davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, Transunion, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Consumer complaint received 2022-04-16
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: GOLDMAN SACHS BANK USA (CA)

This credit card was opened with an email address that was not verified or in use for over 10 years. 

Since this lender does not provide statements, only emails concerning charge, they were sending notices to an old email address not in use. 

There was a very nominal amount charged to the account automatically. 
That I did not authorize or even know about. 

This is what caused a perfect credit score to be tarnished. 

I have tried many times to explain this to the creditor only to be ignored. 

They can as well as you can see that my score was perfect at the time this account was opened. 
Do you think for a second, I would not pay a {$35.00} charge and run a risk of harming my perfect credit. 

Can you please help me make this clear to the creditor? And please ask them to remove the negative rating to my credit. 

Sincerely and with complete honesty ... ... XXXX XXXX XXXX PS. I look forward to your response.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AR)

Between in 2018 my identity was stolen through XXXX XXXX. There were multiple accounts in my name. Every time I would call to close the account due to fraudulent activity, the new account was compromised also. I would like LVNV FUNDING LLC to remove the amount of {$800.00} from my credit. in which they are claiming I opened on XXXX. And the amount of {$1400.00} from my credit, the date they are claiming I opened the account is XXXX.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

Lost wallet in XXXX last month. I had my ID, Ssn, bank card, and other personal information in it. Ive been seeing weird activity on my account and my bank account was recently closed due to fraud??? I contacted my bank today and was told that my account was closed. I contacted XXXX last week to free my lines of credit.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Hello, my name is XXXX XXXX XXXX, XXXX : XXXX Date of birth : XX/XX/XXXX my home address is XXXX XXXX XXXX XXXX XXXX MN XXXX. 

Equifax file # XXXX Dear Sir/Madam. I'd like Equifax to delete this account that is reporting to my credit report. I contacted Equifax, and they provided me a file number for the account that I'm contesting, and they told me that we notice this is not your account, and that we should be removing it within 48-72 hours. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, I eagerly anticipate resolving this issue as soon as feasible. 

XXXX XXXX reported XX/XX/XXXX {$5100.00} Reported XXXX XXXX limit {$4300.00}
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-04-03
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.
Consumer complaint received 2022-04-16
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. (FL)

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. 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 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (NC)

Between XX/XX/2016 - XX/XX/2016, DIVERSIFIED CONSULTANT called me over XXXX times. Sometimes 3 times within the same day. I tried to answer every call. Each time, they would say that they have an important legal matter to discuss and would ask me to verify the last XXXX of my SS # and/or DOB. Each time I told them that I do not/would not provide my personal information over the phone without knowing the specific reason for the call. They said that they could not give me any details until or unless I verified my personal information. Each time, I asked them to send me correspondence regarding the matter and I would then respond accordingly. I then gave them by PO Box mailing address. I NEVER received any written correspondence from DIVERSIFIED CONSULTANT. On XXXX XXXX I checked my XXXX credit score and credit report and found that a collection from DIVERSIFIED CONDULTANT was there. I called the number listed, and explained that they were improperly reporting the collection of a debt that had not been verified as mine. I gave them my name and mailing address and the partial account # as reported in my XXXX credit file. They did not have a match in their file. They insisted that they could not help me further without providing the last XXXX of my SS #. I provided the SS # s numbers and they pulled up the account. The address that they had in their file is not nor has it ever been my address. I asked them had they ever sent me correspondence about the debt. I was told that a letter was sent on XXXX XXXX to the address in the file -which again is not my address. I then asked for a fax number so that I could write them regarding my frustration and how they were improperly and probably illegally reporting this debt to XXXX and/or other credit agencies. I was given the fax number XXXX. I tried more than 20 times to fax to this number between XX/XX/XXXX-XX/XX/XXXX at different times throughout the day and night. IT ALWAYS rang busy - as late as XXXX EST as well as XXXX EST. I called back on XX/XX/XXXX and XX/XX/XXXX asking for an alternative fax number each time. I was told that this was the only fax number. I explained that the debt was not mine, the address they had on file is not/was not mine, that they had not ever sent me any correspondence and therefore I know that they had not properly verified the debt as I read and understood the fair debt collections practice act. I told them that I wanted a valid fax number so that I could fax them immediately or for them to remove the collections account from my credit file. I was told that my only option was to write them. I thanked the representative for his time and told him that I would be filing a complaint with CFPB.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MONEY SOURCE, INC., THE (CA)

My husband and I were approved for a mortgage with Endeavor America, almost a month later the lender changed the terms and established a deadline which stated we needed to close by XXXX XXXX. Endeavor never notified my broker, agent or myself in writing or verbally of this new deadline. My team pushed to get the loan closed by XXXX XXXX for other reasons but was told by the lender that they did n't have anyone in the office who could complete our loan because everyone was on vacation or was busy working other files causing us to miss their newly imposed deadline they never told us about. Sometime in XXXX we received a call from the Endeavor underwriter, during that call she explained that they ( Endeavor ) made a mistake by not notifying my broker and agent and that they were sorry for the inconvenience. She also stated that my broker and agent was completely unaware of the newly imposed deadline because she had somehow missed putting the notification on the approval and never sent the new terms. In XXXX my broker spoke with an Endeavor representative about another file and was informed that " they do n't do that type of loan any longer '' so my broker asked " what about my XXXX file '' and the representative told him everything was fine. Shortly after we were notified of the cancelation. They then told us they would only make the loan if we gave them an additional XXXX XXXX XXXX dollars when our original down payment was around XXXX XXXX dollars.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

I received a notice in the mail on XXXX from Convergent Outsourcing , Inc. stating I owed a debt to XXXX. On my credit report from all three major credit reporting companies that I had an account opened with XXXX in XXXX of XXXX. 
I sent a letter via certified mail to Convergent Outsourcing, Inc. on XXXX requesting verification of the debt owed. They mailed me documentation on XXXX indicating an account from XXXX had a remaining balance. However, in California, I understand the statute of limitations on debt collection is only 5 years? 
I am confused as to what my next step would be and how to get the negative information removed from my credit report as it is inaccurate. So it 's not exactly that they are trying to collect the wrong amount, but it is that non should be owed because the debt is from 6 years ago. 
Please provide some assistance. Is this illegal and aggressive debt collecting or am I misinterpreting the situation. The fact that they purchased and opened this debt in XXXX and reported it to the credit reporting agencies as an unpaid account opened with XXXX before I had received any communications about the debt or had any chance to dispute it seems unsettling. 
Thanks. 
XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Where is my certificate XXXX, XXXX XXXX, Equifax? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

I deny that this is my debt, and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Diversified Consultant Inc
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-04-16
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MO)

Someone open an account using my identity as listed below '' Account name FRANKLIN COLLECTION SERVICES Account number XXXX Recent balance {$470.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX This is reported to XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-03-18
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 had an auto loan through XXXXXXXX XXXX XXXX  that stopped reporting updated information. Back on XX/XX/2021. I filed a dispute to get updated payment history and update the file. But instead of updating the info TransUnion removed the loan completely from my report causing my score to drop 50+ points over the past month or two. Just wanting to get the loan back on my report and updated so I can continue building credit and get myself a new vehicle.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I applied and received a credit card from USAA with a 0.0 % APR for balance transfers. After I was approved, I found out that balance transfers would be at 12.9 % APR. The day after I applied and was approved, I went online, and all mention of the promotion on the USAA website was gone. I called and asked them to look into what happened. On XXXX XXXX, USAA send a letter ( attached ) and said that they found the problem, and that they would now apply the 0.0 % APR to my balance transfers. However, because of the problem, I did n't make any balance transfers because I did n't want to pay the 12.9 %. The promotion ended in XXXX 2015, and now USAA says that I can not transfer any balances and receive the 0.0 APR. They said that regulations prevent them from honoring the original agreement and that I should have transferred the balance before the offer expired. All I want is to transfer the balance of another card and get the 0.0 % APR they offered when I applied for the card. I have banked with USAA for many years, and they have been an excellent organization until this incident. I have discussed the problem with XXXX levels of their customer service, and they have been sympathetic, but unwilling to honor the original agreement. 

If I had been able to transfer the money when I received the card, I would have saved about {$500.00} in interest that I could have used to pay down my balance ( which was the sole reason I for applying for the card ).
Consumer complaint received 2022-04-16
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. (AL)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report on XX/XX/XXXX and XX/XX/XXXX but I was ignored in my initial reach outs. When I did not receive a response I sent a a second letter and again still did not get a response. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.
Consumer complaint received 2016-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

RMCB is attempting to collect on a supposed past due charge for XXXX. Neither I nor any member of my family has ever purchased XXXX, especially on credit. This is completely fraudulent.
Consumer complaint received 2015-05-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Orions Management Group, LLC (OR)

Years ago, I opened up a credit card with XXXX XXXX. I was doing a good job paying everything back on it that I used, but then my family and I had an emergency in which we were being kicked out of our home. I had to use the credit card more often and had no money to repay what I used. Eventually, it accrued more interest and was closed. Yesterday, I received a call at my job from a credit debt company called Orion 's Management at my place of employment, looking for my supervisor. I got the information from them and called them back from my personal phone. I spoke to a XXXX XXXX ( XXXX? ), and asked him why he was calling my work. He told me his company had left several messages with me ( they had n't left any messages, as far as I know ) trying to get in contact with me and had received no word. They told me they were calling my work to speak to a supervisor about garnishing my wages, for an ~ {$800.00} credit card bill. They told me they would file for a judgment against me. When I told XXXX XXXX that if I were to pay it off right now, I would have absolutely no money for my rent or bills, he became extremely rude and told me " Well then, get out your calculator and see what XXXX % off of your paycheck will do to your rent, '' and then we hung up. I feel that Orion 's Management has broken the law several times in that one phone call. XXXX XXXX called my place of employment, for one, after his company had called my place of employment once before and my Supervisor told him not to call anymore. He also wanted to speak to my supervisor about garnishing my wages, which is something he should not be able to do without an official judgment against me. His rudeness and bullying also caused me, who is diagnosed with XXXX and XXXX, to become XXXX and cry while I was at work, making it difficult for me to continue doing my job. I feel that XXXX XXXX has most definitely broken some laws here and I would like for his behavior to be investigated.
Consumer complaint received 2022-04-16
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act Convergent Account ; XXXX  XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, 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 a 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
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (PA)

XX/XX/XXXX On XX/XX/XXXX I received in the mail a bank statement from Wells Fargo every day checking I have never opened a Wells Fargo every day checking account or a Wells Fargo account. I called Wells Fargo with the account number on the statement as well as the surname ( that was my surname 6 years ago but not now ). I spoke to XXXX & XXXX in the fraud department of Wells Fargo explained that I never opened this account, I did have to verify the last four of my social which she verify it was correct she did tell me this account was open in XX/XX/XXXX. I was instructed to file a fraud freeze alert with credit bureaus, contact my bank and notify them of my stolen identity, file a complaint with federal trade commission/Consumer financial protection Bureau and then File a police report with my local police. I am filing this complaint because someone has stolen my identity and opened a bank account and who knows what else is out there this is FRAUD and I would like to have it stopped.
Consumer complaint received 2024-03-12
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)

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 1

5 USC 1681.

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.