davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other XXXX Companies and Id like them removed.
Consumer complaint received 2022-12-10
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: Self Financial Inc. (TX)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which qualifies as XXXX under the XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Purchased a computer from Best Buy with their store CitiBank Credit card for {$1900.00}. Item was shipped missing components and was an obvious return that was re-boxed and resold by Best Buy or XXXX XXXX. Told to return item by support after no response from manufacturer, item was received and signed for XX/XX/XXXX via XXXX label provided by Best Buy. Was told I would get a refund by support. No refund appears. I initiate a dispute with CitiBank providing proof of return and tracking. 
Call Best Buy phone support, the girl helping me tells me my account has a note to not help me and to advise me to contact XXXX. 

XX/XX/XXXX, I go to my local Best Buy to get help because still no refund. Manager of store tells me that Best Buy mailed the item back " to me '' XX/XX/XXXX, item was deliver to XXXX, IL XX/XX/XXXX, with no address by XXXX. I live in XXXX XXXX, IL. Best Buy opens an investigation on XX/XX/XXXX for the lost package. ( at this point I have no idea the item was mailed to me, I didn't find out for another month ). XX/XX/XXXX, Lots of finger pointing by XXXX and Best Buy, no resolve from credit card dispute still. Late XX/XX/XXXX, I file a XXXX  complaint and am contacted by someone at CitiBank corporate in XX/XX/XXXX, who tells me she can't refund me but sees all the evidence should get me a refund. XX/XX/XXXX XXXX issues insurance claim to Best Buy for full amount ( according to XXXX phone support and XXXX tracking ). XXXX advises to contact the sender, aka Best Buy. Because XXXX apparently doesn't insure the receiver, only the sender. 


Best Buy accepted the insurance claim according to level 1 phone support, but they have no idea what to do now, advise me to file a credit card dispute ( which I did months prior ). 

XX/XX/XXXX, Citibank mails be a dispute decision and excludes the real tracking number, but Best Buy has included three tracking numbers two of which, are for two other items purchased in XX/XX/XXXX and are blatantly claiming them as the computer return tracking, despite the return happening in XXXX. They exclude all of my evidence, and exclude the real tracking number showing that XXXX paid the full amount insurance claim. 

I just want my money back.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Dear [ Debt collector name ], I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX ], on [ XX/XX/XXXX ] and identified the debt as [ blu XXXX XXXX ]. I do not have any responsibility for the debt youre trying to collect. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

LVNV Funding LLC I am responding to your last letter about collecting a debt. 
XXXX XXXX ; CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX Simply stating in your last letter you verified without providing a signed contract is unacceptable. I am not responsible for the debt youre trying to collect. If you have good reason to believe I am responsible for this debt, please attach a signed contract to your response on this portal for this claim. Documents showing my responsibility, including but not limited to : A signed contract proving this debt belongs to me. 

Stop all other communication with me and this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also say that the debt is disputed. 

I appreciate your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-21
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. (LA)

XX/XX/2022 XXXX removed an account named XXXX XXXX which was reported as a charge off on my credit. Ive spent a months trying to get the account removed bc it is not my account. Ive submitted paperwork to all 3 credit bureaus ( XXXX, Experian, and XXXX ). Even thought, XXXX did a thorough investigation and finally removed the unknown account XXXX, and Experian are failing to comply. Ive been submitting documentation to my claim and still nothing. This entire situation has cost my credit score to be in a position were Im not able to obtain a vehicle and able not have reliable transportation to work for my family. Ive become emotionally distressed, which is causing me to be depressed.
Consumer complaint received 2022-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX  XXXX sold my home equity line to Specialized Loan Servicing a few year back. When we were going through the pandemic I had a covid related issue and SLS allowed me forebearance. Last year they gave me a trial modification wherein I was supposed to pay {$320.00} ( approximately ) a month for three months and then it would be a permanent payment. I paid the amount the first month, the second month I lost my mom and just was distraught. At the end of the second month I called SLS and explained to the representative, she said don't worry about it, just pay the 2nd and 3rd month now and you will be fine. I paid the {$670.00} and was waiting for the permanent adjustment. 

This year I was getting letters and calls from them stating that I had to pay thousands of dollars and that I should not have missed the 2nd payment, they were rude and threatened to foreclose on my home even talking about short sale. They sent me paperwork for a modification again. I have income and have 2 folks that live with me that are giving me money. I am extremely stressed because instead of trying to work with me they seem determined to foreclose/cause a short sale which it would not be a short sale technically because I have equity that exceeds the amount owed. I think it is wrong that they would agree to accept the two payments and then turn around and not want to give me a modification. Also I have applied to them for a modification and can show where I can make the payments. They are a very deceptive company and should be punished.
Consumer complaint received 2022-05-26
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. (SC)

I am writing to dispute the following information that is reporting on my Experian Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed is the police report and my Experian credit report . Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.
Consumer complaint received 2022-05-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's that were disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected. 

I have attached to this complaint the original letter mailed off and my only two forms of i.d . 
verifying that this complaint is indeed from me and not a third party.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.
Consumer complaint received 2022-04-07
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-07
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Spring Oaks Capital, LLC (GA)

The company Spring Oaks capital LLC begin contacting me offering multiple business loans upon turning them down they have now submitted a false debt collection report to credit consumer reporting agencies. This collection notice was done in retaliation and does not concern a legitimate debt.
Consumer complaint received 2022-12-29
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. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-29
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. (MD)

TransUnion currently is reporting under XXXX XXXX XXXX that I have a 120-day late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by TransUnion that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case XXXX XXXX XXXX XXXX

I have spoken to XXXX XXXX XXXX  on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments.

These incorrect late payments are still being reported by TransUnion and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my TransUnion credit report.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-11-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident. 

I have notified : XXXX XXXX XXXX, XXXX Portfolio Services and Portfolio Services about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was XXXX My XXXX XXXX XXXX XXXX along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Someone was able to open up fraudulent accounts because they had all my info from the XXXX. The fraudulent accounts were opened up shortly after my XXXX XXXX XXXX XXXX and my items were stolen. 


PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2022-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

On XX/XX/XXXX I submitted the attached employment certification. 
I have not not been given credit for XX/XX/XXXX to XX/XX/XXXX. The company insists there was a typed or type like signature. The attached is in BLUE ink and is a hand written signature. 

On XX/XX/XXXX I submitted the attached employment Certification from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certifying I was employed there for XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2022-11-21
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. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Consumer complaint received 2022-11-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

On XX/XX/2022 I received a debt verification letter from your company. In response to that letter, on XX/XX/2022 sent certified mail, within my rights according to the FDCPA I sent a validation of debt letter requesting specific information on the alleged debt. On XX/XX/2022 I received the same letter with no additional documents failing to honor my written request concerning the validity of the alleged debt which from my understanding is a violation to the FDCPA. How is the alleged debt validated and verified?
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I missed a credit card payment on my Amazon Synchrony Charge payment and I am constantly be charged late fees although have made a payment on the due date. The mininum payment on a XXXX dollar balance is XXXX. I made a prevous payment of XXXX and my balance still remain XXXX I have not been late in past two months and I am still being charge a late payment fee. I am concercerned about these predatory practices.