davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
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. (NV)

1.XXXX  XXXX was added to my credit report in error this is not my account 2. XXXX balance is incorrect and I have never paid late 3.XXXX 's XXXX was added to my report in error this is not my account These large items along with others on my credit report have been disputed with the credit bureaus and not removed
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MA)

I noticed my credit report saying I owe XXXX money. So i called XXXX multiple times and they kept transfering me, ive probably been on the phone with them XXXX XXXX so far and never go directed to the right department to handle this. Most of the departments verified they cant find an account for me in the first place, my name is XXXX XXXX, birthday XXXX  and phone number has been XXXX for the past XXXX XXXX. I have never signed a contract with them or had an account with them in any form, including internet or whatever else they provide. I told many of theyre departments that this would have to be fraud if this report is even true. If they have a signature, id like they to match it to mine because I know I have never had an account with this. Please invesigate this buissnesss practices and require them to actually have my consent before charging me, like I said before, I have NEVER had an account with them or services with them in my whole life. I kept reaching out to them, and even disputed on experian and both have had no luck.
Consumer complaint received 2022-09-27
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: Maximus Federal Services, Inc. (NC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2021-06-01
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. (IL)

On XXXX I sent a letter regarding inaccurate things on my credit report. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party. This collector/creditor did not provide HIPAA release to e able to collect n this debt.This is a direct violation of my HIPAA rights. I am proceeding with legal action, should this item not be deleted within the required time by law. I will also be seeking compensation as well.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX Dear XXXXVNV FUNDING, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This prof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the XXXX of Limitations has not expired on this account. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act.

b ) Defamation of Character. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-05-30
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CA)

I paid my account and settled in one lump sum payment. The collection company is not willing to delete my account from the bureaus. Other companies either delete after settling in full or at least update you as a paid in full. Other companies Ive dealt with claimed the same thing that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Consumer complaint received 2022-12-19
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. (FL)

TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT XXXX. XXXXXXXX XXXX  # XXXX INQUIRY XXXX. XXXX XX/XX/22 EMPLOYER XXXX. XXXX XXXX XXXX XXXX ADDRESS XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Consumer complaint received 2021-06-01
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. (TX)

I have submitted 2 separate disputes in regards to inaccurate reporting accounts and have not received any results in regards to either investigation.
Consumer complaint received 2021-06-02
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. (TX)

I have submitted multiple disputes concerning a XXXX account and Transunion continues to close the dispute reporting it was verified as accurate. The original creditor has supplied statements and account information and it directly conflicts with the inaccurate reporting by Transunion. The latest dispute from XX/XX/XXXX shows that the account has not been updated since XX/XX/XXXX and yet claimed verified. I feel that they are not fully looking into this account and contacting the original creditor directly to look further into the dispute and would like to see how it was verified if they claim it is correct even when the original creditor has provided information that states otherwise. The account also does not align with what is being reported by XXXX.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

To Whom It May Concern, I am writing to dispute the recent dispute results regarding the XXXX XXXX XXXX  XXXX Installment ) account that is reported on my credit report. Simply stating the account information is accurate and updating the account in the areas where I pointed out discrepancies does not verify that the account is accurate. I have tried on numerous occasions to have this ford account deleted. In the attached letter you will clearly see that this account was charged off and sold to a debt collection agency which is in the letter. You will also see the negligence of payment balance reporting of this account as well. The last payment for this account is showing as XX/XX/XXXX according to your records. From XXXX XXXX XXXX the account payment history shows as ND No Data which clearly shows and proves erroneous reporting. The attached letter shows the outstanding balance from the debt collector as {$4500.00} but the balance being reported to the bureau {$4500.00}. This clearly shows negligence and false report which is illegal. Also, this account has been charged off since XX/XX/XXXX with a balance of {$3500.00}. Even after going to court and the balance changing to {$4200.00} on XX/XX/XXXX, this charged off accounts balance should not continuously keep increasing which again shows negligence in reporting. I want this XXXX XXXX XXXX account deleted from my credit history report immediately. False reporting is illegal and for the bureaus to stand behind these illegal activities makes them just as guilty. If this account is not deleted, I will seek legal action against XXXX, XXXX, Equifax, and XXXX XXXX XXXX for negligence and false reporting. Please provide me with an updated copy of my credit report once the investigation is complete.
Consumer complaint received 2021-06-01
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 (MN)

CapitalOne credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). XXXX  has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, CapitalOne has not reported my balance decrease to XXXX, or XXXX  is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped 41 points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.
Consumer complaint received 2021-06-01
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. (NY)

I did not consent to, authorize nor benefit from any of the following Inquiry. BLOCK AND REMOVE.

I recently reviewed my credit report and found unauthorized inquiries. These inquiries are Fraudulently.

I personally reached out to the below creditors and asked them did they have a verbal or signature on file of me as the original creditor and consumer giving any authorize of my credit card ( my Social Security card ) to be used or ran for any of these unauthorize inquiries, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose, which is in violation of 15 U.S. C. 1681b.

According to Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following Inquiry are unauthorized : Block and Remove
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ive contacted both comoanys before and have got no results i want inqurirys removed from my credit report i filed report and see no reason these inquirys are not removed
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (OR)

AD ASTRA RECOVERY SERVICES is in violation of 15 USC 1692g. AD ASTRA RECOVERY SERVICES did not respond within 5 days of initial communication. I sent a debt validation letter to AD ASTRA RECOVERY SERVICES on XX/XX/21 and they did not respond with the information I asked for. I asked them to send me proof that I owe them this debt. I asked for a signed agreement Debtor has made with debt collector. I asked for the authorized Signature of the creditor. 
They failed to provide me with any contract as proof that I owe them this debt. 
They send me a letter on XX/XX/2021 that included a symbol which is in violation of 15 usc 1692b ( 5 ). 
Rapid cash is also in federal violation for not including the sum of all charges in the finance charge. Violation of 15 usc 1605. I never gave consent to AD ASTRA RECOVERY SERVICES.

AD ASTRA RECOVERY SERVICES is in violation of 15 usc 1692 for stating I owe a debt through mail. After I already sent them a cease and desist.
Consumer complaint received 2021-03-25
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: Adler Wallach & Associates, Inc. (CA)

I have filed a dispute 3 times, ( one is pending ) and AWA has promised to remove the record BUT keeps adding it back.

ITEM IN DISPUTE : AWA COLLECT XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy The creditor agreed to delete this account. 
CONTACT INFORMATION AWA COLLECT, COMPLETED ON XX/XX/2021 ITEM IN DISPUTE : AWA COLLECT XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy The creditor agreed to delete this account. 
The creditor agreed to change account information. 
CONTACT INFORMATION AWA COLLECT,
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX 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 instruction
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (TX)

These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( DOFD ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at Experian, XXXX and XXXX.
Consumer complaint received 2021-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I feel this company participated in unfair and misleading practices, I feel I have been discriminated against in reference in lending, and I feel they have violated a federal consumer protection laws and regulations. I applied for a refinance loan, and I was advised I would receive the amount I asked for. I qualified in every way, my credit score is high, my equity in my home is high, my income is high, and there was no valid reason for denial or than my ethnic race. I was asked what nationality I was and I provided it to them and I was shortly denied the loan. I called numerous time to get a fair explanation and they could not provide a reason. I even tried to speak with a manager and I was unable to get though. The person processing my loan was not clear on the denial as well. 
The credit decision was inaccurate because i score above a XXXX credit score, My income in good because i have a full time job and XXXX rental properties that bring in income. I feel something was done wrong while in underwriting and no one has been able to explain why. This transaction started XXXX the Refinance would have pulled out {$60000.00} of equity and i have about {$15000.00} in equity. my payment would have only went up {$100.00} and they ( underwriting ) claim i can not afford that. which is odd because i have more than enough income.
Consumer complaint received 2021-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

We had a 30 year mortgage with XXXX Mortgage from year XXXX to XXXX then XXXX Mortgage transferred the servicing of our account to XXXX XXXX XXXX. Then XXXX transferred the servicing of our account to XXXX Mortgage and just here recently XXXX Mortgage transferred the servicing of our account to NewRez. We just told recently that we did a 50 year loan with XXXX XXXX and did a modification for XXXX which in year XXXX then we are to pay the XXXX no interest. None of this is true and we need help.