davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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. (NY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX, CA XXXX SSN : XXXX Date : XXXX I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You, XXXX XXXX
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.
Consumer complaint received 2023-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I was notified by our lender when applying for a home that my Equifax report is coming back with an issue and that I would need to call Equifax to get it resolved. I called Equifax on XX/XX/XXXX and was told that I would need to mail documentation of my social because I was not pulling up in their system. On XX/XX/XXXX I overnighted through the post office my W2 and a copy of my drivers license. I called multiple times and they said nothing was received. On XX/XX/XXXX I received mail from Equifax stating that they received my information but they were unable to locate my credit file. I called Equifax again on XX/XX/XXXX and they told me that a lady by the name of XXXX XXXX at the address of XXXX XXXX XXXX in XXXX, IL was using my social, but they could not tell me any more information. I went to submit a report with the FTC on XX/XX/XXXX and they asked if this woman had used my social to open any accounts. Of which I did not know the answer to, so I called Equifax back on XX/XX/XXXX and they said we can't find you in our system. I hung up and then called back and asked to speak with a supervisor. XXXX, the supervisor stated that if he could pull up the documents I sent in he might be able to figure out what is going on. After being on hold, he then comes back to tell me that they can't find the documents that I mailed in. So he wants me to mail them in again. I asked if there was any other options as clearly their mail does not get reported correctly as I got a letter stating they got my documents, but now no one can find the documents. The only way to send in the documents is through the mail. This is concerning because if these documents are lost, how do they know that they did not end up in the wrong persons hands? And now I have to mail documents again and hope that they make it there and are recorded correctly. Please keep in mind that XXXX as well as XXXX have XXXX issues with pulling up my information. It is only Equifax that I am having issues with. This is delaying our home buying process and it is very frustrating.
Consumer complaint received 2024-06-14
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. (NJ)

I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Consumer complaint received 2024-06-14
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. (IL)

I respectfully ask that you conduct a thorough investigation into this matter, acknowledge the error, and swiftly rectify it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are greatly valued and appreciated.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I was checking my XXXX ID personal protection Today and there are several delinquent recorded debt information from creditor, some of which can't be verified, saying that there is adverse credit information from 7 creditors which some I know are credit cards but others can't be determine. 

This information was obtained from experian. 

As I indicated to you there as but and on going problems with creditors and banks, which has been filed.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over XXXX  days ago, I have not received a response, and there has been no satisfactory validation provided. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-23
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

I agreed with the property manager XXXX XXXX to not receive collections on my credit report as long as I made monthly payments on my early lease termination fee I immediately made monthly payments on time and upon making my third payment the manager XXXX XXXX left the property and XXXX XXXX who has been processing my payments at the apartment stated my agreement with XXXX XXXX is no longer valid and I need to contact Pro Collect. I never got my monthly payments credited. Pro Collect stated they had been trying to get in contact with me and if I do not make the full balance payment by Friday XX/XX/2023 they will report my balance to the credit bureaus to make sure I never rent a place to live again. Pro Collect refused to accepts payments.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have my bank automatically send my mortgage payment to my mortgage company, Mr. Cooper. My bank shows all payments since the start of the mortgage have been accepted by to mortgage company. The mortgage company has stopped applying the payments to my loan since XX/XX/2023 and has sent me a letter threatening foreclosure. The only means to contact them provided by them is a phone number that is answered by an automatic answering program. This program does not have any options to address the lack of applying my payments to my loan. When I ask or try to talk to one of their representatives the program hangs up the phone. The web site also does not provide any way to address this problem or to talk to a representative of their company. This appears as an attempt to force me to refinance my loan at a higher interest rate.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (GA)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is stopping me from getting a fair line of credit for credit card, loans or a credit score. is been closed since XXXX is over XXXX years old but is still furnished to anyone without my consent. 
Bank XXXX XXXX # XXXX closed XX/XX/2014 XXXX XXXX XXXX XXXX XXXX XX/XX/2014 Dept of XXXX XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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 2023-08-23
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. (FL)

I disputed some address that were not mine. 
I disputed a collection account called XXXX. 
XX/XX/XXXX I disputed three XXXX credit card charge offsfor the wrong amount XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I disputed XXXX XXXXXXXX XXXX for wrongfully repossession of my car without contacting to get it back before auction. Now it is reporting on my credit for the wrong amount. 
XX/XX/XXXX I disputed a hard inquiry called XXXX thats not mine. 
I disputed previous XXXX XXXX XXXX thats not mine thats repoting on my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also not my address.
Consumer complaint received 2023-08-23
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: EQUIFAX, INC. (FL)

I have been trying for about 3 months to solve this problem with the XXXX XXXX that reports this negative, incorrect, inaccurate information in which is the second dispute that I make through you for that same problem, because the company was in charge of saying that they could not continue with the investigation because they could not confirm that I was the person, so I hope that this letter will be taken into consideration. 

In the month of XX/XX/2023 I started a dispute with this company and they only update the information claiming that the information is correct and verified but in the attached documents they could see that the information they share is exactly the same, having multiple errors where they first show a verification of 22 months of the account but they only report 20 months of payment history, they show apart only 7 months as payments and the. 

The account to be disputed is that of XXXX  XXXX # XXXX
Consumer complaint received 2023-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (NE)

For the last couple of days, my wife and I have received phone calls for some sort of debt collection. So I called them back, and they verified the last 4 of my soc sec number. Then proceeded to say that I am being sued for over {$5000.00}. I asked from who, they said from citibank in 2002. I said that's a very long time ago, I'm gon na need a validation letter, contact info for the rwp at citibank, and info on what exactly the money was for. He said he would have that for me in court. He said they would put a lien on my vehicle, house, and banking account. I told him he isn't getting any money from me until my requests are met. Then he got verbally aggressive, threatening to beat me up, my wife heard this and started yelling at him. He then was very disrespectful to her, calling her a horse and asking me to keep her out of a man 's conversation.
Consumer complaint received 2023-02-22
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. (MA)

Dear Experian, FTC identity theft report Reference number : XXXX Review the FTC documents attached. 
I XXXX XXXX XXXX XXXX request to remove immediately the credit account, because is fraudulent and opened by someone else XXXX XXXX XXXX  account number XXXX, is listed as closed on my credit report. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED
Consumer complaint received 2017-03-30
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

My name is XXXX XXXX and I sent money {$3500.00} to XXXX to my sister XXXX XXXX through western union for my building project on XX/XX/2017, when she got to the bank to receive the transfer is was informed the money had been picked up and they ca n't even tell her which location the money was picked up at and that I the sender will have to call western union to get that information. I called western union on XX/XX/2017 and reported the issue with them and they gave me a cawe number which is XXXX and told me to call in 20 days and refere to the case number whenever I call, I waited for 10 days and called them and I was told the investigation was completed and they have documentation from the pick up location showing my sister was actually the person who picked up the money, I disputed what the agent told me and she went ahead and gave me another case number which is XXXX and told me I will be receiving a letter no later than XX/XX/XXXX and in the letter there will be copies of the said ID used in picking up the money I never received any letter I called them again on the same day XX/XX/XXXX and the agent told me the agent who told me I will be receiving a mail had misinformed me because they do n't send out letters with such information so she said she was going to put in a request for escalation of my case and that I should call back in 72 hours, I call WU today and another agent told me the case had been closed and he advised me to contact my local law enforcement which the local law enforcement told me the crime was not committed in the county of XXXX and that western union should provide me with the pick up location so we can contact the law enforcement at that location for an investigation to be conducted but western union will never provide me with the location where the money they claim was picked up at I 'm attaching copies of my receipt from sending the money and the fraud investigation case number I think this is a fraud with western union and they need to be investigated
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (AL)

I have a cashapp account that i can not get my money out of. I have tried chatting since monday with no success.i have slso called three times and been hung up on three times without resolve or a solution to the problem.i have not cursed to any of the agents and tried to be polite as possible. 
Cashapp is blaming everybody but themselves with the problem but refuses to fix a simple withdrawel of my money that i use daily. Please help
Consumer complaint received 2023-08-23
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: Experian Information Solutions Inc. (IL)

This is my formal complaint to EXPERIAN for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (MO)

In 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 instructionsXXXX XXXX XXXX {$970.00}