davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

The lender ( https : //www.myloancare.com/ ) has not paid property taxes from the escrow account. I have raised 2 tickets with the lender with the tax bill attached and called them 4 times in XX/XX/2021. They do not respond to the online tickets and on the call I get a different response every time. 

The tax deadline is XX/XX/XXXX and I am concerned they will not pay in time and I will be stuck with the penalty as well. 


I have attached the receipts for the 2 tickets I have raised with the lender and the tax bill.
Consumer complaint received 2022-10-12
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. (MI)

I have unauthorized inquiries on my credit report that I never authorized or approved as well as a collection account with XXXX XXXX that I dont know anything about. The follow companies with unauthorized inquiries reporting on my credit are : 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 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
Consumer complaint received 2021-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One is listed on my credit report twice. They sold my collection to another agency and that agency is listed on my credit report as well. This is listed on my XXXX  credit report. I have tried contacting Capital One several times about this unfair collection practice. However, they have not removed this from my credit report. This is hurting my credit report tremendously. Further I have an auto loan with Capital One. I have requested for my account to be evaluated upon Goodwill several times, and they have not taken into consideration certain circumstances that I had to deal with in my life and they aren't helping my credit situation during these times of COVID. This has affecting myself being able to provide a home for my children and CapitalOne does not care. I would not recommend to anyone doing business with them. They have no compassion for their customers in times of need and pandemic. This company 's main focus is to keep people from being able to have anything. Do not do business with these people. They do not care about you.
Consumer complaint received 2021-01-24
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: AMERICAN EXPRESS COMPANY (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX and XXXX XXXX, XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authoriz ation Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (AZ)

Google suspended my google pay account in early XXXX, this impacts all of their services as they dont allow their users to pay directly with a credit card so Im unable to use any of their other services, they asked for my ID but not a reason why they were requesting it, Ive had this Google Pay account for a minimum of 5 years and no issues. They will not respond to my inquires and they say they dont have a phone number that I can reach out to, they keep responding that they are investigating but no timeline, no reason and no feedback as to what happened in the first place. How can a large multibillion dollar organization not have a department that can provide answers as to what led to this on the first place
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

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.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (MD)

When I applied for a loan with Navy Federal in XXXX of 2020 I was first denied because of DTI. When I called they re-considered and approved the loan. My credit score was over XXXX. When they approved me it was at 18 %. I really feel like this was excessive based on my credit score. Since then I have paid over {$1500.00} in interest. I think this rate was very high based on my score.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I found errors on my credit report, I submitted a dispute on XXXX XXXX 2020, it has been over 60 days. I have not recieved anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely matter.
Consumer complaint received 2021-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Vision Mortgage Company, Ltd. (TX)

We recruited Vision Mortgage Company ( VMC ), XXXX XXXX XXXX proprietor ) to help us find a XXXX Home Equity loan with reasonable interest rates. We have at least $ XXXX equity in our Homestead property. We gave Mr. XXXX pertinent confidential/private financial information to accomplish this task. 
Without our written consent/knowledge/permission VMC began orchestrating his nefarious agenda by registering applications for other types of loans containing our confidential/private financial information. When asked for copies of the documents he registered with his lenders, he sent a " document he worked off of '' without ever providing what I asked. We were deceived with lies about the urgency of funds needed to circumvent a work stoppage and lies about our equity in both of our properties as the reason we didnt qualify for a Home Equity Loan. There are many instances that are suspicious. How did XXXX arrange 3 closing sessions when we, the borrowers, never completed an application requesting a loan from anyone. He refuses to provide any copies of the applications/approval of those requests for loans he registered with his lenders. He also deemed a business affidavit as incorrect, altered the document then notarized the document he created. He stated that his title allows him to do that. I have correspondence to show this but also the fact that he never sought to find low-cost interest rates to compare for a Home Equity Loan as requested so that we could decide how we wanted to proceed. He took advantage of my suffering XX/XX/XXXX XX/XX/XXXX XXXX XXXX and a XXXX during this time. While in recovery and rehabilitation, I learned VMC obtained a $ XXXX Personal Loan. This loan was structured to benefit the lender ( USURY ). This loan allowed the lender to pocket the escrow as interest. The way he arranged the loans, we are unable to use our equity for 2 years. 

There was no disclosure or Truth in Lending which includes the appearance of an unethical conflict of interest. Now that VMC got away with the first loan, they have introduced another personal loan to rectify the irregularity as to avoid foreclosure on the first loan. We immediately declined to close on this pre-planned loan. 

VMC should be held accountable for their outright lies, deceit and unethical behavior.
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: Experian Information Solutions Inc. (TN)

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

i have tried to resolve this issue with EQUIFAX for a while now but it is no resolution. I had provided some required documents that they have wanted for a week now and everytime i call they are always asking for THE DOCUMENTS THAT i already provided they have not added that to my account. in addition, they are failing to let my login to MY EQUIFAX account to see my information it always give me an error message stating to call customer care. i have been dealing with this issue for 3 days now and it still has not been fixed. this is the worst company ever which needs to be investigated every consumer has an issue with EQUIFAX and this is getting ridiculous.
Consumer complaint received 2022-04-06
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: ALLY FINANCIAL INC. (TX)

FRCA Violation credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc. (AL)

I sent a letter to Merchants Adjustment Service to validate an account they are reporting on my credit report with XXXX XXXX XXXX XXXX. The certified mail letter was received by Merchants Adjustment Service on XXXX via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Merchants Adjustment Service, the original contract from the original creditor that the collection agency should have on file, a record of the payment history, etc, which I requested in the letter. The information being reported on my credit report is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.
Consumer complaint received 2022-10-11
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. (MI)

I contacted Equifax regarding incorrect information on my account back in XXXX and most recently ( XXXX XXXX. On multiple occasions, I was asked by the credit bureau to validate my identity using a secured link to send a copy of my driver 's license and social security card. The link provided never works and when I asked for alternate verification methods, I was asked to verify my identity using incorrect information on my consumer report. When I stated to the agents on numerous occasions that the information is incorrect, I have been hung up on or told " we can not help you ''. I was instructed yesterday to fax my documents and they would process it within XXXX hours. Upon sending the documents via fax, I contacted the company ( Equifax ) who told me they would not process the documents until XXXX days and they wouldn't update my information until 30 days later. 

In addition to being part of the XXXX XXXX XXXX, I was not able to update my information last year due to the same issues experienced yesterday. I asked for a supervisor and my request was denied and then told " we are unable to help you. We also will not file a complaint on your behalf ''. This company is malicious and does not help their customers.
Consumer complaint received 2021-02-06
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: Security Credit Services, LLC (IL)

SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY SECURITY CREDIT SERVIC. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.
Consumer complaint received 2021-02-06
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. (NV)

As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

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 2022-06-03
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. (AZ)

In accordance with the fair credit reporting act XXXX XXXX Account XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a 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 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC (AL)

I sent a letter to Mountain Run Solutions to validate an account they are reporting on my credit report with XXXX XXXX. The certified mail letter was received by Mountain Run Solutions on XX/XX/2020 via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Mountain Run Solutions, the original contract from the original creditor, a record of the payment history, or proof that the collection company is registered and licensed to collect in my state, which I requested in the letter. The information being reported on my credit reported, mainly the balance, is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Fraudulent unauthorized withdrawal from my XXXX SC Bank of America checking account. this withdrawal accord in a Bank of America Branch located in XXXX XXXX address is XXXX XXXX  XXXX SE XXXX. The withdrawal amount was {$500.00}. 

I live in XXXX SC XXXX my phone number is XXXX and my email address is XXXX XXXX
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (VA)

After reviewing my credit report, I noticed a collection that I previously told 1st Crd Srvc. Was not mines. They then without any other action reported this debt as being mines. Completing violating both federal and local laws. Before I file a small claims suit against this company for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

EXPERIAN HAS FAILED TO REMOCE THIS XXXX  ACCOUNT EVEN SHOWING PROOF ITS PAID FOR IN FULL AND SHOULD BE REMOVE IM GOING TO FILE A LAWSUIT. I SENT THEM A COPY OF THE LETTER JUST LIKE I SENT IT TO THE OTHER COMPANIES THAT REPORT DATA AND THEY FAIL TO REMOVE IT
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal close my account for no reason. I am very frustrated because I cant widraw my money. This money is for my XXXX  XXXX. I cant start again.. this is my paypal account XXXX XXXX
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (MO)

I disputed a debt on XX/XX/2022 in both email and by certified mail. I indicated a failure to complete my request would result in the claim not being considered. I received nothing in return from this company. Nothing matching any of the reference or account numbers listed on the original contact from them. 

Now I have received a collection letter for the same debt, from a different debt collection agency, who they have seemingly sold it to after failing to validate it. Unacceptable. These new letters also reference nothing related to me. 

Upon further XXXX, the original company has gone out of business.