is valid. 

On XX/XX/XXXX, I received a canned letter from XXXX XXXX stating the debt was verified and a single page from a ( XX/XX/XXXX ) XXXX XXXX statement. The information they provided did not verify the debt. 

On XX/XX/XXXX, I mailed XXXX XXXX a second request to verify the debt and include the requested items required to verify the debt under FDCPA. They have not responded with the requesting verification.
Consumer complaint received 2022-10-07
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. (WA)

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. This account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I understand that I do not have any financial obligation to this company in relation to the statute of limitations of this debt because is expired. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. I'm asking you to please DELETE this account from my file immediately! 


Original creditor : XXXX
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (NJ)

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
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: AES/PHEAA (TX)

My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.