davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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. (MA)

XXXXXXXX XXXX reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
XXXX and their subsidiary company lake view have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX I have been consistently making payments for these two loans under the XXXX website first and then under XXXX up until XX/XX/year>. XXXX for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only XXXX to pay the loans. Then, without me receiving any notice XXXX only sold XXXX loan # XXXX, to XXXX XXXXXXXX XXXX apparently in XXXX. When I logged in to XXXX the system advised me they have sold the loans to XXXX XXXXXXXX XXXX and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXX XXXX  only showed the loan they had purchased, but not the other loan which I did not know it had stayed with XXXX. When I realized the confusion, caused by their failure to send me notification and the XXXX websites servicing the loans, I logged back on XXXX to make the XXXX payment. This payment was not XXXX effect until a few days past the 30 days due to the confusion. I requested XXXX to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure XXXXXXXX XXXX makes amendments to their policy regarding transferring service notices and the XXXX websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Consumer complaint received 2024-07-11
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. (NC)

I have not authorized or inquired about a lot of inquiries reporting on my credit report. 
I am clearly a victim of identity theft, someone has stolen my information to inquire credit and loans. Ive filed an FTC report on this matter and requested more information on the debt that went into collections under my name. I have not given any written statement allowing for any company to sell my information to a debt collector.
Consumer complaint received 2024-07-11
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. (WI)

Since XXXX of XXXX I have written numerous letter to get some debts that are NOT MINE of my report. I feel as if all I am getting is the run around, and once again it is feeling the same thing with the last report I filed. TransUnion claims they sent me a letter ( which I have enclosed with this complaint ), and they did indeed. The letter was dated for XXXX, so I would have received it approximately a week after the dating of the letter, which would have been about the XXXX of XXXX. I had sent the letter out on XX/XX/XXXX, and they received it on XX/XX/XXXX. Now, if I am not mistaken they had COLSED the case the XXXX or the XXXX, Either date, they had my response by this time. They always respond with some type of ... .. " We need more info, or we cant find your file, etc. I am not sure how this is, seeing as they have " AT LEAST '' a dozen writings back and forth, with nothing much done. I am enclosing the info that " THEY REQUESTED '' from me the way they requested. I want all proof that is stated in their last letter they RECEIVED on XX/XX/XXXX or XXXX of XXXX, of XXXX. I have also enclosed all the paperwork that was sent to them in their request. Thank You for your help.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Simple timing issue. I sold my house and the payoff amount was held up because a check was sent to the bank instead of a wire. Ok, no problem, but then the SPS never informed me that a check wasn't acceptable and instead of letting me know so I can have the new buyer send the wire, they never informed me and just hit my credit with 30 days late. That's insane especially since they DID receive payment on time and NEVER to date let me know. If I didn't monitor my credit I still would have no knowledge of my account being late. 

As of now the account is paid off and I just want the 30 days late removed from my credit
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Adjusters, LLC (TX)

I sent a letter to National Credit Adjusters on XX/XX/year> requesting validation of a debt. The amount that NCA is claiming to be owed is {$970.00}. They have failed to acknowledge or respond to my request. It has been 32 days. NCA is continuously reporting negatively to all three credit bureaus. I believe that they are in violation of FCRA when it comes to reporting and validation.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CT)

I closed the account last year in an effort to avoid paying the yearly fee so I can pay down the card and be done with it. They keep charging me monthly maintenance fees for a CLOSED CARD as well as I was charged the yearly fee again. This keeps bringing the card either close to or over the limit making it impossible thus far to pay this down!
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX has been made aware that Equifax is reporting my account as being two months past due when my account is current. I would like them to update my Equifax account to show that it is current. The amount owed, payment and being past due are all wrong.
Consumer complaint received 2024-07-11
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)

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I received XXXX alerts from XXXX that my personal information was on the Dark Web. On XX/XX/XXXX I received XXXX alerts from XXXX XXXX that my information was on the Dark Web. I also received on XX/XX/XXXX an email from XXXX XXXX Department store that someone had repeatedly tried to log into my account and it was therefore locked. 

I know that it was Citibank that sold my information as I refinanced my HELOC into a mortgage which I believe was finalized in XX/XX/2023. The bank forwarded to me on a couple of occasions mail with an incorrect address even though I have been with them since the XXXX. The mailman delivered the mail to me anyway. I asked them then how could they possibly, all of a sudden, have an incorrect address. Was some of the other mail with the wrong address diverted to someone else? 

At least XXXX of the Alerts on the Dark Web from XXXX had that incorrect address from Citibank. Citibank either sold my information or there was a breach. I have requested that they cease and desist sharing my personal information. This is why identity theft is so prevalent.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

DEAR, EQUIFAX I WOKE UP THURSDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-07-11
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. (IN)

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is my personal account this was a corporate account & im not individually liable & why do credit reporting agencies have only 3 months data where is all the payment history from 2021 as reported account opened in 2021
Consumer complaint received 2024-07-11
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. (NV)

I am writing to contest and to dispute the inaccurate reporting of an accounts on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXXXXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX  : Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXXXXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX XXXX XXXX : Account Name : XXXX And XXXX of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

This is a complaint against Resurgent Capital Services. The original creditor being XXXX XXXX. I paid off this balance and received the letter stating that the account was settled in full on XX/XX/2019 and it was actually settled on XX/XX/2019. 

Resurgent Capital has continued to debit my account for {$90.00} which should not be happening since I was finished paying this off on XX/XX/2019 and it is illegal! 

I want Resurgent Capital Services to stop reporting to all three of my credit bureau reports ( XXXX, XXXX and XXXX ) immediately. 

They have engaged in illegal behavior and I am actually contemplating suing them in civil court. I have called several times, each time I got a letter in the mail saying that they were going to debit my account AGAIN. They always said that the account has been closed in their office. Then why are they still taking money from me??!!!
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report, that was Previously removed and got re added back by you guys, however the other credit reporting agencies have removed them The charge-off of an obligation with ; XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with ; XXXX XXXX XXXXXXXX is not mine ; I am not responsible of this account, The Collections with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX are not mine ; I am not responsible of those accounts, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted the dispute to TransUnion via their online portal ( XXXX XXXX XXXX.transunion.comXXXXXXXX ) on XX/XX/2024. It was completed on XX/XX/2024, without a real investigation. Upon contacting TransUnion on the same day, I was advised to resubmit the dispute, which I did. 

I provided vendor information and proof that I owed nothing and that the charge was an error on their billing department 's part. The vendor ( XXXX ) auto-credited the account to a XXXX balance to correct their mistake. They also confirmed they would inform the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) of the error.
Consumer complaint received 2024-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MN)

Approximately 3 months ago I began receiving texts from Radius Global Solutions telling me to contact them. I had never heard of the company and I thought it was a scam, so I ignored these texts. A couple of days ago, I received an email from XXXX saying my SSN was on the dark web, so I checked my credit reports and found this Radius Global Solutions on all 3 of my credit reports as a Collections Account with the original creditor listed as XXXX XXXX. I have not done any business with XXXX XXXX. My phone is through XXXX and my internet is with XXXX as well. I had a brief time 2 years ago when I had internet with XXXX. 
I also found wrong addresses on my credit report. On both XXXX and XXXX there was an address in XXXX XXXX XXXX ( when I tried to put in a dispute online about the address it wouldn't let me because that was an address used by Radius Global Solutions ). And on XXXX, there was also an address in XXXXXXXX XXXX. I have never lived in either of these places nor do I know anyone that lives in these places. 
This debt is not mine. I don't know if my Identity has been stolen or if there has been a some other mistake made.
Consumer complaint received 2024-07-11
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

XXXX i called to See what we can do to resolve the issue they shut the phone one me disconect they would not tell me tell me The Company id XXXX XXXX XXXX