davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (LA)

XXXXXXXX XXXX  is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Consumer complaint received 2023-05-05
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I started a refinance on my commercial party back in XX/XX/XXXX. I signed the refinance in XX/XX/XXXX. The lender is Citibank and I primarily dealt with XXXX XXXX. I wanted a 3 year prepayment penalty ( from the 5 year ) and XXXX got the approval. On the day of signed the loan documents, I noticed the note mentioned 5 year prepayment penalty and told XXXX about it. He told me he would get a 3 year prepayment document to me to sign later on. I also found it very odd that XXXX knew of the notary and the notary 's colleagues on a first name basis. The whole signing felt pressured for me to sign and just move on and not read the documents. The notary did XXXX explanations. 

Moving forward, the signing was on XX/XX/XXXX. I messaged XXXX about a month later in XXXX about the 3 year prepayment and he replied back, " Working on it. '' I did not hear anything and in XXXX I asked him again but he seems to be ignoring my messages now.
Consumer complaint received 2023-10-25
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2023-05-05
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)

I have contacted Midland Credit Management multiple times about fraudulent debts they are saying I owe to them. They send me a jumble of credit card statements that have no proof of my ownership of the debt beyond my name and address. When I ask them for signed documents to prove the validity of the debt I never hear from them again until they file a small claims suits against me in XXXX XXXX XXXX court. I am attaching my last correspondence with them from XXXX of XXXX that they never replied to.
Consumer complaint received 2019-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I contacted original creditor and made arrangements before Transworld turned into collection. I have paid the creditor in Full and when I asked for validation from Transworld they didnt validate and reported a negative Balance. Transworld is fraudulently reporting a balance because I didnt pay Transworld I paid the creditor! I want Transworld to remove this collection ASAP. Last update was XX/XX/14 when Transworld stayed I still owed. However, I have a statement from original creditor a month before Transworld reported showing 0 balance. They never validated as asked by myself and credit bureaus!
Consumer complaint received 2019-11-17
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. (FL)

The following inquiries below are a result of Id theft and I notified Equifax and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX   6. XXXX XXXX 7. XXXX XXXX
Consumer complaint received 2019-11-16
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. (CA)

I am a victim of identity-theft and have previously made reports to my local police, FTC, XXXX, XXXX, Equifax and Creditors on XX/XX/2019. I have placed Fraud Alerts and Credit Freezes on my reports in the past, but my credit file has continued to be breached.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2023-05-05
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Dear TransUnion Consumer Solutions , /dispute department My name is XXXXXXXX XXXX XXXXXXXX the last 2 years or longer i have disputed the bankruptcy and every time you say its verified well now i went to the courthouse and XXXX XXXX where you said it originated from which was XXXX XXXX XXXX XXXX Ohio XXXX the clerk of courts did a investigation and found no records on the bankruptcy account XXXX  # XXXX I also went to the XXXX XXXX they did an investigation and found bankruptcy account XXXX  # XXXX and found it to be an error as well and deleted it attached to this is letter is a letter from XXXX XXXX as well. Please look at that as well. I have never been affiliated with any bankruptcy in my life. Attached is a letter from the Clerk of courts it states this information that i just mentioned. I am asking you as by law to please remove this from my report due to it being a BIG error!! In my Transunion report the file number is XXXX please respond back to me with a letter that states it is removed and that you received this letter Thankyou. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (NV)

I want to file this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2015-10-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Mailed in payment to mortgage company was not cashed. Nationstar Mortgage loan # XXXX Called and had check stop issued and did payment over phone so not late then mortgage company sumitted check to bank XXXX days later. Billed us {$14.00} for NSF fee I called and said our payment was made earlier by phone please remove fee. They said that they would do. Because we send more than payment we have extra put on principle. Received XX/XX/XXXX statement and in stead of putting it on principle they listed it as Adj Forbearance Suspense crediting it and then debiting it. Then I have a Property Inspection listed with a charge of {$14.00}.
Consumer complaint received 2019-11-16
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. (GA)

I contacted the debtor on XX/XX/XXXX. requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2023-05-05
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. (TX)

I am writing to file a complaint against Transunion for allowing XXXX XXXX XXXX to report fraudulent and negative collection accounts on my credit report despite the fact that they know my account is under investigation for identity theft. 

As a victim of identity theft, I have taken all the necessary steps to report this crime and have already filed a complaint with identity.gov. However, Transunion has not taken the appropriate action to block any inaccurate information related to XXXX XXXX XXXX from appearing on my credit report, as required by federal law. 

Furthermore, I am concerned that Transunion is not conducting proper investigations before allowing companies to report information on my credit report. This is unacceptable and goes against the Fair Credit Reporting Act, which requires credit reporting agencies to ensure that all information on a consumer 's credit report is accurate and fair. 

I urge you to investigate this matter thoroughly and take appropriate action against Transunion for allowing fraudulent and negative information to be reported on my credit report. I also request that Transunion remove all inaccurate information related to XXXX XXXX XXXX from my credit report and provide me with a written response within 10 business days, confirming that the information has been removed.
Consumer complaint received 2023-05-05
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. (AZ)

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 {$6600.00} XXXX XXXX {$3700.00} XXXX XXXX {$8400.00} XXXX XXXX {$38000.00} 'Congressional findings and statement of purpose ' 15 U.S.C 1681 section 602 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

'Permissible purposes of consumer reports ' 15 U.S.C 1681 section 604 ( a ) ( 2 ) : In Accordance with the written instructions of the consumer to whom it relates. 

'Reporting information after notice and confirmation of errors ' 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ) : 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 2023-05-05
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. (CA)

I have disputed the referenced accounts to the 3 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 the 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 XXXX months.
Consumer complaint received 2019-11-16
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: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX letter from XXXX 's XXXX XXXX admits I had an account and it was closed. XXXX 's has my record of my account and I hiding material facts regarding my account. All my installment payments were paid on time. 
XXXX 's chose not to report to any of the credit bureaus of my good account. Violation of FCRA. 
On XX/XX/XXXX letter from XXXX states XXXX 's credit program was acquired by Wells Fargo N.A. on XX/XX/XXXX including my account. 
My complaint now rests with Wells Fargo N.A.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/19 Ally bank closed my account for no reason i have no access to my funds. I was advised that the deciding to close my account due to a dispute for unauthorized charges so there for i believe they are wrong in this matter.
Consumer complaint received 2015-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NC)

Diversified Consultants , Inc has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Diversified Consultants , Inc has violated the XXXX Fair Debt Collection Practices Act 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Diversified Consultants , Inc has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular telephone using automatic telephone dialing system ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). 

Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 809. Validation of debts requirements [ 15 USC 1692g ]. 

Diversified Consultants, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Diversified Consultants, Inc. violations of the Fair Debt Collection Practices Act, XXXX Fair Debt Collection Practices Act, and Telephone Consumer Protection Act are documented as follows : Repeated Robocalls to my Cellular Telephone ( XXXX ) XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, VA XXXX/XXXX/2015 XXXX XXXX, XXXX XXXX/XXXX/2015 XXXX XXXX, XXXX initial contact was XXXX XXXX XXXX 2015 via telephone as documented. However, Diversified Consultants XXXX Inc. failed to mail a written notice of collection containing a consumer 's dispute rights under the FDCPA within XXXX days after the initial contact. Diversified Consultants, Inc. failed to mail such written notice. 

Diversified Consultants, Inc. telephone calls to my cellular number are direct violation of the XXXX. Diversified Consultants, Inc. failed to provide any meaningful information during such calls ; all in violation of the FDCPA and XXXX. Instead Diversified Consultants, Inc. continued to call my cellular number to repeating have my telephone to ring as forms of harassment all in violations of the FDCPA, XXXX, and XXXX.
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by the XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like XXXX times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.