davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC (AL)

I received a email from a lexington law firm below and also a copy is attached to this complaint. I felt I was contacted improperly contacted. Threatened to contact my employer to garnish my wages and the sheriff to come to my home. My name was not in the email- just a threatening message of contact I have not received before. No one has sent me anything in the mail. I check my mail everyday and weekly. I keep all mail in case something like this happen saying they tried to contact.me. I have not in this lifetime received received any form of contact or mailings from this scammed credit repair law firm. A real law firm will not call due to law official telling everyone to be aware of scammers who ask for personal information or want credit card information to pay for a debt over the phone.     The email will be attached to this case I was not able to attach above
Consumer complaint received 2020-04-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've asked this company to stop calling me and take me off their calling list. They wanted to ask for my date of birth and social security number. I politely refused to give them that information. I have asked numerous of times to stop calling me. They just still keep on calling.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (CA)

This is my third endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
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. (IA)

I have had several issues getting the incorrect information about my Student Loan from XXXX XXXX XXXX XXXX PROPERLY removed from my TransUnion Credit Report. I have submitted XXXX different disputes with the CFPB ( case number XXXX - XXXX as well as XXXX - XXXX ) about TransUnion violating my rights under the fair credit reporting act by repeatedly reporting FALSELY XXXX additional accounts ( when I only have XXXX fully consolidated federal student loan ) # XXXX and # XXXX both showing up as being extremely delinquent. Not only are they showing multiple additional accounts when I only have the XXXX, but I also had entered into the XXXX XXXX XXXX  Initiative way back on XX/XX/2023 and ANY AND ALL student loans under this act are ONLY to report as being CURRENT AND ONTIME. 
Now not only has TransUnion repeatedly ignored my official disputes through the CFPB and just denied me of any and all rights At the same time I have reached out to XXXX on XX/XX/XXXX and told them that my student loan account was being reported as XXXX separate accounts and that NEITHER had been removed NOR were being reported correctly as PAID IN FULL and ONTIME as they should through the XXXX XXXX XXXX XXXX. They ASSURED me that once they had reported the account as a NEW NUMBER XXXX the other XXXX old accounts would FALL OFF my TransUnion Report as they would have then submitted all of the NEW INFORMATION about my account now being CURRENT AND ONTIME under the XXXX XXXX. I was PROMISED this would happen after they reported to TransUnion on XX/XX/XXXX or XX/XX/XXXX WELL, now that time has come and gone and I see that this new account has been reported to TransUnion and STILL NO REMOVAL of the SAME ACCOUNT being FALSELY REPORTED NOW FOR A GRAND TOTAL OF XXXX, YES XXXX separate accounts XXXX in terrible delinquent status and XXXX with a hearty new debt total. And thanks to both companies denying me of my rights and falsely reporting this information I was just denied a car loan with XXXX.
Consumer complaint received 2023-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

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 an account without my permission.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (CA)

This is my third endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (CA)

Crane Finance provided a loan of {$320.00}, has taken over {$600.00} from my account, and yet still claims a balance of over {$300.00}. When asked for a copy of their business approval to operate in the State of California and the TILA statement, they have failed to provide. 

I request that this company consider the loan paid in full and cease the endless calls that are bordering on harassment at this point.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (SC)

remove negative accounts From Experian. 

Both XXXX XXXX are fraudulent. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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.
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (SC)

remove negative accounts From Experian. 

Both medical accounts are fraudulent. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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.
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper mortgage company ( XXXX XXXX XXXX XXXX. XXXX, TX XXXX ) received my mortgage loan from another mortgage company in XX/XX/2019. That mortgage was issued several years ago, and has compounding account to collect money for insurance and property taxes. The mortgage loan number is XXXX. In XX/XX/2019 annual payment to XXXX insurance agency was due but was not paid ( amount due for insurance about {$850.00}, available escrow over {$2000.00} ). In XX/XX/2019 XXXX contacted me about missing funds. I called Mr Cooper in  mid-XX/XX/2019 and informed them that they need to pay for insurance. Representative said that their insurance department will investigate. XXXX agent informed me that they send invoice to Mr Cooper. 
As of today, XX/XX/2019, I called to Mr Cooper again, and talked to insurance department representative XXXX ext. XXXX. She told me the following : 1.  Insurance was not paid. 
2. Insurance policy was canceled on XX/XX/2019. I told her that XXXX canceled due to non-payment. 
2. She did not know where I can file a complaint about it, she did not know about CFPB. 
3. There were no notes of my prior calls, except on XX/XX/XXXX, when I told Mr. Cooper refinance department that I will not refinance with them until they fix insurance issue. 
4. Mr Cooper did receive an invoice for insurance from XXXX in XX/XX/2019. 

Mr Cooper is collecting money for insurance but then not paying for it when it is due.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-23
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. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2022-11-29
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)

I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-06-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX  XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2023-06-23
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)

I consented to a consumer background check for my employer. I was denied based on the inaccuracy of my credit report. As I understand that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system and that it is your grave grave responsibilities to ensure fairness, impartiality, and a respect for the consumers right to privacy. After careful review of my credit report, I am asking for your company to look into these inaccuracies and removed if not verified. The statutory limit has been reached and they too shall be removed. As well as late payments that are being reported incorrectly as I have never been late on my accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
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. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2022-11-28
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. (NJ)

I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX  XXXX  XXXX  which is removed and also they are reporting a account for XXXX XXXX  which is a collection account for XXXX  XXXX  which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX  which was removed already by transunion but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late
Consumer complaint received 2018-10-09
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

I paid my mortgage and I had over drawn my account but was advised that I had until XX/XX/2018 to bring the account current. And I had 30 days and I have been in communication with them about the money that was paid I owed XXXX I paid money on the balance. I closed my son account due to them going into his account and taking the money out. I need someone to look into this company navy federal credit union to get my money back into my son account.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (WI)

I've tried to make several purchases with my Indigo card. They have been declined. I have never defaulted with Indigo on any payments. Whenever I call I am told there are no holds on my card. Today I received a letter asking for my id to be sent to Indigo. I then called Indigo to request their email address as I don't have a copy or fax machine where I live. I do have my driver 's license on my phone to send them a copy but Indigo does not have an email address. Indigo is unwilling to allow me to send my driver 's license by email and therefore has refused to take the hold off my account with them. I have two credit cards with Indigo. The first card I had with them was paid in full including a yearly finance charge of over {$50.00}. I still am not allowed to use this account or the second account I have with Indigo. This could be solved if Indigo would accept my driver 's license per email.
Consumer complaint received 2022-10-22
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. (OH)

XX/XX/2022 Transunion reported a loss of XXXX points. 

My score dropped from XXXX to XXXX. 

My credit report shows an XXXX XXXX loan as closed on XX/XX/2022. 

The report also shows XXXX XXXX account balance decreasing by {$300.00} from {$300.00} to {$0.00}. 
I have contacted XXXX XXXX to find out what they reported. Their reply was " account was satisfactory paid ''. 
I have contacted Transunion also no explanation. They just take points when they see closed and encourage consumers to leave credit cards open and continue to use them. 
They do not make any difference from when a loan is paid off.
Consumer complaint received 2023-02-03
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I was denied credit from  XXXX    XXXX   XXXX   XXXX  and Required to pay a {$290.00} deposit to open my service. When I asked  XXXX   XXXX   XXXX  to furnish me with the document they used to determine my creditworthiness, they refused and told me it is not based on my FICO (  XXXX   )  or my credit report ( also perfect ). All they told me was experian told  XXXX   XXXX   XXXX   XXXX   XXXX  to deny me credit. Yet, my Experian report is flawless with nothing negative. Experian does not provide any customer service whatsoever. I have been denied credit and stonewalled when I attempt to exercise my right to understand why I am denied credit. This sounds like a perfect case for the CFPB!