davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum 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, plunging me into a bewildering 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 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a Investigaton, and Transunion sent a letter stating they would not investigate my dispute. They claimed the letter did not come from me
Consumer complaint received 2022-11-27
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. (PA)

XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2020 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 written instructions.
Consumer complaint received 2017-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BUDGET CONTROL SERVICES, INC. (CO)

Budget Control Svc  s (   XXXX    XXXX   ) has placed a derogatory collection on a working mother's- ( name withheld )  XXXX   XXXX  credit report in the amount of {$5100.00} for services they claim were rendered on her adult  XXXX   year old  daughter in  XXXX  of   XXXX  . (  4 1/5 years ago ) 1.  The working mother is not legally responsible for charges of her adult children. The work of inserting metal pins for implants can only be done on adults, not children.   2. She did not even take her daughter to that dentist nor did she fill out any paperwork.   3. The dentist  XXXX   XXXX  says performed the work no longer works there and says he was never paid by   XXXX   XXXX   for this work, currently lives in  XXXX  and knows nothing about this issue.    4.  The work in question was actually performed by a different  XXXX   XXXX  nearly 2 years later and we have a receipt.    5.  The Colorado statute of limitations has now passe d for Budget Control o r  XXXX   XXXX  to pursue legal remedies.    6. Budget Control  is now illegally harassing an innocent party with malice with no hope of resolving the matter.
Consumer complaint received 2021-03-14
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 spoke to the credit bureau and was told that the items would be removed from my report and that I needed to send them my ID, Social, and police report. I provided the items to the credit bureau and they were not removed. I have sent in this to the credit bureau and loaded it here.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX XXXX. 


XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} - Has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8600.00} XXXX Has violated my rights XXXX XXXXXXXX - {$0.00} - Has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$8600.00} -Has violated my rights XXXX XXXX - {$0.00} - Has violated my rights XXXX XXXX - {$0.00} - 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 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.
Consumer complaint received 2022-11-27
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. (NJ)

Hello, I asked for a copy of my credit report and you still haven't provided payment History for the following account. Please provide payment history information with proof of payment including date of first delinquency for the following account. Also please send me a copy of my last payment for the following account. 

XXXX XXXX XXXX Account XXXX XXXX XXXX # XXXX I have asked several time for this information. If you can't provide payment history & a copy of my last payment to these creditors please delete these accounts. 

Thank you.
Consumer complaint received 2023-01-05
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: CBC Companies, Inc. (TN)

On XXXX we got a letter from Innovis XXXX XXXX. 
They have realized that my address has changed [ we moved XXXX  years ago ] and now they want to, and I quote the letter... 
" In the case of a new address, this written confirmation will be sent both to the new and former address. '' I have never given Innovis XXXX XXXX  any verbal or written permission to XXXX my personal information to whomever they want to. 
This is outrageous! XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
And now they are telling me [ from the letter ] that IF I want a copy of MY Innovis Credit Report that they will require this information, and I quote... 
" Please include your name, SS-Number, XXXX, XXXX of current address and Personal Identification Number ( PIN ) associated with the Security Freeze on your Credit Report. '' Can ONLY be submitted by snail mail, aka XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I have been trying to work with my lender but they continue to give me the run around. One week they advise they have everything they need and the next they ask for the same thing over again and I have to go back and tell them when it was sent and they mysteriously happen to find it.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IN)

LoanCare purchased our mortgage from  XXXX   XXXX . Apparently they did a customary Escrow review and determined it was too low so our payment was raised. We were not informed.  LoanCare has admitted over the phone they failed to inform us. Therefore, our payment was about {$60.00} per month short. LoanCare accepted the auto draft p ayment from our bank, while considering our  XXXX  and  XXXX  payments to be late. We were informed of this by letter dated  XXXX / XXXX /  XXXX  . When we received that letter, we immediately called LoanCare on  XXXX / XXXX /  XXXX  . Spoke to female agent who stated that account had been reviewed and LoanCare was aware that we hadnt received notification of an increased payment. Agent removed late fees from  XXXX  and  XXXX  since it wasnt our fault and we made a payment over the phone to bring account current in the amount of {$150.00}. Again, we asked if the mistake would impact our credit, was told no it wouldnt since it was an error on LoanCares end and no further action would be required. The  two payments are on our credit report which has prevented us from securing financing for purchase we need to make. Each time we call LoanCare, we are told this is being escalated.
Consumer complaint received 2023-02-03
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 XXXX 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 Balance : {$560.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours (CA)

I have tried cancelling or close my account with Earnin through their chat online by XXXX but unfortunately, they did not close my account, they put me on something else which I do not want and on XX/XX/2023 they will ACH {$9.00} and for what. I then turned them over to the California State Attorney 's Office regarding Earnins refusal to cancel or close my account completely. They did receive a letter from the California State Attorney 's Office regarding closing my account. Today, XX/XX/2023, I received an email from Earnin that they did close my account but there was a clause stating that it will not be completely close until the money I cashed out is returned. I have never received anything from Earnin, I am a XXXX XXXX XXXX Veteran and on a Fixed Income and I am very transparent on the words I am saying. I also responded to Earnins email regarding this situation and someone from Earnin responded to me as .... '' Hey Payday Rebel '', they do not monitor there email and I stated that I will turn them over to your company for there lack of communication and lagging this situation on and on ... ..Please Help!!! 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

This company calls 6 times a day from different phone numbers all over the country. 

I have asked them to stop but they call non-stop. 

The people are extremely rude. 

It is PURE harassment, I have ask repeatedly not to be contacted by this company.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2022-11-25
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. (CO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the 3 credit reporting agencies didnt make sure it was reporting 100 % correct. 
Im accordance with the FCRA, everything has to be 100 % accurate to be on my credit report. 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681 ( 5 ) states that these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

I have a police report with the XXXX police department about this. I tried to deposit a money order at Wells Fargo and when the money order became fraudulent I lost over {$3000.00} of my real money and was almost put out on XXXX XXXX.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IN)

In XX/XX/XXXX 2017, I received a letter from US Bank Home Mortgage concerning the cancellation of PMI on my primary residence. The loan-to-ratio value on my property was 76 %. According to the letter I received, I was required to get an appraisal on my home. I finally ordered the appraisal at the end of XX/XX/XXXX 2017.  The appraiser ( chosen by US Bank ) subsequently appraised my home for well under the purchase price, adjusting my loan-to-value ratio to a mere 86 % and thus the PMI was not cancelled. However, according to the Homeowners Protection Act of 1998, under AUTOMATIC TERMINATION, I quote " A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both 1 ) The principal balance of the mortgage is first scheduled to reach 78 percent ( my loan was at 76 % ) of the ORIGINAL VALUE of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan regardless of outstanding balance ) and 2 ) The borrower is current on mortgage payments. ( Which I am. ) There is also a clause one paragraph dow in the Act that states : There is no provision in the automatic-termination section of the act, as there is in the borrower-requested PMI cancellation section, that protects the lender against DECLINES IN PROPERTY VALUE or subordinate liens. My PMI should have  automatically been terminated in XX/XX/XXXX when the LTV reached 76 % which is below the 78 % Federal Law requirement. I should have never even been required to get an appraisal.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank is reporting updated payments and inaccurate information including date last active and last reported dates on an account that was closed almost immediately after opening it. I have complained about the credit bureau inaccuracy with the bureau as well.
Consumer complaint received 2022-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX )
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at  XXXX  can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
Consumer complaint received 2023-02-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I XXXX XXXX sent a dispute letter to Experian in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Experian report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification 15USC 1681i. Experian has failed to send me the procedures they took to verify these accounts, names of persons who verified accounts, employee/badge numbers and direct phone numbers of who verified the accounts from the furnishers. In Experian response they stated I was using credit repair and Experian was unsure of my request. I XXXX XXXX am simply asking for proof of verification to ensure accuracy on report # XXXX 15 USC 1681i ( a ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description
Consumer complaint received 2017-05-09
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. (TX)

XXXX   has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .   TransUnion just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My  credit score dro pped  XXXX  points over night, and again, no one at TransUnion can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.
Consumer complaint received 2022-11-24
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: DISCOVER BANK (MN)

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.

And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of EducationXXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of Education/ XXXX XXXX XXXX XXXX XXXX {$4300.00}, Dept of Education/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, Dept of XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX Dept of Education/ XXXX XXXX XXXX XXXX /amount {$3000.00} Account name : Discover XXXX XXXXXXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and XXXX have 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.