davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (CA)

Hi there, I noticed that unfair credit practices happened with XXXX and TransUnion. I have been working to pay debt off in order to have a better credit score so I may be able to have low interest rate on a car and to also be able to have housing in a good area for my children. For the last 2 years I have been poring off debt and notice a descripency in the points that are added into my account. Because of this my credit has stayed in poor status causing me to be in areas unsafe for my children due to being denied housing due to low credit score. I recently paid off a credit card by {$240.00} dollars of a XXXX dollar limit and was only given 7 points for paying credit off. Months ago they gave me XXXX points just for paying down credit card by {$120.00} dollars. It looks like an unfair practice for me to have minimum debt and a low credit score. Please help in the ensuring fair practices are happening.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (CA)

I submitted a payment under protest after being told that this would stop all further collection action. 

A week later, the company submitted a collection account to the credit bureaus and tanked my score. They lied to me. I have a phone recording.
Consumer complaint received 2017-09-06
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. (CA)

Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : XXXX : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} TransUnion : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XXXX XXXX, XXXX, I incurred a financial obligation when I purchased my home located at XXXX , GA XXXX for the amount of {$180000.00}. The loan was evidenced by a Note, naming XXXX as the " Lender. '' Sometimes thereafter, my Security Deed was assigned to Select Portfolio Servicing. I, however, was not provided any notices of the purported assignment, sale or transfer of the servicing of the loan to Select Portfolio Servicing. I began to have difficulty meeting my obligation during the housing market collapse. In an attempt to save my home, I 've made various efforts to get an affordable loan modification from Select Portfolio Servicing. All attempts, however, were unsuccessful. It appears that they refuse to give me a reasonable workout option and is bent on taking my home. Because I questioned Select Portfolio Servicing 's servicing of my loan and how credits had been applied and whether or not my loan account is actually in default, on XXXX XXXX, XXXX I forwarded to Select Portfolio Servicing a Qualified Written Requests ( QWRs ) requesting that Select Portfolio Servicing provide me with ( 1 ) A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied ; ( 2 ) A complete and itemized statement of all advances or charges against this account ; and ( 3 ) A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter. Also, my QWR stated that it was my belief that my loan account has been improperly serviced in that credits for payments made by me had not been applied to my mortgage loan account. Select Portfolio Servicing, however, did not respond to my QWR, took no responsive action and undertook no investigation into the issues raised by my QWR. 
The only way to ensure the integrity of my loan and whether my account has been properly credited is for Select Portfolio Servicing to produce a verified accounting in compliance with RESPA 2605 ( e ).
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper abused its right to report late payment against me. 
Details : On XX/XX/2020, my loan was sold to Mr. Cooper by XXXX. Loan number : XXXX. By law I have 60 days grace period to pay my next payment ( that is XX/XX/2020 ), I paid my XX/XX/2020 mortgage on XX/XX/2020, but Mr. Cooper still reported a late payment. 

Furthermore, when I called them at beginning, they would NOT correct this mistake. I checked the rule and clearly told them it was violation of law, they then agreed to correct it. But I didn't get any information after the call, I don't know if they are correcting it or not. 


According to the rule ( XXXX Mortgage servicing transfers ) defined by Consumer Financial Protection Bureau : Payments not considered late. During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan, if the transferor servicer ( rather than the transferee servicer that should properly receive payment on the loan ) receives payment on or before the applicable due date ( including any grace period allowed under the mortgage loan instruments ), a payment may not be treated as late for any purpose.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I sent a dispute to XXXX  XXXX XXXX about the reporting of transactions on my credit report without the written express instructions to report to the credit reporting agencies. The false reporting resulted in late payments being reported without my consent. This was a violation of 15 USC 1681b-Permissible Purpose. When I attempted to investigate the reporting of the information with XXXX  XXXX XXXX, they replied that they could not locate the account. To resolve this matter, I would like for XXXX XXXX XXXX to remove the false reporting account from the credit bureaus ( Experian, XXXX, and XXXX ).
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (NC)

I sent a dispute to XXXX XXXX XXXXXXXX about the reporting of transactions on my credit report without the written express instructions to report to the credit reporting agencies. The false reporting resulted in late payments being reported without my consent. This was a violation of 15 USC 1681b-Permissible Purpose. When I attempted to investigate the reporting of the information with XXXX XXXXXXXX XXXX, they replied that they could not locate the account. To resolve this matter, I would like for XXXX XXXX XXXX to remove the false reporting account from the credit bureaus ( XXXX, XXXX, and Equifax ).
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
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, XXXX XXXX XXXX account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc. (CO)

As today, I got the mail by Professional Finance company , Inc Reference # : XXXX Total amount : {$16.00} which is my own a debt to XXXX XXXX XXXX  XXXX with an account number of XXXX That was my on job injured. My company which is XXXX XXXX should be paid all of them. 
In this case, my company should be cover all my payment about this injured, and XXXX XXXX XXXX should be contact my company to fixed it. 
Thank you. 
My Email address : XXXX Phone number : XXXX XXXX XXXX
Consumer complaint received 2022-04-21
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: EQUIFAX, INC. (CA)

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 # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 2023-10-20
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. (NY)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. Inquiry Details : -- TRANSUNION -- XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Asset Recovery LLC (PA)

This company called my phone number asking for me I told them it was me and asked them what the call was regarding they refuse to tell me unless I give them personal information so I asked them not to call me and to send a letter They have called at least 3 more times and i repeatedly asked them to stop calling my phone and send a letter. I will not give out personal information to anyone I dont know who wont tell me why they are calling.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MD)

I noticed a collection on my credit report by Diversified Consultants from XXXX, FL. I had never received any information from them regarding alleged account, so I sent them a letter on XXXX XXXX, 2016 asking for verification and giving them my current contact information. I never received a response. I then disputed with the Credit Bureaus asking that they help verify the information or delete the account. The information came back verified, but as a paid collection with zero balance. It was then changed back to having the original balance and a status of " derogatory ''. I still to date have never recieved any communication from this company, nor have I ever paid or had a business relationship with them. The credit report states that the account was from a previous XXXX bill and I have verified with XXXX directly that I have no outstanding balances with them.
Consumer complaint received 2022-04-21
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. (AL)

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I'm requesting a thorough investigation in a timely manner. Thanks
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. Office ATTORNEY GEN account # XXXX 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 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AK)

I opened an AAdvantage credit card with CitiBank a few months ago around XX/XX/XXXX, for the sign up bonus. Today, XX/XX/XXXX, I was {$500.00} away from reaching the sign up bonus. When I looked this morning, prior to making this purchase, my account was open. Fine. I saw no warning. I had also just made a nearly {$1000.00} payment on my card that posted on the day this happened. Then, I pay for something that would put my over the line, and the purchase is declined. My account is closed. 

It seems almost intentional that they close my account on the same day that they receive nearly {$1000.00} from me AND on the purchase I make that would finally put me over the line for receiving that sign up bonus. It feels malicious in intent - they take money I need and then close my account RIGHT before I get any of the benefits but after I owe them enough to get there. 

People will be hearing about this.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}
Consumer complaint received 2022-04-21
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. (MD)

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX in the amount of {$7900.00} has violated my rights posted by the Credit Bureaus on or around XX/XX/2020. 

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 : States " A Consumer reporting agency can not furnish an account without my written instructions ''.
Consumer complaint received 2021-08-27
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX accessed my Experian credit file to open a XXXX XXXX XXXX without my knowledge or permission. The bank can be contacted by mail only.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY (CA)

A business, XXXX XXXX XXXX, had a credit card account with Wells Fargo. The business closed in XXXX, but did not file bankruptcy. Wells Fargo has said that it was guaranteed by XXXX XXXX and myself. I do not believe a personal guarantee was made. At some point, Wells Fargo filed suit against the corporation, XXXX and me. I never received notice. A judgment in favor of Wells Fargo was entered. when I learned of the judgment, I was on the verge of bankruptcy. my home was being foreclosed on was dead broke. Wells Fargo used an attorney to contact me several years after the judgment. I tried to negotiate a settlement without success. I later learned that Wells Fargo had filed to renew the judgment and it was rejected several times. At some point, it was renewed without my knowledge or input. Since then Wells Fargo has contacted me about a settlement. I was offered a deal to settle and only pay 40 % of the amount owed. I told them I would like to speak with XXXX XXXX before agreeing. XXXX said she was not willing to agree. I then asked how I could settle without her. I didnt get a response but a few weeks later a new Wells Fargo rep contacted me about structuring payments on the full amount. I explained that I wanted to take the previous offer. First, I was told that no such offer was made. Wells Fargo uses a secure messaging system that only holds messages for 30 days. Luckily, I had taken a screenshot of the message and sent it to them. They said that offer had expired and it had not been approved by management. I asked them to send me details of their new offer. I still havent received it. I dont think Wells Fargo followed the law to get the original judgment ( I was not served ) or renewal. They definitely have not been fair and upfront about settling it.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} Medical XXXX Balance : {$73.00}
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.