davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (VA)

XXXX, XXXX, TRANSUNION Reported Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the XXXX major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX stations managed by XXXX.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 
Please delete the following accounts and inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Couch Lambert LLC (TN)

COUCH, CONVILLE & BLITT LLC ( Couch and Lambert ) allegedly representing XXXX XXXX  has continuously been harassing and oppressing me by bringing me back and forth to court trying to sue me on an alleged debt. The first time I was brought to court was XX/XX/XXXX XXXXThe Judge ended up dismissing it without prejudice because during the hearing I told the Judge that I sent a debt validation letter and no one ever responded. I also sent a cease and desist. so the Judge dismissed it but he also warned me they can bring me back within a year. Fast forward XX/XX/2022 I was served with a subpoena to appear at court on XX/XX/2022 I went to court and no one was there. I went to the clerk and she stated that the Judge do not have court on that particular day, so she gave me another court date and suggested I mention the incident to the Judge when I come back. I went back to court in XX/XX/2022 I was taken into a conference room to negotiate payment with Im assuming an attorney, I told him that I sent a debt validation letter and never got a response. we then went in front of the Judge. I explain to him what happened and that I had been here before and it was dismissed because of the exact same thing, not responding. The lawyer asked the Judge for more time the Judge granted him more time to send me the debt validation request. a couple of weeks later I was sent false and misleading statements. I sent another certified letter to the law firm and told them the statements were false and misleading along with a cease and desist. fast forward to XX/XX/2022 went back to court, went into a conference room with some one allegedly representing the law firm, she claimed that we could not see the Judge because her witness could not come due to covid and she wanted to reset it.. I told her that I can not keep missing work and that this is affecting my job and my mental health. she insisted that I could not speak to the Judge and she perceded to give me another court date. she told me two different dates and I ended up recording the wrong date. I showed up XX/XX/2022 just to find out it was actually XX/XX/2022 and I had a default judgement against me because I didnt show up. I had to file a motion and pay a fee to get another court date. My court date was set to XX/XX/2022. I showed up and the attorney said that he is not ready for a hearing because his witness could not come. He asked the Judge to reset it to XX/XX/2022. Couch and Lambert has oppressed me trying to collect an alleged debt by dragging me in and out of court, Couch and Lambert is in violation of the The Fair Debt Collection Practice Act
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (NJ)

Account ending in XXXX XXXX i paid XXXX to XXXX to pay mortgage through XXXX XXXX XXXX XXXX XX/XX/XXXX - An automatic payment was pulled to pay mortgage to XXXX for XXXX by accident. Making my account in the negative for insufficient funds I realized i made a mistake and called to cancel this payment. This payment was returned on XX/XX/XXXX as a returned item {$1400.00}. I cancelled the payment via online and asked the XXXX  rep that I was speaking to at XXXX XXXX  to cancel payment on his end. He said he will do his best. 
XX/XX/XXXX money was re pulled to make the payment but there was ins officiant funds. All these transfers match up on my checking account equally so that my payment was good for XXXX. 

in XXXX I received a letter from XXXX that I missed my mortgage payment. I didn't understand what happened... Through lots of phone calls and conferences between XXXX XXXX and Fiserve it was found that XXXX returned the {$1400.00} on XX/XX/XXXX due to me being short {$5.00} of my payment. For some reason Fiserv never credited my account for that money. My bank account still does not show this return. Fiserv said the money was theirs and I don't need to show the action on my account because they put the money out for me supposedly. We went back and forth for a while tracing numbers and phone calls with TD ( XXXX a XXXX at XXXX XXXX  ), fiserve, XXXX XXXX XXXX. Several cases were opened. In XXXX I received two letters. One letter stating that the {$1400.00} will be returned to me. The other stating a solution was resolved. The {$1400.00} was returned to my account in XXXX and I sent it to XXXX on XX/XX/XXXX to make up for the XXXX missing payment. Which I thought was the right thing. 

In XX/XX/XXXX, months after I thought this was resolved. I recieved nasty calls from a collection company saying they represent fiserve and i owe XXXX due to a payment from XXXX After going back and forth I explained that this was cleared up and I don't owe any money, It was a clarical error on XX/XX/XXXX that was lost and cleared up in XXXX. 

Since this time Fiserv has not been cooperative. I asked for a written statement of what they are saying. I have tried to get XXXX  to help me with handeling this situation but every time I call it is a new representative and every person interprets the siduation differently. Now Fiserv has put my account on hold. I can not make any payments for my mortgage nor other credit card companies.. I can't access my bill pay addresses until they get thier money. I do not feel I owe money. I feel this was a document error. XXXX  approved that it was wrong and refunded me the money. If I needed to pay Fiserv in any way shouldn't XXXX  and Fiserv have communicated that in a letter??
Consumer complaint received 2023-12-03
Product: Credit reporting 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. (GA)

Equifax is causing harm to my consumer report by not accurately reflecting my consumer credit score. Equifax is in the business of furnishing consumer reports based on my relationship with my creditors. My creditors have stated and Equifax that they are reporting accurate information if that is so why is there no risk score available if based on the same information the other XXXX reporting agencies have. 
credit score Primary tabs A credit score is a number between XXXX and XXXX that serves as a numerical representation of a persons creditworthiness. The higher the score, the better an individuals chances of securing a loan since a higher score suggests a greater likelihood that an individual will repay a loan on time. 

The score is calculated based on an individuals credit history, which includes the number of open accounts the individual has, his/her repayment history, and the amount of debt the individual has ( see also credit report ). 

The XXXX score, created by the XXXX XXXX XXXX, is the most commonly used credit scoring system and is currently used by 90 % of top lenders. 
credit report Primary tabs A credit report is a detailed written account of a consumers credit history, as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses, Social Security number, and employment history ) as well as their history of loans, credit cards, bills, accounts, payments, bankruptcies, and credit searches. 

Lenders use credit reports to determine each loan applicants creditworthiness. In order to obtain these reports, lenders are required to follow the procedures laid out in the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that each of the XXXX credit report bureaus ( Equifax, XXXX, or XXXX ) must supply consumers with a free credit report once a year. The XXXX also entitles consumers who are on welfare, unemployed ( and seeking employment ), victims of identity theft, or subjects of adverse action ( such as denial of credit, insurance, or employment ) to a free credit report from each of the reporting agencies. 
XXXX XXXX XXXX XXXX is the acronym for XXXX XXXX XXXX, as well as the name for the credit scoring model that XXXX XXXX XXXX developed. A XXXX credit score is a tool used by many lenders to determine if a person qualifies for a credit card, mortgage, or other loan. XXXX scores also determine the interest rates a person would pay or their credit limit. Higher scores generally correlate to a better likelihood of getting a loan, and better interest rates for those loans. Scores range from XXXX to XXXX. A score below XXXX is deemed poor, and persons with this score are viewed as risky. A fair credit score is any between XXXX, good between XXXX, and very good for XXXX. Those with an XXXX or above are deemed exceptional.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX opened an account on XX/XX/year> for the amount of {$890.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (TX)

XX/XX/XXXX contacted Gregory Funding regarding taxes not paid and return of my escrow monies. They had not paid my taxes when they took over the loan on XX/XX/XXXX per documentation attached. There was enough in escrow at that time as the escrow was also transferred. I contacted Attorney XXXX XXXX and she had a hard time communicating with them as they were telling her she could not speak on my behalf even with me in the room giving permission. She was told in Texas that is against the law. However I did send them by fax, mail and portal a third-party authorization letter. Even with the letter they refused to talk to her. Our main thing was to get the taxes paid, find out who is my mortgage lender since Gregory Funding states they only service the loan, and return my excess in escrow funds. GF finally paid the taxes a day before legally Texas could of placed my account in foreclosure as they knew it would take a day or XXXX to process. Gregory Funding is very hard to contact. At XXXX am I am the XXXX caller. XXXX XXXX from Gregory Funding said my escrow would be in review in XX/XX/XXXX, however, that is over a year from having my account transferred to them. These people are not professional, and told me " well the taxes are paid now, everything is okay '' as if I was just to accept when they paid and be quiet. Also Gregory funding stated that XXXX held my mortgage, but they would not respond to attorney 's inquiry. Copy of attorney 's email to them is also attached. I also make additional payments to principal, but they put all extra monies into escrow and what they call an undetermined account. If I ask for monies to go to a specific place i.e. principal, then that is where they should go.
Consumer complaint received 2022-05-06
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: EQUIFAX, INC. (AR)

I looked at my report after trying to get approved for a mortgage loan. The company denied me and I was appalled because I haven't used my credit much and when I did I kept good records with everyone. I submitted a complaint for identity theft and attaching the document below
Consumer complaint received 2022-05-06
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. (WY)

XXXX XXXX XXXX at address ( XXXX XXXX XXXX XXXX, IN XXXX ) has been sending me collection notices in the amount of ( {$420.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : XXXX XXXX XXXX, and 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 a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-22
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 any consumer reporting agency WRITTEN CONSENT to report anything 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!
Consumer complaint received 2023-07-06
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I sent a certified letter to LexisNexis stating the issues with the errors in my file dealing with two bankruptcies and asked them to delete them. It has been more than thirty days and they have not responded.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (NY)

I have inquires that i have discovered on my report. I sent a letter on XX/XX/23 about this dispute and nothing was corrected. I disputed these inquiries with Experian because they were never authorized by me and there is no proof that I authorized these inquires. Experian was unable to verify. This is a violation. My credit report is supposed to be reporting with 100 % maximum accuracy. I demand these inquires be reinvestigated and removed from my report. I am very disappointed in Experian 's service. We are supposed to trust them to do their job correctly. I have attached all the inquiries and necessary documents.
Consumer complaint received 2022-07-15
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: Avant Holding Company, Inc. (FL)

I recently just paid my AVANT credit card balance down to {$0.00}. On XX/XX/2022, I received XXXX unexplained credit transactions from XXXX different names that I never heard of. The names showing up on my billing statement were XXXX XXXX and XXXX XXXX. Both charged me for the amount of {$95.00} each thus totaling {$190.00}. I tried to call AVANT XXXX XXXX about the problem several times but no one answered or returned by calls. The reference number for both transactions are the following : ( Transaction A ) XXXX ( Transaction B ) XXXX
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-07-06
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: Westlake Services, LLC (TX)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-07-29
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. (PA)

In accordance with the Fair Credit Reporting act 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