davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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. (NY)

I have been trying to reach out to XXXX XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. I have false and inaccurate information on my credit report. Through the credit bureau XXXX and TransUnion.I requested that XXXX XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by XXXX XXXX. My payments were covered through the insurance policy. Which left me with a XXXX balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. XXXX XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. I also contacted XXXX  and TransUnion to inform them that there is fraud and inaccurate information on my credit report. From the creditor, XXXX XXXX. I requested that this account be removed from my credit report. XXXX  's and TransUnion investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. I requested that the method in which XXXX and TransUnion used to validate the validity of this account, be sent to me in writing. XXXX  or TransUnion never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. How could XXXX or TransUnion verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by XXXX  or TransUnion.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. TransUnion has not noted in the comment section of my credit report that I have disputed this account. Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding XXXX XXXX, that is listed on my credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with this information or delete this account from my credit report. Thank you, XXXX XXXX
Consumer complaint received 2022-12-30
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. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-07-03
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with personal information listed under TRANSUNION and validation was requested as this was personal information that I did not recognize. I reviewed my credit report and I have not received any correspondence from credit bureaus to validate this personal information as correctly belong to me nor has my credit report been updated to reflect that the credit report is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates. The credit report continues to negatively affect me. Please strike and remove this address, phone number and employment from all 3 credit bureaus until adequate validation has been received proving that the personal information belongs to me and all information is correct.
Consumer complaint received 2020-07-03
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. (TX)

XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed Opened DateXX/XX/2017 Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2017 Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2018 Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX  XXXX XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/2017 Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago
Consumer complaint received 2020-07-03
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. (NY)

I have submitted previous disputes to XXXX, Transunion and XXXX on the following dates : XX/XX/20 ; XX/XX/20 ; XX/XX/20 ; XX/XX/20 and XX/XX/20 to update my personal information ; remove all previous addresses, all other names know to only reflect my current address and submitted a copy of my driver 's license and utility bill as proof of my residence. 

I have submitted previous disputes to all 3 credit bureaus to address hard inquiries : XXXX  is the only one who actually addressed the process. Transunion and XXXX   have not anything to address and or resolve this remedy of updating my personal information : of previous addresses, names, and hard inquiries which is impacting my credit worthiness. Transunion has not followed up on dispute on an alleged collection account and sent in 3 disputes to address this matter ; I have also sent 3 disputes to XXXX  of an alleged collection account to reported updated but nothing has been updated. I have provided evidence from XXXX & Transunion Credit Reports as well a 3 bureau credit monitoring services from XXXX XXXX to show further evidence of Date of Last Activity, ( DOLA ), Date of Last Reporting, ( DOLR ) which the bureaus are failure to utilize in my disputes. I have placed screen shots and even highlighted the inaccurate information to provide factual disputes to better my chances to have inaccurate information removed from my credit report. 

I am asking assistance from CFPB to address this matter and hope my resolution to have all inaccurate information removed from my credit report using factual disputes to remove these inaccuracies of my credit report to make myself more credit worthy.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late 3/4/4 Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened DateXX/XX/2017 Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2017Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2018 Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Open Opened DateXX/XX/2017 Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago
Consumer complaint received 2023-04-03
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. (TX)

Experian is reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender which was already reporting on my credit report. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Consumer complaint received 2023-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (NY)

This attorney illegally took my state refund for a debt they purchased from XXXX. XXXX still sends me bills, This collection agency sent it to a XXXX, they went to court, had a writ of garnishment filed. I disputed it stating its credit card debt, they withdrew the writ of garnishment but still have my state refund. 
Original debt is. XXXX XXXX took XXXX saying I still owe XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I was declined for a short sale when the loan transferred to Selective Porfolio Servicing Inc in XX/XX/XXXX. The company claim the short sale was declined because the buyer did not meet the $ XXXX, the company BPO had as the value. We requested a full interior appraisal this was not completed until XX/XX/XXXX .The amount came back at $ XXXX which met the company standard. The FCL sale date was placed on hold and we submitted another short sale packet on XX/XX/XXXX. The file was reviewed and returned for missing documents on XXXXTthe 3rd party send the missing documents on XX/XX/XXXX. Myself and the 3rd party called once a week and agents told us the file was being reviewed. On XX/XX/XXXX a supervisor apologized and explained they never looked at the file because they did not realize they had the missing documents. This is 2 weeks without reviewing a file. They asked for more missing documents on XX/XX/XXXX we sent the missing documents on XX/XX/XXXX. We sent a updated HUD and HOA, There is a cash buyer and we understand the appraisal will expire if we do not get the file reviewed and approved ASAP. We called again and the agents kept saying the file is being reviewed. On XX/XX/XXXX They claimed they received all documents but it takes 30 days to give a approval. I explained time is of the essence. Due to the fact the appraisal is expiring and every month the HOA bill goes up. NO SHORT SalE takes 30 days to be reviewed if they have all documents. I spoke to a agent today. She said they need a updated HOA again after we sent the company 3 since XXXX They want to order a BPO because the appraisal is expiring. This company want to send me in foreclosure when I have a cash buyer and have been doing what is asked of me. I have spoke to agents from the company once a week you can check the notes. I have emailed the documents several times and the company is not reviewing the documents. Spoke to a agent today she asked for a updated HOA. I explained we sent on XX/XX/XXXX she reviewed it and said she will send to underwriting. The company was sitting on the HOA statement they requested for over a month it is XX/XX/XXXX.
Consumer complaint received 2020-07-03
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. (TX)

I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX. The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas for fraud and stolen items. Report number XXXX
Consumer complaint received 2020-07-03
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. (TX)

Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX filed ftc 45 days ago