davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (NC)

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.

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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (SC)

According to the FCRA, all information on my credit report must be accurate, complete and verifiable. I believe the reporting of discharge off is in accurate and incomplete, for the following reasons charge is considered as income on the IRS rules a charge of may be considered income for tax purposes when the creditor writes off the debt and issues a form 1099C for the forgiving amount. This implies that the debt has been forgiven and should not continue to Impact my credit report negatively reporting this charge off without indicating that he has been forgiven, creates an incomplete and misleading picture of my credit worthiness. Section 611 of the FCRA, I am requested verification of accuracy of this charge off. Please provide documentation that confirms the legitimacy and accuracy of discharge off, including any form 1099-C issued by the creditor. If you are unable to verify the accuracy, incompleteness of this information, the charge off must be promptly deleted from my credit report.
Consumer complaint received 2024-01-29
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. (CA)

I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX  XXXX XXXX XXXX Balance : {$250.00} - 0 % paid off - Date Opened : XX/XX/year> - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I applied for an apartment and they used XXXX  XXXX XXXX XXXX to screen my credit and renter history. According to XXXX I owe {$XXXX0} to XXXX Apartments from XX/XX/XXXX. However, I lived at XXXX until XXXX so I clearly didn't get evicted in XXXX nor did I owe them anything or I'd have been removed by law enforcement. I filed a dispute but I got an email the next morning saying the information was accurate. However, I called the justice court where it was filed and they said they didn't have a record of me owing anything. I also called the apartment complex that did the filing and they said since they'd been bought out they didn't have a record of me me owing or having paid XXXX way or the other. However, the apartment XXXX did say that there would be a collection agency if I did indeed owe some type of money. So I'm left with the problem of an inaccurate debt on my screening and Transunion themselves can't even tell me who I'm supposed to be paying. More accurately, the party they say I owe doesn't even claim the debt. Meanwhile, I can't get an apartment and I'm having to pay weekly rates at a hotel. 

I'm enclosing a copy of my rent that I paid in XXXX of XXXX, XXXX years after the alleged judgement against me. I'm also including a copy of my XXXX bank statement that shows the XXXX dollars of a bank debit which was the cashier check I used to pay the apartment complex.
Consumer complaint received 2024-01-29
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. (KS)

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.

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 2024-07-29
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: EQUIFAX, INC. (HI)

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.

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 2024-06-04
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: OPORTUN FINANCIAL CORPORATION (CA)

I was trying to buy a house and I realized I have a few damages on my credit report.According to the 15 USC 1681 law, there should not be any damages on my report, is a defamation on my character.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc (CA)

Unfair Damage Charge by XXXX I am writing to file a complaint against XXXX for charging me for damages to a rental car that I did not cause. I rented a car from XXXX, and upon picking it up, I noticed that the vehicle was already damaged. Unfortunately, there was no one present at the XXXX XXXX when I picked up the car to report the existing damage. 

I attempted to contact XXXX multiple times via phone to report the damage, but I found it incredibly difficult to get in touch with anyone. Despite my efforts, I was unable to speak with a representative to address the issue at the time of pick-up. 

Now, XXXX is trying to charge me for the damage that was present before I rented the car. They claim that the damage was not reported at the time of pick-up, but as I mentioned, there was no one available to whom I could report it. 

This situation has caused me considerable stress and inconvenience. I believe it is unfair for XXXX to hold me responsible for pre-existing damage and to attempt to charge me for something that is not my fault.
Consumer complaint received 2024-01-30
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. (LA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

For the past 5 years I have had my yearly XXXX XXXX screening at XXXX XXXX XXXX, which has been in the network of my insurance. Following the XXXX XXXX XXXX I had on XXXX, XXXX, XXXX XXXX XXXX recommended a follow-up diagnostic XXXX XXXX XXXX The diagnostic tests were performed on XX/XX/XXXX. However, XXXX XXXX submitted its claim to XXXX, my current insurance provider, under the name of one of its radiologists who was not in XXXX network ; therefore, when XXXX processed the claim my copay was higher than expected. I chose XXXX XXXX XXXX to perform my yearly XXXX XXXX screening because it was part of my insurance network. I am willing to pay the copay designated by XXXX for providers in the network ( see attached ). On XX/XX/XXXX, I communicated to a XXXX XXXX XXXX representative the fact that the bill was submitted out of the network ; she said that it wasn't. The same day I was told by a XXXX representative that she was going to have XXXX XXXX XXXX resubmit the claim because indeed it was part of the network. I received a debt collection letter from Balanced Healthcare Receivables dated XX/XX/XXXX, requesting {$110.00}.
Consumer complaint received 2024-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Our mortgage company was not paying one of our property taxes when they should have been paid from escrow. This has happened since 2019 and we just found out because we were served with legal papers because an asset management company bought the lien in a sale and we are now being the threatened with foreclosure. I have a copy of my title that very clearly shows the two property numbers so the mortgage bank just failed to pay both property taxes. I have contacted the bank and they are dragging their feet and just telling me they are looking into it, while I can lose my home.
Consumer complaint received 2024-07-03
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 checked my credit report and saw account and inquiries i didnt authorized. i have never give my personal information to these creditors. i dispute these inquiries and account. i did not authorize them
Consumer complaint received 2024-01-29
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. (FL)

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.

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 2023-06-06
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. (NJ)

I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

Amex rejected my dispute within minutes claiming " they gathered documentation proving the charge is valid ''. This is impossible because the charge is NOT valid ( I provided the relevant documentation showing it ) and they could not possibly contact the merchant and receive documentation within less than 10 minutes as they claim. They also failed to provide a copy of this so-called documentation.

Amex also keeps rebilling me for fraudulent charges based upon fraudulent documentation coming from a foreign country. Furthermore, they have never provided a copy of the fraudulent documents they claim to hold as they are legally required to do.

Two different cards are involved now.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (OK)

XXXX a credit card was opened under my name at roughly XXXX. At XXXXXXXX XXXX  this was noticed by me and Chase credit card services were notified. The account was said to be closed by them but no further information was able to be given by chase credit card services. The account is still open under my name XXXX XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

Back in 2017 exactly 7 years ago, which I have the bank statements for there was {$14000.00} stolen from my checking account I notified Wells Fargo of the wrong doing they responded and gave me a refund. The refund was only for {$760.00}. That was not the full amount. They still owe XXXX. There was about 12 withdraws from my checking account around the same time the money was stored. I spoke to one of the supervisors at Wells Fargo and they proceeded to tell me that I need it to file a complaint because they can only look up seven years of bank statements this happened exactly 7 years ago and I am still fighting for my refund. I would like to settle this matter Full refund
Consumer complaint received 2024-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

CREDENCE RESOURCE MA keeps trying to pin me to a debt that doesnt belong to me i have been able to successfully dispute this matter with 2 credit bureaus and they keep trying and trying to attach this debt to my credit profile i can not dispute this debt with XXXX no matter how many time i dispute this debt
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Northern Trust Company, The (IL)

This is my refilling and requesting for the reinvestigation to XXXX TRUST was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Consumer complaint received 2024-06-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP (NV)

I have been attempting to assume my FHA home loan with US Bank since XXXXXXXX XXXX XXXX.The most current attempt that I made was in XXXXXXXX XXXX XXXX and is ongoing. I have provided US Bank with every single supporting document/item that they have requested however I am unsure as to what the delay continues to be. I am tried of the bad business practices that continue happening within that department. I need help as I understand that is it not on their best interest for me to assume my current mortgage loan with my low to moderate interest rate compared to the current interest rate however US Bank is a part of the Fair Housing Act and my FHA loan is assumable.
Consumer complaint received 2023-04-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated XXXX XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX {$3900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CLGF Holdco 1, LLC (NY)

someone applied for a credit card using my information... 
I recently lost all my information/bag/phone/identification/passcodes on a trip now someone is masking as me trying to get things on my social. I have a hard inquire I didn't apply for. I would like this escalated and removed, because this was not me. I called the credit company they suggested I put a lock on my account I'm working on that now! 
how I know is I received the application results in my email. I'm trying to transfer over all my information as we speak, please look Into it, my credit is low due to hardship, I wouldn't apply for credit card right now because of that! 
please delete, remove, this inquiry. THIS WAS NOT ME!
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (GA)

RoundPoint Mortgage bought our mortgages. They keep calling me and asking me to submit our condo insurance. Initially they sent a broken link. I call them back, they send me to a different website. This one says " Thank you for visiting IHaveInsurance.com, unfortunately we can not process your information at this time. 
This site has moved. Please submit your insurance information to https : XXXX please note that you may need to copy and paste the website information into your browser. '' I submit again. They call and say they still don't have my insurance. 

I have no way to send them the insurance directly. They say they use a third party website, but it seems very shady and they tell me if I don't get them the insurance, they will purchase insurance for me. I have called multiple times and each time they tell me it is handled and they have it on record ... and then sometime later, another representative calls me to tell me they don't have it and if I don't get it to them, they'll force me to buy their insurance. 

It feels like a shakedown and a scam. I emailed their president about it and a representative called me back to tell me my insurance is on file a few months ago. This morning I received the XXXX call about not having my insurance. I'm turning to you for help since I am not convinced RoundPoint is legitimate and I had XXXX say in using them since they bought my mortgages. Would love to be sold to another company with legitimate secure websites.