davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-19
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. (TX)

loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXXthat there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

I have been monitoring my credit reports for the past three months, and over that last few days, a new collection account from Diversified Consultants in the amount of {$330.00} has shown up on my credit reports, drastically dropping my credit score. I have never received any communication from this company -- no mail, no phone calls, nothing, so I am completely unaware of this debt and had no prior knowledge of it. I would like this account removed from all three credit reports ASAP as this information has caused my mortgage application to be declined.
Consumer complaint received 2018-01-19
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. (WI)

Talked to trans union because a late payment was reported on a 3 plus charged off acct. which crashed my score by 46 plus points they are saying they dont see this but can you explain the sudden point drop! All of my credit monitor sites show this late payment!
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

OnXX/XX/XXXX, we wife and I sent letter to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit reports. We have long since received investigation results from XXXX and XXXX XXXX, but we have yet to receive anything in the mail from Equifax. We 've even sent follow-up letters. Still, no response.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MS)

After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX from XX/XX/XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Consumer complaint received 2018-01-19
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. (OH)

I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to me.
Consumer complaint received 2018-01-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (HI)

I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.
Consumer complaint received 2018-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I paid my mortgage payment (XXXX) in XX/XX/XXXX to XXXX. In XX/XX/XXXX, XXXX sold my loan to Bank of America. Bank of America stated that they did not have a record of me paying in XX/XX/XXXX so I doubled paid Bank of America in order to prevent any issues. I paid twice (see attachment) in XX/XX/XXXX, which included one payment for XX/XX/XXXX and an extra charge of XX/XX/XXXX as well. To resolve the issue, I called Bank of America and went in person multiple times. They told me to get my payment history and they would resolve everything. Thus, I obtained my payment history (see attachment) from XXXX that showed my XX/XX/XXXX payment (XXXX) being made. I also obtained my bank statement (see attachment) that showed my XX/XX/XXXX being made. Even though I provided evidence to Bank of America, they have not acknowledged that I paid or refunded my payment. I would like to receive a refund for over paying XXXX, since I doubled paid for XX/XX/XXXX. One payment was made for XX/XX/XXXX in XX/XX/XXXX. The other payment was made in XX/XX/XXXX was also for XX/XX/XXXX.
Consumer complaint received 2018-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a letter to XXXX XXXX XXXX on XX/XX/2017 notifying them that the debt they were trying to collect on was reported more than 7 years ago. They have not sent me anything contradicting that and are still reporting this account as a collection account. The original creditor removed this from my credit report for the above reason.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX XXXX on a closed XXXX XXXX checking account.The letter indicated {$560.00} as an amount owed which is incorrect. 

On XX/XX/XXXX, I received written notification ( see attachment ) from XXXX XXXX Remediation Department that the bank owed me {$85.00} and enclosed a check in that amount. That check was cashed at my current banking institution. 

XXXX XXXX XXXX should have received correct information from XXXX XXXX concerning this alleged debt prior to notifying me. As a result, the information in which I received from the collection agency is incorrect and therefore violates the Fair Debt Collection Practices Act.
Consumer complaint received 2018-01-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Niagara Capital Recovery LLC (CA)

Called my cell phone number about my mom. I pretended to be my mother, and gave private information like her social, and bank account number over the phone. The person threatened legal action and wanted payment over the phone. Claimed they were from XXXX XXXX XXXX. Very hostile and rude over the phone.
Consumer complaint received 2018-01-19
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. (TN)

The XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, Kentucky, XXXX, denied my loan application based on erroneous information on my TransUnion credit report, then failed to respond or address concerns related to the loan resulting in several overdraft fees to my account. I would like to complain both against TransUnion for posting the erroneous information and XXXX for relying on it and not addressing the concern once they were alerted that it was erroneous. 

The information of my TransUnion reported was disputed and removed shortly as erroneous. However, without making any effort to contact me, XXXX denied my my small loan request ( {$500.00} ), and then failed to respond when I reported that the information on which they relied was erroneous and deleted. After I complained about the overdraft fees, however, XXXX called me and said they do not respond to messages sent after a loan is denied and I could simply apply again, which of course would damage my credit history.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (NY)

I was just reviewing my credit score and noticed four unknown credit inquiries. Three occurred on the day that I purchased a new vehicle, however XXXX XXXX is reporting an inquiry on XXXX XXXX, 2017 via XXXX. On this date, I was still just visiting different dealerships. I can confirm this because I took pictures while at XXXX XXXX and the date lines up with this credit inquiry. I specifically told the car salesman that I did not want to have my credit ran. I never gave any authorization neither did I provide my social security. More so, they never mentioned that they even ran it so I had no idea until now. When the sales person could not get the car I was interested in down to the price that I wanted, he attempted to convince me that another in a different color would be just as good but I assured him color mattered and I would not be leaving without it. Unfortunately, they still kept me there for hours by insisting that his manager wanted to speak with me, all while holding on to my drivers license. When I finally got it back, he said maybe we can try again that weekend. I never went back.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant XXXX it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving XXXX, XXXX, and Transunion.
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

TODAYS DATEXXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-11-07
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. (NY)

I am reaching out regarding an unauthorized inquiry on my credit report. Recently, I was a victim of identity theft due to my information being compromised in multiple data breaches and subsequently exposed on the dark web. While most of the issues stemming from this incident have been addressed and corrected on my credit report, I noticed an inquiry dated XX/XX/year>, from a company called XXXX. 

I do not recognize this company, nor have I applied for any credit or services with them. I have requested TRANSUNION to remove this inquiry, but they have declined to do so, despite my clear communication that I am unfamiliar with Lightstream and can not explain why this inquiry is present on my report. 

I would appreciate any assistance the CFPB can provide to help resolve this issue. Thank you for your attention to this matter.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXXI filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XX/XX/XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and XXXX will not remove the unverified items.This letter was sent on XXXX.
Consumer complaint received 2018-01-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (WA)

Reported that I was 90 days late on a payment, while in a current forbearance.

Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

XXXX/XXXX/XXXX I have been filing complaints for them to verify my reports for months and XXXX has not respond to my letters.I have been sending letters since ( XXXX XXXX, XXXX ), with no verification to the credit laws that I had included. Seeking help with this matter.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XXXX XXXX, XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with Capital One bank with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with Capital One with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact Capital One. I did contact Captal one and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
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. (FL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ad Astra Recovery Services Inc (CA)

XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months)  marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I had a mortgage with XXXX XXXX (account XXXX) that was foreclosed.  The mortgage had been passed to several other sources including XXXX XXXX XXXX (account XXXX).  The first delinquency prior to charge off was prior to XX/XX/2011.  But it has been passed around so many times that each company updates the date of last activity to when they got it.  These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed.  I have disputed them with the three credit bureaus and they have remained.