davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A CREDIT INQUIRY WAS PLACED ON MY CREDIT REPORT ON XX/XX/2024 FROM XXXX XXXX XXXX XXXX THAT WAS NOT AUTHORIZED AS I DID NOT APPLY TO THAT BANK FOR TYPE OF CREDIT CARD 0R ANY OTHER PRODUCTS THAT THEY OFFER
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A. (MI)

Rec. call from someone at XXXX stating he was trying to set up time to serve me papers on a civil law suit, that his company had been contracted by XXXX XXXX XXXX. Asked what this was about, was told records were sealed for my privacy but that I could call XXXX and give reference # XXXX for more info. Did so, was told I was being sued for {$3500.00} for an account through National City/PNC Bank that defaulted in XXXX of XXXX. I have never had an account or loan from either of this institutions. Said they sent me a letter 45 days ago ( I never received a letter ) and when I didn't respond they assumed I wanted to go to court. Once served, it would be a 3 day speedy trial, and I'd also be responsible for court fees on top of the debt, and that the settlement agreement amount ( which hadn't been mentioned before ) of {$1500.00} would no longer be available. I asked what kind of of loan or account this was for and was told he didn't know, I'd need the itemized billing which I could only received in discovery, once it went to court. Was told the evidence against me was the 2 forms of ID used to open the account, and he proceeded to give me my correct drivers license number, social security number, and address. Told me they would put a lien on my house, garnish wages, and take action against my XXXX XXXX XXXX. I told him I wanted to consult with a lawyer friend of mine as this sounded like a scam. I hung up, and called my friend, who also is fairly sure this is a scam. What I am worried about is that someone may have stolen my identity and actually opened an account in my name.
Consumer complaint received 2023-04-16
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)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # - XXXX Balance- {$16.00} Balance updated-XXXX  XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX  XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX  XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX  XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone number-XXXX ) XXXX 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2018-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX for the XXXX XXXX XXXX XXXX  and was injured on my job and was unable to make credit card payments for about 3 months due to financial difficulty as a result of my injury. The Months the payments were not made were XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. 

I did not receive any notification stating that my account had been closed down. I also never knew that there was a certain time frame to dispute those changes that were made to my account. 

I have been a customer with Wells Fargo since I was XXXX years old so about 12 years. I have never had any late payments prior to that Incident. This is now reflecting negatively on my credit score and as a result of that is is making it incredibly difficult to get a good rate when trying to finance my home as rates keep increasing every day. 

I have gone into a branch and no one was able to help me re open my credit card and excuse the late payments due to my specific circumstances. I was told that I only had 19 days in order to dispute the closed down credit card and am unable to have it get re opened. And I was told in the wells fargo branch that I am Unable to get those late charges reversed because my account is closed down. 

I then decided to call Wells fargo customer service on Today 's date of XX/XX/2018. At XXXX XXXX I spoke with someones named XXXX and was also told that I can't re open my credit card after 19 days of it being closed down and I would have to re apply for a new credit card. XXXX did say she would submit paperwork to the credit bureau which would take 1 week and possibly up to 30 days to hear anything back, at which point I asked to speak with a supervisor. 

At approximately XXXX on XX/XX/2018 I spoke with XXXX who is a supervisor and was told that I had 30 days in order to re open my account after it has been closed down which is conflicting information. I am irritated because I was not notified that my account was closed down and that I had time to dispute it. I was advised by XXXX that I should contact a credit repair agency.
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-05-19
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. (OH)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX  DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX {$11000.00}
Consumer complaint received 2022-11-04
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. (AZ)

Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.
Consumer complaint received 2022-11-04
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. (AZ)

Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am trying to buy an acre of half of land to build my dream home and I can not get a conventional home loan due to my score being at 680 instead of 700. 

I checked my credit reports to see what was holding my score down and saw three very old accounts from XXXX still reporting after they have been taken care of by bankruptcy. These accounts should have been deleted as they are ten years old. 

The bankruptcy listed has incorrect information as well and should be removed. The name associated with the bankruptcy is incorrect. My birth certificate states XXXX XXXX not XXXX XXXX. 

I tried to submit a dispute online but it is not allowing me to send a dispute for Report Number XXXX. The credit report was Generated on XX/XX/XXXX.
Consumer complaint received 2023-02-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX and XXXX are attempting to collect an alleged debt of {$300.00} for a Check Into Cash loan. I have not received correspondence from these 3rd party agencies when I submitted a complaint regarding the debt in question. I called Check into Cash directly to see if there were any outstanding loans and they said there was not any in my account. I was not informed anything about still owing a debt wether it was sold or not. I was specifically told that there was no debt. I need the {$300.00} collections account to be removed off of my credit file immediately. Calls can be traced and I am not at fault for any misinformation. I think an email may have been typed in wrong when I sent in my first complaint. That was regarding XXXX XXXX and the text messages I have received from them for the same debt. XXXX is being reported on my credit file and I am being contacted by XXXX XXXX. Both companies are now aware of this complaint and I will resubmit another to XXXX XXXX.
Consumer complaint received 2017-05-04
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. (GA)

I am filing a complaint because TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 )  ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2023-04-16
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)

AS OF XX/XX/XXXX I HAVE NOTICED THIS FRAUD ACCOUNT ON MY CREDIT REPORT.INVESTIGATE FRAUD ACCOUNT AND DELETE! 
ACCOUNT NAME- XXXX XXXX XXXX DATE OPENED- XXXX STATUS UPDATED- XXXX ACCOUNT # XXXX LAST PAYMENT DATE- XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT " FAIR CARES ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2022-11-04
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. (NC)

I, XXXX XXXX XXXX, have been a victim of fraud relating to XXXX XXXX XXXX. They allowed money to be stolen from me and then did nothing except back up the perpetrators. 
They lied to you, a federal agency created by the powers of XXXX, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here. 
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.
Consumer complaint received 2023-04-16
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)

In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 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 loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

I received a email from Resurgent Capital Services on XX/XX/2023 in regards to an alleged debt they have claimed to have purchased. They believe I now owe them. I understand it may be common practice for companies to purchase debt from companies but that does not give them the right or authority to contact you to attempt to collect a debt. They claim I owe {$640.00}. I have never signed a contract where I agreed to pay them any disclosed amount of finance. They never gave me nor extended me any credit, therefore there is nothing that I owe them regardless if they purchased a debt from a third party. This is a direct violation of the Fair Debt Collection Practices Act section 1692g Sec 809 ( b ).
Consumer complaint received 2023-04-16
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. (HI)

TRANSUNION KEEPS NO RECORD ONLINE ABOUT ANY OF MY DISPUTES. I HAVE DISPUTED SEVERAL INVALID ACCOUNTS WITH TRANSUNION OVER THE LAST 2-3 YEARS, AT LEAST 15 TIMES I FILED DISPUTES WITH TRANSUNION BUT THERE IS NO RECORD OF ANY DIPSUTES THAT I FILED. WHAT IS TRANSUNION HIDING? WHY IS TRANSUNION NOT DOING THEIR JOB? 

HERE ARE THE ACCOUNTS I DISPUTED A MINIMUM OF 5 TIMES EACH ACCOUNT, OVER THE LAST 2-3 YEARS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER RECEIVED ANY DISPUTE RESULTS OF ANY KIND FROM TRANSUNION ON ANY OF THESE ACCOUNTS I DISPUTED. TRANSUNION HAS NEVER PROVIDED ME ANY OF THEIR INDEPENDENT INVESTIGATION RESULTS! TRANSUNION NEVER SEND ME ANY REPORTS OF HOW MY DISPUTES WERE INVESTIGATED, I NEVER RECEIVED PROOF OF WHAT METHODS OF VERIFICATIONS WERE USED? NO WRITTEN DOCUMENTS, NO RECORDS, NOTHING AT ALL. 
WHY IS TRANSUNION GETTING AWAY WITH ALL THESE FCRA VIOLATIONS? 
WHY DO I PAY THEM A MONTHLY SERVICE FEE FOR THEIR ONLINE CREDIT REPORT ACCESS, BUT THEY KEEP NONE OF MY DISPUTE RECORDS AT ALL? 
THIS IS A VIOLATION OF MY CONSUMER RIGHTS. 
TRANSUNION CANT IGNORE MY DISPUTES AND THEY CAN NOT IGNORE MY REQEST FOR ALL INVESTIGATION REPORTS. 
THIS NEEDS TO BE FIXED IMMEDIATELY!
Consumer complaint received 2023-05-19
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. (TX)

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. 

XXXX XXXX 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 XXXX XXXXXXXX XXXX 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 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.
Consumer complaint received 2023-02-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
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. (SC)

XXXX XXXX  OPENED XXXX XXXX AND BALANCE IS {$480.00} I REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND EQUIFAX . 

XXXXXXXX XXXX -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND EQUIFAX . 

XXXXXXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON EQUIFAX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT EQUIFAX. EQUIFAX SHOULD HAVE BEEN DELETED THIS ACCOUNT.
Consumer complaint received 2023-02-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-04-16
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)

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (GA)

This is my first 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. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$64000.00} XXXX XXXX XXXX XXXX Balance : {$6400.00} DXXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX & A XXXX Balance : -