davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (RI)

We are currently working with a lender called XXXX XXXX XXXX  as well as a realtor for us to be able to do a Short sale on our home and continue to live there with our children however SLS and XXXX XXXX XXXX could not come to an agreement on the terms of the Short Sale. On XX/XX/XXXX SLS gave an approval for a short sale. from that time SLS and XXXX were sending emails back and forth with counter offers to each other until XX/XX/XXXX the XXXX approved a SS for the amount of {$4800.00}. However SLS stated that XXXX should only accept an offer of {$1900.00} as they claim that the agreement for the XXXX is to receive 10 % of the second lein holder 's principal balance. XXXX will not budge stating that there is no written agreement or regulation from the US treasury department that oversees all lenders about this issue. On XX/XX/XXXX SLS hostated that XXXX does not have to participate in the short sale and they are given the opportunity to receive a small compensation on their loan that would be Quashed in a foreclosure.Again our agent stated that this is wrong information because if the second lein holder does not participate then the property will never have a clear title. I have all the corresponding emails and am hoping someone can help us with this. We just want to live in our home with our children and have this resolved. We are stuck in the middle and the stress it is causing has affected us mentally and physically. Please reach out with your guidance. Sincerly, XXXX XXXX
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (GA)

Filed a complaint against XXXX on XX/XX/XXXX, for inaccurate reporting to the CRA, particularly XXXX. Until then, this issue has not been resolved. Nor has XXXX provided verification and validation of such debt. I am requesting immediate action on this item by informing the company to cease and desist from reporting inaccurate information to my credit report. This violates the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, not to mention Defamation of Character. I have been a victim of identity theft and have been fighting since XXXX to keep my file updated. Hence, I am taking a vigilant approach to protecting my credit report and XXXX score, which as of a couple of days ago was 755. Because of this erroneous reporting, my XXXX score has dropped 60 points. Reporting the medical collection also violates my HIPAA rights as I do not and have not ever had a medical account with Paramount Recovery Services.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kingston Data & Credit International Inc. (FL)

Kingston Data and Credit began reporting an account to my credit report with an open date of 2019. At no time did I ever open an XXXX XXXX Account in 2019. Also, at no time did Kingston send me an initial dunning notice. Upon identifying the account on my credit report I made MULTIPLE attempts to contact the agency which was a nightmare in itself. For weeks I called and could not get anyone to answer the phone, I left multiple voicemails and no call back. I disputed the account with the credit bureau ; however Kingston removed the account from only 1 reporting agency. I called the agency and was able to get someone on the line. I have so many concerns after speaking with the rep and Kingston needs to immediately pull their agents off the phone and conduct compliance training. The agent told me the account was only reporting to 1 CRA because the account was a states account and not in XXXX... I quickly corrected her but she seemed so confused and uneducated on what she was even talking about that it was frightening. The agent failed to advise me the call was being reported or provide me the XXXX XXXX. There is a lack of adherence to compliance at Kingston and it needs to be addressed and corrected.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX  BALANCED {$700.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} DEPT OF EDUCATION/XXXX  XXXX XXXX {$3800.00}
Consumer complaint received 2022-06-27
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. (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 XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Portfolio Control Inc. (CO)

I had a lease with an apartment complex that i was unable to complete.due to my job and lack of work. I spoke with them and worked it out that I would leave the place early. Leave it spotless and they would keep my deposit and get it rented out asap. Now i see a collection on my report for that of XXXX. I have not recieved notice of the collection and the company won't listen to what i tell them about what i worked out. Please help me remove this from my report. It should not be there and it is causing me to not be able to get a good rate on loans. thank you for your help in this matter.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (CA)

XXXX and or XXXX XXXX XXXX XXXX these accounts were properly investigated and came back as verified. However how is that true when there are several inaccuracies on my report? As a consumer I request to know all the steps your agency took to insure items were 100 % accurate under 15 USC 1681 ( 7 ) method of verification description of reinvestigation procedure. 


Account Name : XXXX ( 7 line items ) Account Number : XXXX Company does not have a Surety bond and is not lawfully collecting debts in the State of Texas nor California Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Wet ink Signature provided was not my signature but yet they still try to pursue this debt even though I have provided police report. Company does not hold Surety bond in Texas or California and still reporting this debt on my report. The company has passed the statute of limitation on debts that are not even mine and should not be reporting on my credit report..
Consumer complaint received 2024-09-17
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. (TX)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC. (PA)

My employer uses OptumBank to manage XXXX account funds. They charge a {$1.00} quarterly fee for any mailed statements. In early XXXX after receiving my first quarterly statement and noticing the fee, I changed my elections to online only. 

In XXXX I transferred the assets out to another custodian that I prefer, and they closed the account without my permission. I complained at that time about the closing and they reversed the closure on XX/XX/XXXX. 

In doing so they did not restore my preference for online statements and defaulted back to mailed statements which caused a second {$1.00} fee to be assessed on XX/XX/XXXX.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-22
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: Prince Parker & Associates (CA)

XXXX and or XXXX XXXX XXXX XXXX these accounts were properly investigated and came back as verified. However how is that true when there are several inaccuracies on my report? As a consumer I request to know all the steps your agency took to insure items were 100 % accurate under 15 USC 1681 ( 7 ) method of verification description of reinvestigation procedure. 


Account Name : XXXX ( 7 line items ) Account Number : XXXX Company does not have a Surety bond and is not lawfully collecting debts in the State of Texas nor California Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Wet ink Signature provided was not my signature but yet they still try to pursue this debt even though I have provided police report. Company does not hold Surety bond in Texas or California and still reporting this debt on my report. The company has passed the statute of limitation on debts that are not even mine and should not be reporting on my credit report..
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-22
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX - Transunion XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX, XXXXXXXX XXXX  Account # XXXX - Transunion XXXX XXXX  Account # XXXX - XXXX XXXXXXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Transunion XXXX XXXX Account # XXXX - Transunion USDEPTOFEDXXXX Account XXXX XXXX XXXX XXXX USDEPTOFED/XXXX Account # XXXX - XXXX XXXX Account XXXX XXXX - XXXX DP OF EDUC Account # XXXX - XXXX DP OF XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - Transunion XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX Account XXXX XXXX - Transunion XXXX XXXX XXXX Account # XXXX - XXXX XXXX  Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-22
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. (NY)

On XX/XX/XXXX i sent a letter of dispute and an investigation request to the 3 credit bureaus in order to remove incorrect informaiton as well as incorrect late payments reporting from my credit report. I tried once before to dispute online but i didn't know how to doa factual dispute. This time I did send them a copy of my 3 bearues credit report and marked few inaccuracies for them to investigate. Each one of the credit bureaus opened an invastigation and closed it in a few days after without investigating at all. I decided to call each one of them to let them know that they didnt do any kind of investigation and they open a new one for few more days with unsatisfied results again. The 3 burueas are violating my rights and breaking many FCRA laws by ignoring them completely. By law they have to report % 100 correct information in all 3 bureas and if they don't then its ground for removal. I tried a few times to ask them and showing them the inaccuraies and the violations they have without a respound. On top of all that, they changed on one account the payment history, so mounts that were marked as paid before now shows " late '' and the other way arround. They add one more late payment on XX/XX/XXXX that wase n't there before so they made my situation worse. The credit bureaus stated that my account was properly investigated but how is that possible if on account # XXXX the open date is inaccurate, high credit is inaccurate, last reported date is inaccurate, date last active inaccurate and the date of last payment also inaccurate. On account # XXXX date opened, terms, last reported, last active and last payment also are incorrect and the payment history incorrect and inconsistent. They violating my rights under 15 U.S.C 1681 section 602 A states i have the right for privacy. 15 U.S.C 1681 section 604 A section2 states : a consumer reporting agency can not furnish an account witout my written instructions. according to 15 U.S.C 1681 everything has to be % 100 accurate and i have the credit report showing inaccuracies. 15 U.S.C 166bA creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.