davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
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. (MD)

In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX IN account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX ; XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-07
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. (OH)

Fruadlent Accounts and inquiries appearing on credit report. 

Accounts XXXX. XXXX XXXX {$920.00} XXXX. XXXX XXXX {$640.00} Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (MD)

I bought my townhouse on XX/XX/2020 during the pandemic with the help of a down payment assistant program of {$11.00}, XXXX, forgivable after 36 months of consistent payment. My mortgage was with Sun West mortgage company ( SWMC ). While attempting to refinance and shopping around, I was told that I have a third XXXX  for {$31000.00} on my mortgage ( deed of trust ) with a guy named XXXX XXXX XXXX XXXX as the trustee and Beneficiary, MERS acting solely as a nominee for Sun West Mortgage Company inc. 
I confronted SWMC and was initially told that it was a grant ( in my understanding ). I inquire about what happened to the grant or why I have a third XXXX  on my title and so far have received no answer or clarification. I tried reaching out to MERS and was told that they are not a mortgage company and to call SWMC. Please investigate, there is a fraudulent 3rd lien on my mortgage account.
Consumer complaint received 2022-09-12
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. (WA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-08
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. (WA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2020-05-08
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. (FL)

On or about mid XXXX I contacted XXXX who handles two of my Credit Cards. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.
Consumer complaint received 2022-07-22
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. (MS)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXXbut I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (PA)

I have repeatedly disputed this account asking for validation from the company, and I have not received anything from them. I paid on the account a long time ago because an agent from the company told me I had to to make my credit better. As i was making payments I saw my score dropping. I called and the agent told me that paying them was helping me, but I don't know who they are or why paying them would help me. I have since been advised that agents are not allowed to give credit advice. I feel that between the " advice '' I was given, and the lack of validation when requested makes this a very interesting FCRA case. Please help me sort this mess out!
Consumer complaint received 2022-09-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FORD MOTOR CREDIT CO. (GA)

To Whom it May Concern ; This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged the obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC 1692g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 2 9 n Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report and compensate me for my mental as well as financial distress Account # XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

For over 3 years I have submitted proof to the XXXX credit bureaus that XXXX XXXX was garnishing my wages on an account that didn't belong to me, the account in question was opened fraudulently. The garnishment caused my actual credit card payments with XXXX XXXX to bounce and caused a chain reaction of late payments because they were on auto-pay. 

XXXX XXXX sent me a letter acknowledging that the garnishment was not supposed to happen and refunded all the payments they took from my check. XXXX XXXX didn't erase my late payments that were caused by their mistake. I have letters from XXXX XXXX acknowledging their mistake, and copies of certified letters from me to the credit bureaus asking them to correct the information and remove the late payments. 

I have placed a fraud alert because there are hard inquiries that I did not authorize. The following hard inquiries are not authorized by me : XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance )
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Credit & Finance, Inc. (FL)

I have an account with XXXX XXXX XXXX XXXX. I have been paying on the debt for 9 months. I need to change the arrangement but the number they give you to call XXXX answers, puts you on hold for two minutes, then says voice mailbox is full then ask u to press 0 for someone else when you do it again says the mailbox is full.The website www.atlanticcreditfinance.com only allows you to file a complaint but nowhere to access your account.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I noticed a debt for {$240.00} on my credit report from Portfolio Recovery Services LLC well over a year ago from XXXX XXXX  that is not mine. I have disputed this with the collections company for over a year now to no avail. The company has marked it as disputed on my credit report but refuses to remove it. They have gone as far as sending me a past due bill from the original creditor without any other details other than saying I owe the amount shown. I have told them over and over that these are not my charges and if they looked into the charges they would see its not mine but it just gets ignored every time and the charges stay.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

We originally received a statement from Shellpoint Mortgage Servicing stating we owed over {$6000.00} after taking over our mortgage from XXXX. After filing a complaint, we are in receipt of a new letter stating we now " only '' owe {$2600.00} for " Bankruptcy Legal Fees ''. We have not filed for bankruptcy. We believe something is amiss here.
Consumer complaint received 2022-07-22
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. (MS)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be update as soon as possible. 
XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was offered a settlement on my capital one credit card I paid the settlement offer but capital one is still reporting that my credit card is still overdue amd that I still owe money on it amd they wonr remove the negative item or update the account to say its paid it's just sitting there as if I haven't done anything to resolve the issue
Consumer complaint received 2019-09-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

I have disputed this account onXX/XX/19 and requested the method of verification for this account. I know that this account can not be verified because I have reached out to XXXX XXXX and they never responded. 

On XX/XX/XXXX, I sent a letter directly to XXXX XXXX XXXX XXXX account XXXX requesting all the legal documents that they should have in regards to the auto loan and everything with the repossession and selling of the vehicle. On XX/XX/2019 XXXX XXXX received my request ( tracking number XXXX XXXX XXXX XXXX XXXX ) and never responded. You are still continuing to report this account on my credit reports and you do not have the legal documents to do so.
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (IA)

XX/XX/XXXX I had a XXXX done by XXXX XXXX. I was billed XXXX. I paid XXXX XXXX directly on XX/XX/XXXX. On XX/XX/XXXX at approximately XXXX XXXX  CST I spoke with XXXX XXXX, a debt collector with CPC Recovery Group. ( Central Portfolio Control ). I emailed him the receipt of the medical bill being paid. XXXX stated that the bill i provided was not suffice. ( attached ). I advised that it had been paid and he confirmed that the XXXX XXXX account number that i had paid on XX/XX/XXXX was the account they were trying to collect. I asked them if they would contact XXXX XXXX XXXX   and confirm that it had been paid. I was advised that they would not do that and i had to provide additional documentation. There were several more phone calls in which i do not have the intimidate access to time and date, but can find them if i need too. 

Starting XX/XX/XXXX the debt was added to my credit report. CPC would not return my calls, not contact XXXX XXXX or remove the collection from my credit report that should not have been there in the first place. 

On XX/XX/XXXX i again sent the statements showing the account was paid to a XXXX XXXX. The debt is still not going to be removed. I can not get CPC to contact XXXX to confirm it was paid, or accept the statements i have showing it was paid. 

Over the last 9 months, i have been hung up on multiple times, can not get return calls and can not get CPC to pick up a phone and contact XXXX XXXX and confirm it was paid before they received the account to be collected on. I have exhausted all of my options and i have nowhere else to go to get assistance with this. 

Please help.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

My account was continually locked down so I could not spend my money when I needed to. Bank fees were constantly charged even after funds were deposited in time. They put a garnishment on my account and did not notify me- which caused multiple bounce fees and finally had to close the account. I had banked with Wells Fargo for years.
Consumer complaint received 2020-05-08
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. (CO)

Experian should not be reporting the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. This account belongs to my father. I have contacted XXXX XXXX XXXX as well as Experian to remove this account from my credit report however, I have not been successful. This account is also reporting ( 30 ) days late and is seriously harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

You violated my rights Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I am writing once again about my dispute with Kohls department store. The prior complaints have not been addressed and I continue to receive a generic, self automated response from this company. I have tried to reach out to the company to speak with XXXX XXXX Executive Correspondence Lead Office of the President Kohls Department Stores. She indicated in response to the CFPB that if I had further question I could call her to discuss them. I called Ms. XXXX XX/XX/2020 and left a voice mail message and have yet to receive a return call. They are not attempted to resolve this issue with me. They have responded to the CFPB but refuse to speak with me. They see me a a nuisance and have responded to you only because they are required to do so by law. I would like have this issue resolved and not pushed aside as so frivolous compliant filed in my behalf
Consumer complaint received 2020-05-08
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. (GA)

I was a victim Of identity theft mainly because of the XXXX  data breach. My information had been compromised and use to open fraudulent accounts Mainly with XXXX XXXX. And then they went to collections selling my information to XXXX XXXX XXXX  THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX beginning with XXXX XXXX XXXX XXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have the TransUnion app that allows consumers to place freezes on their credit file when the are not needing to apply for credit. I recently applied for credit and it says that transunion can't determine if there is a freeze on my account or not. It provides a toll free to call. I have called the number several times and when trying to use the toll free line to remove the freeze it says there is no freeze on my credit file. When I speak to a representative they a telling me that my account is being handled by a specialized fraud prevention team or department and they are the only ones that can access my file. This department they're telling me is not operational at the time. This is putting an undue hardship on my the consumer. The company I am applying for credit with using Transunion services and will not extend me credit or allow me to open an account until they receive my report from Transunion. I have never contacted by transunion giving me any indication that there is suspected fraud on my file. Furthermore, I have recently pulled my report and they have my name address, email address and phone number and all is corrected. If they suspected fraud on my account why has no one contacted me. I have also pulled my report and the information is correct with the exception of a few late payments which I plan to dispute. I need this resolved as soon as possible.