davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # 's : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (AL)

I opened an account with Affirm : XX/XX/2023 I made my payment for that month out of my checking account on line. Affirm refused to recognize my payment made and is trying too recharge me on XX/XX/2023 for the same payment by saying that I am late with my payment! I owe less than {$100.00} on this account and after I pay it off I want be doing any more business with Affirm because they have pulled this on me before! They financed a used XXXX laptop from XXXX and it hasnt worked since day one. Its a peace of junk!
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-31
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. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-11-03
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)

XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.
Consumer complaint received 2023-09-04
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 one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX  XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting a collection on my report which is not mine and nothing to do with me. the collection name is XXXXXXXX XXXX  and it says that I have a balance with XXXX. I never ever ever in my life had an account with XXXX or did any business with you. I have been with XXXX XXXX XXXX for years now. I have no idea what this is but definitely not my account and transunion is reporting this unlafully without obtaining the required documents and verification that they need to follow. 

I have sent them a letter in regards to this and also asked that they provide me with any contract between me and XXXX that has my name and signature but they have failed to provide me with that proof. 

they are illegally reporting this collection account to my report without the proper and verification that they need to do to verify that this account is actually mine. 

I never ever had a XXXX account. this collection is very damaging to me and is illegal.
Consumer complaint received 2023-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

I was on forbearance due to sickness directly related to Covid and I was unable to work. My mortgage was sold twice while I was in the hospital. I was told I would have multiple options once I came out of forbearance. However, the new mortgage company is demanding that I pay the entirety of a little over {$14000.00} in XXXX lump sum or I would have a foreclosure. I have lived in my home for ~ 10 years. They lied about what my options are and I cant have my son and I be homeless. I have all the medical documentation showing the reason for my unemployment and why I needed forbearance.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$290.00}
Consumer complaint received 2023-09-03
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)

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. CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-09-04
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

RE : Response to CFPB Complaint ( Complaint # XXXX ) I am writing in response to your reply to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), referenced above. In your correspondence, you stated that It is TSIs intent not to have any communication with me in reference to the above account. Moreover, you provided contact information for XXXX XXXX XXXX for any further questions regarding my account. I must bring to your attention that despite your intent, communication regarding this alleged debt has not ceased. 

Furthermore, I have made several attempts to reach XXXX XXXX at the number provided ( XXXX ) XXXX, leaving messages with the intent of discussing the matter. To this date, I have not received a response. 

It appears that Transworld Systems Inc. is in clear violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692g ( b ). According to this law, TSI has failed to : 1. Provide proper verification of the alleged debt. 
2. Provide judgment of the alleged debt.

3. Cease collection of the debt until TSI obtained verification/judgment and mailed such findings. 

Please be aware, the statement that was previously provided does not pertain to me, as it does not bear my name. This is a critical error on your part. 

In addition, I filed a dispute directly with XXXX regarding this alleged debt. On XX/XX/2023, XXXX responded to my dispute stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. The account in question ( # XXXX ) was verified as belonging to me, with certain fields modified. This verification is perplexing, given that TSI has not complied with the necessary requirements to substantiate this debt.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

PNC bank committed security fraud, by accepting XXXX : XXXXXXXX XXXX XXXX, and making multiple trust acts with corporations that PNC created agencies with through advertisement, which caused PNC breach of fiduciary duty, in malice. SEC Rule 10 b-5 PNC Bank malfeasance in public office during XXXX : XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Atlanticus Services Corporation (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my ile or digital federally protected consumer rights to avele privacy and confidentiality under the 15 USC 1681. FORTIVA CREDIT CARD ( XXXX ) has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I have not supplied any proof under the doctorine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore in fact not such debt exist.
Consumer complaint received 2024-03-31
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. (GA)

REINVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting.

TRANSUNION is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to TRANSUNION and neither did I XXXX XXXX provide information or give them permission to report information. 
15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. 
THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. 
HOW WAS THE INVESTIGATION CONDUCTED? 
PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX
Consumer complaint received 2023-09-27
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$5500.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00} XXXX  XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$5500.00} XXXX  XXXX XXXX  Balance {$640.00}
Consumer complaint received 2023-09-03
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. (OR)

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I can not lift the freeze on my credit. I tried logging in online, which failed. I tried to reset my password but that page did not work. I tried with two browsers. I called tech support. The agent reset my password but then I could not change my password. The system returned an error that there was a problem on our side try again later. I tried again later it still didn't work. 
The agent said to call a number to lift the freeze. I tried calling but could not get through to an agent or was disconnected after answering numerous questions. I tried 3 times, 2 times the automated system would say we are having trouble matching your information, the third time I briefly got to an agent but was disconnected. I need to lift this freeze to make a purchase. I have spent over 30 minutes trying to lift the freeze.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (GA)

I received a letter from Online Information services regarding an account from a utility company. I disputed the account through XXXX and it initially came back validated. So I then wrote a letter ( Mid XX/XX/2023 ) to Online information services requesting the following information : 1. A detailed list of history of payments made by me on this account to include date account was opened, date of last payment, and the amount of the original debt.

2. Notification if any insurance claims have been filed on this debt.

3. Proof of chain of title for Online Information Services.

4. Also if this debt was incurred due to any anomalous condition, I need proof of ownership of failure. 

Online information services responded with the letter attached that is dated XX/XX/2023 and stated that they have no duty to report the requested information to me and again attached account activity from XX/XX/2023 to XX/XX/2023. This account has been open for 3 years or more. 

I resubmitted a dispute with XXXX after their response and the dispute result was favorable and the account was removed from the derogatory remarks section. 

Then I realized I had to dispute the other credit agencies and did so with XXXX next. 

The dispute came back validated and when I contacted XXXX they referred me to CFPB because a supervisor stated that all they got was a statement saying the amount billed was accurate and did not require proof from the debt collection agency. 

I have not been able to get proof of any validation of the amount of this debt from the utility company, the debt collection agency ( Online information services ), or XXXX.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (FL)

Gap/Barclay did not reach out to me prior to closing my Gap/Barclay credit card even though they had my email address & phone number on file. They informed me that they had sent notices to my phone which is not correct as I did not receive any emails or texts from them related to the account. In addition, they allegedly mailed out bills that I never received dated XX/XX/XXXX through XX/XX/XXXX on a late fee of {$21.00}. I finally received a bill at our Florida address on XX/XX/XXXX that was dated XX/XX/XXXX with a printed due date of XX/XX/XXXX. I immediately called Gap/Barclay on XX/XX/XXXX & had a long conversation explaining to them that this was the first bill I'd received & I did not realize I had a late fee due. I asked them to consider eliminating some of the additional late fees of $ XXXX & they agreed to eliminate 2 of them. I immediately paid them {$130.00} ( as on their most recent statement ) from my online XXXX XXXX XXXX account that same day & told them it would be delivered on XX/XX/XXXX. I then subsequently received a letter from Gap/Barclay on XX/XX/XXXX, but dated XX/XX/XXXX ( attached ), stating my credit card account had been closed based on non-payment. I called them on XX/XX/XXXX upon receipt of this notice. They told me they had not received the Payment of {$130.00} on XX/XX/XXXX from XXXX XXXX XXXXXXXX, despite the fact that it showed on my bank account that it had been paid XX/XX/XXXX as we had discussed on XX/XX/XXXX. They told me they were placing a " missing payment report '' to try to find the payment already made. I am amazed that they had all my contact info ( cell & email ) on my credit card account but no one even thought of e-mailing me or making a phone call to notify me about the payments not made. I have no desire to have another credit card with them, and I am very upset that my credit rating will be affected by this. My only request is that Gap/Barclay make XXXX there is no negative information on my credit report which has be stellar up to this point.
Consumer complaint received 2016-09-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I changed my insurance on XXXX XXXX. They failed to recompute the escrow in a timely fashion. They also paid both insurance companies. I sent both the principle and interest and the money they told me I needed to replenish escrow. They made several other errors/slow calculations/mishandling of escrow funds that took over month to straighten out. Even though I had sent them more than enough money to cover my principle/interest and escrow, the reported me to the credit reporting agencies as having a late payment.