davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-20
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: Mountain Run Solutions, LLC (TN)

the compay name is monotronics alarm security, i was another company & it was with 2 other companies, this acct is still being sold & keep on being added to my acct. the acct. was recently & then with XXXX XXXX!! WICH WAS DISMISSED & NOW IT IS SOLD AGAIN because it stayed on my credit report for XXXX now they found another company MOUNTAIN RUN IN XXXX UT.I have been contacted by this company I DID NOT KNOW that could keep trying to sue me this many times from a company after selling this account so many times & was classified as a write off!!! each company is adding on thier charges!!! & trying to me i am a widow on a fix income from my husband, i also have XXXX grand kids i have no excess money!!! anymore information needed contact XXXX  CONSUMER XXXX CALL THEM FIRST & NO ACTIONS WAS TAKEN I DO NOT THINK THIS FAIR!!!! IAM NOT A RICH PERSON!!! 
MY ACCT. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX PH XXXX I NEED THIS TAKEN OFF OF MY CREDIT REP0RT MY HUSBAND HAS BEEN DECEASED FOR OVER 10 YRS I HAVE TO DO EVERY THING ALONG THANK - YOU XXXX XXXX XX/XX/2021
Consumer complaint received 2022-09-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TN)

I am divorced and XXXX. I am a homeowner and my morgage is through Cardinal financial. I did the forbearance because of covid 19. I was not made aware of what would happened when I resumed payments. I am on a fixed income. I went through a bad divorce and I ended up having to pay alot of debt. I had to enter a debt consolidation program to get my loan. I've been paying {$240.00} a month for that. My morgage is now a {$100.00} more because of forbearance. I am struggling to make ends meet as it was. I need my loan modified so I can afford payments. I was not made aware of this at time of taking the forbearance and am struggling now because of it.
Consumer complaint received 2021-01-20
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. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit, this is unacceptable!
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2023-05-25
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. (MN)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX BANK XXXX XXXXXXXX .... 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 2024-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CO)

On XXXX I asked to do a transfer of funds from my account to my son which I have been doing for over 10 yrs. with Bank of the West now BMO. All we were doing was asking for the transfer funds from my account to his ( they are linked together ) which we have done for yrs nothing new the rep. got angry and hostile and told us we have to go to the bank for them to id us. Which made no sense. We had gone through the id process through the automatize system even to get to that point which we told her that was ignored. Told her to get her boss that was ignored. We ended up drive XXXX XXXX one way to the bank which we have been going to for yrs about 10 or more the same day this happened. Which we try to avoid because of problems we have had in the past. Instead of doing the transfer and opening up her account they acted as if they didnt know us and gave us the third degree which they also ways do which upset us and we left. All we wanted was to take funds from her account and transfer it to mine THAT IS IT, SIMPLE. Then we received a letter last week saying they are closing her account period, no discussion!! Leaving us in a Hardship it's not many banks area. We are XXXX hate crime victims in XXXX, KS and it is orchestrated by the XXXX police and law enforcement. We ask to be treated like human beings ; this a simple thing should not be kicked out just because they have the power to do so. We need help. Anytime we get some done we are treated like this on everything we do.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under this circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. This is fraudulent & is impacting my ability to gain credit. 
The company do not have the right to report the account since they lack any permission. XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On my credit report it shows that i have a charge off on a closed installment account that was settled in Superior court. My ex spouse was to take over any obligatiomn or financial responsibility of these auto accounts. I have the order attatcheted. My divorce was finalized in XXXX and everything was divied up. 
Also this account is past the limitations of reporting. 
In XXXX i recieved settlement payment from XXXX in result of a class action lawsuit. I was unfortunatly one of their many victims of unfair trade practices and credit reporting as well as many other tactics used by XXXX and their offiliate capital one auto finance company by adding a fee through their online portal and not charging to the account. in the suit it states that XXXX must remove this from my credit file to be in alliance with said order.
Consumer complaint received 2023-06-20
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MO)

I enrolled in an interest-free credit card with Synchrony Bank XXXX XX/XX/XXXX for a three-year period for furniture purchases ( XXXX XXXX CO / SYNCHRONY BANK XXXX XXXX Despite the promotional interest-free designation, they charged me 30 % interest. I sent an email in XXXX alerting Synchrony to the issue and they agreed it was an error and claimed they would reverse the interest charges - I never saw the interest charges reversed. I checked the portal again in XXXX and saw that interest was continued to be charged at 30 %. I spent ~an hour on a virtual chat and despite numerous attempts was unable to have my claim escalated or receive notice that the appropriate parties were alerted.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-22
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. (GA)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00}
Consumer complaint received 2023-08-10
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)

I have tried to notify the bureaus take down my child support due to the new law that has been passed this year 2023 which is the FACT act That defines the word credit only when the collections is in connection with a credit transaction number two Credit Agencies must have a court order authorizing to report it written authorization to report it for a contractual agreement to report it permissible purpose and collections is in connection with the credit transaction which child support is not
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX, ph # XXXX, email : XXXX, has continued to garnish my wages after the debt has been paid in full, and in spite of I making several attempts to contact and resolve this, they have simply ignored my demands and as of now, in consequence I have overpaid over {$1200.00}, in addition to the full debt, which was fully paid. My employer cant legally stop the wage garnishment unless they receive notice from them, and they keep failing to do so. Please help
Consumer complaint received 2022-09-22
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX Date Opened:XXXX Balance : XXXX XXXX-Late/Closed Late Date XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Date XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX .Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Closed Late Date XXXX XXXX XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance XXXX XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX XXXX .... Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Closed Late Dates XXXX
Consumer complaint received 2022-09-22
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The Original creditor XXXX XXXXXXXX XXXX XXXX sold this debt to XXXX XXXX and then they sold the dept to Portfolio Recovery Associates llc. XX/XX/2023 the debt was paid through court in a Demand by XXXX XXXX XXXX attorney at law to XXXX in the amount of {$5000.00} the full amount paid. 
Portfolio Recovery Associates is currently refusing to accept the debt has been paid in full for over a year now and continues to slander my credit. I have made several attempts to provide proof that this debt is paid. I have for a year now attempted to communicate this issue with Portfolio Recovery LLC with no success. I have provided the court case number as well as the attorney 's office who handled the debt. Portfolio Recovery continues to attempt to collect a debt that is paid in full. As a result, I have been denied credit, housing and have had a lower credit score which is preventing me from achieving success in my career and life.
Consumer complaint received 2023-08-10
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. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-08
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. (PA)

I am writing to express my frustration and disappointment regarding the ongoing dispute process for inaccurate and unverified negative items on my credit report. It is disheartening to find myself in a continuous cycle of disputing these items, especially when they have been previously acknowledged as inaccurate by another credit bureau.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
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. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-22
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.