davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (IN)

I applied for a position with XXXX in XXXX, XXXX. XXXX used First Advantage Background services for my background report. The background report score said that I failed due to being on the XXXX XXXX  registry. I am NOT a XXXX XXXX. I only have one XXXX  on my background which is XXXX XXXX  which makes me a XXXX XXXX, not a XXXX XXXX. Upon my release in XXXX  I had to register on the XXXX and XXXX XXXX registry in my jurisdiction. But because of this when employers run my background I am included in the XXXX XXXX XXXX XXXX. When you click on my name it redirects you to the local registry where i'm registered only as a XXXX XXXX. My case which I have served my sentence for was not of ANY kind of XXXX nature. I am willing to be registered as a XXXX XXXX because of my case, but not as a XXXX XXXX. And when I received the notice back from XXXX, all it stated was that I was a registered XXXX XXXX  which is false and misleading. I'm not sure if I would be denied a job due to being a XXXX XXXX, but I definitely don't want to be denied as a XXXX XXXX. I reached out to my local jurisdiction ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) and all they said is that they have me listed under a XXXX XXXXr and to have the employer contact them for any further questions and clarifications. By that time, I will have already been denied employment due to the misleading information provided by the XXXX XXXX  XXXX.
Consumer complaint received 2024-05-21
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, XXXX have been re-added to my credit profile by your office ( XXXX ) without the required XXXX notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within XXXX business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX : - XXXX  Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX Your agency XXXX in breach of the law! According to XXXX XXXX. XXXX section XXXX A, I am entitled to privacy. Furthermore, XXXX XXXX. XXXX Section XXXX A Section XXXX specifies that a consumer reporting agency XXXX not provide an account without my explicit written permission. Additionally, XXXX XXXX. XXXX. ( a ) ( XXXX ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, XXXX XXXX. XXXX ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

My card is over the limit since I went through identity theft. Citi bank claims they sent out mail multiple times to clarify the fraud so I can make a payment or check to see what charges are fraudulent but the four addresses they have sent it too, the mail never comes.
Consumer complaint received 2024-05-22
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)

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Healthcare Finance Direct LLC. (FL)

I began treatment with XXXX on [ XX/XX/XXXX and paid {$2800.00} for a dental procedure aimed at aligning my teeth. Unfortunately, the procedure did not work as intended, resulting in damage to my jaw and nerves. Despite these issues, XXXX filed for bankruptcy on XX/XX/XXXX, leaving my treatment incomplete. They have since stopped servicing my account, including providing the necessary retainer, which has exacerbated the situation. I have attempted to resolve this with the company, but no further actions have been taken to address the damage or provide the required follow-up care. I called the credit company I financed and they keep giving me the run around. 
healthcarefinancedirect.com - ( XXXX ) XXXX. 
account Payment Plan ID : # XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 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 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 has violated my rights. 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 2023-08-26
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: Experian Information Solutions Inc. (MO)

Filed a complaint yesterday and experian has now updated my XXXX XXXX balance and back dated it. They increased my score four points on my fXXXX XXXX XXXX XXXXXXXX but experian keeps my experian page ar XXXX and are pumping loans and credit cards 10 times a day saying another card will increase your score this has got to be illegal and now experian has stopped responding
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (AZ)

I am disputing incorrect and negative information being reported on my credit report by SELF FINANCIAL INC / LEA regarding an account that I previously held with them. 

- **Account Number : XXXX XXXX XXXX XXXXAccount Status : ** Closed Charge Off - **Payment Status : ** Past Due - {$620.00} - **Balance Owed : ** {$620.00} - **Payment Amount : ** {$0.00} - **Credit Limit : ** {$450.00} **What happened : ** I had a credit card with SELF FINANCIAL INC / LEA, which I responsibly managed and eventually decided to close. I have never missed a payment on this account. However, after closing the account, a balance of {$620.00} was erroneously added. For the past four years, I have been contacting the company repeatedly, requesting that they update my credit report to reflect that the account was paid as agreed and never late. Despite my efforts, I have been repeatedly transferred to different departments, and the issue remains unresolved.
Consumer complaint received 2024-05-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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
Consumer complaint received 2023-06-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (OR)

I have applied for a home loan through Guaranteed Rate for a new home loan. I was pre approved very easy. Now that it comes time to actually get the loan I am being asked for all financial information, banking, credit, all card statements, divorce degree that is 17 years old, paperwork on a RV that I must sell, monthly pay stubs, as well now being asked to confirm with a 3rd party for credit cards that I have already sent in statements for. I have been asked to provide more information for this home loan than for anything else that I ever applied for including another home loan. I have required to provide statements for a employer that has been waiting for us to get moved up to Alaska for 2 months now even though there is a employment acceptance letter. I have been told that without the XXXXrd party credit placed being able to verify my balance I will not be approved and if we don't get a signed letter from the new employer that we will be denied loan. I have paid over {$2000.00} out of pocket so far to get a home inspection, and a appraisal done. Once one is thing is done more is being required and we are told it is FHA guidelines.
Consumer complaint received 2024-05-21
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I had 2 checks intercepted and fraudulently deposited to an account at TD Bank. I contacted XXXX XXXX XXXX XXXX, XXXX, and the TD bank. And up until this date, which is now siXXXX months afterwards, I have not received any resolution. On XX/XX/22 I wrote two checks to pay taxes. They were deposited after altering the payee and my signature. I have contacted both XXXX XXXX XXXX XXXX and T D, and they have not received any resolution. The amount of the checks with XXXX, XXXX and XXXX, XXXX. I also received a penalty for the state of Georgia which I want back also and I would like interest on the money
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.
Consumer complaint received 2024-05-22
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. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX Balance : {$77000.00} XXXX XXXX XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2018-05-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Commercial Services, Inc (OH)

My husband and I did a short sale on a property over 3 years ago. I received a call from the debt collection company some months after that I owed for pmi on the loan. The company is National Comm Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. After numerous phone calls to have documentation sent to my home address every time I call they give me the address they say they have on file which is the realtor company that handled the sale. I have NEVER received any documentation on the amount owed, what I have paid nor who they are collecting for. I just called again today and still wrong address and they say the same thing- we will update. I also asked for the name of the company in which they are collecting and I was told pmi insurance. No phone address or information provided. I feel as though my money is going into a black hole.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid 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: DISCOVER BANK (TN)

Disputed XXXX XXXX firm for {$1200.00}. XXXX XXXX took my money and did not represent me in a case with XXXX XXXX. She never contacted XXXX. The attorney did not give my file back. The attorney did not return my money after she fired herself on XX/XX/XXXX. 

Discover Card told me to upload a letter from XXXX showing that the attorney did not contact them for representation of me. XXXX never heard of this attorney or firm. 
Discover Card told me to upload any emails I have from the a XXXX attorney showing XXXX XXXX did not give them receipts and invoices I gave her to give to them. 

I did all of the above, yet Discover Card is not doing what they said and they are being hostile toward me. I have been a good paying customer with Discover Card since 2014. I expect more from Discover and I expect respect and to be treated with dignity and honesty. I expect my credit card company aka Discover Card to believe me.
Consumer complaint received 2024-05-21
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. (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.

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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (MO)

Jefferson Capital System has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXX XXXX who so called investigated and stated they will make the adjustments back in XXXXXXXX XXXX XXXX when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/year> I have requested my Transunion annual credit report via the internet through all resources provided by them. They refuse to allow me to obtain my credit report via the internet. I have also reported erroneous information on my Transunion Credit Report. I have called about this previously to no avail. This has been going on for years with no response from Transunion Credit Bureau. If the information is not corrected and Transunion will not allow me to obtain my Transunion Credit Report via the internet I have no further options other than to move forward to Attorney General and other Attorneys in this scope.There are no alerts or anything else set up that would refute myself from obtaining my credit report via the internet.
Consumer complaint received 2024-05-21
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)

These are not mine. Please remove 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 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
Consumer complaint received 2023-12-27
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (NM)

I submitted an application with United Wholesale Mortgage for a loan assumption resulting from a divorce in XXXX. They received it XX/XX/XXXX. Their paperwork said the process should take 45 days. After almost two months of hearing nothing, I began calling. I also emailed the assumptions department, and never heard a response. Their loan assumption department is not directly reachable by phone, even by their customer service representatives. I was told I would receive a call back from the assumptions department with two or so business days around 6 times. I never did. In XXXX, I finally received a packet from the department, requesting more documents, signing of new disclosures, checking a box or two I had missed on the initial application. Many of the documents, such as w-2s, were repeats from XXXX but they had expired due to how long it had taken. I sent that back on XX/XX/XXXX. Again, I have heard nothing. Again, I have called countless times. After many such calls, a manager emailed the assumptions department and got a response on XX/XX/XXXX saying they needed some original documents I had not sent in. This doesn't make sense given the documents requested. They had no more specific information and said the assumptions department would call me in order to tell me what needed to be provided. I have not received any communication. I have a low interest rate so assume that they would prefer not to push this forward. I have a divorce decree that I will soon be in violation of because this process has taken significantly longer than the company said it would.