davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (SC)

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 604 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions There are also several inaccurate information on this account, dates and amount owed
Consumer complaint received 2022-11-25
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. (IN)

XXXX account was paid in full and closed on XXXX. I have sent TransUnion proof of this and they will not correct there inaccurate reporting. Attached is a copy of the email from XXXX that sates " PAID IN FULL '' and a copy of the paid in full contract. I have disputed this account with TransUnion 2 times with the last being on XXXX. I have also attached proof of TransUnion ignoring my request for investigation and stating that they are not changing the inaccurate information. Something really needs to done to enforce FCRA regulation.
Consumer complaint received 2023-05-16
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. (AR)

This is my fourth attempts 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 erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : 1XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Consumer complaint received 2023-06-05
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)

In Response of the medical collection agency I have provided proof that I wrote concerning the account over a year ago not only is not mine but its been reported in the past as XXXX XXXX XXXX XXXX and Now today showing as XXXX XXXX XXXX trying recollect as a New DEBT collection. This again shows and expresses that this company has resold this Debt collection Claim to another collection agency to try to Recollect a debt and also Negatively Report to my consumer account after it once been removed.
Consumer complaint received 2017-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

I purchased replacement parts for my Sears stove via telephone from XXXX because the website was not loading. I used my Sears store credit card for this purchase which totaled {$210.00}. After the purchase, I contacted Sears credit card customer services and asked if this amount was eligible for a 6 month promo. The rep put me on hold to check if this was possible, and came back to the phone call and said yes, she would put this purchase on a 6 month promo. She read to me all the terms and conditions, i.e., interest would accrue, if I do n't pay it off in 6 months the interest would be charged, etc. I then advised her that I currently have another 6 month promo on this card, and wanted to make sure as I make my payments, the payments would be applied to the promo that ends first, and she said yes. Based on our conversations, when the call ended I was certain that this purchase had been placed on the promo we discussed. However, today, I get an emailed letter from Sears credit services, saying that a " request '' was submitted to apply the promo to that purchase, and they will review the request and get back to me in 2 billing cycles.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 u.s code 1681 a ) Accuracy and fairness of credit reporting I have been disputing inaccurate information on my credit report with Transunion via online as it gives me an option for certain criteria and other information you have to call in & dispute with a representative. I called TransUnion and spoke to a lady whom informed me on XX/XX/XXXX XXXX XXXX XXXX central time that I need to file a complaint with CFPB to have any inaccurate information such as inquiries removed!
Consumer complaint received 2023-01-20
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 Balance : {$0.00}
Consumer complaint received 2023-06-05
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)

Company has reported XXXX XX/XX/XXXXon my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I currently have Bankruptcy that is reporting on my credit and has been for a while. A XXXX  XXXX and a XXXX  XXXX. I have been disputing for almost a year and has had no results. It keeps coming back verified with no proof that it is mine. I have had Lexis Nexis dispute this information With No results from that as well Because they claim it is where they are getting the information from But there is NO Bankruotcy on my XXXX XXXX.
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The XXXX courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below. 

UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY. 

Please reference for proof of this violation and false reporting : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ).
Consumer complaint received 2017-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I was on the website XXXX. There was a link on that website for a {$200.00} Peoples United Bank checking promotion. I clicked on that link and opened a checking account. The requirements were : Have a direct deposit of at least {$100.00} within 60 days of opening the account and at least 10 debit card purchases of at least {$25.00} each post to the account within 60 days. I met those requirements in XX/XX/XXXX and the bonus was supposed to post in 90 days ( which it did not ). After contacting Peoples Bank numerous times and getting the run around, I was last told that I was not on their targeted list for this promotion which is why I did not receive the {$200.00}. The bonus language did not say anything about being on their targeted list. It was a link on XXXX with an offer of {$200.00} after meeting the terms and conditions. Please publish this complaint so others can come forward and perhaps file a class action lawsuit against the company for deceptive practices.
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you again today to inform you I was the victim of identity theft. the accounts I am disputing today for the erroneous accounts in my report and I need them removed immediately, Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$880.00} XXXX & XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$360.00}
Consumer complaint received 2023-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is denying my PSLF application due to the employer signature not being valid. The form contains a physical signature from each of my employers.
Consumer complaint received 2023-05-16
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
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. (CA)

In regards to the current lawsuit I am a victim of predator lending from credit acceptance. 

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. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

have an account with Lexington Law, opened on XXXX XX/XX/XXXX. I had one negative creditor due to me missing XXXX payments, and it was hurting my credit score. I disclosed that to Lexington Law. They stated that they would help me remove the negative charges, and help me get my credit score back up. They took out a payment of {$130.00} on the XXXX of XXXX and on the XXXX of XX/XX/XXXX. My credit score dropped by XXXX points when I checked on it in XXXX. I could not access any documents to show proof of what Lexington was actually doing for me. I got assistance from XXXX XXXX XXXX from a financial counselor. We called XXXX and spoke to XXXX at XXXX on XXXX XX/XX/XXXX. He stated that Lexington had sent an intervention letter to investigate those late payment items. I stated that I knew I was late and the charges were accurate. I was told that the services would improve my credit score, and instead it had dropped further. I requested a refund of both of the payments and for my membership to be canceled. At XXXX XXXX instead tried to change my membership, and I refused and again stated that I wanted a refund and to cancel the membership. At XXXX I asked directly, Are you refusing to cancel my membership? and XXXX said, No worries. He then stated that he was willing to cancel, but I had to make a final payment of {$120.00} on XXXX XXXX. At XXXX I asked XXXX to confirm, and he stated that Yes they will not be refunding me for any of those XXXX payments. I persisted that I wanted a refund, and to cancel. At XXXX he transferred me to his supervisor, XXXX. He asked if I had late payments, and when I responded yes, he said XXXX, okay as if that was new information even though I had disclosed that at the start of my membership with Lexington Law. I again asked for a refund. XXXX said he can only refund XXXX month, and refused to make the full refund of 2 months payments. He confirmed that he was canceling the XXXX XXXX payment of {$120.00}. My financial XXXX again informed him that it is illegal to dispute when the charge was accurate. We finally agreed to take the XXXX month refund he was offering, and informed he that I would be filing a CFPB complaint about this issue.
Consumer complaint received 2017-02-05
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dealer Funding, LLC (SC)

I have something for a Dealing Funding LLC I have n't had a vehicle from them before. They stated on my credit report that it 's a joint account and that it 's a repossession. I have never had a vehicle repo before either. I have always bought my car straight right until three years ago in XXXX of 2013 as you all can see on my credit report also. I have even tried to contact them from the contact number that 's listed on my XXXX credit report, but unfortunately I was n't able to get through due to it 's an none working number. I also contact XXXX to get another number, but that 's the only contact number that 's on file XXXX.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (AZ)

I had a 3 month covid Deferment with XXXX, XXXX and XXXX 2020 with BBVA compass bank that was bought last year with pnc bank. I am up to date on payments and no issues at this time. I need copy of my deferment agreement for a second mortgage with XXXX XXXX XXXX. XXXX XXXX XXXX  is requesting a copy of my deferment agreement, and I have for three weeks multiple calls to PNC bank that has bought BBVA compass have tried to get this document and they can not located it. I have talked to supervisor, escalated this matter. They simply can not locate it and are not willing to give me any documentation regarding this Deferment agreement other than my statements. XXXXXXXX XXXX XXXX says they need a deferment agreement and PNC is required under federal law to have a copy of it to send me. PNC is they lost a lot of documents during merger they are unable to locate it and unable to generate a new agreement. I really need help getting this document, and on line tons of similar complaints that have gone unresolved, so I am just super confused what to do next. All I need is my deferment agreement from PNC and they can't fine one to send me!
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Credit Management contacted my work about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I also received a summons for this debt to the local court house with documents that were heavily redacted attached to include the loan amounts, account number, and even the signature line redacted so that I couldn't see if it was even a real debt. I couldn't even call to ask about the debt because there account numbers are redacted. There is no wet signature or any verification of this alleged debt. I have never received a validation of this debt or any notice of debt from Midland Credit Management nor have I ever heard of this debt collection company. I have never been provided any change to dispute these two alleged debts due in the amount of {$730.00} and {$490.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Consumer complaint received 2021-12-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

Equifax Credit Agency committing intentional identity fraud without thoroughly investigating. I received a XXXX XXXX Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The fraudster 's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. XXXX XXXX that I am paying for on a monthly basis and I have proven documents to show that the XXXX XXXX belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. Equifax did not thoroughly conduct an investigation and have listed my XXXX XXXX information on the above fraudster 's Equifax profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my XXXX XXXX information without getting legitimate proof. I would like to file a complaint against Equifax. I have a monthly subscription with Equifax to prevent this issue from happening with XXXX XXXX. I am very upset!
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group (MI)

CKS Prime Investments LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from CKS Prime Investments LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$540.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

A Capital One account was added to my credit report in XXXX after it was received by a collections agency, XXXX XXXX XXXX XXXX in XX/XX/XXXX. It's showing the Capital One account was opened in XX/XX/XXXX. For the past XXXX years I have been contacting XXXX XXXX XXXX to obtain verification of this debt. The only information they have provided me are copies of billing statements. I confirmed today ( XX/XX/XXXX ) they do not have a copy of the original contract/application so I can confirm how this account was opened. I am not sure how a collection agency say I have a debt, but they can not provide documentation showing how the account was opened.