davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (OH)

In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my XXXX Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call XXXX to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with XXXX. The next day XX/XX/XXXX XXXX stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (AL)

Experian, I have submitted several letters to your company to address the incorrect payment history that is reporting on my credit report. I would like to advise that the fact that you are ignoring my concerns has resulted in several denials. I have attached a screenshot to address the payment history on my XXXX acct # XXXX which is an unverifiable account number. Your company and your company only reported a 90 day late for XX/XX/XXXX, A 90 day past due for XX/XX/XXXX, and 120 day past due for XX/XX/XXXX. 

The information shows no 30 day late payment and it is reporting inaccurately. please correct.
Consumer complaint received 2024-05-29
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. (MS)

On XXXX XXXX I submitted a complaint through Cfbp 's portal alerting Transunion of the fraudulent items on my credit report and also attached proof of IDENITY in the complaint. It's now been over 33 days and transunion hasn't deleted all of the unverified, incomplete, inaccurate, or fraudulent items even though by law under 15 U.S. Code 1681cXXXX they should have blocked this information in 4 days. I have done everything Transunion has asked now I'm requesting an transunion employee sign a letter under penalty and perjury that the accounts in question are mine. This is defamation of my character. I'm stressed so bad. Please block this information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Admin Recovery, LLC (NV)

XXXX XXXX XXXX XXXX Ct XXXX XXXX, NV XXXX Subject : Complaint against Admin Recovery LLC Dear XXXX, I am writing to file a complaint against Admin Recovery LLC XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by Admin Recovery LLC, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of Admin Recovery LLC have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score. 

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

CRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I disputed personal information incorrect address and name on my credit report to reflect the correct information on my drivers license. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see attached drivers license! The credit bureaus refuse to correct this information several times! They incorrectly updated it 5 or more times. Also, at one point deleted my address completely off my credit profile. This is cause extreme stress and anxiety. Also, XXXX due to inability to obtain credit. I am going to seek legal counsel soon and sue for emotional and financial damages for {$500000.00} This is cause extreme distress.
Consumer complaint received 2023-06-16
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: SANTANDER HOLDINGS USA, INC. (FL)

The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

In XX/XX/XXXX I went to XXXX XXXX to request assistance with obtaining a modification on the mortgage of my property that had been in default since XXXX. The mortgage company at the time was XXXX, although my loan was initiated with XXXX Bank. XXXX  XXXX advised that the best course of action would be to file bankruptcy while we seek a mortgage modification from XXXX. I entered bankruptcy in XX/XX/XXXX, the mortgage modification paperwork was received by XXXX in XX/XX/XXXX. XXXX denied the mortgage modification in XX/XX/XXXX ( during the XXXX pandemic ) citing income inadequacy. The attorneys set a mediation to appeal the denial. The servicer then allowed me to resubmit the mortgage modification paperwork. I attempted over the course of the next XXXX years ( while still in bankruptcy ) to complete the mortgage modification obliging all requests and never received a response. My bankruptcy ended in XX/XX/XXXX. I made XXXX additional bankruptcy payments for XXXX and XXXX of XXXX. The bankruptcy will be XXXX with a successful completion within the next 30 days. I still did not receive a response and the mortgage servicer declined my modification citing incomplete paperwork. I was informed that the foreclosure on my property has recommenced.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANCORP (PR)

The company dont review the attached letter I receive from them. They sent a letter advertising that the charge of overdraft is {$0.00}. They are rascals. Are thefting money from my account before sending a letter advertising that the charge is {$0.00}. They sended a letter without descriptions of the charges. Charged are described as balance cobrado a poor quality statement. Transactions undescribed. A XXXX of response have made these rascals. Read my evidende. Rascals.
Consumer complaint received 2023-11-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I received a letter that my CD had matured on XX/XX/2023 and that I had 10 days to contact CIT to close it or they would roll it into another CD. I called on XX/XX/2023, but the line kept hanging up. I later logged into my account online on XX/XX/2023, but the function to transfer the funds kept giving me error messages stating this function was not available. I also tried the mobile app and it gave the same error message. So I sent a secure message through my online account via my laptop to CIT stating that I wanted to close my CD and have the money transferred to my XXXX  account. I included both my CIT CD and XXXX account numbers and routing numbers. I called on XX/XX/2023 and after the line disconnecting twice, I finally reached a rep named XXXX at about XXXX XXXX. I told XXXX that I wanted to close my CD and transfer my money to my XXXX  account that I sent in the secure email. XXXX lied and said that I never sent a secure email. When I told him that I saved a screenshot of it, he put me on hold for 20 minutes. He later came back and said that he could not transfer the funds to my XXXX account because it was missing the routing number. I reminded him I have physical proof of my message and the routing number was there. Then he said that I could only go online and transfer the money back to my XXXX account that I originally transferred the money from to CIT. When I told him that the transfer function only gave an error message both online and via the mobile app, he told me that they could not transfer my money to any other accounts. I then demanded that I be sent a paper check and verified my address of XXXX XXXX XXXX, XXXX, NC XXXX. This is the mailing address CIT has on file for me. XXXX said he would close my account and mail me a paper check in 7-10 business days. But when I asked for written confirmation of my request to close my account and the paper check being sent, he said he could not send me this. I asked for a supervisor and he transferred me to a woman named XXXX. She told me I had a service request number of XXXX. But she also refused to send me written confirmation of my request. I asked if it could be sent through secure message as a reply to my original message and she refused. I tried to login this evening ( now XX/XX/2023 ) and the entire website is down and so is the mobile app with no message about how long it will be down. I just want my {$2000.00} back. I do not want it rolled over into another CD with a low interest rate.
Consumer complaint received 2020-07-27
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. (PR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-07
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NY)

I applied to for a reduced payment based on the fact that I no longer have a job and am doing independent contractor work. I uploaded the documentation they asked for and it was ignored. They claimed that my application was blank but they processed it anyway. When I called after to find out why the amount was still the same after the approval I was told that my documentation was not acceptable but prior to me calling, there was no documentation stating that my documentation was not acceptable. They simply ignored it and used my income from the prior year. I spoke to XXXX XXXX who confirmed this information on XX/XX/2019 at XXXX and was on the phone with them being transferred for about 50 minutes.
Consumer complaint received 2019-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery keeps calling on different fake numbers ( the one today was XXXX ). We have told them numerous times to quit calling this business number. The debt is from years ago and past any time for legal collection actions. They sent a letter to this effect. Under FCRA, they are not to call if told not to call.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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. (IL)

As per FCRA 605B, any incorrect accounts must be deleted from my credit report. These accounts have been inaccurately reported. I deserve {$1000.00} for each false entry on my credit file.
Consumer complaint received 2024-05-29
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-05-29
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. (WI)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern I have these closed accounts with XXXX XXXX. XXXX XXXX Closed on XX/XX/XXXX and XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Consumer complaint received 2015-05-08
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Optio Solutions, LLC (CA)

QCS has repeatedly threatened to submit my debt to the district attorney if I do not find funds immediately. I was not even allowed to wait for their demands in writing. They attempt to damage your livelihood if they are not paid immediately. XXXX tactics and speak to you as if you are a XXXX human being with no respect.
Consumer complaint received 2023-04-27
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. (PA)

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 Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX 

XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX XXXX XXXX. 

XXXX XXXX / XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX IN CO. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is 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 2024-06-06
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OK)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is XXXX my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX Account # XXXX