davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX XXXX Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. This account is INVALIDATED for it is no longer reported in TransUnion and XXXX. The way it is reported is INACCURATE and a CLEAR violation of my FCRA rights. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 8. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 9. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (AR)

I'm filing this complaint because of certain false accounts I discovered on my credit report. XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (GA)

I received a letter in the mail on XXXX from a Law Firm company named XXXX XXXX XXXX XXXX, XXXX Attorneys at Law. The letter was titled " Dear XXXX XXXX RE : Wells Fargo Bank XXXX XXXX XXXX XXXX courthouse records indicate that the above referenced creditor has filed a LAWSUIT against you for the collection of a debt. It also stated that the creditors are attempting to " GARNISH MY WAGES '', OR " PUT A LIEN ON MY BANK ACCOUNTS OR other PROPERTY! I almost had a XXXX XXXX from hyper ventilating while reading this as I was sitting in my truck. 

Monday morning XXXX, I IMMEDIATELY called the number on the letter to find out what could this possibly be about. Of course, they said I would have to call Wells Fargo and so I did. I called several numbers not getting any answers, so I called the Legal department hoping to get some answers. Not even they could tell me anything. I looked up the corporate location in the XXXX 's and got a phone number to call, but it led nowhere. I then thought to call the Ga XXXX XXXX XXXX XXXX and that is where I found the information from XXXX XXXX XXXX. He informed me of what was going on with the fraudulent activities that Wells Fargo had done and how they did it. My Line of Credit was compromised by XXXX of Wells Fargo 's own employees to get their own satisfaction at someone else 's expense. I have been very upset since I received this letter missing sleep, not being able to eat and have had no response from Wells Fargo. I want this settled and punitive damages will be requested by me for all that they have put me through.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Sir/Madam, I am writing to inform you that you have violated provisions of the Fair Credit Reporting Act ( FCRA ) in your reporting of inaccurate eviction information on my consumer file after I disputed this information. 

Specifically, you failed to delete inaccurate past due amounts related to a 2018 eviction on my report as required by FCRA Section 611 ( a ) ( 5 ) ( A ). This section states that if a reinvestigation of disputed information finds the information to be inaccurate or unverifiable, you must " promptly delete that item from the file of the consumer '' By simply modifying the incorrect past due amounts and not removing the eviction information on my report, you violated the FCRAs requirements. Furnishers of information have a duty under Section 623 ( a ) ( 1 ) ( A ) to provide accurate consumer data. And none of the FCRAs exceptions allowing modified but undeleted information apply here, since the core issue is that the past due amounts themselves were inaccurate. 

I previously disputed this eviction record information based on these inaccuracies. Now I am demanding that you immediately delete this eviction information altogether to comply with FCRA Section 611s obligations for consumer reporting agencies. If you fail to do so, I will be forced to exercise my rights under Sections 616 and 617 of the Fair Credit Reporting Act to pursue legal damages against you for non-compliance with the statute.
Consumer complaint received 2022-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Since 2016 I have had great credit, and made on time full payments, yet this company owned by Truist Financial Company has denied any wrongdoing. I opened a checking account online, never received my routing/account number & was denied for a loan with outstanding payment history because of XXXX, XXXX & XXXX who illegally modified my credit scores to make it look like I had less than reputable history. 

Truist Financial Corporation aka LightStream was offering {$200.00} with {$500.00} in direct deposit bonuses - I have no access to my login information online, but have images of the account being registered successfully. I was denied a loan under false pretenses and given a Know Your Customer code and told to " visit a branch '' -- - no other bank forces you to come in to make a deposit, I was never mailed a debit card either!
Consumer complaint received 2021-04-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

It turns out wells fargo provided personal information about the account holder to a XXXX  XXXX. I had to make a police report cause he has a hold on my sister 's information and is now having us to go to probate court. Really a XXXX  pretending to be her husband?! After I sent forms to wells fargo how my sister 's death certificate was falsified and the funeral home is being investigated by texas funeral commission. What a shady bank!
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc. (SC)

I have had several conversations with all parties involved since XXXX and there is still no active response to correct the issue. all parties are in complete understanding that there was a coverage issue, due to a misapplied insurance reporting. The insurance has agreed to reprocess said claims from XX/XX/XXXX. I have received documentation from the insurance confirming coverage for said date : XX/XX/XXXX. There should no no balance owed as it was covered 100 % under XXXX XXXX. The issue came when it was improperly reported that i had XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, but rather I had changed XXXX/XXXX locations and providers from XXXX Maine, to XXXX, Maine. And, I didn't XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, but rather she was born in XXXX, XXXX I have spoken with all parties involved, XXXX agreed the charges were covered 100 % by insurance, but the medical provider nor the collections company have resent the original EOB to XXXX  for proper processing. But, rather they are continuing to damage my credit and seek payment for charges that are covered 100 % by insurance because they rendered false information to the insurance provider regarding my status.
Consumer complaint received 2018-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (GA)

This past XX/XX/2018 I refinance my home with Loan Depot with a VA guaranty loan. Loan Depot didn't wire the full amount of the payoff to the original mortgage holder. The wired {$130000.00} instead of the amount stated in the payoff statement from XXXX XXXX XXXX of {$130000.00}. Account Number XXXX XXXX XXXX XXXX are calling me to pay the {$610.00} because they added a late fee of {$56.00} they claim the payment is short and Loan Depot is saying that they already made the payment and that is on me to contact XXXX XXXX XXXX to credit my account. I have been talking to both entities since XX/XX/XXXX and neither one is willing to fix the issue. 

Now I have two outstanding mortgages {$130000.00} XXXX XXXX XXXX which is showing two months late since they haven't credited the account and the new loan for {$190000.00} to Loan Depot.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting my current auto loan from XXXX as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit report.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (PA)

Marcus by Goldman Sachs froze my account in XXXX, and after I spend hours on the phone while they verified my other accounts and identity, they then closed my account on the XXXX of XXXX. I was told during that phone call that they would be sending all of my money back to me. Almost a month later, I have received not a XXXX. I owe them absolutely nothing. I would like my money returned.
Consumer complaint received 2021-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

In XXXX I paid XXXX  XXXX for money due at the end of my lease and fees associated with cleaning up trash and boxes left in the apartment upon my departure. However, I took out the amount of {$350.00} which was incorrectly applied to my account for maintenance not addressed by the property manager. I provided documentation to XXXX XXXX and XXXX directly that this was captured on my move-in checklist and that follow up maintenance requests were submitted regarding the refrigerator needing repair and carpet damage ( which is what they were attempted to charge me for ). Despite multiple communications and mailed documentation, XXXX XXXX and XXXX neglected to correct the error and credit my account for the {$350.00}. I have contacted the property management at XXXX XXXX and many in leadership at XXXX. XXXX would not return any of my communications. 

Recently they reported me to a credit agency. In XX/XX/XXXX I immediately notified the collection agency, Columbia Debt Recovery, that I was in dispute of the 'debt ' and notified them that XXXX  was aware of my dispute as well. Columbia Debt Recovery continues to contact me after I notified them that I was in dispute of the 'debt '. 

In XXXX of XXXX I also finally received a single response from XXXX leadership to my many many communications since XXXX -- this was to inform me they could not address my concerns because my account was reported to a debt collector.
Consumer complaint received 2022-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada) (IL)

Hi, I attempted to verify this debt and the amount with this company XXXX different times. I never received anything back. I verified my address with them, and still, nothing ever came. I do not think they can verify it. I have tried to dispute, and it has not been resolved I now have to submit a complaint because the amount of the debt keeps growing without notice or any validation. 

The company claims the original creditor and the credit bureaus are taking on the fees on this account and that I owe an amount that I do not owe and have not been made notice of or actually owe as its fraud and all I have wanted to do was get this resolved and this company on recorded lines have made claims that the credit bureau is responsible for the amount and the fees and it can not be removed disputed or settled after 6 times in the last year trying to verify and not receiving anything back. 

Please remove this, as it is violating my rights and hurting my credit.
Consumer complaint received 2024-02-10
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. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This account was CLOSED. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. This account was PAID and CLOSED. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX BANK 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 an account without my written instructions
Consumer complaint received 2023-04-08
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. (LA)

XX/XX/ experian fixed a issue with my dispute unfortunately they did not re-add my XXXX  account to my boost and actually lowered my credit score which makes no sense at all. Why would showing that a bill is paid off lower my credit score? Also using there boost system should of raised my credit score
Consumer complaint received 2022-11-14
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. (CO)

I have received an email that has the " appearance '' of officially being from Experian. In addition to there being no reason Experian should be contacting me with the type of information contained in the email there are other elements that make me question the authenticity of it origin and intent. Addtionally, if this is in fact an email actually originated by Experian, I do not think it is appropriate and I do not think it should be legal for them to contact me in this manner. 

I tried contacting Experian directly to determine the legitimacy of the email and lodge a complaint, and to determine if in fact it is a legitimate email and a part of Experian 's current business model. I could not reach anybody to speak with in person. I believe that also should be illegal, as these reporting agencies have so much power regarding an individual 's financial options and abilities in the consumer marketplace. A consumer should have the right and ability to speak to a real person to open a " case '' ASAP without having to blindly submit more personal information electronically with no accountability on the part of Experian or any of the other reporting agencies. 

I would like to speak with a real person at Experian ASAP to have them hear my concern and tell me if this is an email generated by their team. Obviously if it is not, then they should be made aware that there identity is being used by someone else, likely for nefarious purposes. 

The mere fact that I have had to resort to this reporting system to obtain some piece of mind should be evidence enough of how wrong the current status of accountability with the reporting agencies has become.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

PLEASE DELETE THE ADRESS XXXX XXXX XXXX XXXX XXXX AND ANY OTHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
AND PLEASE DELETE ALL OLD NAME EXCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
THANK YOU...
Consumer complaint received 2023-04-08
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. (CA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$25.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.