davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
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. (TX)

Information for ID theft and XXXX XXXX is for Trans union and XXXX and the whole thing is for XXXX I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXXXXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
Consumer complaint received 2018-09-07
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: SYNCHRONY FINANCIAL (MA)

Have a Care Credit Account thru XXXX XXXX. My contract on XX/XX/2018 states 24 months deferred / no interest if paid in full before the 24 months are up. 

XXXX XXXX is charging me interest every month and changed the contract after 1 month without notice to me and that is illegal. That is not the contract I signed in the beginning or agreed to as I have attached the contract I signed on XX/XX/2018. 

They owe me as of today XX/XX/18 {$630.00} in interest fees charged. Plus interest charged after this date. 

I want my interest refunded to my account. 

XXXXXXXX XXXX  refuses to give me a copy of the contract says it will take them over 40 days to find it ... really.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (GA)

I am writing to express my deep dissatisfaction with the re-investigation conducted by your agency regarding the multiple errors present on my consumer report. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors. Your negligence and willful non-compliance have had a detrimental impact on my creditworthiness and financial well-being. 

Account Name- XXXX  XXXX Account Number- XXXX Obvious Inaccuracies - PAYMENT HISTORY INACCURATE - REPORTED AS CHARGE-OFF NOW COLLECTION
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted XXXX in mid XXXX to cancel my credit card. They confirmed there was {$0.00} balance and cancelled the card easily. 2 months later I get an email from credit karma telling me that an account I have is delinquent. I have an XXXX credit score so Im shocked. I realize its discover. I call them immediately and make the payment. I assume they will fix this issue because I had cancelled the card and figure its some type of error on their end. Total charge was {$26.00}. I called XXXX today to get this delinquent reporting removed from my account and here is what they tell me : XXXX ) when I called there was no balance and they agreed thats what the agent told me. 
XXXX ) supposedly the very next day, they realize oh wait there is a balance and also my account is linked to an old bank account that I had closed since I hadnt used this card in years. 
XXXX ) XXXX NEVER CALLED ME AGAIN to tell me that I had a delinquent account. Zero. Never ever called. The lady on the phone said thats because I enrolled in e-statements. I explained to her that I didnt look at any e-statements because I had closed the account and been told there was no balance. So why would I login and look and an e statement?!

4 ) XXXX never texted me to let me know I was delinquent XXXX ) discover claims they sent me a letter in the mail but I never received this letter. I dont think they actually sent it because my account was closed and they had some error in their side. 
XXXX ) XXXX will not correct the reporting to the credit bureau for a {$26.00} delinquent balance which they never told me about. 
XXXX ) I as the consumer now have my credit score dropped by XXXX points to XXXX because I cancelled a card that I wasnt using and then mysteriously the very next day there was a balance. 
8 ) why wouldnt XXXX call or text me to let me know?

9 ) why wouldnt I get multiple letters telling me I would be reported delinquent?

10 ) there is a very clear break down of diligent communication to customers and it seems borderline negligent. I would suggest investigating XXXX communication practices to consumers after accounts have been cancelled. I suspect I am not the only person where this is an issue. 
XXXX ) I would like XXXX to report my {$26.00} delinquent payment as current due to having cancelled this card with a {$0.00} balance and never being told I was delinquent. Again the only reason I found out is because credit karma emailed me and told me. I never got an email, text, or phone call about a delinquent account. Supposedly XXXX sent a letter but I never got that either. Very possible we threw it away because XXXX mails us like XXXX per month for other nonsense. Very very frustrating that years of hard work on credit can be blown by a XXXX  error like this.
Consumer complaint received 2023-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed bankruptcy and it has been discharged for 3 years. Bank of America will not update their records regarding this nor will they report to the credit agencies.
Consumer complaint received 2023-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I request that you provide proof of the charge-off status for these accounts. In the absence of such evidence, I insist on the immediate removal of these accounts from my credit report. Despite my attempts to clarify the validity of these debts with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), they have failed to provide any documentation confirming the legitimacy of the reported charges. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.
Consumer complaint received 2023-11-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX  XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-11-20
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-07
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

On XX/XX/XXXX Discover received a payment for the amount of {$4000.00} in the form of a Money Order valued at the above mentioned amount, and written with the provisions for a full satisfaction of the outstanding balance. On XX/XX/XXXX I called Discover and spoke with Multiple representatives, where they agreed that they do accept Legal Tender, and was aware of the misapplied payment. At this point there was an investigation initiated, and they credited my account temporarily while the credit was being applied fully. Within 24 hours they reversed the credit without any reason or evidence of an acceptable conclusion. I waited until the next bill came to be listed online and saw there was no correction on the account. At this point I sent another payment to offset the updated balance of {$3900.00} and the 1st legal notice of payment tendered and opportunity to cure along with supporting documents which I have attached here. I have yet to receive a response but am still being collected on.
Consumer complaint received 2018-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation (RI)

I decided to have XXXX  XXXX back in early XX/XX/2014. The office that did the procedure connected me with XXXX/XXXX  ( acct number XXXX ) to finance this procedure. I had the procedure and continued to pay them until this was paid off. They currently have not updated my credit report since XX/XX/2014. I am trying to get a mortgage and this account is killing me. I have called the company ( XXXX ) and pleaded with them to give me some type of letter or info as to the status of my loan. They refused to give me this information. I am now unable to get my mortgage approved without the updated status of this loan. 

I need help to resolve this. 

Please help me to resolve this ASAP. 

Sincerely XXXX XXXX
Consumer complaint received 2021-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (IL)

I contacted JQF Lending, Inc. and applied to refinance my mortgage in early XXXX. My rate lock expired on XX/XX/XXXX. From early XXXX to XX/XX/XXXX interest rates rose dramatically. In late XXXX and early XXXX JQF Lending, Inc. began to request additional documents that were superfluous. It was an intentional delaying tactic. On XX/XX/XXXX they had contacted the insurance company that I insure my home with to change where my renewal premiums were to be sent. It proves that they had already approved my mortgage. On XX/XX/XXXX they sent me a new set of closing documents and added {$380.00} of points. I told them that was unacceptable. After XX/XX/XXXX they again asked for superfluous documents. Today, XX/XX/XXXX they sent me a new set of closing documents that added an additional {$540.00} of points to the {$380.00} they had previously attempted to extort from me. They clearly do not want to do this loan. They should not be allowed to continue in this business.
Consumer complaint received 2023-11-20
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-20
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. (NC)

Proof of these debts need to be provided I never signed anything or contracts with these companies The information being reported is not consistent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (IL)

The following accounts are being reported XXXX my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : XXXXXXXX XXXX  - ( XXXX ) accounts listed have inaccurate payment history reporting and balance XXXX. XXXX XXXX XXXX - inaccurate account balance and payment history XXXX. XXXX - balance inaccurate XXXX. XXXX XXXX- ( Acct # XXXX ) closed XXXXcharge-off account reporting payment history
Consumer complaint received 2018-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

XX/XX/18 Someone named Mr. XXXX called me and told me I was being sued and to gave me a fake court date. He gave me my ssn and my wife 's ssn. Then claimed that I needed to show up in court unless I settled the debt today. I asked which account it was for, how much, and who was he filing on their behalf. He wouldn't tell me. He then said I needed to be a decent human being and pay this debt today. After I asked him what account and when was it from, he began to launch personal attacks. He mispronounced my wife 's name and then just used her middle name. Then said that my wife could have done better than marrying a dishonest person like myself. And then he hung up on me. I called him back 4 different times. He continued the personal attacks and hung up on me each time. He then called my wife and continued the personal attacks. Not once did he say he was calling from a collection agency. Instead he claimed to be an attorney from XXXX XXXX. XXXX. He has now called my work numerous times. I told him not to call me there and call me on my cell. He purposely keeps calling my work and my wife.
Consumer complaint received 2023-05-09
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: Ability Recovery Services, LLC (OH)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Ability Recovery Service for committing identity theft. I have never given Ability Recovery Service any permission to use any of my identifying information to call me or commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and a collection activity, of this and any alleged debts until Ability Recovery Service can provide sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Ability Recovery Service continues its collection efforts. I will file for litigation for actual damages caused and Ability Recovery Service will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant to UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2018-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc. (FL)

Ideal collection services is falsely adding a collections account to my credit report. I was NEVER contacted by this company in regards to such claim. I was never provided any documents, i was spoken to very rudely when i called them. I was advised from them to send a copy of my ID & Affidavit to dispute this issue. Which i did! But still no response from them. They have refused to remove this item from my credit report. They're very unprofessional and spoke to me so disrespectfully. I am very concerned with what they're going to do with my personal information that was sent to dispute this negative item on my credit report. 

I was not given a fair shot to dispute this information before it affected my credit report, which violated my rights. Then i sent in all the correct supporting documents ( which was advised from them ) and they still never communicated back to me by removing this item, never sent me any details about this false account. I want this item removed from my credit report, as it is not mine.
Consumer complaint received 2023-11-20
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. (NJ)

Remove all negative accounts that dont belong to me immediately. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system. Remove all negative accounts that dont belong to me immediately.