davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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. (GA)

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 XXXXXXXX XXXX acct # XXXX Limited reporting information XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX ACCT # XXXX The above account names has violated my rights 15 USC 1681 section 602A 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 1681C ( a ) ( 5 ) 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 The conviction of crimes which antedates the report by more than seven years 15 USC 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 calls to believe that the information is an accurate
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX and TransUnion refuse to remove a bankruptcy from my report that is not mine!! This bankruptcy belongs to my mother we have the exact same name. I have sent them copies of my birth certificate and a letter from my mother. I called IL bankruptcy court and they are not giving them this information but they are reporting it. XXXX verified this information through XXXX and they deleted it from my credit report and XXXX and TransUnion refuse to delete the bankruptcy and they also verify through XXXX.I have XXXX XXXX and this is hindering me from providing for them efficiently. I cant get a home or a car.
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

On  XX/XX/XXXX , I contacted the  XXXX  credit reporting agencies, Equifax,  XXXX , and  XXXX  to ask to remove only the dispute for   XXXX    acct per my lender request. Equifax is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by Equifax. The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once Equifax did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
Consumer complaint received 2023-07-06
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. (LA)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-01-14
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: CURO Intermediate Holdings (VA)

The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.
Consumer complaint received 2020-12-13
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. (FL)

In response to my earlier complaint XXXX Experian responded with a false and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Please explain what exactly made Experian believe that I did not initiate my complaint or investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap
Consumer complaint received 2020-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spoke to   XXXX   XXXX   supervisor in the special handing department for trans union in let him know that I was affected by the glitch they had in there system for inquires where thy where taking off my credit report in reinserted without notifying me within 5 days he said I was the 100 person to called about the issue in he ca n't do nothing about it
Consumer complaint received 2020-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Dear Sir or Madam : PRA dba Portfolio Recovery Associates/XXXX XXXX  are attempting to extort money from Identity theft and asking for more personal information to collect a DEBT that is NOT MINE. I disputed with PRA once, I started receiving letters that I was in college for years during this claimed {$4300.00} ( debt # XXXX ) but also working in a different state. I Never Opened or Paid an Account pertaining to XXXX XXXX. I was a busy STUDENT and working in XXXX, NH and upon graduating moved to another City. This is preposterous, as I had excellent credit and have now disputed and put a fraud alert on all of my CREDIT files during this challenging time. PRA is constantly sending threatening letters to a previous business address for some account # endingXXXX I've never had. These people sent a listing of payments that did not come from ME and are constantly harassing, bullying me on a Fraud account. XXXX XXXX XXXX/Portfolio Recovery Associates letters/XXXX XXXX  are sending packets to obtain {$4300.00} that IS NOT MY DEBT. I PAY BY CREDIT DEBT and THIS IS NOT IT. 
XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Been dealing with Bof A and NationStar for FOUR YEARS Trying to get a modification in place on XXXX homes we own. ( XXXX a rental and # XXXX our personal home. ) Have done EVERYTHING they 've asked and have the paperwork and fax/mail receipts to prove it. Constantly getting more and more requests for docs they " did n't receive ''. We were allegedly in modification talks and were attempting to secure XXXX, and they went ahead and foreclosed anyway. They also got a judgment against us that we were n't EVEN SERVED! I have about XXXX pounds of documents, emails and receipts for evidence oXXXXf my allegations, so believe me if you want some good evidence of the illegal half assed business practices, I 'm your gal!
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stern Recovery Services, Inc. (NC)

I contacted this company and the reporting agency because this debt has been reported over 7 years for one. Also they are reporting multiple accounts and fail to send dates of service or account numbers for each amount being reported. I have no knowledge of these accounts or amounts owed.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Neon Newco Corporation (LA)

I have utilized NetSpend Prepaid Card for approximately 6 years or more. In the time that I have had them, I was sent a NetSpend Premier Card in the mail. The terms for switching to the " new premier card '' as opposed to remaining with the original were supposed to be more flexible. I was supposed to be permitted to overdraw upto XXXX dollars. At occasions in which I truly needed the money, the card was declined numerous times in XXXX and XXXX. That particular cardholder benefit was not provided to me as advertised. Additionally, I was supposed to pay less in monthly fees. I was not assessed less fees. I have maintained direct deposit the entire time that I have been a NetSpend cardholder. While my direct deposit is consistent on specific days of the month, the date at which NetSpend collects the fees is not. It is sporadic and unpredicatable.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

It has come to my attention that Nationstar Mortgage will duck and dodge additional principal payments. 
I have made additional payments towards principal which were auto canceled without any notification. My account is in good standing and I have never been late. I have screen shots of the payment confirmation and I can prove the payment was not deducted from my checking account.
Consumer complaint received 2023-05-05
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.
Consumer complaint received 2024-03-03
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: Experian Information Solutions Inc. (GA)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Mortgage refinance application submitted to lender. 
Letter from lender dated XX/XX/2020 'Notice of Action Taken Counteroffer ' states " unable to offer you credit on the terms or in the amount you requested ''. Included in this letter was a statement that my credit score was XXXX, created on XX/XX/2020. " Scores range from a low of 390 to a high of 839 ''. 
This letter referenced a counteroffer which was verbally discussed with bank management. The terms of the counteroffer were refused. 
A letter was sent dated XX/XX/2020 requesting Statement of Specific Reasons ; no response received. My telephone records indicate that bank management contacted me in early XX/XX/2020 to discuss this letter at which time I reminded them that a response was due by XX/XX/2020. 
Various documents are attached
Consumer complaint received 2023-06-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

On or around XX/XX/2023, XXXX violated the FCRA by adding a FALSE negative remark on my credit report which caused each of the credit bureaus to lower my credit score by XXXX points!!! This was in retaliation for me disputing an inaccurate credit balance on my accounts with XXXX. I have been diligently paying off my credit cards in an effort to buy a house and XXXX actions ( false reporting ) has snatched this opportunity away from me temporarily. I believe XXXX intentionally put the remark on my report to decrease my chances of getting a XXXX INTEREST CARD to transfer my XXXX balances to the new card.
Consumer complaint received 2020-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

After leasing for XXXX XXXX XXXX complex and moving out on XX/XX/2020 we received a bill in the mail on XX/XX/2020 stating that our security deposit was taken to replace the carpet. The left over debt on top of that was {$85.00}. I did call the leasing office myself on XXXX XXXX and tried speaking to the manager who was not available at the time. She returned an email on XX/XX/2020 stating that the reason for the charges were due to the carpet being saturated in XXXX. In our contract we stated and signed that we would have no pets within our apartment during our year lease which we complied with fully due to not owning any pets or letting any pets into the home. I emailed management twice more asking if they could please look into this matter as I felt maybe the previous tenants had left this mess behind but I never received any answers or information letting me know that this debt would send me into collections over 5 months later. The lack of information has caused my credit to be damaged for something we did not cause and was not looked into properly. Our apartment was not ready on move in day, in fact it still had to be serviced by cleaning staff from the previous tenants. No carpet replacement before our move in.
Consumer complaint received 2023-04-18
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. (CA)

This is my 11th 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 XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to file a complaint to TRANSUNION. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date, date of last activity, balances, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms.

I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.