davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC continues to call me. I told them not to call and they simply call again with a different phone number. They make multiple excuses for their inability to stop calling me despite my repeated requests for them to stop calling me. Today when I asked them to stop calling me the woman speaking told me ahe " does not know what button to press to stop the calls so she will simply put me on the wrong number list. '' I used to have another phone number and they would call me at that phone number too even though I would tell them to stop. I have diagnosed post traumatic stress disorder and receiving constant unrelenting harassing calls from Portfolio Recovery Associates is causing harm to my mental health. I am also a military veteran facing chronic homelessness and unemployment and receiving these calls from Portfolio Recovery Associates while I am in the middle of a full-blown XXXX XXXX XXXX XXXX only makes things worse. Portfolio recovery will call me when I am unemployed and in an active XXXX state and they will argue with me and refuse to hang up the phone and make demands of me and threaten me until I reach the point that I feel XXXX XXXX. I have discussed this with my XXXX and he advised me to make a formal complaint and block their calls but they keep calling back with different numbers and even when I change my phone number they find it and call me anyway.
Consumer complaint received 2024-01-09
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)

AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS ACCOUNT ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXXXXXX XXXX - XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged item, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

They fail to remove their errors. I did not give them or any third party permission or consent to use my personal information or financial information. They will not remove it. Its a violation of the consumer protection act and fair credit act. They did not provide me any documentation or evidence to support their claims. I ask them to remove it but they failed to do so.
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC (TN)

I have applied for 2 loan modifications due to financial hardship causing us to struggle and get behind paying our monthly mortgage of {$3600.00}, which was both approved but the first loan modification was approved increasing mortgage from {$3600.00} to {$4000.00} and the second loan modification was approved increasing mortgage from {$3600.00} to {$4300.00}. Please advise.
Consumer complaint received 2024-02-09
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. (WI)

I called equifax on XX/XX/2024 to request a copy of my credit reports the agent was foreign and refused to send my call to an American representative I wanted to submit feedback about updating the equifax credit reports to make them easier to read. Similar to XXXX or XXXX
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

This is the fourth Complaint. 
Citibank refused to release a check ( My Salary- I work as a XXXX ) that I deposited into my new bank account this happened back in XXXX XXXX, its been over 4 months now. Got an email from Citibank XX/XX/XXXXXXXX  their response to my complaint through CFPB. Citi stated on the letter that they started the process to return the funds back to the XXXX bank and will take XXXX weeks to complete. Its been over 2 weeks now but still the XXXX didnt get the funds back. 
I contacted the XXXX and asked to call the Bank if the Receive the funds back but still no luck. Citi still hasnt return the funds which is {$1700.00}. XXXX which is the XXXX bank said to call Citibank and follow up with them but I was told before by Their XXXX representative names XXXX that they cant give me any information about the check anymore. So I will just use this flatform to raise this concern hoping that theyll do something about it. Citibank only took a day to deposit the check into my account and took them minutes to froze my account so I dont understand why are they taking forever to do their investigation and return the funds to the XXXX. They supposed to hold the check that I deposited if they have suspicions and return the money to the XXXX but they didnt and I am suffering because of this. They dont even care. 
I attached files.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX
Consumer complaint received 2023-12-13
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. (MN)

Despite my previous 4 written requests, the unverified items still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items are accurate but they failed to send me copies of the documents that they used to verify those accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2023-05-24
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (NV)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX  ( yes, now i'm being transparent, tired of the XXXX ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : XXXX been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a XXXX XXXX NOT A XXXX RESIDENT , lets get this XXXX  together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX XXXXorrected. 

ADDRESSED : TRANSUNION I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX XXXX XXXX account OFF MY CREDIT REPORT all year around also just like Experian did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : XXXX  once again for the 11th time, correct the late payments on the XXXX XXXX XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

So I sent a letter of on XXXX remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 6 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-05-24
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 & block 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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX - XXXX XXXX Balance : {$910.00}, XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2023 XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

I lost my debit card and transactions were made fraudulently while it was not in my possession so I disputed the charges to which NFCU responded that the charges were valid and did not refund me my money in the amount of {$350.00}. HOW CAN I BE HELD LIABLE FOR CHARGES THAT WERE COMMITTED FRADULENTLY?!? 

Please refund my money in the amount of {$350.00}!! 

Thank you in advance!!
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (GA)

Subject : Immediate Action Required : Block and Remove Unauthorized Account Due to Identity Theft as Mandated by 15 USC 1681c-2 ( a ) Dear Experian Team, I am reaching out with an urgent matter regarding an anomaly in my credit report. After reviewing my latest credit report, I noticed an account that I do not recognize : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX  - Reported Balance : {$86.00} This account is unfamiliar to me, and I assure you, I have neither opened nor authorized its creation.
Consumer complaint received 2023-12-17
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. (MD)

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 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
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX ( Lawyer ) Information : XXXX XXXX XXXX XXXX is my attorney, who has been working for me in our behalf with Well Fargo for a long period of time to fix my mortgage issues with Well Fargo. Although i pay our home insurance, they are still adding escrow to my mortgage insurance. It came to a point my wife became so sick because Well Fargo is putting to much pressure into my finance. The money that was removed by the courthouse.Well Fargo Added that money to our mortgage principal and made me pay escrow over it. Nobody informed me until I found out 10 years later. Now, Well Fargo does not want to fix our mortgage payment and gives me the money back that i paid extra for. Well Fargo is not willing to cooperate with my lawyer. I need help to fix my monthly payment and receive my extra money back that I had over the last 10 years. Someone inside Well Fargo is playing with my mortgage for me to lose my house.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX Mortgage is current and never paid late and the credit reporting agency is reporting several late payments.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act XXXX Account capital one, has violated my rights. 
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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-20
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Clied another while working on another, ITS THE SAME THING, EXPERIAN HAS STOLEN NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX