davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are 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 items below in my file : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX : {$720.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$260.00XXXX XXXX XXXX XXXX XXXX  : {$240.00} XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX  {$720.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-03-11
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. (TX)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (LA)

On XXXX there was forced placed insurance place on my loan which was then with XXXX Bank. My loan was then sold to XXXX XXXX and is serviced by SST. I have been back and forth with SST and XXXX  to get a credit for the forced placed insurance. I had a lapse in coverage from XXXX thru XXXX. That short period of time does not justify {$11000.00} of forced placed insurance being added to my loan. I call and correspond with SST and they tell me to contact XXXX. I call XXXX  and they tell me to contact SST. 
XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX -sent email to SST & XXXX XXXX XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( told to call XXXX  ) XX/XX/XXXX - called & emailed XXXX  XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( Credit Disputes Department ) XX/XX/XXXX - sent email to SST XX/XX/XXXX - Called SST ( 3 way call with XXXX  ) XX/XX/XXXX - called XXXX  XX/XX/XXXX - called XXXX XX/XX/XXXX - Calle XXXX ( told to call SST )
Consumer complaint received 2023-01-12
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. (GA)

In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) 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
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

According to the XXXX credit reporting act 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, amd a respect for the consumers right to privacy. XXXX XXXX and experience are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under title 15 USC 1681 section 604 ( a ) states that, In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX experian XXXX  ( Furnisher of information to credit agencies ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent weither it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that, A financial institution may not disclose no public personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my no disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) A states 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. 15USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 12 CFR 1061.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Consumer complaint received 2023-01-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and committed fraud on my personal information by attempting to collect a Debt that was not owed by me through the use of a third party Debt collection agency, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with the above creditor, have a credit card with them, nor have I ever done business with or owe them a financial debt. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

I am very frustrated. My mortgage company ( PennyMac USA ) offered the CARES Act mortgage forbearance when all the COVID-19 craziness happened. We were overwhelmed, stressed, scared and thought this was simply a kind hearted gesture to give relief during these unprecedented times. 

I missed one payment ( XXXX ) under this plan. I received an email that stated when I came out of forbearance that this one payment would simply be automatically added to the end of my loan. I called to verify and was assured that yes, that would be what would automatically happen with no negative impact to me. 

I called today to make the XXXX payment and let PennyMac know all payments would now be made and that the XXXX payment was the only one needing to be added to the end of the loan. 

I spent over 30 minutes on the phone with a representative who told me that I would owe over {$3000.00} in XXXX ... my monthly payment is {$1300.00}. I immediately questioned this as this went against what I was told. She then told me I had to set up a payment plan. She told me I have to pay my regular {$1300.00} payment PLUS {$1900.00} for XXXX, XXXX, XXXX, XXXX and XXXX How does a missed {$1300.00} payment equal {$9500.00} ( {$1900.00} for 5 months )??? 

I again stated what I was told about PennyMac automatically adding the ONE missed payment to the end of my loan. 

She said a Loss Mitigation Agent now needs to contact me. 

So now I am INCREDIBLY stressed ... feeling like I NEVER should have accepted this offer of help because it is now so NOT going to help me!!!
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (IL)

UNLAWFUL REPORT OF LATE PAYMENTS To Whom This May Concern, I have a credit account with KICKOFF LENDING LLC that is reporting four late payments in month XX/XX/2022 through XX/XX/2022. I am requesting these four late payments be changed to fix because the reporting of these late payments are not supposed to appear on a consumers report. According to 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am also notifying this credit reporting agency that it is prohibited to report information with actual knowledge of errors, according to 15 U.S. Code 1681 s-2. This is unlawful and my four late payments need to be immediately adjusted to OK as the duty of data furnishers is to provide accurate information.
Consumer complaint received 2023-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

Hi There, My name is XXXX XXXX XXXX. On XX/XX/XXXX I chose to have my adult son XXXX XXXX XXXX join me in the ownership of XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. My Son was put on the mortgage for the soul purpose of his SSN # on the XXXX to replace mine because I am XXXX and over XXXX & don't have a tax return so my Son XXXX XXXX XXXX. We had informed loan depot before we followed through with the loan that XXXX was to declare the interest with his XXXX #. I didn't find out about them not honoring what my Son and I agreed to with this company until I received the XXXX and when i contacted XXXX XXXX on XX/XX/XXXX @ XXXX, he informed me " Because my name was first on the loan and deed they automatically put the XXXX in my SSN #. I informed him the reason for the loan was for XXXX XXXX XXXX XXXX # for interest purposes and your staff told my XXXX & I they could do that so we never thought twice till I printed out the XXXX & was shocked to my SSN # instead of my sons. This is Loan Depot issue to mix and i will not do any assumption for something they messed up on. It shouldn't matter who's name is first. 
If you'll need any other documentation just reach out Sicerely XXXX XXXX ( mom ) XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-01-12
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. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : 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  15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CO)

All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXX, XXXX
Consumer complaint received 2023-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MS)

Their website is not user friendly and contacting them is sketchy. My info was also sold to another company associated with them. They sent me offers saying how the two cards went together, continuing to always pop up as soon as I logged in to make payments. I get weird energy when dealing with this particular credit card company. Then with my payments. On their website its reflecting that Ive paid and doesnt reflect on my account. So Im really ready to pay them off because nothing is accurate with the info that I try to confirm on their website and even when Ive called. They tell me that my late fees were cleared and Im in good standings but then going back my credit report and the website. Its something different. This is the only credit card that I am having issues with. I dont understand why Im being played with when this is my credit we are talking about. They have a responsibility same as I when they lent the money on a card for me. These issues have caused my credit score to go down by XXXX points because they are not effectively communicating to me & money is not being pulled when it says it is. Im getting so frustrated. I just want someone to help me with the next steps please. Whats next???
Consumer complaint received 2023-02-05
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. (SC)

My name is XXXX XXXX i have disputed these items on my credit report going on for 6 months no. I have contacted the credit and TransUnion about these fraud accounts XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX US Bankruptcy Court of XXXX Docket # XXXX
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX -or- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX -or- XXXX  Fraud Victim Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identityA copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-02-05
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. (PA)

TransUnion is reporting a collection from XXXX XXXX XXXX that I didn't sign for!!!!! 
they are also reporting the collection as an open account and a balance that changes often!!! 


XXXX is reporting 2 late payments to my report I disputed the child support ones from XXXX there are almost 15 of them but I have had a wage attachment from my job since XXXX I sent them proof of this with my paystubs and sent more than 4 letters nothing has been done the second late payment was for a credit card I was out of the country on a personal family emergency my sister was killed in XXXX I tried to transfer money to pay the statement bill it wouldn't let me because I was out of the country they thought it was fraud i understand that but not my fault
Consumer complaint received 2023-02-05
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. (SC)

My name is XXXX XXXX i have disputed these items on my credit report going on for 6 months no. I have contacted the credit and TransUnion about these fraud accounts XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX US Bankruptcy Court of XXXX Docket # XXXX