davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

We called on XXXX to PHH Mortgage company as we all bunker down and brace for this Virus to rid itself from our Nation. Loan # XXXX One of Floridians biggest bill is our mortgage and we pay our bill every month. 
Hard working Floridians have lost major income. They sent me a letter of " Temporary Hardship Forbearance Plan Offer, which I don't have to pay anything for 3 months and then on XXXX, I have to pay a lump sum of {$6500.00} We are losing income as our hours are cut and that means a lot of items need to be put on the back burner.That is not help. If, I cant pay now because my work hours have dropped considerable, what makes them think I would be able to pay the 3 months in one shot? 
So, when I reached out, again, to my mortgage company, PHH Mortgage, I reached out by phone, email, by US postal service and by fax, no one answers, no representatives are available, no customer service, please call later the machine says but I keep calling to see, if they can place, at least 3 months to the back end of the mortgage. We are not asking for a freebie just to help out in this time of National Emergency. Modification with forbearance is called.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NV)

I am unaware of these debts. I did not have the opportunity to dispute these debts. I never received proper notifications involving these debts. If in fact it is believed that I have anything to do with these debts please provide proof with a verified and signed documentation. I'd like to have these removed from my consumer report immediately.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Neon Newco Corporation (CA)

I received a credit card named All-Access with a real credit card number and my name on it from Netspendallaccess. This was not requested by me. It seems like some scammer sold my personal information to a private bank and they issued me a credit card without my knowledge or request.
Consumer complaint received 2023-10-10
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)

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXXXXXX 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 2023-10-09
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: EQUIFAX, INC. (TX)

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 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX XXXX XXXX XXXXXXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont even know this company XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act
Consumer complaint received 2023-10-09
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. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been waiting more then 30 days to hear back from XXXX and also transuion and this problem report neither party has given me a reply mail or response images and dates are attached with complain number must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2023-10-10
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)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 2023-06-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX XXXX sold the account to Portfolio Recovery Associates on XX/XX/2021, illegally, without authorization and without having arbitration. The debt collector has posted the illegally obtained debt on my consumer report as a collection, in the amount of {$400.00}. This has directly affected me receiving new credit that was applied for, a {$10000.00} credit card and a {$50000.00} loan.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-02
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PERSONAL INFORMATION WAS STOLEN IN A NIGHTCLUB XXXX, AND I WAS ADVISED TO CONTINUE TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-10-10
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. (TN)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2020-03-29
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Law Office of Steven A. Booska (CA)

This company is trying to collect nearly {$16000.00} on a {$7200.00} private loan debt from XX/XX/XXXX. it was with XXXX XXXX but they bought the debt in XX/XX/XXXX for a few hundred dollars. They sued me in XX/XX/XXXX, but never notified me of the lawsuit or even notified me that I owed THEM the money. I have court documents proving I was insufficiently served but Since i never knew about the lawsuit or court date, I did not show up and a judgement was made against me. I still was never notified of the judgement, or even made aware of the debt ( which had since doubled because of interest ) until last month ( 8 years later ) when my employer received a wage garnishment notice. The next day my bank account was drained, and so was that of my mother and father. I called the creditor immediately because i had no idea why these actions were being take, and the woman told me I must pay her {$8000.00} within 10 days or they will take {$200.00} a week from my paycheck and keep all the money taken from our bank accounts. She refused to tell me whether the statute of limitations were up, and told me to 'ask my grandma to take out a loan to pay them ' or 'ask my boss for money ' to pay them. This was extremely inappropriate and unprofessional. I told her I was getting a lawyer and she told me it was a bad idea because there is nothing I can do. The incessant phone calls and fake legal documents bombarded me and my family. Actions which could have been taken at any point in the last 10 years so i could have worked something out. I went on to get a lawyer, who sent a letter to the creditor saying they are not to contact me or may family and all communication should be through him. Yet every weekend the company sends 'notice of levees ' against me and my parents and continues to harass us. Not only were we under extreme economic hardship prior to their actions, it is now worse and taking a toll on my well being and the well being of my family due to their relentless attempts to strong arm money out of an already struggling family.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX XXXX ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (AL)

XX/XX/XXXX It has come to my attention that an Application called XXXX ( APP ) that I had been using to keep track and pay my credit cards had some technical issues and was not syncing and servicing to 2 of my accounts. This resulted in XXXX consecutive missed payments this past year. The app was called Prism and it was a bill pay and bill tracker app. Apparently I have not been the only person with this issue as it is no longer available to view or download on the App store. 

I am in the process of moving and trying to secure a new lease for housing for my family and this has greatly affected my credit score as I am told. I would greatly appreciate if I could have these late payments removed from my credit report since this was a technical error with these 2 accounts. The Prism app showed that the payments were made on my end but the money apparently never left my bank account to pay the bill. This only happened on 2 of my accounts thankfully but it was difficult to catch the error and wasnt noticed for several months. 

I have listed the accounts below and would ask that these delinquencies be removed to help me secure a new lease for housing for my family. 

# XXXX XXXX XXXX XXXX # XXXX missed payments XXXX, XXXX, XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX missed payments XXXX, XXXX XX/XX/XXXX After this error was noticed, I have stopped using the Prism app and pay my bills directly without a payer/tracker app and all payments have been made on time. I have spoken with the credit card companies directly since this was over 1 year ago that it occurred and was no fault of mine and they will not assist me. 

Please help to assist me with this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, AL XXXX SS # XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2023-10-10
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. XXXX XXXX XXXX  ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I can not gain access to my Transunion Credit Report, I have contacted Transunion about this problem they told me there was an error code on their end and said someone will contact me within 7 days to fix the problem,, They never called me, i called back and they keep telling me the same thing 3 times even offered me a case # XXXX to no avail., they don't seem to value consumers time and needs..
Consumer complaint received 2024-05-06
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: BARCLAYS BANK DELAWARE (NY)

I am filing a complaint regarding a disputed transaction with my credit card company, related to an order placed with XXXX XXXX on my XXXX XXXX XXXX XXXX Despite multiple attempts ( online, over the phone, and my letter ) to resolve the issue directly with my credit card company as a chargeback, I have not received a response. 

Summary of the dispute : - I attempted to cancel the transaction shortly after the purchase due to selecting the wrong model. 
- Despite providing more than XXXX hours ' notice before shipment, the vendor failed to acknowledge my cancellation request until almost a week after the order was placed, by which point they had already dispatched the item. 
- The vendor proceeded with shipping the product despite my cancellation requests. 
- The vendor insists on charging me restocking fees and return postage for a product I never intended to receive due to their delay in responding to my cancellation request. 

I have also sent a demand letter to the company ( in XXXX ) that operates as " XXXX Cases ''. I received no response from there. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action. I have attached a copy of the letter I sent to my credit card company, along with a copy of the email chain with the vendor. 

Thank you for your attention to this matter.
Consumer complaint received 2023-10-09
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. (NY)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.
Consumer complaint received 2023-04-13
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$960.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-21
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. (TX)

In accordance with the Fair Credit Reporting act. the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian and XXXX to reinvestigate this account : Account name : XXXX -- - Account Number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I requested proof of documents to this account and they could not provide any proof. 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case