davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (FL)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Account number 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.
Consumer complaint received 2018-06-07
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. (NM)

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Consumer complaint received 2021-09-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Account # : XXXX Open Date : XX/XX/XXXX TransUnion claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by TransUnion on XX/XX/XXXX XXXX ( proof of service attached ). TransUnion had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my request in violation of my rights under FCRA.
Consumer complaint received 2018-02-07
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/XXXX2018 Inquiry date : XX/XX/XXXX2018
Consumer complaint received 2019-03-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (TN)

I have called XXXX XXXX everyday for the whole month of XXXX XXXX now XXXX and they say they have the information and they are fixing but the fail to fix it they are lying I want these loans gone they are nothing but liars and trying to steal money my loans should still be in there grace period and they refuse to fix it
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Professional Datasolutions, Inc. (TN)

Here is the third letter that I have written to Zipline. It explains the situation. I also wrote XXXX and asked for their assisantance in resolving this matter too. 

This is the third letter I have written you and have not received any response. I know you received my letter because you cashed the enclosed check. When you cashed the check on XX/XX/19, I assumed that the matter was resolved. I was surprised to get a call a few days later from XXXX saying I still owed {$80.00}. I told them that I resolved the matter with Zipline and they cashed the check to put my account back on good standing. They said that it was only a partial payment. I asked them to call you but they refused. 

As you may recall, I was a victim of XXXX. I had to temporarily freeze the account until I resolved the issue. I worked with XXXX XXXX and the got all the transactions resolved except one. You can imagine the work involved in reviewing all your transactions and calling the companies to get them resolved. They all understood and waivered any fees associated with the freeze on the account and reprocessed the transactions. 

Zipline was the only outstanding issue I needed to resolve. I was relieved to see that you cashed the check and consented to waiver the fees as per my letter and instructions. When I looked deeper into the check and saw that you altered the check by adding their name to the Payee field. The check was made out to Zipline and you added XXXX. I dont believe this is legal and certainly not ethical. I have tried to resolve this issue in good faith but have been unable to. You have not responded to my letters. 

At this point, I believe we need to go to arbitration. I dont want to do this but based on your lack of response, I dont see any way forward. I am a XXXX XXXX and can not afford any cost arbitration costs. Please inform me of the next steps. 

My account number is XXXX. My reward card number XXXX. Being a victim of XXXX is not fun and I am hoping you will work with me to conclude this matter.
Consumer complaint received 2021-03-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX and A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX both accounts has reported as bad debt on XXXX and XXXX of XXXX. I have seen that these accounts show as bad debt on my credit report and I have Mailed letters to Experian to Verify the Inaccuracies and ownership of this debt and I have not received a response back via Mail from Experian in 30 days.
Consumer complaint received 2021-03-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MA)

Offered DIL as part of bankruptcy. I NEED NEW COVID-19 PROTECTION EXTENSION announced by President Biden to XX/XX/2021. 
Original loan signed by this complanent was XXXX XXXX XXXX backed loan. 
Current lender ( loan sold at least a dozen times WITHOUT notification to this debtor ). 
Current mortgage instrument is on file with the XXXX County Reg of Deeds on paperwork that has the XXXX XXXX XXXX logo on paperwork. If it is not a federally protected loan then the mortgage is misrepresentation, fraudulent paperwork.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2018 COAF did a hard inquiry on my credit report. I have never tried to apply for a loan nor have I ever had any interactions with COAF. This hard inquiry was made without my permission. 

Institution Information Coaf XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-23
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. (MO)

I have disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX and Experian are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, XXXX, and Experian.
Consumer complaint received 2024-02-19
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. (AK)

XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

Last XX/XX/XXXX I send money using Western Union to my receiver which is in XXXX. It said that my receiver will receive my money on XX/XX/XXXX but it is now XX/XX/XXXX and when I tried to track my money, the service is unavailable.
Consumer complaint received 2020-08-19
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. (OH)

There are errors on my credit report pertaining to the following Personal Information. 

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE ADDRESSES:251 XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : 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 2015-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Amati & Associates LLC (DC)

A scam " locator '' named " XXXX XXXX '' said he was going to come to my job and/or home to serve me papers regarding some case that I do not know about. He had a case number of " XXXX ''. He gave a return number of XXXX, which is for a company that does not exist.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (AZ)

I opened an account with TCF bank, I enrolled with 2 deposits. The only correspondence I received from them was an email stating my new debit card was on the way.

Today I went in to make another deposit, and they told me my account was frozen. Apparently I need an in-state ID to open an account, something I wasn't told when I initially opened my account and they took my deposits and information.

Because I'm visiting family, I don't have utility bills in my name, even though the check I wanted to deposit ( and the check I deposited earlier ) have my EXACT name and address. I guess that doesn't count.

I was treated extremely rudely by the teller at this bank, and also told I won't be able to withdraw my funds for almost 2 weeks, even though the bank decided to close my account!

There are no other flags with my name, or previous fraud or problems that would account for this behavior.

This has been a complete waste of my time and it seems unethical and illegal to keep my funds when TCF made the decision to close my account. Why was I allowed to open an account when these are your practices and you didn't disclose them from the beginning?
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (TN)

I mailed in a dispute letter to all 3 credit bureaus for Department of EdXXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!
Consumer complaint received 2018-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of navient verifying the account all they did was add late payments and ruin my score more!
Consumer complaint received 2016-02-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services is reporting a debt on my credit report for {$740.00}, I was not given notice of a debt collection until I recently pulled my credit report. 
They have also reported a different debt that I have been disputing for a long time with no resolution.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Incorrect payment history is on this report. Please have the creditor XXXX delete report from credit history. 

Incorrect payment history shows a current payment in XXXX yet Closed account in XXXX. Ive filed this dispute and they have refused to delete inaccurate information.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Consumer complaint received 2019-11-01
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. (NV)

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (IL)

I received a collection letter from XXXX XXXX XXXX on behalf of the Bureaus Investment Group Portfolio No 15 LLC. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from XXXX XXXX for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the XXXX number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: States Recovery Systems, Inc. (CA)

XXXX XXXX XXXX XXXX resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected. 


XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by Credit Union who sent me elsewhere while I had a open dispute.
Consumer complaint received 2019-11-01
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. (NV)

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution.

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Consumer complaint received 2019-11-01
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. (NV)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

XXXX XXXX XXXX