davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (TX)

We have applied for a lower interest rate refinancing with Flagstar Mortgage. The underwriter is declining only verbally refinancing us. We have not received in writing the underwriter reasons. 
Flagstar says after 4 months of starting the process that the reason for stopping the process is : Due to Covid we have not cashed our IRA funds distribuitition so our taxable income is less but the saving are still the same. We have the funds, the money the savings. We have also had our account with Flagstar for 3 years and never missed our payment, our Credits scores are higher than XXXX as well.
Consumer complaint received 2023-09-04
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. (MO)

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 has violated my rights. 

15 U S C 1681 section 604A : 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 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELYI
Consumer complaint received 2018-04-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rocky Mountain Capital Management (IN)

I obtained an online loan through XXXX XXXX XXXX  on XX/XX/XXXX in the amount of {$1600.00}. after paying on the loan in the amount of {$190.00} every 2 weeks, the last payment being made on XX/XX/XXXX and paying a total amount of {$590.00}, I was unable to cont paying every 2 weeks at that payment amount. I tried to work with XXXX XXXX on a payment arrangement to pay off the amount owed, however they were unwilling to work with me. After doing some research I noticed that they did not have a license to lend in Indiana, so I revoked my ACH with them. They have since charged off my account, but they have sold it to a 3rd party collection agency. The name of the 3rd party collection agency it was sold to is Rocky Mt Capital Management. I was told it was sold to them on XX/XX/XXXX. I have not received any information from them in the mail and last week I began getting contacted by someone by the name of XXXX XXXX, saying I owe {$3100.00}, but her client will settle for {$2300.00}, if it is paid by the end of the month. She tells me she works with XXXX XXXX  in XXXX XXXX, and her client is Rocky mt Capital. I am unable to pay this amount. If this amount isn't paid she said that her client will file a suit against me. I told her I never received anything in the mail. She also told me that the amount of my payment with XXXX XXXX was {$50.00} a month and that I only paid 1 payment which is untrue. She has me call one number to contact her, but calls me from 2 other numbers, one is a XXXX XXXX number ( XXXX ) and the other is an XXXX, XXXX number ( XXXX ), but the number she has me contact is XXXX. I called the XXXX In number once and a XXXX answered the phone. I hung up, it all just seemed fishy to me. Not sure how to go about resolving this mater. I do not want to be sued, but I can't afford to pay what they are saying I owe. I don't have a problem paying back the principal amount of what I borrowed, but I would need to set it up on payments. And I don't even know if any of it is real, with the tactics they are using.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (MI)

Well its been about 45 days since i made my first complaint against this company. I've done everything they have wanted me to do and yet i still haven't received my payment and no one will answer or return my calls or emails at this point when i try to inquire about what's going on with my payment. Just from this experience I will tell you I will never bank with this company after all this run around.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I called the company XXXX XXXX to settle on a payment to be able to take this account off my credit report. XXXX XXXX agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Roosen, Varchetti & Olivier, PLLC (MI)

On XX/XX/XXXX my bank account was garnished about XXXX. I obtained information on garnishement from my bank. Garnished by Roosen Varchetti and Oliver. I searched their phone number and realized I had blocked this phone number on my phone in Early XXXXXXXX XXXX after multiple harassing, repeated phone calls. I get client calls on my phone so on XX/XX/2023, after receiving 2 calls in 2 minutes, I finally blocked the number. At no time, did this phone number leave a message to identify who they were or why they were calling me. My decision to block this number came after multiple days after repeated phone calls in short time frames. I am sure it was more, but the only ones I have documented are through XX/XX/XXXX. I see that they called on XX/XX/XXXX but do not have times documented. They called 2 times in 5 min on XX/XX/2023 ( XXXX and XXXX ), called 2 times in 3 minutes ( XXXX and XXXX ) on XX/XX/XXXX, 2 times in 11 minutes on XX/XX/XXXX ( XXXX and XXXX ), FIVE times in 20 minutes on XX/XX/2023 ( XXXX, XXXX, XXXX, XXXX and XXXX ) and finally, on XX/XX/2023 they called 2 times in 2 minutes ( XXXX and XXXX ) so I finally blocked the number. At no time, in any of these calls, did they leave on single voicemail. I blocked them because they were disrupting my work and not identifying themselves. I belive if they were not attempting to contact me in this manner, I would have been able to work something out with the debt that was owed.
Consumer complaint received 2023-09-27
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)

I am writing to file a formal complaint and address a matter of utmost importance concerning the rejection of my dispute due to a missing address on my FTC report. This issue not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns related to the Fair Debt Collection Practices Act ( FDCPA ). 

Issue : I have been diligently working to rectify inaccuracies on my credit report, specifically regarding the [ XXXX Account ]. In my recent dispute submission, TransUnion rejected my dispute due to a purported missing address on my FTC report. This rejection not only undermines my rights under the FCRA but also raises concerns regarding the handling of my dispute, which falls under the purview of the FDCPA. 

Updated Information : I have taken immediate action to address the missing address concern on my FTC report, ensuring that it now reflects my current and accurate address information. 

Request for Reconsideration : I hereby request that TransUnion reconsider my dispute, taking into account the updated information on my FTC report. I urge TransUnion to conduct a thorough and fair investigation into the inaccuracies associated with the [ XXXX Account ]. The FCRA obligates credit reporting agencies to promptly correct inaccuracies and conduct reasonable investigations into consumer disputes. 


I want to emphasize that this issue extends beyond mere inaccuracy on my credit report. It involves a potential violation of my rights under the FCRA, which was enacted to protect consumers like myself from the consequences of erroneous credit reporting. Additionally, I have concerns about compliance with the FDCPA in the handling of my dispute.
Consumer complaint received 2023-08-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2024-04-04
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: EQUIFAX, INC. (CO)

I had to call after 1 month to get a rude, disrespectful XXXX stating, your dispute was resolved!?? It was? and why wasn't I notified? He completely sided with the collection agency and when I asked for more detailed proof of what allows this {$140.00} claim to lower a credit score from XXXX for decades to XXXX, he said that's how it works. He then proceeded with smart XXXX tone, " do you want to dispute again? '' YES I replied but he then said, it will have the Same outcome!! How does he know? Why the refusal for XXXX report information detailed? Corruption is clear, this is extortion!!
Consumer complaint received 2023-08-08
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. (NY)

This is my numerous 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, REMOVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (UT)

I went to XXXX and XXXX and XXXX provided me access to my free credit report immediately. Equifax denied me access and told me to call customer service at XXXX, but all I got was their stupid XXXXouch-tone bingo menu system. No human ever came on the line. 

Equifax is a lousy company.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted all three companies bureaus transunion, XXXX, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with transunion, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX. I have no other variations or spellings. 
My address is XXXX XXXX XXXX XXXX, Texas XXXX. I have no other address nor have I ever.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, 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. ()

For MULTIPLE years I have experienced the following problem with Transunion XXXX. 

1. Multiple websites with broken links, unclickable buttons, and a faulty payment processing system that refuses to accept my card and then forces me to call in.

2. On call in, agents play XXXX, refuse to comply with assistance, transfer you back into same que while telling you they are transferring you to the right department, and out right hang up on you. Indeed, this all happened again just today, when I was hung up on multiple times, including by XXXX, an account supervisor in the phillipines callcenter. 

As a result I can not get my credit score, and it takes multiple hours to even come close. 

I saw that there is already a privacy class action lawsuit in the USA against Transunion, and I am strongly considering putting out a press release about this, and launching a class action lawsuit of my own. I personally know multiple people with the same problem with Transunion. 

To begin this complaint, I have formally requested what is my right : a copy of all recordings from my phone number XXXX over the last 12 months, so I can demonstrate my case. I was then hung up on again. 

Therefore, I am asking the CFPB to help me attain these recordings from Transunion XXXX, so I can have evidence for my complaint. I can not access my score at this time despite multiple documented attempts. 

Please advise.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent several letters to Experian ( consumer reporting agency ) to update my credit report to remove any employment info from my report as they do not have my permission to report this info. Additionally, I've sent them letters informing them my only name that should be reported is XXXX XXXX XXXX and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. Any names or addresses that differ, need to be removed. 

Experian also emailed me a recent update regarding my dispute. In this update, they noted " At your request, the following organizations will receive the results of your investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I did not request for them to send the results to the aforementioned companies. This is a violation of my rights per the FCRA. Furthermore, Experian is reporting erroneous information as it pertains to an alleged debt with XXXX XXXX XXXX. They did not send me a method of verification as requested. This account should be removed from my consumer report as it is causing me harm, stress, and the inability to to obtain additional credit. Experian also continues to send stall letters every time I dispute to discourage and intimidate me from taking further action.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (TX)

I have been receiving repeated calls from a collections company that identifies as Sequium Asset Solutions. I have checked this company online and they are located in XXXX, GA. I believe I do not owe money to any provider. The representatives do not discuss what this alleged debt is about not do they give me information, unless I first confirm the numeric portion of my residential address and the last 4 digits of my social security. I have consistently declined to provide this information, unless I know what the call is regarding to and have repeatedly requested that they instead send me a letter, since they seem to have my address. I am concerned because the XXXX has received MANY complaints about this company reporting to the credit bureau on accounts that do not exist or where money is not owed.
Consumer complaint received 2023-08-09
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. (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 2023-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (FL)

I had a XXXX credit card that I payed off the balance and closed in 2021. The company First source insists that I owe {$210.00} that I need to pay. XXXX  can not " find '' my account because it's closed. Yet I am still getting emails and calls from First source insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to XXXX and they now own that debt ). Attempts at clearing this up with both companies ( XXXX and First source ) have not accomplished anything. Please help.
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OR)

I was contacted by XXXX XXXX XXXX XXXX in XXXX regarding supposed debt, I requested proof of debt and did not receive it. It is now XXXX, and I'm being served with a writ of garnishment for a judgement in XXXX obtained by XXXX XXXX XXXX XXXX ; I was never served with a court order or summons to respond and have no knowledge that this case even went to court, so to be served a writ for garnishment for a judgement I had no knowledge of is a complete blindside and shady practice on the part of XXXX XXXX XXXX. I was never served or given an opportunity to respond. When the judgement was obtained, it was done so illegally, as the statute for collection on said debt had expired and they had no legal right to even collect on the debt.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by XXXX.
Consumer complaint received 2023-11-04
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. (GA)

I recently received a copy of my credit report and I notice there is outdated and unauthorized information that needs to be deleted and removed. 
I am currently an inmate in a federal facility. I have attached a letter from my case manager confirmed my incarceration dates. I did not authorize any of these inquiries. I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX and Transunion are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by XXXX.
Consumer complaint received 2022-11-29
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. (TX)

n accordance 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