davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Have 2 payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox number is XXXX XXXX
Consumer complaint received 2023-06-21
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. (LA)

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. 

Company name XXXX  XXXX Account Number XXXX XXXXXXXX Company Name XXXX  XXXX Account Number XXXX XXXXXXXX Company Name XXXX  XXXX Account Number 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 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and 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 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 2023-06-02
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. (NC)

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
Consumer complaint received 2023-06-02
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. (MA)

I am writing to submit a formal complaint regarding the inaccurate information reported on my credit report by TransUnion. Despite my initial contact with TransUnion on XX/XX/XXXX, they have failed to respond or take appropriate action to rectify the errors. I request your assistance in addressing these concerns and ensuring compliance with federal law. 
Outlined below are the specific details of the inaccuracies and the necessary corrections for each account : The following accounts do not belong to me, and I request its immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was co-signed for my friend who bought the new motorcycle from XXXX XXXX in XXXX Texas since 2019 XXXX. Unfortunately my friend did not pay few times on time and it affected my credit record. The dealership did not tell me the co-signed meanings for details. I didnt get any documents for purchase when I signed up for the contract. My friend also was not honest with me and paid the bill on time ( $ XXXX month ), now the total balance is around {$10000.00} left for his bike. Dealership just told me that co-signed can help my friend to build up his credit and sales XXXX really pushed me to sign the contract for my friend. I have been cheated by dealership from sales person. Now I want XXXX XXXX finance service to remove my co-signed. I also paid two times for my friend for late payments about ( {$800.00} )! I swear XXXX I never know what the co-signed means when I know it is risk to me was too late. Now I just want your help to remove my co-signed from XXXX XXXX dealership. Currently my friend will continue to pay his bills because he has job and still can build up his credit! It is not necessarily to keep my bad feelings! Its really affected my credit! I really appreciated it! 
Sincerely!
Consumer complaint received 2024-03-23
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. (AL)

I sent a letter last XX/XX/XXXX to delete all lested items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to deleteall items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OK)

On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX at XXXX, XXXX at XXXX, and XXXX at Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I was looking at my credit report from the government approved annual credit report website and noticed my name was spelled wrong on all XXXX credit reports. My name is XXXX XXXX XXXX spelled exactly that way no others. Also theres unexplained inquiries on my credit reports how they get there. Furthermore theres these accounts on my credit report that are incorrectly reported to my credit with different inconsistencies like dates, amounts, and mainly my name. I know theres laws regarding my credit please do a thorough check to make sure everything is accurate
Consumer complaint received 2023-06-02
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. (NY)

I am a victim of Identity Theft. There is some fraudulent information on my file in which should be blocked within 4 business days. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

On XXXX I reached out to XXXX, Equifax, and XXXX and talked to XXXX at XXXX, XXXX at Equifax, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.
Consumer complaint received 2022-07-09
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: LEXISNEXIS (NJ)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXXXXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding XXXX misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.
Consumer complaint received 2021-04-02
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (GA)

I have an XXXX reverse mortgage that is assigned to NoVad Management Consulting. 
I have been requesting an account statement for at least the last 3 months with no response. XXXX was the previous servicer and I received regular statements from them. I need the statement to evaluate the possibility of refinancing or paying off the loan. 

XXXX XXXX XXXX FHA Case # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I went into the XXXX room back in 2018 and was fully insured. Under my insurance plan, the deductible had already been satisfied so the visit should either be covered or paid up to 80 % as per my XXXX XXXX XXXX at the time. 

I spoke with an ARS representative and said this information was correctly filed by XXXX XXXX XXXX XXXX but I still owed the full amount of my visit. The rep told me that I could not speak with them and I could only go through ARS to resolve this discrepancy. Since this was an error on XXXX XXXX XXXX XXXX, they should be held accountable for incorrectly filing the claim which has now impacted my credit score for over 3 years at this point. I estimate with the higher interest rates I have paid due to this having an adverse affecting my score is roughly $ 15,000-20,000. 

The only reason I was able to find this debt was due to me running a personal credit report to find out why my credit score won't change.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (MD)

The lender was provided the loan modification package for review XX/XX/XXXX - from XX/XX/XXXX to XX/XX/XXXX they were requesting docs to have a complete package - I was advised on XX/XX/XXXX the file was complete and would be sent for review. I received a call from the lender 3 times in XXXX and 3 times in XXXX advising the file was complete and under review and nothing was being requested for the review. On XX/XX/XXXX I requested the file be escalated to a manager for the review to be completed since it has not been at that point. We called for an update today on the review and again was advised that it is still with underwriting and a decision has yet to be made. The lender is in violation of RESPA which states a lender has 30 days to review a file once it is deemed complete for an underwriter to review it and make a decision on.
Consumer complaint received 2023-06-02
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. (NC)

I am disputing this account in many times on my credit report and it is incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$500.00}
Consumer complaint received 2023-06-02
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NY)

Date : Amount : I have sent two disputes and they have been negligent in regards to responding specifically to what I have been asking for. They send general automated responses which are being negligent for what I am asking for specifically.
Consumer complaint received 2023-09-28
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. (PA)

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 : DEPT OF EDUCATION/XXXX XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2021-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AZ)

i sent 2 Validation Letters To national Adjusters asking them to send me Proof or any Kind of Documents to showed me that i owe that Money they never sent a Single Document i called them and asked them to sent me proof Never Did i Finally File a Complain with XXXX XXXX XXXX 
i do not know this people they Violating My Rights and been Hurting My Credit Scores it Time for them to Stop.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Several credit cards have been opened in my name. Fraud alerts were placed on all credit bureaus. I am supposed to be called before any accounts are opened to verify that it is me applying for credit. These three companies failed to do so. They failed me as a consumer and I need this issue rectified immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Capital One
Consumer complaint received 2023-06-02
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. (MD)

I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK AS DUPLICATE. * I tried to get it investigated via mail on XX/XX/2023, however, TransUnion only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. XXXX did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/2023 originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Consumer complaint received 2021-04-02
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. (TX)

XXXX and Experian are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had XXXX insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of XXXX insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.
Consumer complaint received 2021-01-26
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. (MA)

Last XXXX I've sent disputes regarding to those unknown and inaccurate accounts on my credit report its over 30 days but I haven't received any response. I am a victim of XXXX Data Breach. I Demand to DELETE those accounts ASAP or I will file a litigation.