davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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)

No permissible purpose was given. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to XXXX XXXX XXXX ( XXXX ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to XXXX XXXX XXXX ( XXXX ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in XXXX XXXX XXXX ( XXXX ) ( XXXX ), I the consumer will seek remedy XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I demand that you block these alleged accounts Pursuant to XXXX XXXX XXXX. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ) which states a consumer report means any written, oral or other communications. XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to XXXX XXXX XXXX ( XXXX ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) no more than {$1000.00} fir each violation you have violated. Also XXXX XXXX XXXX for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Consumer complaint received 2024-09-08
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. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information includes : A personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
An additional credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the credit card accounts in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc. (FL) (TX)

The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.
Consumer complaint received 2023-07-18
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. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

My mortgage payment increased 11 % ( {$390.00} ) from the XX/XX/XXXX statement to the XX/XX/XXXX statement. This is an increase of {$4600.00} annually. There has been no justification for the increase in payment from NationStar/Mr. Cooper. Last year 's ( XXXX ) annual increase in local property tax was {$1300.00}, and the year prior ( XXXX ) was {$130.00} annually. 
There has been no increase in home owner insurance policy. 
By my numbers, NationStar/Mr. Cooper has taken it upon themselves to increase my monthly payments in excess of {$3000.00} annually. This appears to be highly correlated with the CARES act and other borrowers utilizing forbearance. 
I don't believe the mortgagees should be responsible to the mortgage lenders to cover their lack of funding needed to continue their business practices.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2022 I received an email from a credit reporting agency stating new activity is showing on my profile. 

Upon checking I see a notification stating Capitol One had closed my line of credit. 

I contacted Capitol One to see why this could be. 

The Capitol One representative shared that the account was closed due to excessive return payments. 

I have an idea what excessive return payments could be but considering I never set up any auto pay with Capitol one or linked any bank Im not sure how Capitol one could be pulling funds of mine from anywhere. 

The representative stated excessive return payments are payments that have not successfully gone through. Payments that were not successfully completed.
Consumer complaint received 2022-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (TX)

INNOVATIVE RECOVERY, INC has reporting a fraudulent account on my consumer report without my consent and has damaged my reputation with the banking system. As a federally protected consumer I revoke remedy against INNOVATIVE RECOVERY, INC for illegally furnishing false information on my consumer report without my permission which is a violation of 15 USC 1692c ( a ) of the fair credit reporting act. Which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I was never given a notice about the alleged debt before it was furnished on my credit file illegally. As the consumer pursuant to 15 USC 1692a ( 3 ) I demand this account be removed. I demand you cease all collection attempts through all mediums even phone calls and mail Pursuant to 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ) I will invoke remedy for my damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1692d ( 2 ) furnishing this alleged debt is abuse and me seeing it just hurt my heart. INNOVATIVE RECOVERY, INC is also in violation of 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 8 ) ( 9 ) ( 10 ) ( 11 ) for furnishing the alleged amount which is false and misleading of {$1900.00}. How can I owe a positive amount it. In Violation of 15 USC 1692j ( a ) Furnishing deceptive forms to credit reporting agencies.
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

The accounts listed are not my accounts. I have shown that I am not a credit repair company nor am I a mortgage company. I also DON'T have a Chapter XXXX bankruptcy and needs to be removed immediately. I have requested the removal of these accounts as now a second request. Please remove them immediately. Thank you.
Consumer complaint received 2024-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

( XXXX ) XXXX XXXX ( Date ). - XX/XX/XXXX ( Amount ) - {$11.00}, XXXX I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the Privacy Act Of 1974 this is fraud. 

I took action by asking the company to send me information on this collection debt in a form of a letter, still no action taken on behalf of XXXX XXXX.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not give this company authorization to report this collection to my credit report this violates my privacy rights under the privacy act of 1974 and this is fraud. 

XXXX XXXX XXXX {$30000.00} ( Amount ) XXXX ( Date ) I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of the company.
Consumer complaint received 2024-09-08
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)

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payments Reported on Select Portfolio Servicing Account To Whom It May Concern, I am writing to formally dispute inaccurate late payments reported on my Select Portfolio Servicing ( SPS ) account, which are currently appearing on my credit report. The late payment information being reported is incorrect and not reflective of my actual payment history. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I request that you immediately investigate this matter and correct the inaccuracies on my credit report. Specifically, I am citing the following laws in support of my dispute : 1. 15 U.S.C. 1666 ( b ) - Fair Credit Billing Act ( FCBA ) This section of the law grants me the right to dispute billing errors, including the inaccurate reporting of late payments. As a consumer, I have the right to dispute errors within 60 days of receiving the billing statement showing the error. In this case, the late payments being reported are not accurate, and I am exercising my right under this law to correct the mistake.

2. 15 U.S.C. 1637 ( b ) - Periodic Statements of Accounts Under this section, creditors are required to provide clear and accurate statements of account activity. The inaccuracies in the reporting of late payments on my XXXX XXXX XXXX account violate this requirement, as the information being provided to the credit bureaus is neither accurate nor consistent with my actual payment activity. 
3. 15 U.S.C. 1681e ( b ) - Fair Credit Reporting Act ( FCRA ) This section of the FCRA mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information included in consumer reports. The inaccurate late payments being reported on my XXXX account violate this provision. As TransUnion has a duty to report only accurate and verifiable information, I am requesting that you immediately verify the accuracy of the information with XXXX XXXX Servicing and update or remove the late payment information accordingly. 
Details of the Account in Dispute : Creditor Name : Select Portfolio Servicing ( SPS ) Account XXXX Disputed Late Payments : XX/XX/XXXX - present Requested Actions : Immediate Investigation : Please conduct a thorough investigation into the inaccurate late payment information reported by Select Portfolio Servicing. 

Correction or Removal of Inaccurate Information : If these late payments can not be verified as accurate, I request that they be removed from my credit report immediately. 
Confirmation of Investigation : Under FCRA 15 U.S.C. 1681i, I request written confirmation of the results of your investigation and any changes made to my credit report within 30 days. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (NJ)

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX TWICE, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX SERVICE- XX/XX/XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

Good morning, I received medical bills from XXXX  XXXX for dates of service of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by XXXX  XXXX that my insurance company did not pay said claims. I contact my insurance company, XXXX XXXX XXXX XXXX New Jersey, which is XXXX managed health insurance. I was told I needed to file a grievance. I filed a grievance and the grievance was substantiated and the claims would be paid. The letter also states that " we have notified your provider in writing that they should not be billing you for these services. '' However, I am still being billed for the services and XXXX  XXXX hired a collection agency, Remex , Inc. to collect the debt. I contacted Remex , Inc. and explained the circumstances. I advised XXXX XXXX at Remex , Inc. that the claim will be paid by insurance. On XX/XX/XXXX, Remex placed negative information on my credit report regarding date of service of XX/XX/XXXX in the amount of {$410.00}. Subsequently, I had a conference call with XXXX XXXX and the insurance company on or about XX/XX/XXXX. I was told that the claims were no longer at issue and the negative information would be taken off of my credit report. However, not only did Remex not remove the negative information, they put additional negative information on my credit report on XX/XX/XXXX regarding the same date of service of XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX New Jersey and was told that XXXX  XXXX is in violation of their contract and that I should not be billed as I was covered by a XXXX managed care. A patient has 0 % responsibility under XXXX and should not be billed. I was also told that negative information should not have been placed on my credit report. Companies like XXXX  XXXX and Remex , Inc. should not be able to harass patients and place negative credit items on their credit reports. Please assist me with resolving this issue.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

Fay Servicing is insisting on putting NSF and BAD CHECK on my account despite the fact that XXXX  -the financial institution that operates the account from where Fay make their automatic withdrawal has strongly indicated that my account ending in XXXX from where Fay Servicing automatically withdraws payment for this mortgage has never had NSF or returned checks. 
See letter from XXXX XXXX dated XX/XX/2020. 

I had contacted Fay Servicing from XXXX to XXXX asking this agency to withdraw the right amount of {$1400.00} instead of the amount of {$2000.00} which I had previously allowed but the agency wouldn't. As a last resort, after contacting them for 3 months, I filed a complaint with XXXX in XXXX against the overage. XXXX mistakenly filed a claim against the entire amount. Once this was brought to my attention, the error was corrected and Fay received her full due amount. 

Problem now is that Fay Servicing is claiming that my account was NSF and BAD CHECK. Fay Servicing has put NSF and BAD CHECK on my account with them instead of being honest and noting that they were the cause of the claim filed by XXXX. Any prudent agency would have admitted that SHE CAUSED THE PROBLEM and correct her mistake. Instead Fay Servicing is trying to stick my account with this. Despite the Letter from XXXX which Fay Servicing has a copy of..
Consumer complaint received 2017-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Navient failed to pay XXXX, which they are required to do. I paid Navient as I do each month and they failed to disburse the payment to XXXX, resulting in a negative mark on my credit report as a late payment.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CO)

My name is XXXX XXXX and I used square payment as a payment processing for my XXXX. 

But they stopped offering me their services because I had a chargeback and they said they will hold my available funds until XX/XX/2020 then they will send it to me. 

They assured me that they will get in touch one week before they send the money on XX/XX/2020. They haven't got in touch with me, but they kept withdrawing money from my bank account for a fee I do not understand. 

The chargebacks were all settled and I have about {$500.00} which was ruled in my favor in my square account but the money has disappeared and I can't find it anymore. 

I need to remind square of that to send my money as promised or I will sue them
Consumer complaint received 2022-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.