davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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. (MD)

Transunion is violating my rights per the Fair Credit Reporting Act ( FCRA ) because they have not validated the debts they reporting. I numbered some Transunion credit reports to refer to in this complaint. 

XXXX. I have sent several letters to Transunion ( four are attached to this complaint ) highlighted yellow requesting them to sent requested information ( a description of how the reinvestigation was conducted along with the business name, employee name, address, and phone number of the furnished of the disputed information, so I can follow up with them ) in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VL, Section 611, Subsection A-D. Transunion have never send me the requested information. I am requesting validation not verification. Please send validation of these debts 2. They took over 60 days to complete the investigation because they never sent out the information requested after the investigation per the FCRA.
Consumer complaint received 2021-10-13
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. (NJ)

XXXXXXXX  continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the XXXX  account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Consumer complaint received 2021-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-12-28
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XX/XX/XXXX Bank of America put a hold on my card for one {$120.00} charge from a company called XXXX that was selling XXXX XXXX merchandise on XXXX. I took hold off thinking nothing just the bank is being cautious with a new vendor. Later that day and into XX/XX/XXXX my card was charged by a company called XXXX XXXX times with XXXX additional international transaction fees totaling {$15000.00}. At no time during this did Bank of America freeze or put a hold on the card. XXXX actually charged the amount {$48.00} a staggering XXXX consecutive times and that amazingly didnt raise a red flag. When I realized this on XX/XX/XXXX I immediately called the Fraud department and filed a claim. I was assured my account would be corrected and to please be patient. in XX/XX/XXXX I received a letter rom XXXX XXXX XXXX basically blaming me for it because I was responsible for the XXXX charge and they are the same company as XXXX. I believe Bank of Americas negligence far outweighs mine and it is unfair and unacceptable that they bear no responsibility and expect me to pay for this.
Consumer complaint received 2021-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2021-10-13
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: CLGF Holdco 1, LLC (NJ)

XXXXIndigo continues to report a fraudulently opened credit card on my credit report, regardless of me telling them verbally and also in written letters multiple times that the account does not belong to me. They sent me a letter earlier today stating that they " believe '' the account belongs to me and is reporting correctly on my report. They have consistently cited that payments were made by " me '' on the account from a bank account, however, this alleged bank account does not belong to me at all. I've told them to provide me proof that this bank account is mine to from which these payments were made. They believe this is my account solely based on the fact that payments were made and questioned me as to why this happened. I am unable to know what is on the mind of a criminal and why they did whatever they did but that does not obligate me to this debt, it is in fact fraud. Instead of investigating this comprehensively they continue to defame my character by continuing to report this and refusing to remove this account from my credit report. The latest dispute only taking two days for them to verify. How can someone do a thorough investigation after only two days. I also blame the bureaus for allowing this to continue the way it has. After my recent dispute XXXX dropped my XXXX  score XXXX points for no other apparent reason other than them putting a remark on the Indigo account that it was being disputed again. This seems to be a decision that was made in retaliation for me continuing to dispute this account. 
After multiple months of fighting with them I am forced to file a complaint due their negligence in validating this account accurately. This defamation has caused me to not be approved for credit cards and is currently stopping me from applying for a mortgage this needs to be removed immediately. I have also filed a identity theft report with the FTC.
Consumer complaint received 2021-10-13
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. (ME)

Well fist of all my credit line report was decreased by {$21.00} which is absolutely incorrect. My XXXX XXXX cardbstill has the original {$200.00} limit. Also XXXX XX/XX/XXXX I believe my score was decreased by over 120 points due to lack of credit use. During that time my cardbwas hacked into causing me to have to cancel my card and wait multiple weeks to receive the new card. Just as soon as it arrived it was hacked again without me to even be able to use. Causing yet another cancelation and more weeks of waiting for the new card. I was subsequently unable to even access my card for over a month. Hence not being able to utilize my credit. I'm in the process of trying to purchase my first home and your transunion score is very much so hindering me from doing so. Please contact me for any information @ XXXX XXXX Thank you XXXX XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network (GA)

Hello, I requested validation of an alleged debt from Sage Capital Recovery around XX/XX/2021. I then responded back immediately, via certified mail requesting validation. 

This request was not honored. I have not received validation after 2 attempts which span over 1.5 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect... 

Furthermore, I this correspondence stated that Sage Capital Recovery now owns this alleged debt ( Once held by XXXX XXXX XXXX ) and that they will now be solely responsible for perusing it. However, XXXX XXXX XXXX continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reporting bureaus while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged deb/invalidated account off of my credit reports immediately.
Consumer complaint received 2021-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

Based on your company feedback : " XXXX XXXX XXXX XXXX is in receipt of the consumer 's complaint. According to our records, we previously mailed itemized bills to the consumer in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In addition, our company has ceased all communications per the consumer 's request as of XX/XX/XXXX. Unfortunately, NRA Group LLC is unable to open the consumer 's attachments due to the nature of the files. '' You are in fact now knowingly and willfully in violation. Pursuant to 15 USC 1693n-Criminal Liability : ( a ) Violations respecting giving of false or inaccurate information, failure to provide information, and failure to comply with provisions of this subchapter Whoever knowingly and willfully ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose by this subchapter or any regulation issued thereunder; or ( 2 ) otherwise fails to comply with any provision of this subchapter ; shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

On XX/XX/XXXX, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I borrowed money from this company but I can not afford to pay it back with the high fees. My checks were garnished from federal and state level and a levy is on my home. I have given everything out of my accounts and I have monthly payments garnished for the next few years and a levy on my home. Due to obligations with the government, I ask to pay pennies on the dollar for original amount borrowed. I really have nothing left.
Consumer complaint received 2021-10-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GVA Holdings, LLC (SC)

I owe this company but the outragious fees became too much to bear when federal and state garnished my wages and put a levy on my home. I not afford the thousands of dollars being requested. I can pay amount originally borrowed agreed upon on a monthly basis but I truly have nothing else.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 records of convictions of crimes which antedates the report by more than seven 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 inaccurate.
Consumer complaint received 2021-10-13
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. I also believe my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).
Consumer complaint received 2022-06-27
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 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 2021-10-12
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. (MI)

This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and Transunion and Transunion continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..
Consumer complaint received 2021-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I booked a plane ticked through Bank of America Travel Center for a multi-segment trip ( departing XX/XX/XXXX XXXX and returning XX/XX/XXXX XXXX ). On XXXX, the Travel Center notified me that my return flight would be on XXXX which would mean missing work and incurring additional hotel expense. I call the phone number on their email to make changes or request refund on XXXX - spoke to an agent for 45 minutes who promised that he would get back to me. He never did. I emailed later that day and never heard back. I called twice today on XX/XX/XXXX and the line was hung up after waiting on hold about 15 minutes on each call. I then went to the Bank of America ( parent ) Credit Card division to dispute the charge and the website indicated that I could not do so. I called XXXX XXXX and they said that I had to go through Bank of America Travel Center. I called Bank of America ( parent ) Credit Card division and they transferred me to the Travel Center. I have now booked a new flight and can not use this ticket. I need a full refund. I have easily invested about 4 hours of effort in trying to get a refund. I will be closing my Bank of America Credit Card.
Consumer complaint received 2021-10-12
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: LEXISNEXIS (IL)

LexisNexis Violated my right to privacy pursuant to 15 USC 1681a ( 4 ) by sharing my private, personal bankruptcy information and has infringed upon my Consumer rights to privacy. LexisNexis did not have a permissible purpose nor written instructions to furnish my personal and private banktruptcy information to any consumer reporting agency which they have done.
Consumer complaint received 2021-10-10
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. (GA)

ON XXXX I Submitted a complaint to the CPFB- XXXX. On XXXX Transunion stated they would look into my compliant and will contact me within 30 days with a resolution. We're approaching 60 days with no response or resolution.
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Company Name : loan depot Closing date XXXX When we applied for the loan we were given 2 options, 1 with escrow tax and insurance and the second without escrow on tax and insurance at a higher interest rate. We chose to not to escrow the taxes and insurance. 

After we paid for the appraisal and 3 to 4 weeks passed. I was advised by loan depot that they could not escrow the flood insurance they did not know why. But they still charged us the higher rate. 

After that we received 6 closing disclosers from loan depot for our approval which stated that it included some of the home owners insurance on all of the approved disclosers. 

On the closing date we signed all the documents including the HUD disclosers as per the agreement again it included some of the homeowners insurance. 

The 3 days right of cancelation passed and loan depot funded the loan to the title company they called the title company and asked them if they had payed the mortgages off. After the title company advised them that they had then loan depot advised the title company that The borrowers would be getting less money as they did not included the flood insurance in the closing amount. Then loan depot changed the closing discloser to reflect the new closing amount and changed the monthly payment to include the escrow of the flood insurance. 

Let me be clear we did not approve this change or signed any new HUD closing disclosers. We were not asked by the title company or loan Depot to sigh or approval any of the changes they made without our knowledge nor were we giving the right to challenge or refuse the change. 

All this was done after they funded they knew that there was an issue but waited to fund first. 

We called and left a message at loan depot to find out what was going on with a manager regarding the lower cash back amount but they never replied. 

Later that day the person that was working with us called to apologize and that he saw what happened and that it was not right but that there was nothing he could due as it was done by management above him. He also sent us the new closing discloser with the changes they made. 

He said he was doing this on his own because he felt bad about what happened. 

We would like to know what document 's were sent to HUD? 

What are the official documents the ones we received at closing or the ones loan depot changed without our approval or knowledge? 

Is this even legal? 

So we ended up with a higher payment and received less money at closing. 

Me and my wife are licensed XXXX XXXXXXXX XXXX and XXXX  we have done many closing in the last 20 years and never see anything like this. 

Please let us know if you require any additional information. 

Thank you
Consumer complaint received 2021-10-26
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. (IA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.