davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (FL)

The inquiries listed below were not authorized by me. I have attached FTC report for these inquiries that are on my credit file fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (OH)

I've just received a copy of my consumer report and noticed some unauthorized inquiries. i did not give these companies permission to pull my credit file Please remove these inquiries unless they are attached to an account. 
US SM BUS. ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-28
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. (CO)

Transunion is reporting incorrectly a collection in the amount of {$8500.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have never attended this school. This account does not belong to me and is being reported in error. The school has been permanently closed as well. Please also see page attached from the schools website. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Secured Resolutions, LLC (NY)

This agency put a collection account on my credit report without notifying me. They never called to resolve the debt first, simply parked the account which has recently been a sore subject with the CFPB. I then disputed the debt with the agency and requested validation of debt as my insurance company should have taken care of the bill. They never updated my credit that I had disputed the matter pursuant to FCRA requirements. They did send me a packet of papers that did not validate the debt and was full of incorrect information. When I called back the associate I spoke with told me I had already disputed this and didnt call back in soon enough and offered to resolve my dispute by talking 10 % off the balance. Per FDCPA law, collection attempts can not be made while I actively dispute the debt. These people are impossible to work with and violating numerous laws.
Consumer complaint received 2021-02-27
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. (NY)

Hello, on XX/XX/XXXX i sent letters to XXXX, XXXX and transunion requesting unknown and unauthorized inquiries to be removed from my credit reports. XX/XX/XXXX transunion responded with a letter refusing to remove the inquires. experian and XXXX have not responded at all. 

The inquires that are fraud, unauthorized and need to be removed are : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX CARD Inquiry date : XX/XX/XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account XXXX Credit Card and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

XXXX XXXX XXXX XXXX XXXX has been attempting to collect a debt that is not lawfully mine and has no standing. Upon my request for debt validation and documentary evidence, as required by federal law, the debt collector failed to provide said federally required evidence. Thus, this debt is null and void. On top of the fact that they have been taking part in abusive and unfair debt collection practices, that have caused me an immense amount of XXXX  The company is currently within a 30 day window to remit payment for the violations of law and my rights that they have committed, before litigation is pursued. They have an opportunity do the honorable- and lawful- thing so that we do not have to spend more energy on this in court.
Consumer complaint received 2018-02-20
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. (CA)

I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and Equifax both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX  has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

XX/XX/2021 I received an email ( to and old email account ) from XXXX XXXX XXXX saying I owed {$1100.00} for a new XXXX. Someone used my name and old email address and had XXXX XXXX XXXX  ship a new XXXX to a town XXXX miles from where I live. ( I have been a XXXX customer for 15 years and have never used XXXX XXXX XXXX. ) I tried multiple times to contact XXXX XXXX XXXX but could not because I've never had an account number with them. They sent this to a collection agency XXXX XXXX XXXX XXXX ) and after multiple contacts with them in XXXX and XX/XX/2021. I thought this matter was closed. 

XXXX XXXX, 2021 I receive an email saying that SUNRISE CREDIT SERVICES, INC. ( a SECOND collection agency ) had contacted XXXX regarding this same debt. So I called Sunrise and had to answer a number of questions and was told they would send me something in the mail. 

I am tired of spinning my wheels on this matter and sick of being harassed because someone committed fraud against XXXX XXXX XXXX using my name and email address. I can't seem to stop this ... can you please help me??
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I contacted IC Systems Inc. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX MN XXXX. Regarding a negative collection account for medical Bill 's that was reported to my credit report. This account was paid in full by my Insurance provider, and the amount owed was XXXX out. I was told by IC Systems that they could not remove the negative collection account from my credit report since the balance was recalled by the original creditor. I demanded that they remove this negative information from my credit report and they refused to do so. I attempted to dispute the information on my credit report but was unsuccessful. I have a letter stating that the debt will be returned to the original creditor but they will not remove it from my credit report.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

A computer glitch that was TransUnion 's problem caused all of my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I made several calls to transunion with my latest round of calls on XXXX XXXX, 2017. I spoke to several agents, one who even refused to provide me his name, and tried to explain that these inquiries add a hardship and that my rights were violated by TransUnion. Please help me make TransUnion stop victimizing me.
Consumer complaint received 2023-04-06
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. (WA)

The credit reporting agency did their investigation on this account and stated that the account came back verified. However, I don't believe that this is true and I demand that they provide me with their method of verification. 

As a consumer, I own the right to request all the steps that your agency took to insure these items were properly verified and 100 % accurate under U.S.C. 1681 ( 7 ) Method of verification. Description of reinvestigation procedure.
Consumer complaint received 2018-02-20
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. 

Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX XXXX
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

On XX/XX/2018, Coinbase withdrew {$2300.00} from my account without prior authorization and no services/goods rendered. They stole my money directly from my account, resulting in withdrawal and overdraft fees. Called Coinbase, was on hold for 2 hours before I hung up. Emailed them, have not received a response.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I HAVE SENT LETTERS AND CALLED TRANSUNION, XXXX AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion, XXXX  and XXXX  has reported my account by XXXX as 30 days late for XXXX of 2020. The payment was made in XXXX so my account is not late. Included with this report is proof that the XXXX payment was made.
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I have recently opened my monthly statement to see that there is deferred principal in the amount of {$7800.00}. I have always paid my monthly payment even during the pandemic. 

There is absolutely no reason why I should have deferred principal. This company continues to plays games with my mortgage and my monthly payments. This is a negative amortization mortgage, which is illegal in some states, and the company is literally stealing from me. 

Now they come up with this nonsense! I have made several complains in the past and the CFPB has done nothing!
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

For my XX/XX/2021 payment ( which was due on XX/XX/2021. I mistakenly made payment to XXXX for the amount owed on my XXXX card, This resulted in an underpayment of {$4.00} to XXXX and an over payment to XXXX. The payment to XXXX was on time. They received the on XXXX/XXXX/201 but as mentioned it was {$4.00} short of the amount owed. For this error of {$4.00} XXXX saw fit to charge me a {$29.00} late fee.even though the payment was not late. I contacted XXXX and they refused to remove the fee, even though the payment, though {$4.00} short, was not late.
Consumer complaint received 2024-02-27
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. (TX)

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 Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Capital One XXXX XXXX card payment was due on XX/XX/XXXX. I paid the amount due on XX/XX/XXXX via a bank transfer. My bank, XXXX  XXXX XXXX, says I paid on XX/XX/XXXX. I have the documentation. Capital One says that XXXX sent them a check and it arrived late. Capital One is charging me a {$29.00} late fee as well as interest. I have always had a perfect credit score, but since this incident I no longer do. XXXX  XXXX XXXX agrees with me that this amount was paid on time. I am attaching a screenshot of an email that was sent to my husband XXXX XXXX who made the inquiry to XXXX. 

A similar incident happened in XXXX and the late fee was taken away. Capital One is claiming XXXX is getting them the funds late, but I was never told there was a problem with this. XXXX denies they are paying late.
Consumer complaint received 2020-12-12
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. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-02-27
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. (OH)

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 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Unauthorized XXXX payments were taken out of my Wells Fargo account on XXXX XXXX, 2021. Both transactions were in the amount of {$900.00} each. I submitted a claim with Wells Fargo on XX/XX/XXXX. During that phone conversation, a specialist closed my account and opened a new bank account. After XXXX business days, we called Wells Fargo for a status update and the specialist informed us the claim was mistakenly filed under someone else 's name ( no relation to me or the other account holder ). I had to file another claim on XX/XX/XXXX21 and was informed it would take another XXXX business days for resolution. This is after several phone conversations with several fraud specialists at Wells Fargo resulting in hours of on-hold time and hours of conversations with several difference fraud specialists. We were just informed today that WF has denied the claim. 
XXXX is the bank 's money app that I never use. I did not authorize those transactions.