davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have 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. 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 2015-08-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX?
Consumer complaint received 2017-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (OH)

I wrecked my car the weekend of XXXX XXXX and on my way back to XXXX, I ended up rear ending another car. My insurance company totaled it the next week and my insurance company sent XXXX XXXX a check for the difference of the loan and what they insurance would payout which I was told was {$7700.00} ( not XXXX on the exact total ), but I go into to check my remainder balance which should be around $ XXXX I see it is still over $ XXXX.
Consumer complaint received 2024-02-17
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. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX. I hereby request that XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (CA)

I submitted a dispute to the CRA Equifax and XXXX on XX/XX/2023, I received no response from the CRA only XXXX removed my accounts. I had to call in order to get my report sent to me and yet and still the negative accounts still remain on my credit. 

This complaint details how Equifax XXXX XXXX are violating the law. 
The evidence will prove that Equifax solutions incorporated knowingly willfully violated the federal credit reporting act 605C. The evidence will show that Equifax XXXX XXXX conspired with the companies listed on my credit report to violate my consumers rights.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (OH)

This is a bill from a electric company I owe apparently but was not billed until years and years later when I have a current address up to date. I always paid my bill. I was a young single mom and going through a energy program at the time and had duke. Not sure how I owe all this money all the sudden. I have tried to dispute. Ive never received a bill let alone a itemized bill. Have had the same address and its public record for 6 years now. This is bull city financial who has this debt now.
Consumer complaint received 2015-04-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: South Carolina Student Loan Corp (VA)

This is a written dispute regarding a previous credit card account that reported me 30-days past due for one month 's charges. My recent credit bureau score report labeled 'Account 30 days past due ' that I am requesting to be reviewed and expunged. 
XXXX XXXX & XXXX : 30 days past due in XXXX 2013. This account was a part of my college loan package. Quarterly payments were made. There was miscommunication as to a late fee accrued of {$6.00}. I had spoken to them at that time regarding this late fee and avoiding being reported to the credit bureau. Large amounts of loan payments had been consistently made, I was not aware of the {$6.00} fee that was apparently accrued. The billing services did supposedly remove this fee at time of the quarterly payment, which was paid in full represented by the statement at that time. They did not subsequently remove the late notice and the time continued to accumulate, even though the quarterly statement was paid. They of course retained the idea they were not responsible for this error and unwilling to entertain any modification. The account was paid off and closed very soon thereafter. This is a perfect example of why millions of college students progress into more debt, dealing with loan companies with irresponsible behavior and now involving wasted work time and money of submitting a complaint. I did speak to this company directly, as well as submitting a complaint through the credit score bureau, neither of which providing benefit.
Consumer complaint received 2022-10-06
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. (PA)

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX daughter and things have been really tough for me and my girls and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit.
Consumer complaint received 2021-06-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Ive been trying to get a hold of my freedom mortgage to correct the issues with my refinance. The last time I called the direct number I was hung up on by my loan officer. 

My loan still has not closed although it has been over 3 weeks. I have attempted to close the loan on two other occasions and freedom mortgage made mistakes on the paperwork. My refinance loan has been in process since XXXX. I have my XXXX payment due and I need to close between XXXX and XXXX on XXXX XXXX due to a number of extenuating circumstances. I will not be available to close past the XXXX as I am in the military and have orders to move to South Carolina. I have made it abundantly clear the last 4+ times I have called freedom mortgage to receive an update. Every update over the phone I have received from freedom mortgage assured me that the issue would be resolved in the next XXXX hours and I would receive a call from the company to schedule. I have never once recieved a call back or follow up via email in the last three weeks. Nothing has been resolved.
Consumer complaint received 2022-08-10
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account 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 account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

REMOVE ALL XXXX  LOANS XX/XX/2017 - Formerly part of XXXX XXXX , XXXX, XXXX  is the largest student loan servicer ... Today 's lawsuit alleges that XXXX has been in violation of the ... 
CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/20 I paid {$17.00} for a forehead thermometer never received, never shipped despite phone tracking # given to me & several other ebay buyers. Paypal refused to process refund, so I cancelled claim to enable me to file ebay buyer protection claim. 
Paypal violated policy by refusing to release claim to ebay in a fraudulent attempt to deny me right to file that claim which ebay had processed successfully for those other buyers.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA TransUnion is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN  XXXX ; XXXX XXXX XXXX XXXX, TN XXXXXXXX ; XXXX XXXX XXXX XXXX, GA  XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; If TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.
Consumer complaint received 2023-03-31
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. (NC)

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, 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 2016-05-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$64000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$60000.00}. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NY)

As you can see i have complained about this company 8 times this will be the ninth. Let 's go back to complaints 1 through 7. As you can see they had verified proof that I lived at XXXX XXXX XXXX XXXX XXXX. Guess what the street the address does n't even exist. It was till I did my own research on google maps that I found the street or the address did not exist. Again now after complaints 7 and 8 they are saying I lived at XXXX XXXX XXXX XXXX as verified proof again this is completely FALSE and misleading information!!! Again let me STRESS I want to be crystal clear. lexis nexis stated on 5 different occasions I lived at an address that does n't even exist!!!! Now they are claiming again as verified proof I lived at XXXX XXXX XXXX XXXX. Let me tell you for the 9th time this is FALSE AND MISLEADING information. Again I want to point ot 5 times they said i lived at an address that does not exist. So again I did some homework and guess what the home at the time belonged to a XXXX XXXX and XXXX XXXX.. Not XXXX XXXX . please have this corrected ASAP. They are providing FALSE AND MISLEADING INFORMATION. They did not investigate this just like they did not investigate the 1st 6 complaints
Consumer complaint received 2016-10-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

When trying to make a payment online via website of Freedom Mortgage there is an " error on payment. '' Valid payment information was entered and was entered before the due date. I believe Freedom Mortgage does this intentionally to take advantage of consumers and extract additional late fees from them.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Hello, I am a XXXX XXXX XXXX women with a permanent XXXX. I opened a checking account with Union Bank in XXXX XXXX, XXXX. in XX/XX/XXXX. I had my XXXX direct deposit going to this checking account, & I never had any problem until In XX/XX/XXXX, my balance was around {$31000.00}. I wrote some checks for total of {$26000.00}, ( which include XXXX check for {$14000.00} to my XXXX XXXX ). If Union Bank paid all my checks, my remaining balance would be {$5700.00} plus my direct deposit of {$1700.00} which gets deposited on XXXX of each month. That would make my balance {$7400.00}. On XX/XX/XXXX, Union Bank paid XXXX total of {$7000.00} and on XX/XX/XXXX paid again to XXXX {$10000.00} which I have no idea who this is or I don't know how they got my information or my account number. When I was checking my account balance to see if my direct deposit was in my account, I noticed there was a negative balance of {$13000.00}. I was shocked and panicked, and quickly rushed to the bank to resolve the issue. The Union Bank Manager stated that I authorized XXXX to approve the charges, but when I explained the situation to the teller of the bank as well as the manager, they both said I do not believe you and was very rude. The manager said too bad and that we already pay them, and that I owe them {$11000.00} since the bank took my direct deposit of that month, otherwise it would be {$13000.00}, because of that {$14000.00} check to my insurance, bank made my account negative & closed my account and send me to collection. 

Please help me retrieve my money back from the bank, since the bank paid over {$17000.00} to XXXX without even verifying with me. They didnt check to see history of my checking account that I have never paid anything to XXXX in the past. They did not even bother to call me to verify the transaction. In reality, I feel like they assisted XXXX to rob me because they did not do their due diligence. I trusted the bank since I have been a long time customer with them with no issues. 
They dont understand that was my life saving and working very hard to save this. And I cant live my life like this with bad credit and no money after all my life working hard. Please see attached statements and help me to recover this. 
Thank you
Consumer complaint received 2022-08-10
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX How is Trans Union reporting the account type as Open, while XXXX and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX not supply that information to you? 
Trans Union and XXXX are reporting the date last active as XX/XX/2022 and XXXX is reporting it as XX/XX/2022. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.