davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (TX)

I sent a letter previously regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

ON XX/XX/2023 SOMEONE GOT {$240.00} FROM A ATM AT XXXX ON XXXX XXXX I HAD MY CARD IN MY PURSE AND WASN'T NO WHERE NEAR THIS BUSINESS ARE LOCATION I WAS AT HOME NETSPEND DID SOME KIND OF INVESTIGATION AND FOUND THAT THERE WASN'T ANY ERROR AND I DIDN'T DO IT AND WON'T RETURN MY MONEY AND SAID IT'S A DONE DEAL THAT WAS ALL THE MONEY I HAD I DIDN'T TAKE ANY MONEY OUT OF NO ATM
Consumer complaint received 2017-05-17
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: EQUIFAX, INC. (MD)

For almost an entire year, I 've been trying to work with Equifax to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Equifax is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX   from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Equifax because this is not the information I receive when I contact these companies individually. For months, Equifax has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Without fail, I have ensured that payments on this account are made promptly, avoiding any instances of being overdue. The reasons behind the presence of late payment remarks on my accounts are unclear to me. As stipulated by 15 USC 1666b - Billing Error, corrections must be made.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX L XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : 11 XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXXXXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX (  Original Creditor:08 XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance Owed : {$160.00} ; XXXX XXXXXXXX ( Original Creditor : 06 XXXX ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : 11 XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:09 XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-28
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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
Consumer complaint received 2023-05-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (PA)

Medicredii XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 Re : Reference # XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX me into a XXXX maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-07-10
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. (PA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and  XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!
Consumer complaint received 2017-12-30
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. (NY)

XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and Transunion.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

on XX/XX/2021 i pulled my full credit report and i notice there is a couple name and address on there that is not mine i never live before and would like to remove it. my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX new york. before married my name was XXXX XXXX XXXX i never change my name
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (FL)

My son underwent a XXXX and the hospital sent us a bunch of bills to pay. Although the bills were confused and disconected, my insurance dealed with the hospital and covered 100 % of them. 
However, the hospital sent the bills to Revco Solutions ( collector ) that has been sending me often collection letters. I sent them several times the payment proofs. But they don't stop bothering me with collection letters and calls.
Consumer complaint received 2023-06-12
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. (TX)

While reviewing an updated copy of my credit report, I found out of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been corrected. These was the account that need to be corrected on my credit file : XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2020 Balance : {$10000.00}.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The Custodian of Records is designated as such for Clarity, not Experian.
Consumer complaint received 2018-10-08
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. (CA)

XXXX XXXX XXXX, account number XXXX is appearing on experian, transunion and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX   in the future .
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account name : XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXXXXXX Account number : XXXX
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. (UT)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
Consumer complaint received 2023-03-02
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. (IN)

Transunion, XXXX, and XXXX are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy. 

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from XXXX and Transunion are reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.