davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting 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. 

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 2020-05-18
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

During a home refinancing program for veterans, they reported my loan as being late. I was not late, paid mortgage payments as scheduled ... .. while the paperwork was being processed for loan modification period. Wells Fargo sent a letter telling me I was approved and when my payments would resume. I was not late making payments during the process of them refinancing the loan. The dates in question where during the home modification process ....
Consumer complaint received 2023-01-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

1,, I received a letter from Citibank, N.A stating that i was enrolled in a credit protection program offered by this bank for which i was charged a monthly fee. And if i believe that i was enrolled without my consent or knowledge of the program costs or benefits to go to the website Citi.comRefundInquiry and submit a claim for a potential refund before XXXX XXXX, 2017 with the reference number XXXX and a tracking number XXXX which i found no way on the web to contact or communicate with customer service. I called CFPB and was advised to file a complaint.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

Took so long to verify my identity with drivers license. Tried to delete account to make a new one, found out that it wasnt permanently deleted and that I would need to contact them to reopen it. Did so and havent received an adequate response for a while. I only received an automated email. This needs sorting as there is money sat in an account that I cant shift unless I get my account opened and verified.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from Chase bank through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( Chase, XXXX, XXXX XXXX XXXX and XXXX XXXX  ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX  and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted Chase and claim was filed three time and they denied each time. Chase disclosed that XXXX XXXX  was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing Chase bank in that matter. All of the claim agents from Chase Bank was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to Chase daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way. PLEASE HELP ME RESOLVE THIS MATTER DUE TO THE LACK OF FUND TO SUPPORT MY MEANS.
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-01-21
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. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day 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 plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX
Consumer complaint received 2020-10-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (IN)

Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX  after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (GA)

I called to pay a balance my school reported to them for {$3600.00}. They tell me that I owe {$4700.00}. Now I owe over {$1000.00} to pay a past due debt? This is rediculous. They are badgering XXXX and taking advantage of us. If I did n't have the {$3600.00}, why would you hike it up over {$1000.00}. I am in talks now with my school, because even my school mentioned that this is absurd. They will be contacting the agency. Whoever added this astronomical fee to my debt will pay severly. Please contact this agency to resolve this. I am willing to pay the {$3600.00}, but they are really on the high end for fees. They are using unfair debt collection practices to bully me into paying for these high fees for their commissions. They are telling me that this balance comes from the school. The school said they did not send over the {$4700.00} to be paid. They sent the balance fo {$3600.00} to be paid. I have attached the screen shot of my XXXX account. I have also attached an email I received from Williams and Fudge.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am disputing the accounts today as they are a result of identity theft, the XXXX  Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3.XXXX XXXX XXXX  {$650.00} 4XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.
Consumer complaint received 2018-10-05
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. ()

I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
Consumer complaint received 2018-06-03
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. (MO)

I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NY)

the amount is for about XXXX.. It is on an account I do not have.. I also have a letter for the company stating it has been resolved, but the keep calling.. Sometimes 7 times a day different numbers from different stated and when I ask for there supervisor they disconnect.
Consumer complaint received 2020-10-21
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: Penn Credit Corporation (NY)

There are 2 fraudulent collection accounts on my credit ( penn credit and  XXXX XXXX XXXX XXXX. These accounts are not mine. They were NOT open by me, utilized, nor paid by me. Please remove them from my credit.
Consumer complaint received 2021-01-25
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (CA)

Please help and thank you, my name is : XXXX XXXX & I am XXXX years old XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX VIN # XXXX MILEAGE XXXX XXXX CASE # XXXX Account # XXXX This is my XXXX new XXXX lease in last 5 years from same dealership at XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX, the car is still under manufacture 3 years or 36,000 miles bumper to bumper warranty. car shut off while driving and will not start on XX/XX/XXXX & as of today 's date is XX/XX/XXXX is sitting at the above dealership where I leased from, to make a long story short, over 3 months I am paying both my lease & full coverage car insurance every month but I don't have a car to drive. the car & warranty is own by XXXX & all maintenance is up to date. but they will not check the car unless I pay 4 hours diagnostic fee, XXXX lease said I need to keep paying my lease or they will send me bad credit & collection agency however they said keep talking to XXXX warranty. I am stuck PLEASE HELP - I can not fight big company like XXXX
Consumer complaint received 2020-10-21
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/2020, XXXX  shows XX/XX/2020 and XXXX  has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX
Consumer complaint received 2020-10-21
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, XXXX shows XX/XX/2020 and Transunion has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I  have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX
Consumer complaint received 2020-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

contacted Ccs collections about a debt that they have that's on my credit report and they said that they do not have any debt with my name or anything so I asked that if that info could be sent to my email and they refused. So debt they say they have for me but couldn't prove it needs to updated with all credit bureaus.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX has a collection on all 3 accounts of XXXX dollars but I dont know where that came from. Im a current XXXX wireless company right now. So I dont see how Im a current customer but have a collection with the company. Please remove from a credit reports or get them to show verifiable information and how they verified