davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent Trans Union the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Trans Union has refused to remove the said below account but removed other accounts that were sent at the same time. I am the individual whose credit file these items do not belong on. But Trans Union has allowed entities to place whatever on my credit consumer file my privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone at Trans Union tells me about their policy and their rights all while Im speaking to someone overseas about my account though Transunion is based in the United States. I am requesting that I be sent an updated account after the removal of the said accounts below as well as my credit score. Please send me a copy of my credit score for free. 





XXXX. XXXX. Amt {$3900.00} Acct # XXXX CFPB # XXXX XXXX Acct. # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX All these errors, violations and fraudulent entries are grounds for permanent removal. In association with these companies fraudulent reporting statements, my credit score has plummeted and caused me distress, lost of income, credit denials and lost of business opportunities. 15 U.S.C. 1681 section 602 A. States I have a 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. I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Trans Union please see the CFPB report you already have in your possession in your fraud department with this information which coincides with the CFPB reference number provided inside of this letter. Once again Im sending this to you and it should be resolved by tomorrow the XXXX extra information was just sent to you on the first of this month thats all so please do not try to open another dispute. 

Please provide me with your registered agents address. Thank you
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-28
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. (NY)

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 year old daughter PLEASE HELP ME PLEASE im depressed   now.with no help.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian failed to verify accuracy and violated my rights and continue to do so by falsely stating they verified with proof requested. Moreover, Collection agency is not licensed in WA state.

15 USC 1692g - Failure to provide debt validation. 15 USC 1692c, 15 USC 1692e, 15 USC 1692g : False statement and representation. Failure to verify assignment contract, purchase agreement and legal ownership of debt. FDCPA, FTC and FCRA violations. 

XXXX XXXX XXXX not licensed in WA state and therefore is illegal!
Consumer complaint received 2022-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (CO)

Member # XXXX, In regard to the continuing saga of trying to get XXXX XXXX market CD released, I have an appointment with a lawyer on Monday to try to have these funds released. I dont know what will happen, but if you get a letter from an attorney, you will probably turn it over to a large legal team that will stall this matter in court for ever. However I might not have any choice because of your lack of cooperation so far. I am hoping Pen Fed, worth XXXX, has the integrity to comply to this request of returning {$10000.00} to its rightful owner. 
We have been trying to get this money released since XXXX. 
To date at you or someones request we have provided PenFed with 2 XXXX, because the first one was not good enough. A letter from XXXX asking for her money, then the same letter notarized. Since her address and phone number are no longer valid, one of your associates wanted to talk to her on the phone from her bed in the rehab center. That got the money transferred to another account which does not help. We have provided your forms ; XXXX Agents Affidavit, XXXX, and Statement of Indemnity, XXXX. You have even been contacted by XXXX XXXX, an organization helping me to apply for Medicaid for XXXX. 
Your last email said that you wanted to review the XXXX, which you received on XX/XX/XXXX. If you have taken the time to do so, it has been a month since it was received by you. 
XXXX at the age of XXXX, fell in her apartment on XX/XX/XXXX, she had a XXXX XXXX and has been in a hospital or rehab for about a month and now because of accelerating XXXX, has been placed in a memory care facility, nursing home for the rest of her life. She is no longer able to communicate with you. 
In order for her to be accepted by Medicaid, she needs to exhaust all of her assets. She is in desperate need of these funds to continue care. I am appealing to you one last time before I meet with the attorney
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-28
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: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-19
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. (MS)

I informed the XXXX, Equifax, XXXX and each of the secondary reporting bureaus that I am a victim of identity theft. There are accounts on my file that do not belong to me. XXXX did resolve my complaint and removed the fraudulent items. The others have not. 15 USC 1681 c 2 says that a consumer reporting agency has to block and remove all information on a consumer file that resulted from an alleged identity theft within 4 days of receipt. My rights are being violated and I need assistance with this matter.
Consumer complaint received 2022-09-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (WA)

My name is XXXX and I am a XXXX by trade. My husband, XXXX, is active-duty XXXX and we are stationed at XXXX XXXX XXXX. We were promised a VA partial claim by our lender and they have denied us a partial claim and our attempting to modify our loan. WE NEED A PARTIAL CLAIM, PLEASE HELP. 
In XX/XX/2021, XXXX and I requested a Covid-19 forbearance from our lender because my employment was terminated due to lack of stability during the pandemic. When I contacted the lender they informed me that I would have three options at the end of forbearance if I was able to resume my monthly payments : 1 ) pay all at once, 2 ) make partial payments that are added to my payments for a set amount of months, or 3 ) file a partial claim with the VA where the VA assumes the missed payments and it is paid when the loan matures or the property is sold. 
We selected option 3 and were told that the VA would NOT modify our loan and we would not be forced to pay the money all at once. I made contact with the lender several times throughout the year and they maintained that there was partial claims being submitted. I was informed the week of XXXX by Midland staff that partial claim was still available and would be fine. 
After the forbearance started I took a job with a $ XXXX a year decrease. We have exhausted all our resources to get back into a good place and for me to start a new position that pays more than when I lost my job in XXXX. We are fully ready to resume our previous payment. 
I contacted Midland Mortgage in XXXX to inform them that we would be ready to make our payment in XXXX. Midland informed us that the VA gave us two options now : make $ XXXX payments to catch up ; or, have the VA pay the amount due and Midland would modify our loan and increase the interest rate to market value. THIS IS NOT HELP. THIS WOULD PUT US ON THE STREETS. 
We were told by the VA and the lender that our loan would not be modified and the amount would be covered by the VA until the maturity of the loan without penalty. Our current interest rate is XXXX and market rate is about XXXX, this increase would force us out of our home and likely bankrupt us. 
Please help us get what we were promised, a VA partial claim added to the loan without modification. My husband works every day serving this country and this is not the way that soldiers should be treated. Please help.
Consumer complaint received 2022-09-19
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. (CA)

On XX/XX/2022... 

The credit bureaus stated the following accounts were properly investigated : - XXXX XXXX XXXX ( Acct # : XXXX - {$690.00} ). 
- XXXX XXXX XXXX ( Acct # : XXXX Reported Amount : {$1300.00} ). 
- XXXX XXXX XXXX ( Acct # : XXXX - Amount : {$240.00} ). 
- XXXX XXXX XXXX Acct # : XXXX Amount : {$6500.00} ). 

How is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported in not accurate? This is grounds for removal. 

They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given these accounts written permission to furnish any of these accounts on my credit report as well.
Consumer complaint received 2022-09-28
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CT)

I received two notices from National Credit Systems , Inc . Both notices stated that I had until XX/XX/2022 to dispute all or any part of the debt and that I could do it by phone or mail ... Because I had received the notice days before the dispute deadline, I decided to call to issue my dispute on XX/XX/2022. On this date, I called with XXXX XXXX directly at ( XXXX ) XXXX and spoke with him... I informed XXXX XXXX that I was disputing both notices with reference numbers XXXX and XXXX and requested that he prove that i owd the debt by providing me with a debt validation letter and supporting documents. XXXX XXXX at the time asked for my email address and I informed him that I was requesting this information be sent by mail. XXXX XXXX then agreed to mail these documents to me, but to no avail. XXXX XXXX website also clearly states that National Credit Systems does not provide any correspondence via email. I later received another notice from XXXX XXXX of National Credit Systems statting that I haver not made a suitable arrangement to resolve my debts. On XX/XX/2022, I called XXXX XXXX again and informed him that I did not receive the requested debt validation documents ... XXXX XXXX went on to indicate that he did not have the documents but that I still owed the debt. I asked to speak with XXXX XXXX XXXX and XXXX XXXX ended the phone call. I tried calling back right after and was left on hold by XXXX XXXX for a long extended amount of time with no success of being connected to a supervisor or manager. I followed up with another phone to XXXX XXXX on either XX/XX/2022 or XX/XX/2022 and had an extensive conversation with him. I informed him I was disputing these debts and still wished to speak with his supervisor, again to no avail ... XXXX XXXX informed me he would again email me documentation and I informed him that his website clearly indicated that National Credit Systems did not communicate with clients via email. XXXX XXXX informed me that he would have his supervisor contact me that day but I have yet to receive a telephone call. These accounts have been placed on all three of my credit reports and have caused my scores to go down over XXXX per bureau. Because of this inconvenience, I have not been able to obtain the requested credit needed for myself and my family. I appreciate your assistance in helping resolve this issue.
Consumer complaint received 2022-09-19
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. (FL)

I NEED YOU TO ATTEND THE FOLLOWING SHOWING ITEMS IN MY LETTER WHICH CONTAINS DATA TAKEN DIRECTLY FROM MY CREDIT REPORT WHICH YOU HAVE PROVIDED PLEASE DELETE THE BELOW LATE PAYMENT YOU ARE SHOWING ON MY REPORT ACCORDING TO THE CONSUMER RIGHTS YOUR ARE VIOLATING MY RIGHTS. 15.U.S CODE 1666 - CORRECTION OF BILLING ERRORS RIGHTS 15 USC 1681B - PERMISSIBLE PURPOSE OF CONSUMER REPORT. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER - XXXX ACCOUNT STATUS - OPEN
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (PA)

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

15 U.S.C 1681 section 602 A ( section 4 ) : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( Section 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX and XX/XX/2022 for the amounts of {$1200.00} each month.
Consumer complaint received 2022-09-28
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.