davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-01-09
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. (NJ)

I have a loan with XXXX XXXX The current status should not be showing late because I paid it on time XXXX and TransUnion Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Consumer complaint received 2021-10-13
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: HUNTINGTON NATIONAL BANK, THE (IL)

I have inquiries on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Consumer complaint received 2021-10-13
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: NAVY FEDERAL CREDIT UNION (IL)

I have inquiries on my report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navy Fcu XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Consumer complaint received 2020-02-18
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: EQUIFAX, INC. (NJ)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-11-17
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

In XX/XX/XXXX, I was seen for XXXX XXXX XXXX  at XXXX XXXX. There were several bills related to this service, and for some reason XXXX XXXX XXXX XXXX XXXX ( my medical insurer at the time ) did not pay for one approximately $ XXXX. I was not notified by the XXXXl that the insurance did not pay for this bill until over a year later. I contacted XXXX to try and resolve/dispute the claim not being paid. Myself and the Medical Insurance advocate company XXXX contacted XXXX XXXX to let them know we were in the process of appealing/working with the insurance company. During this time XXXX processed a deduction for a " true cash pay '' to lower the amount to {$4800.00}. Instead of holding off while I worked with XXXX XXXX XXXXXXXX instead in less than 15 days after this contact sent the claim to AMSHER in AL, a collections company. This was in XX/XX/XXXX. 

I never received written correspondence of this until it showed up on my credit report as a collections account in late XXXX XXXX. 

My wife 's boss was able to work through their HR Department/Company and XXXX reprocessed the claim paying it in full for the $ XXXX. 

XX/XX/XXXX I received the EOB from XXXX XXXX XXXX  showing it was paid in full. I contacted XXXX XXXX and verified the account was paid. 

I then contacted XXXX and disputed the XXXX XXXX XXXX as the account had been paid and needed to be removed as it was paid by insurance and should not have been on my account. The bureaus validated the claim with AMSHER who still showed it as outstanding in the amount of the $ XXXX. 

I contacted AMSHER XX/XX/XXXX and was told they would refuse to remove without providing proof of being paid. I requested we contact XXXX XXXX and so we could provide that and was told " no, you need to get paperwork to prove it was paid. '' I asked for them to email the information so that I COULD provide it to them and was told " No, I won't email you. You can write down the email to send the documentation to, and that it could take up to 75 days before they process anything they receive from XXXX XXXX. '' I believe AMSHER is A ) not properly notifying people of a claim against them in a timely manner before opening a 'line of credit ' regarding the outstanding collections. B ) Not processing/updating their information in a timely manner. C ) Not verifying if/when accounts they have opened with a creditor have been paid in timely manners D ) Showing accounts that should have been closed-paid Medical Debt, as still open/owed collections on peoples credit reports negatively impacting them.
Consumer complaint received 2022-01-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

PenFed has reported my payment history as 30 days late during the months of XXXX & XX/XX/2021. During those months I had approved skip payments on my account. The confirmation numbers are XXXX and XXXX. In XXXX of 2021 PenFed attempted unauthorized recurring payments from my bank account which looks to have caused a series of rejected payments. Reporting the XX/XX/2021 payment as 30 days late is inaccurate as well. is reporting inaccurate payment history on my credit report. This is all a violation of the FCRA.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am the victem of identity theft and i am requesting you block the below information. and remove the accounts from my credit profile enforcing section 605 b of the FCRA. 

XXXX XXXX XXXX : Account number Balance : XXXX date opened : XX/XX/XXXX Chrysler CAP Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : Balance : XXXX date opened : XXXX XXXX XXXX  Account number : XXXX Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Balance : XXXX opened XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX  number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX
Consumer complaint received 2022-11-17
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. (LA)

I've identified accounts on my report that are a result of identity theft. These items are not related to any transactions completed that I've made. XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-02-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-12
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. (CA)

Sent dispute letters to Transunion via Certified mail on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to investigate accounts on the credit report. Transunion failed to meet the 30 day response time, nor did they provide any response as a result of that request. Followed up with a final certified letter on XX/XX/XXXX, but have yet to receive a response, or indication that they have removed the disputed items stemming from the XX/XX/XXXX investigation.
Consumer complaint received 2022-01-08
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)

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This is fraud I never set this account up. Once I reached out to the company they were texting with a settlement offer which isn't the right way to get any information. I have never done business with this company and now they are reporting very inaccurate information. With no clear method of verification. No signature loan documents or anything.
Consumer complaint received 2020-12-11
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Company has been unwilling to provide electronic and mailed statements since statement date XX/XX/20. We have asked for this information on 4 occasions : Once by email ( their online form ) - No response. Three times by phone. Our first phone attempt, the  representative said that " You know what to pay - You don't need a statement ''. They have admitted that the statements are not available for us.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (MD)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-14
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. (DC)

The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX  or XXXX XXXX. 
The Bankruptcy Court has stated that they do not furnish information to third party agencies. 
I Am requesting to see what was used as proof to verify the alleged bankruptcy and if Transunion is unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information.. 
Transunion initially stated that XXXX was the furnisher of the information.Now that XXXX has stated that they have no public record on file, Transunion now alleges they got the information from XXXX XXXX is an online system that only lists the last four of any social on their siteI am now requesting the following : * Persons name that verified the dispute *Time of Communication * Documentation used to verify the dispute. 
- Pursuant to 15 usc 1681a- ( e ) e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

.

15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Thats 3 violations If 100 % proof and documentation from XXXX, The Bankruptcy Court, or XXXX Neighbor, Freinds, associate is not provided, Bankruptcy must be Delete Immediately
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO. (GA)

I have gone round and round with them since XX/XX/2023. I have sent them everything they have asked for and they now say they dont have enough information and info is missing so they denied and cancelled my loan assumption. Per my divorce decree I have to get this done and they have made my XXXX XXXX XXXX XXXXXXXX. As a single mom I cant afford to refinance this home and live here. I will have to move my kids out of the schools and move homes when they are already struggling and this company is forcing me to do so because they are missing information. What information is missing and why cant I have a representative from the bank talk to me. Why will they only communication by fax and mail. I find that disheartening. This loan assumption has been so awful and I know why they are making it hard because they dont want to do it.
Consumer complaint received 2021-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I received a text from Wells Fargo on XX/XX/XXXX telling me to contact them. Curious I looked into my account to find my last 2 mortgage payments were not automatically paid from my account. 

I called WF and found that the automatic payments were cancelled on XX/XX/XXXX. XXXX*I did NOT cancel my automatic payments***. There system just says " customer cancelled ''. Again, I did NOT cancel the automatic payments. Full stop. 

On the call with WF I was also informed that they had been trying to contact me via phone at a number that was not mine. While they had my mobile number, no attempt was made to contact me at that number until XX/XX/XXXX. 

I also immediately paid both the late payments. 

WF has not provided any additional information on how the automatic payments were cancelled. Since I did not initiate the cancellation, I consider this identity theft or system error. Interestingly, while my account shows a consistent pattern of *automatic* payments on the first of every month I randomly got an email from WF on XX/XX/XXXX saying I just made a payment. My record does not show any payment on XX/XX/XXXX because payments are made on the first of the month. I believe this bolsters my case that WF had some sort of systems issue that reset my automatic payment. For this reason I am choosing to publicize my case details because if it happened to me, it probably happened to someone else.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in XXXX but after more than XXXX minutes of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. 

my email is XXXX XXXX