davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (KY)

On XXXX, XXXX 2016 I was charged with a misdemeanor and had to pay a diversion fee of only {$200.00} and received no jail time. My background check states that I was sentenced to 45 days in XXXX and was on XXXX for 2 years and was charged {$400.00}
Consumer complaint received 2024-11-05
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Consumer complaint received 2017-10-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC (CA)

Around XX/XX/XXXX I contacted village capital current lender who I have a loan with now try to do a VA loan cashout.I have my VA appraisal and termite completed by another mortgage company they told me that everything was going to be completed and closing within 3 weeks.I have corresponded through hundreds of emails also to XXXX XXXX everytime he stated that I was approved on XX/XX/XXXX I was told that that the VA appraisal had got transferred and approved so that I would lose in 3 days.I let them know that my wife father XXXX XXXX in XXXX and needed to go to father XXXX.My wife did not make XXXX because they said she needed to be here to sign documents but nothing was completed. 
It was discovered after I spoke with loan proccessor XXXX that all the things the loan officer was telling me were all lies.XXXX stated that she did not have my XXXX, paystubs, VA pension paperwork, and wife information.I like that me and my wife were being lead just the loan officer can get commisson. 
I am a XXXX XXXX veteran and it is not right how these people can lie to people so bad.If they told me the truth I would not be so frustrated.I can forward copies of all emails.
Consumer complaint received 2024-11-05
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. (NY)

In it's clearest form, I submitted a Federal Trade Commission Report to TransUnion which identified XXXX fraudulent loans from XXXX XXXX. These XXXX accounts were criminally opened and TransUnion hasn't handled this situation well as a Identity theft victim. I hope someone in the identity theft unit will take immediate action to clear these XXXX fraudulent accounts. Thank you.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I received an email XXXX XXXX, 2017 to apply for a Delta Gold American Express card with no foreign  transaction fees, and if I spent {$3000.00} in the first 4 months of receiving the card ( which I did within 2 weeks of receiving mid XXXX ), I would receive XXXX airline miles into my Delta account. I have the email. I waited 2 billing statements but didnt receive the miles. After calling Delta credit card services and AmEx credit liaison supervisors several times, was given the its the other parties responsibility over and over. Finally I was told it was an internal problem with AmEx ; they issued cards to previous card holders and the promo was only for new card holders which I was. I was given complaint # XXXX on XXXX XXXX, XXXX by supervisor liaison at AmEx XXXX XXXX. I checked a week later as she suggested, was shunted around and no one was aware of this problem. It was once again the other parties problem. 

This is fraudulent advertising. I did everything right. I still do not have the XXXX miles. I have been a loyal Am Ex consumer since XXXX. My husband is a Platinum/Diamond Delta business traveler and we both have been loyal to Delta for our trips. No one is taking responsibility for this fraud. Please help. 

Thank you.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Information not removed from credit report after being paid or discharged in bankruptcy and credit each credit bureau is showing different information and different accounts to I have filed bankruptcy twice and I should not have any negative items on my credit report
Consumer complaint received 2018-01-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Kohn Law Firm S.C. (WI)

My student loan has been transferred to kohn law firm and I went to court over it and had signed and agreement to pay than I got some information thru a debt management that said I didn't need to pay because XXXX XXXX XXXX XXXX got a false lawsuit,
Consumer complaint received 2017-10-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (SC)

This debt from this company is 4 years old which was previously taken care of back in XX/XX/XXXX with my insurance, and now they've decided to place it on my credit in XX/XX/XXXX, which was outdated and never reported within the time frame of 60 days after the debt occurred. In fact according to the FDCPA is too old to collect on, being that interest is added to an old debt that should have been reported back in XX/XX/XXXX not 4 years later. I called and spoke with a rude representative who threatened that this would continue report to my credit even after I advised that this matter is incorrect. I am in the process of buying a home and this is hindering me from moving forward and it's causing emotional and physical stress. I am in the process of filing a lawsuit if we can't get this matter resolved correctly.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

A company calls at least twice a day attempting to collect a debt that I do not owe, I have talked to someone at least once a year and th ey tel m e they have my home phone number for someone else other than me, the company continues to call me year after year for the past 8 years. They stop calling fro m one nu mber then call from another number. At this point, no one answers when I pick up and I believe they are robo-calling, it is annoying and I now believe this company should compensate me for the years of repetitive calls for a debt that is not owed by me!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (MA)

XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation (GA)

My name is XXXX XXXX XXXX. I recently closed on a house XXXX XXXX/XXXX/XXXX XXXX, but I feel as if the lender took advantage of the fact that we were living in a hotel, and desperately needed to close on that date. I was originally going to use XXXX. However, PHH Mortgage seemed to have given me a better deal. However, the closing cost increased by $ XXXX on the day of closing. They took the money that I would have been reimbursed by my relocation package and applied it to that difference. I had to pay more money at closing, I had no choice but to close at that time, because we were literally homeless. I have additional information if needed. 
I would like for PHH Mortgage to reimburse the XXXX that I lost because of an " error '' on their part.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (TN)

I began social security and the loan company XXXX decided I could get a total and permanent discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact XXXX to confirm this information all these apartments do credit checks and im homeless so I need my score raised I have paid back many loans and cleared many bank accounts so please help
Consumer complaint received 2024-11-05
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. (OH)

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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 This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA USC! 5 1681li ( a ) XX/XX/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
Consumer complaint received 2024-11-05
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. (OH)

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, 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 This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA USC! 5 1681li ( a ) 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 2017-10-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch (GA)

I send letters to all three credit bureaus requesting validation of several accounts including one listed on my report from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received paperwork approximately on XXXX/XXXX/XXXX of a contract and payment history and total amount owed. I then checked my credit reports and noticed they had updated information on the collection increasing the amount from {$8200.00} to {$13000.00} and reaged debt stating last payment received XXXX. None of the information reported on my credit file coincides with the paperwork the company sent me. This intentional report of inaccurate information is negatively affecting my ability to get school loans for my child, jobs, purchase a home, and/or reasonable interest rates on credit cards. 
Also XXXX continues to report inaccurately on my credit as late when I actually paid debt off with credit agency that they sold the account to. I have made several requests to remove inaccuracies but they still have yet to do so.
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (MO)

I am a XXXX XXXX XXXX XXXX. I am registered in a state program for victims, and the attached card has my registration ID and everything attached to those numbers. For my protection, that is all I legally have to prove as proof, as that information is all tied to the registration number, and my state does not have anything else or different I need to provide. XXXX has already cleared it, and XXXX has accepted it after escalations with my Case worker, and she asked for the signature page I attached to this case. My state keeps things private, and my card is all I have to provide for proof in the program that I am in.

2 case numbers, because their website is buggy and the process makes you want to give up and is not easy : Today XX/XX/XXXX I called the number per the email I received and spoke with XXXX XXXX who said I need to listen he said no one can help me. He can not tell me anything or provide information but he confirms I did submit the proper information but It was not accepted. He advised he is the manager and He's not going to do anything about it. 

He refused to help me or offer me any directive. 
Case # XXXX Confirmation number : XXXX filed XX/XX/XXXX did not have the information for everything I was disputing due to the website being down, he said he would file a case and a supervisor would help me and that never happened. it was an outright lie. Partial dispute due to there website being down. 

Case # Confirmation number : XXXX partial dispute due to the last error ; he looked at both and said he could not help me but I called the number the email told me to and I will attach that email to this case also.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

I am at the end of my 5 year term with having to pay PMI on my FHA mortgage and my servicer is telling me that I will have to pay for an appraisal to show the bank that my home is worth more than the $ XXXX I paid for it I do n't recall being told or signing anything when I bought the house that stated me paying for an appraisal would be required for the PMI to be removed. Please investigate the validity of this requirement from my servicer.
Consumer complaint received 2017-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (SC)

I recently checked my credit and seen a collection debt from Sunrise Credit Service that was reported to my credit that is n't valid. Back in late XX/XX/XXXX early XX/XX/XXXX the amount being reported {$1500.00} was already taken care of with the previous collection agency and it was removed from my credit. Per FDCPA laws any collection item ( s ) that has been removed from ones credit can not be placed against credit again. This item is hurting my credit being that I am in the process of buying a home. This is causing emotional distress, and I am having to deal with the possibility of being denied on the closing of my home. The address that this company has on file is n't my address nor have I ever lived at the address. I am wanting to pursue further in filing a lawsuit, if we ca n't handle this situation the right way.