davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (LA)

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 2 out of 3 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. these are the accounts :
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint today against some credit reporting agencies that sharing my personal information without my consent. I have written them a letter saying that I do not consent with them having and sharing my information that they have received from financial institutions because that information is private. This is a violation of 15 USC 6801, 16 CFR 313 and the 1974 Privacy Act. These 3rd party agencies are sharing my addresses, telephone numbers and other personal information. I've called them to removed this information and sent them a letter to opt out and haven't gotten any cooperation. This issue has been affecting the way I do business and has been making it hard for me to receive anything for my family and household goods. I want my anything that has been reporting from financial institutions removed ASAP.
Consumer complaint received 2024-04-30
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: ACIMA CREDIT, LLC (MD)

Applied for credit with Acima - I was immediately given an email stating my app was declined but when you look for the denial reasons etc. It stated it couldnt confirm my identity etc. It pormpted me to call to see what could be done to manually decision the app. I called, spoke with someone who stated they would need the following info bank statement, id, bill, and a paystub- i emailed the requested info to Acima and not response - i followed up today and im being told they dont have any info as it relates to my app and try to reapply in 30 days. not only is this a hard ding to my credit but i have no idea how my personal information is being used. this is a scam
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

We leased a XXXX lead in XXXX in XXXX XXXX. In XXXX, we chose to trade in the leaf for an XXXX. We did the trade at XXXX in XXXX XXXX. A few months later, we noticed that it continued to report as opened. We have made MULTIPLE attempts to have this information be recorded ACCURATELY. At this time, our report is not accurate in reference to this account. Why would we still be paying for a lead for 8 years? So even if they claim its accurate, we dont even have the car in our possession. We also have a representative ( employee at XXXX XXXX XXXX ) who has also been trying to get this information recorded accurately. All to no avail!
Consumer complaint received 2024-03-27
Product: Credit reporting 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. (MD)

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (LA)

The verified information is from a third party. This company is verifying a signed application with another company. This should be removed from my credit because I do n't owe your company anything. I did not sign a contract with millennium financial if you can provide me a signed contract that I signed with your company I will not continue with these dispute efforts. I have not elected to hold a contract with your company, and have no obligation of payment with your office. I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent letters to Experian several times to update the information they are reporting and address that I don't live at XXXX XXXX XXXX, XXXX XXXX, Ga this is not my address. I have asked them to update my credit report with the correct information several times I have listed below the right personal info. 


XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Please update my info My only social security number is XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report My name is XXXX XXXX this is my only name I work for XXXX XXXX  XXXX XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX Ga. XXXX Please remove all other addresses from my report as they are not deliverable to me by the U.S post office , and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

In  XXXX  I opened  XXXX  accounts with Wachovia Bank ; a checking and a savings account. I also used the free safety deposit box offered. Sometime between   XXXX   and  XXXX , the checking account was closed although the savings account stayed at over {$1000.00}. I did not use the bank during this time. The  XXXX   XXXX  Bank took over  XXXX  and my savings account persisted and I received notices every month but now I find that they confiscated my checking account. I recently had to reopen a checking account and the bank tells me my money is lost.   I want it back. It is not as if they did n't know where I was. They were dealing with me all of that time and they had my property until late  XXXX   XXXX .   Checking account Routing # now  XXXX  Checking account Routing # then  XXXX  MY  XXXX   XXXX   XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX  Address is  XXXX   XXXX   XXXX   XXXX   XXXX  WA  XXXX  ( moved  XXXX / XXXX / XXXX  )
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a modification on XX/XX/XXXX that XXXX XXXX negotiated with XXXX XXXX XXXX on my behalf. The trial modification payments were $ XXXX. On XX/XX/XXXX, the loan was transferred to Bank of America and the payments increased due to an escrow shortage. The payments increased to {$2200.00}. I began to have trouble making the payments so I was given an " In House '' loan to catch up on the missed payments. The new monthly payment was {$2400.00}. On XX/XX/XXXX, after I was given the " In House '' loan, I was contacted by XXXX XXXX XXXX to let me know that the property had been overassessed not only for the the XXXX tax years but the XXXX - XXXX tax years as well. The estimated tax bill was {$4500.00} for the XXXX XXXX Tax year. I believe the payment increase due to this over assessment. Not only did Bank of America force me to pay a higher monthly payment, they also invalidated my first modification and increased the principal balance. I paid a total of {$1100.00} to XXXX XXXX  XXXX for their services and I was never reimbursed. The loan was originally a Countrywide loan with a loan Balance of {$320000.00} and an equity line of credit amount of {$80000.00}. In XXXX, it was transferred to BofA. The {$80000.00} equity line of credit was forgiven by Bof A on XX/XX/XXXX. However, in XXXX ( fours years later ), the principal balance increased to {$410000.00} after the second modification. I've contacted BofA at least three times about the increase in payments and they always cite the escrow shortages as the cause for the payment increase. I would like an audit of the loan to explain the many contradictions in the loan payments and the escrow shortages.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-05-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (WA)

I put down XXXX on a used XXXX XXXX XXXX from XXXX XXXX in XXXX wa in XX/XX/XXXX and its been in the shop since then for water and or oil pump tires and now the whole brake system is out and the warranty they gave doesnt cover any of it and that not including the engine problem its a bucket
Consumer complaint received 2022-11-16
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. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

I was notified on XXXX of a credit limit change with my AE store credit card. My limit was changed to {$100.00} from {$250.00}. ( low to begin with mind you ) The letter I received stated that my other lines were too high compared to limit ratios and my score had dropped too much due to Serious delinquency. I haven't been delinquent on any account in almost XXXX  years. 

I did have XXXX late payment with them because I thought I was on auto pay and I was not. I have paid the balance in full including the late fee. I have contacted the company multiple times and have spoken to multiple people over the last XXXX days and as of today XXXX I have no answers and was talked too like a dead beat. They took my limit down and made my ratio on this account go from XXXX  % to XXXX %. This will hurt me with no notice. The rational in the letter I was given, debt to credit limit ratio, was just made worse by their action. They caused their own problem and this is wrong.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

on XX/XX/XXXX I received multiple calls from a number that was similar to my wells fargo number, I was at work and answered, was told XXXX was from Wells Fargo Fraud dept and my account had been compromised. sounded very legit he has all of my information I did not disclose any personal info to them they even put me on hold with wells fargo music and message in the background. I was at work during the call and put my phone on speaker and my coworkers even felt it was a legit call, he said he was going to close my current account and help me open a new one order checks etc. Once we were done, I called my bank just to double check and it was fraud, they had moved XXXX from my savings to my checking and made XXXX {$1000.00} charges, I spent hours on the phone on the XXXX on hold and finally spoke to someone in the fraud dept. Claim # XXXX was told they have 10 days on XX/XX/XXXX called to fu and was told it was denied bc they needed more info spoke with them gave them all same info the previous person apparently did not put in. Checked my account today the claim from XX/XX/XXXX is not there called spoke to XXXX in claims she said it was still denied only reason was they do not cover all fraud claims, asked her where is my letter of explanation and my appeal right and I want to speak to a supervisor, she offered me a Claims escalation specialist spoke with XXXX, she reopened it again, but could not provide me much info or explanation either. Now I have to wait another 10 days etc. In the meantime, the money in my savings was from my homeowner 's insurance for a recent sewer leak that I have to pay to the company for repairs, so I had to take out a personal loan to cover this and other bills while in limbo so this is another exspense I will have in the future, I have been with Wells Fargo since age XXXX I am XXXX and never had a fraud claim and when I do they hang me out to dry.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2024-03-27
Product: Credit reporting 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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2017-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On    XXXX   XXXX  , 2017   , I sent a letter to A ccount Resolution Service  to send me information on collection accounts on my credit report for {$1200.00} and {$980.00}. They are on my credit report as medical accounts. I asked ARS to get me the doctors visit registration sheet copy for those  two  accounts. When I go to a doctor, they give me a sheet to fill out in which I write all my personal information and my insurance information. I requested a copy of the those documents because this will show them that I did provide insurance, therefore those accounts should not be in collection and should not be on my credit report. In response they sent me a letter on   XXXX   XXXX  ,  2017   , stating that they confirmed there 's an outstanding balance, however they did not send me the signed documents I requested. On   XXXX   XXXX  ,  2017 , I replied to them that their response is not a verification of debt and again I requested the medical office documents. As of today   XXXX /2017   , they have not replied. The letters ARS sent me is showing the creditor name "  XXXX   XXXX   XXXX   XXXX   XXXX  '' which I do n't know who they are, the letter does not show the Doctor 's name or address, just an invoice number and a balance. How can I investigate where this debt is coming from, if they are billing me without telling me which doctor 's the invoices belong to.