davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
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. (GA)

I noticed on my account that there are incorrect address and name information. My name is XXXX XXXX XXXX and XXXX and Transunion have incorrect names for me : XXXX XXXX and XXXX XXXX ( Transunion ) XXXX XXXX and XXXX XXXX ( XXXX ) XXXX XXXX XXXX does not belong to me ans I have asked them to send proof of this account and I have not receive it ( XXXX and XXXX is reporting incorrect information on my credit. 

I have no idea what the following account are or who these accounts belong to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2023-03-30
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. (LA)

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 : Liability Court US BANKRUPTCY COURT XXXXXXXX XXXX Date Filed XX/XX/2020 Reference 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 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 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. 
tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (NC)

I opened a complaint with CFPB about XXXX previously and I am now opening another because my legal rights have been violated. I will be opening a case with the FTC and my attorney. 

After your property is sold, a creditor must tell you these things in a written notice. 
Your debt before the sale. NO How much your property was sold for. NO Your debt after the sale. NO Any expenses of repossession and sale. NO Any credits or rebates owed to you. NO The amount you still owe ( deficiency ) or the amount of extra money you get ( surplus ). NO XXXX DID NOT follow proper notification procedures. I did not receive ANY of the notices they have attached until I filed the complaint with the CFPB. The letter of Deficiency is dated XX/XX/19 2 YEARS AFTER THE SALE OF THE VEHICLE!!! I demand verifiable proof these notification were received by me ( ie. certified mail receipt, signature, delivery confirmation. ) The letter of Intent to sell was sent to one address which was NOT the address the vehicle was recovered from. Flagship sold the vehicle at a " private sale '' with no exact date just a statement the letter that says " sometime after '' which I never received that letter until today XX/XX/19 when they attached it to the complaint. I had reached out several times asking for a letter of Deficiency and was told the information wasn't available. I almost lost my job because I could not get a letter from XXXX. So I am saying there is wrongdoing on XXXX 's part. I am not disputing the vehicle being repossessed but I am saying XXXX failed to properly notify me after the repossession took place.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

Dear sir/mam, I newly created account in Wise.com with my private and business both IDs. I have transferred XXXX XXXX  and XXXX on XXXX XXXX from my private account which is not given to me yet. 
Also, I have paid XXXX XXXX, XXXX XXXX and XXXX XXXX  paid on XXXX XXXX which is not given to me yet. 
I have sent them all evidences through emails and their XXXX chat. My bank has confirmed me that they have paid all full amount to the beneficiary. 
Wise.com customer care staff is completely silent. 0 reply since last week. 
I have to pay for my business registration and I am stuck now. 
Kindly check out the issue
Consumer complaint received 2022-07-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Celsius US Holding LLC ()

hello I borrowed money by offering XXXX as collateral to Celsius. 
They are providing a loan service, and even if they repay the borrowed money, they do not return the collateral. 
Why do I have to repay the borrowed money and why do I have to pay interest monthly if the collateral can not be recovered? 
It's too unfair. 

Celsius Network LLC Celsius Network LLC XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX XXXX XXXX : XXXX XXXX Celsius Lending LLC- XXXX ID- XXXX XXXXXXXX XXXX XXXX XXXX XXXX Celsius Network LLC Celsius Network LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX LLC- XXXX ID- XXXX XXXX  Consumer Access
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I HAVE DISPUTED WITH XXXX AND TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, XXXX AND TRANSUNION STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2021-04-07
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. (NC)

My credit score dropped by over 100 points from XX/XX/XXXX to XX/XX/XXXX. 
I have reviewed my credit report and all 3 scores from the main credit bureau. There are 2 accounts in question - my student loan account and my XXXX XXXX credit card. 

I was severed from my job in XX/XX/XXXX. My unemployment benefits ran out in XX/XX/XXXX and at the same time, my APR for that wells fargo credit card increased from 0 % to 19.5 %. I was making payments, on time, but because of the increased credit rate, it put me over the credit limit and the payments I was making were still considered " late '' because I couldn't pay the entire amount. 

If you review both the student loan and credit card history, I have made timely payments for 3+ years. While I had an unfortunate circumstance due to the job loss and lack of income, that should not have affected my credit score by over 100 points in 30 days. The accounts previously mentioned are both current and have been since XXXX and XXXX and are in good standing. In reaching out to all 3 credit bureaus, I can not get an answer on WHY my credit score dropped so significantly in such a short amount of time. Also, due to Covid/Job loss, I would expect some grace would be given in this cirucmstance.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have sent several letters to inquire a refund for the illegal insurance charged to my escrow account. Rush more Loan Management Services, LLC charged my escrow account for insurance in the amount of my loan which is illegal. Insurance should be placed for replacement costs value. My Condo has had insurance all the time ( See Attachments ). This insurance is specific for the building and my unit number. It covers bare walls. Rushmore is inquiring  about the insurance on the contents of my condo which is in a replacement cost value about {$7000.00}. They charged me 9 months of insurance on XX/XX/2018 for prior months. They haven't been specific about the coverage they were asking for. In their letters, no unit number was entered. My condo has had insurance which I paid and still pay so a refund needs to be applied. It is illegal to charge for insurance in the loan amount and get worse when the condo has been insured and the coverage they were asking for was very specific and not a lot in value
Consumer complaint received 2024-02-08
Product: Credit reporting 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. (IL)

Please remove fraudulent inquiries from my credit report ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo calls me from different spoof numbers and from their main number. They call back to back repeatedly throughout the day. They first started to call back in XX/XX/2018. I have screenshots of the harrasing phone calls. They harass me, won't speak when I answer, hangs up on me and won't stop calling my phone. It has gotten to a point where I had to block their number but it will still show me when they would call. They call from their spoof number XXXX & also from XXXX. They have called me so many times that I would literally be writing for hours.
Consumer complaint received 2024-02-08
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. (PA)

I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Consumer complaint received 2021-06-22
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX & Potfolio Recovery ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.
Consumer complaint received 2022-01-18
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: OneMain Finance Corporation (KY)

This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with onemain? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've submitted this complaint several times already about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I received a targeted XXXX XXXX XX/XX/XXXX in which the bank froze my account until I bring in proof that I was approved to get these funds. I also received an XXXX loan a XX/XX/XXXX in which the bank did not freeze my account. They are requesting me to go in the branch with documentation that I was indeed approved by the agency to get the XXXX portion in order for my account to be unfrozen. The bank advised me they have the right to scrutinize funded sources and money deposited into my account no matter what law it comes from. I'm a small business owner with less than XXXX employees and I do not issue 1099- for i'm not an XXXX nor do I operate as one. The bank states any economic XXXX grants or loans from SBA have to be deposited into a business account.
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Kia Motors finance has reported 30 day on this car lease account which was due to COVID19 and Kia motors offered deferment/ forgiveness of payments and late fees due to disaster conditions. Stated they would not be damaging my credit for offered differed payments HOWEVER, THEY DID REPORT 30  DAY FOR XX/XX/2020 AND XX/XX/2020 ....
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX XXXX BANK XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b )  .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I HAVE DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.