davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-07-08
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. (DE)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$5500.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX THE BANK OF XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I file complaint number XXXX on XX/XX/31 wherein I contacted BOA to report I lost my debit card, went into a branch verified my identity much to my chagrin where the rudest banker, on XXXX XXXX XXXX XXXX hostile XXXX. I couldnt make an appointment because I was locked out of the app. I had no idea what to do was told to call this number then accused of being rude for calling from the lobby sent to an empty office then reprimanded to move again they ultimately unlocked my account. However a new card was never ordered never sent the old lost card is still active Hours upon hours of trying to report my card lost suffering abuse of BOA employees
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
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. (GA)

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2023-08-31
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)

In the month of XXXX, XXXX and XXXX I submitted and FTC report and letter for removal of fraudulent accounts on all 3 credit bureaus. 

Transunion and XXXX failed to properly investigate and remove and block the fraudulent accounts from my credit report. 

All of these accounts were deleted from my XXXX report. 

3 Closed accounts and 2 collections XXXX  XXXX {$350.00} - CLOSED XXXX Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX CLOSED XXXX Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CLOSED XXXX Transunion & XXXX ) XXXX XXXX XXXX {$610.00} ( Transunion ) XXXX XXXX XXXX {$620.00} ( XXXX ) XXXX XXXX XXXX {$610.00} ( XXXX )
Consumer complaint received 2023-07-03
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)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XX/XX/2022, I sent Capital One several endorsed bills to accounts XXXX and XXXX. I sent XXXX more endorsed bills in XXXX and XXXX. Per the card agreement, Capital One does accept restrictive endorsements. Capital One took adverse action against me by closing every account down, and they never updated the account information even though they have received several endorsed bills paying the amount in full. The Bill Of Exchange Act gives me the right to endorse all bills. Capital One is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
Consumer complaint received 2023-03-13
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. (MA)

My complaint is with a financial institution and a credit card bureau. 

I am a customer of XXXX XXXX  ( phone ) XXXX ) ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX I applied to XXXX XXXX for a credit line extension on XX/XX/2023. I was told by phone that my TransUnion credit bureau report has a fraud alert. I was told to call TransUnion and have it removed. I stated to XXXX XXXX  I did not place a fraud alert on my credit report. I called TransUnion credit bureau ( phone ) XXXX. TransUnion stated by phone they did not place a fraud alert and they have not at anytime place a fraud alert on my credit report. I made 3 phone calls to XXXX XXXX and 2 phone calls to TransUnion. 
This incorrect mistake can be solved with communication between the two companies. 
XXXX XXXX said they won't call or contact TransUnion.to solve mistake. 
TransUnion stated they will not call or contact XXXX XXXX to solve mistake. 

I would like this mistake resolved and fraud alert removed from my XXXX XXXX credit line extension application? This has caused a stop on my credit line extension application. Please contact me about solution Thanks-
Consumer complaint received 2023-10-24
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: Goodman Frost, PLLC (MI)

Unauthorized inquiries XXXX XXXX XXXX Goodman Frost Pllc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action - unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Action-unauthorized inquiry on XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to follow up on my previous dispute regarding the late payment entry on my credit report. Despite my previous correspondence, I am disappointed to note that this matter remains unresolved, and I am increasingly concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). As previously stated, the late payment entry on my credit report is inaccurate and unjustified. I have meticulously reviewed my records, and there is no evidence to support the claim of a late payment to [ Name of Creditor ] on the reported date. Furthermore, it has come to my attention that the inclusion of this inaccurate late payment entry on my credit report may constitute violations of the FCRA. The FCRA mandates that credit reporting agencies ensure the accuracy of information contained in consumer credit reports. Inaccurate reporting, such as the inclusion of a late payment that did not occur, not only harms my credit score but also violates my rights under federal law.

I am deeply troubled by the failure of [ Credit Reporting Agency Name ] to rectify this situation promptly. Despite providing evidence to support my dispute, the inaccurate late payment entry remains on my credit report, causing ongoing damage to my creditworthiness and financial standing.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in XXXX XXXX XXXX ( XXXX ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2024-01-03
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. (MI)

I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

You fit send my acct to collections when Im paying direct from bank account every month XXXX XXXX closed my account and never advised me and I have more acts with them in excellent standing My XXXX was back in 2010 The equifax information is compromised because my information was hacked in their system and I have the proof so theyre reporting wrong information in my credit.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (FL)

I am wondering if the fees and charges of interest are legal it seems what the official balance they give me is not the same as the pay off amount. I took it out as a consolidation loan and it doesnt seem to be going down.
Consumer complaint received 2023-12-06
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 accordence with the fair credit reporting act XXXX  Account # XXXX ... 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.
Consumer complaint received 2023-12-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc. (OH)

I filled out three XXXX  Notes Negotiable security agreements I sent them each time XXXX XXXX to NATIONSTAR MORTGAGE LLC dba MR. COOPER. 
As these are securities and are issued by me as my Rights, Tittle 's and interest in the property that the corporation has accepted and not returned them to me or processed the instruments for value received is a breach of contract. As these securities have a cash value and can be traded for federal reserve notes in accordance with the Federal Reserve Act Section 16 paragraph 1-4. Also, the under title 12 USC 412 Application of notes. I Tender three negotiable security instruments which are obligations of the United States Treasury and XXXX XXXX XXXX XXXX has Fiduciary duties to process or return them with a valid reason why the instruments are being dishonored. The three instruments have a value of XXXX XXXX XXXX. Title 12 USC 1813 ( l ) the term Deposit The promissory note when deposited is Money or its equivalent and must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for drafts or checks.
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MD)

The company LNVN Collection brought the debts. The XXXX XXXX has written off the debt. They put it on all three credit report. There never had the original paperwork and all never of my original payment ever.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several investigations have took place, even a civil suit with a settlement offer from an unauthorized person sent from trans union... I would like this account blocked pursuant to 15 USC 1681C2. Transunion is already in receipt of all necessary documents according to FCRA. However their human investigation has not fixed the XXXX XXXX XXXX XXXX ACCOUNT. AMOUNT XXXX. TRANSUNION DOES NOT HAVE AUTHORITY TO COMMUNICATE WITH OT TO THE CONSUMER REGARDING ANY DEBT. NOT ONLY THAT but they refuse to supply documentation given and required by FCRA to include in disputes to which has been submitted to transonic on multiple occasions. Transunion has sent me an affidavit of identity theft has been submitted and sent to the company as of XXXX XXXX as to which I hope resolves this matter. 

The is listed as a charge off, The IRS listed charged offs as income, and income never gets reported to credit bureaus .... I too have filed a 1099-C to the creditor and IRS
Consumer complaint received 2024-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I was contacted today by Portfolio Recovery for a debt owed to XXXX XXXX. I've had XXXX XXXX XXXX cards in the past XXXX years, paid as agreed, and closed by my own recognizance. She didn't want to reveal anything about the supposed collection, but to only admonish me with my rights. I told her I have no debts in collection and hung up.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (CA)

I have IDR through Navient and have for 10 years. Why income driven repayment plan is way beyond what I can afford. However I can not contact Navient. Their only source of contact is XXXX XXXX XXXX. It rings once then automated voice says we can not answer this number for reasons beyond our control. Are they even a company anymore? The internet says XXXX  bought them but XXXX has no record of me. What am I supposed to do??
Consumer complaint received 2024-01-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (SC)

I applied for an apartment online, I paid the fees which totaled XXXX, I requested to have my application moved to the other location. Once my file was transferred I received and email stating that my application will be work on the following Monday. I was approved for the apartment but by that time I decided to not move in for serval reasons. I contacted the manger and explain to them that I wasnt taking the apartment. Management stated no problem. Well two months later I received an alert on my credit report that a collection was added. Ive contacted the apartment complex several times and emailed and no one will answer. I reached out to the collection agency and was told it was an application fee which I provided proof of everything. The collection agency removed there indication of bad debt from one bureau but not the others.
Consumer complaint received 2024-01-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Statebridge Company (MD)

I received a letter from Statebridge saying I needed to XXXX to bring my loan current and that the outstanding due was XXXX. The company had previously been talking to me about what was due pursuant to a notice of foreclosure action. The action requires the bank to allow pay off. The bank refused payment and said I had to go through an attorney they hired and that I would have to pay fees and the due amounts were now XXXX. I sent a check for the XXXX. I then spoke to the attorney and offered to provide payment wire. They refused and said they would only allow me to pay XXXX despite the amount due was XXXX. And the principal balance due was XXXX.