davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar Mortgage requested information that was unnecessary ( confirmation of SSN for tax purposes, even though the institution had already sent a tax form and clearly had this information. They also did not include a postage-paid business reply envelope, as is good practice for business mail. I responded to this and paid postage myself to get this to them reliably. After being told the notice was in error, I have requested that they refund postage. They have refused and additionally, sent me someone else 's information (!! ) in a response. They keep insisting they sent a response envelope that was paid, while a quick glance on XXXX for this joke of a lender would tell you that no-one got such a paid return envelope. Bad practices and privacy violations are just the tip of the iceberg with these guys, but it 's a place to start.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I did not provide consent to allow the sharing of my private information, and the disclosure of this information is unfair and unjust to me as a consumer. According to 15 USC 1681 Section 602 A, I have the right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with 15 U.S.C 1681c. ( a ) ( 5 ), it is stated that no consumer reporting agency may include certain adverse information in a consumer report, with the exception of records of convictions of crimes that predate the report by more than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any person to provide information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Furthermore, it's important to note that they are not even complying with Metro 2 credit reporting standards. I have evidence to substantiate my claim. 

Here 's the list of items in question : XXXX XXXX XXXX Charge-off {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$2300.00} XXXX XXXX XXXX XXXX Collection {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$2800.00} XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Charge-off {$0.00}
Consumer complaint received 2023-11-09
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX acct # XXXX Self Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness This is not my account!!!
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (OH)

On XX/XX/2022 I contacted Fortiva Credit about the process of paying my account in full and closing my account. I was told by a customer representative to send a certified or bank issued check to a given address to which I did. A week later I received a payment reminder of my upcoming payment at that time I called and checked my account status they then proceeded to tell me they havent received my check. They told me it may take up to 10 days to post I kept an eye on my account at ten days I called they then asked me to send my bank information on the check I had sent to a fax number which I did a week later I received a call stating they still havent received my check I again confirmed the address to which I sent to be correct, At this point they told me to re fax my check information to the same number as before I waited for three days and called back went through the whole thing again with customer service at this time I was told that they had given me the wrong fax number I then faxed information again to the new given number. A few days go by and I receive a call stating I was late I again had to explain the situation again and was told to give it a couple more days about 7 days later I received another call and was told I was accruing late charges at this time I contacted my bank and asked to place a stop payment on the check and overnight a new check please my bank asked for me to contact Fortiva for a address to overnight to and a full account number I called customer service they provided me with a overnight address but said it was not possible to provide me with a complete account number they could only provide the last XXXX I then contacted my bank and sent them a payment voucher as I had done with the first check at this point I assumed everything was taking care of but then I get a credit report alert when I checked Fortiva had reported I was 30 days past and do to this my credit report dropped XXXX points. I have never seen a group that was so hard to pay a account in full and close my account as these people ridiculous Thank you XXXX XXXX
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When I had gotten this card, I was in a relationship with someone named XXXX XXXX, He was from Virginia. There was a few instances, When my mother or i were not around, he would sneak our credit cards and use them to purchase video games, or even additions to mobile app games like XXXX XXXX, or desktop games like XXXX XXXX XXXX. I had paid my mom back for the {$300.00} he used her card for. However about half a year down the road when i went to work ( Worked at XXXX for the summer of i believe it was XXXX ), He went and used my Capital One card, and maxed out all of the {$300.00} limit on it, When i advised the company it was not me, they simply said it was " my fault '' and that i can not do anything to dispute the purchases, the only reason I did not do anything about it back then is i was in my early XXXX, How could I know where to start? However I am now in my XXXX and recently found out I can submit complaints about these transactions. Over time the amount due has risen to {$460.00} under the last 4 of the account number of XXXX for XXXX Capital ONE bank USA N A. I have talked to them multiple times but they still said it was my fault, and that I need to pay it. I am now XXXX, Looking to get married to my fiancee, and buy our own house. This is dragging my credit down so far because the company will not listen to my story. I need this fixed so I can support my family.
Consumer complaint received 2022-12-10
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2023-08-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Kentucky Housing Corporation (KY)

In XXXX I logged into my mortgage and pai it off in full. Upon completion my account balance reflected {$0.00}. In XXXX I received a letter stating my mortgage payment was past due. According to the letter I owed {$48.00} that had to be paid via certified funds. ACH never took money out of my account and my online balance showed {$0.00}. I sent a money order and paid the loan off but they marked my payment as late and my credit score dropped from XXXX to XXXX. I never knew the loan was still open and my online balance showed {$0.00} for 3 months.
Consumer complaint received 2018-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

A lady named XXXX from Penn Credit Corp first called me on XX/XX/18 at XXXX XXXX. I called back the same night, XX/XX/18, at XXXX XXXX. She immediately asks me for my personal information in order to verify who I am so that she can tell me what this alleged debt pertains to. She would not tell me what company she's representing or what the debt is. I told her that she has to mail me something, and she refused to. She said she will not tell me anything or mail me anything because " she doesn't know who I am. '' I again repeated, " I don't know who YOU are. '' And she said something like, " Well that's ok if you want to act like that, '' and hung up on me. She/the company has since called me again on XX/XX/18 at XXXX XXXX  and XX/XX/18 at XXXX XXXX. I have not answered, and I have blocked the number. I have not received anything in the mail. This is some type of scam. I check XXXX at least once a day, and I am 100 % positive I have no outstanding/unaccounted for debts. I settled all of my debts last year. 

How she's violating my rights, per your website : will not/has not sent me a written " validation notice '' within five days of first contacting me. Will not tell me how much money I owe or the creditor I owe it to.
Consumer complaint received 2015-04-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (KY)

I paid off my XXXXyr XXXX mortgage on XXXX/XXXX/2015. Nationstar charged me interest through the end of XXXX. Per the Federal Register Volume 79, No. 165, Page 50835 24, CFR Part 20 ( RIN XXXX ) : interest is only allowed to be charged through the date the mortgage is paid. I have made multiple phone calls without any progress on my overpayment. Natoinstar 's customer service has no accountability and are grossly negligent. I will never do business with this mortgage provider again.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my report.
Consumer complaint received 2017-05-07
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. (GA)

When I was notified by   XXXX   XXXX   which purchased the account from   XXXX   XXXX   that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
Consumer complaint received 2020-06-28
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: Experian Information Solutions Inc. (MD)

I am being charged {$1300.00} for an apartment i never lived at. Someone has rented out an apartment using my information. This account was opened fraudulently in my name. I am currently on XXXX XXXX in Washington, DC and not in Georgia
Consumer complaint received 2023-08-04
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. (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
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (TX)

On XX/XX/2023, I applied online for a line of credit. pgrade, Inc. immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Consumer complaint received 2018-04-17
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. (LA)

i had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and that violates my rights as as consumer, i reached out to transunionon more than one occasion to advise of my credit being pulled with out my permission. the listed inquires were pulled with out my permission XXXX XXXX XX/XX/17, XX/XX/17 XXXX, XX/XX/17, XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX XX/XX/17 XXXX/XXXX XX/XX/17 XXXX XXXX XXXX  XX/XX/17 XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I moved out of an apartment at XXXX building ( Owned by " XXXX '', real estate and property management ) in the summer of XXXX, I ended my lease term and moved into a new apartment with no pushback or issues. In XXXX of XXXX, approximately 5 months after my lease term ended, I received a phone call from an individual claiming to be from XXXX corporate regarding a debt I owed in the amount of {$980.00}. This was the first I had been informed of this alleged debt I owed, even though on the phone she claimed there had been multiple letters sent. Due to the little evidence of this being a legitimate debt, and it being the first time I had heard of it, I did not follow up with this individual. On XX/XX/XXXX I received an email from Columbia Debt Recovery LLC, dba Genesis, regarding this alleged debt to XXXX ( email is included in attachments ) This email informed me that the debt increased due to interest {$0.00} due to interest. This email also included all the proper information regarding debt collection. I planned to wait a few weeks and dispute the debt before the deadline on XX/XX/XXXX. On Wed, XX/XX/XXXX I received a text message ( included in attachments ) from what I believe is the same debt collection company ( both use " Genesis '' ) regarding the same alleged debt. However, this message included much less information and used the unfair and deceptive ( and illegal ) practice of threatening to furnish my credit. Not only is this against the law, but it's also completely ridiculous to threaten credit over an alleged debt of less than {$1000.00}.
Consumer complaint received 2022-09-20
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. (MI)

I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. XXXX has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than XXXX hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND INQUIRIES XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-17
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. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-08
Product: Credit reporting 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. (TX)

I am not able to access my credit report. I get a error message. I have changed my password and still not able to access my credit report. I have notified transunion with no response back. I was told someone would call me back to fix the issue. It has been almost a month and no one has called me. I am still not able to access my credit report. 
Transunion is reporting wrong info on my credit report and I am unable to dispute it because I can not access my credit report.
Consumer complaint received 2022-12-11
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states 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 2022-12-11
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states 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 2017-05-07
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. (NY)

Sent letters to all  XXXX  agencies -- -got reports from  XXXX  and  XXXX  BUT ONLY GOT RETURNED LETTER TWICE FROM TRANSUNION  XXXX  CAN NOT GET THROUGH TO THEM IN ANY FORM. HAVE MANY CORRECTIONS TO MAKE ON ALL  XXXX  DUE TO VERY OLD DEAD ACCOUNTS AND VERY OLD CLOSED ACCOUNTS.     IT IS BECAUSE OF THIS VERY OLD INFORMATION THAT I BELIEVE MY IDENTITY HAD BEEN STOLEN TO BEGIN WITH!!!!!!     CAN YOU HELP ME???????     Thank You.
Consumer complaint received 2022-12-12
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX  and account number XXXX Account name XXXX XXXX and account number 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 whiten instructions
Consumer complaint received 2022-12-11
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. (NY)

I owed {$8100.00} on my XXXX bank credit card which I paid off to XXXX balance. As a result of this payment, TransUnion dropped my credit score by XXXX points. When this account originally reported with this high balance, my score had dropped. So paying it off should increase my score. Try speaking with a representative who had no idea as why my score dropped.
Consumer complaint received 2022-12-12
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 accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX and account number XXXX Account name XXXX XXXX and account number 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 whiten instructions