davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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.

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 recods of convictions of crimes which antendates the report by more than 7 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 innacurate.
Consumer complaint received 2022-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (NC)

I received a notice from Afni, Inc., dated XX/XX/2022. It stated that my account with XXXX XXXX ( since closed ) had a total debt of {$240.00} and informed me that I could call or write to Afni, XXXX by XX/XX/2022 to dispute the statement. 

On XX/XX/2022, I wrote to Afni, Inc. at the email address provided. I stated that the notice claiming I owed {$240.00} on my XXXX account as of XX/XX/XXXX was incorrect. I attached a screenshot of my XXXX account page showing {$0.00} due and that all amounts have been paid in full and a screenshot of my online banking statement showing that {$240.00} was withdrawn on XX/XX/2022. 

I also provided my XXXX account number and Afni, Inc. 's reference number and asked that they confirm that I had no debt owing and that this incorrect collection notice would not affect my credit rating within 5 business days. A week has passed, and I have received no response.
Consumer complaint received 2021-12-07
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (TX)

Hello, Please help us! We are trying to sell my Mom 's home.She has a reverse mortgage which is service by NOVAD Consulting Company. 
We are currently under contract but are in danger of losing the sale due to lack of Payoff information by NOVAD.The Title company has followed all of the rules and filled out all of the forms properly.We have no response from NOVAD.We have spent hours on the phone on hold with no human to talk to or even leave voice mail. 
There are XXXX XXXX XXXX XXXX Complaints concerning NOVAD. 

We lose the sale of the house at Midnight. We lose the sale of the house. We will lose over XXXX in equity in the sale of the home of we can not close. 

NOVAD does not respond. 

House is under contract-XXXX XXXX NOVAD- refuses to provide payoff for closing XXXX XXXX XXXX  XXXX, Texas XXXX Thank you so much! 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There was an old account appearing on my credit file with XXXX from XX/XX/2013and now this account appears as a new account with some company named XXXX  showing opened this year just a few months ago. It's re-aging an item that is hitting my scores hard.
Consumer complaint received 2022-07-23
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. (AZ)

My father took my social and opened accounts in my name. I am not sure what he did with it, but all i am sure of is that he opened a premier bank account in my name but with his email address. My only proof is a piece of mail with all the info including the email and name he used for the account. I do not have this piece of mail with me right now because all my mail is sent to my grandmas. I was XXXX for a while with my younder siblings. He applied for a credit card and maxed it out. I am XXXX I have never opened an account until not even a week ago, and the banker told me theres are multiple accounts in my name that i never made. I forgot two of what she listed but i know here is a XXXX account and XXXX XXXX  account in my name that I didnt make. I JUST made a XXXX XXXX account but thats it. Everything else in my name was not me. Both my parents are XXXX XXXX XXXX and became XXXX during covid right around my XXXX birthday late 2020. I am lost and dont know what to do, but I want this cleared up so I can get a home myself.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Tried to send my daughter a XXXX for the amount of {$80.00} because it was a new account it flagged it for possible fraud then received an email stating my account would be closed for no reason given and that my funds would be held for 30-60 days while my account closing would be processed to expect whatever funds I had in the accounts to mailed to my current address.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is intentionally reporting inaccurate credit inquiries on my credit report after the fact of me calling numerous amount of times that these inquiries are false and fraudulent, especially since they are not attached to any accounts whatsoever. I have already sent in the correct documents to prove my case yet they automatically respond to the documents not being valid and they responded without full verification of these inquiries. They are intentionally reporting these 5 inquiries after being made aware of these inaccuracies which violates my rights as a consumer. I DEMAND THESE INQUIRIES TO BE REMOVED IMMEDIATELY! 

XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX XXXX XXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of any of these accounts and I have a right to privacy. 

I have asked for investigation results and proof that the accounts in question are valid multiple times and have received no such proof. 

This is a request for an investigative consumer report, which means a consumer report or portion thereof in which information on my character, general reputation, personal characteristics, or mode of living must be obtained through personal interviews with neighbors, friends or associates. 

The accounts must be permanently deleted if they are not 100 percent correct and accurate.

Please investigate these accounts. Please provide proof that they are 100 % correct. Please do not send me results again saying they are valid without proof of validity. 

I restate my demand for proof of my written consent, specifically the alleged contract or other instrument bearing my hand-written signature. Please provide proof that you have conducted interviews with my neighbors, friends and associates on my general character, general reputation, personal characteristics, or mode of living. Absent such proof, you must immediately and permanently delete the accounts in question. 

Please stop violating my rights to a true and thorough investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-07
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2022-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX due XXXX Letter was sent but no response Transunion Total due XXXX XXXX was sent no response XXXX XXXX due XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Consumer complaint received 2022-09-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # xxxxxxxxxxxx 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 an account without my written instructions
Consumer complaint received 2018-12-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

8 Years i cant get a NEW Credit Card becuse of my Credit Burrow File -- -- -- - I live in XXXX XXXX and Cant Contact the Credit Burrow from Forign Country Can the Credit Burrow Please Remove the Consumer Allert Telephone Number in my Credit File so i can Get a New Credit Card -- -- -- -- -- Appying Fore a Credit Card company wants two CALL my Phone number in the Consumer Allert File in The Credit Burrow -- -- -- -- The 3 Credit Burrow Experian XXXX XXXX and XXXX   could not Verify me so 50 Times I mailed 3 Forms of ID two Experian XXXX XXXX and XXXX never Help me and respond send ID agin -- -- -- -- - 5 Years i live in Forign Countries and Cant Call a BANK XXXX number Requires International long Disatance cost XXXX dollers a year two Call a Bank -- -- -- -- Im a Refugee and there is no Good way two Contact the Credit Burrow from a Forign Country mail may take months -- -- -- -- -- - I should Not Send coppy of my ID from a Forign Country -- -- -- -- -- -- -- -- - 50 Times I contact the Credit burrow that no bank can Verify me two Open a New Bank Acount
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX  # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY
Consumer complaint received 2022-02-03
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. (GA)

In XX/XX/XXXX I tried to file XXXX XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.
Consumer complaint received 2021-11-21
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting XX/XX/XXXX and XX/XX/XXXX late and attached is the XXXX letter showing I was in Forebearance during that time and before that time. Also attached is payment I made which further invalidates the late entries. This is incorrect, illegal and a violation of the fair credit reporting act.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (LA)

On XX/XX/XXXX, I sent Citi Bank a certified letter with a settlement offer in the amount of {$1000.00}. I explained my current financial situation and included terms that if the company accepts my check by cashing it they would agree that my account would be paid in full. The settlement check was cashed and now they fail to honor the terms. Prior to me sending this check my account was in a positive status and had never been late. My account has been reported as last to the Credit Bureau. Since XX/XX/XXXX I have been receiving numerous collection calls threatening legal action against me. I acted in good faith, but it appears that your company chose to act in a deceptive manner.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Make sure any accounts that were XXXX in the XXXX  show a {$0.00} and are labeled as XXXX or included in XXXX  XXXX XXXX is no allowed!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX  listing for Account No. : XXXX History listed wrong per XXXX  laws. Attached is a copy of my XXXX  filed on XX/XX/XXXX and final on XX/XX/XXXX XXXX. XXXX, filed in XXXX XXXX XXXX XXXX division XXXX Texas. 

Date : XXXX XX/XX/XXXX XXXX! 

Please forward the following email to you proper XXXX  XXXX for data removal. 

Per your order ( XXXX XXXX XXXX XXXX XXXX  ) they are listing my payment history showing one negative report and also showing the XXXX  in order to keep me from getting a good credit rating. They clam that your company is to blame. 

The reason for filling a XXXX  is to remove all past negative reporting to bring a fresh start. The law requires that you remove reporting past history prior to filing a XXXX  and only list the XXXX  without past payment history but XXXX XXXX XXXX wants both. XXXX  first list my account history then lists the XXXX ( see attached ). They will not remove the payment history unless you tell them to do so. 

Please have XXXX remove my past payment history showing a negative report or I will be forced to file an Adversary Proceeding complaint with XXXX  court in thirty ( XXXX ) days from the date of this letter. I above case in now reopened so I can fill such a complaint. 

XXXX Bless! 

_______________________________ XXXX XXXX XXXX, Pro XXXX Attached : Copy of Letter, XXXX Report, XXXX, & Reopen of XXXX
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (KY)

This was a XXXX XXXX credit card with Synchrony Bank I signed up for around XXXXXXXX XXXX XXXX that offered zero interest for a year. I bought a laptop, set it on auto pay, called them to make the full payoff 10 months later. Just noticed recently that the full payoff was never made and it's been acrueing interest ever since the card was issued. Around {$2000.00} in interest they are charging me because they never closed the account despite them recording the call of me giving authorization to make the full payoff on that date years ago. Credit card companies record every single phone call, do I have any recourse of action to get them to own up to willfully not closing this account? Suing them into returning my money?