davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (KY)

I receive a robo phone call at least 3 times a week regarding a debt on a gym membership that was a gift for me, in another state, almost a year ago. Although I did not fill out any of the paperwork, use my credit card or have anything to do with the sign up process, I still receive these calls. The past due debt has been paid in full and I have been emailed a receipt of the settled debt by the person who started the account, I am continually harassed by XXXX XXXX on the Behalf of XXXX XXXX in XXXX XXXX Texas.
Consumer complaint received 2022-11-07
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. (VA)

On XX/XX/22 I got a letter saying that everything was verified do to them violating my rights these loans should b removed immediately with a accuracy credit score Violations.

1. ) 15 USC 1681 section 602 a state 's I have the right to privacy.

2. ) 15 USC 1681 section 604 a section ( 2 ) it's also States a consumer reporting agency can't furnish account without my writing instructions.

3. ) 15 USC 6802 ( a ) ( b ) ( c ) which state that obligation respect to disclosure of personal information
Consumer complaint received 2019-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (IL)

I applied for a loan modification end of XX/XX/2019. I was informed via a letter that STATEBRIDGE had a complete package and in 30 days I would receive an answer. I did not receive ANY ANSWER from them. 

Furthermore, I called onXX/XX/2019, I was told to send an email to loss mitigation. I sent the email and received no answer. On XX/XX/2019, I spoke to XXXX, still no information available to me, and no answer. 

The woman who is working on my file is XXXX. She has put no notations on my file, so I can not obtain any information. Furthermore, XXXX says well your current on your mortgage. What difference does that make if I need assistance?
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

Upon further review of my TransUnion Credit File, I've noticed there are names, addresses, phone numbers, employers and inquiries which do not match my non-public personal records. REMOVE ALL NAMES from credit file ; XXXX XXXX XXXX [ UPDATE ]. REMOVE ALL EMPLOYERS from my TransUnion credit file as I do not work for any of the employers that Transunion is reporting and is therefore inaccurate. REMOVE ALL ADDRESSES from the TransUnion XXXX file. Addresses that are reporting to my TransUnion credit file I no longer reside. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non-mailable address and therefor inaccurate. Updated address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Updated Name XXXX XXXX XXXX XXXX  REMOVE ALL HARD INQUIRIES. Any accounts attached to addresses herein, have been updated with the data furnisher. Provided is my social security card, government ID and XXXX XXXX XXXX phone bill with updated address as proof.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant XXXX and XXXX  distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2024-03-11
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. (FL)

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX | XX/XX/2022 XXXX  | XX/XX/2022 XXXX  | XX/XX/2022 XXXX XXXX | XX/XX/2022
Consumer complaint received 2019-07-19
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. (WA)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2023-07-28
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. (SC)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2022-12-19
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. (TX)

Last month I sent a dispute letter to the credit bureau. I took the time to research consumer laws to dispute incomplete & inaccurate reporting on my credit report. I have contacted the credit bureau and they could not find the letter I wrote or either they assumed a 3rd party wrote the letter. My letters were not even looked at. Although I have stated I wrote the letters and it is not even against the law to have a 3rd party send off letters on my behalf ( such as XXXX Law ) I was not given a reason for how they determined this. 

I am filing a complaint and asking you again to reinvestigate the following accounts. I would also like a copy of my updated credit report within 30 days.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 an account without my written instructions
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IA)

On XX/XX/2022 @ XXXX, I was reviewing my XXXX XXXX Credit Report XXXX When I noticed a Collection that was unknown to me. 

Am Sher Collections Services is listed on my credit report for {$69.00}. The original creditor is XXXX XXXX. 

I called the phone number listed on the credit report - XXXX. At XXXX XXXX I spoke with a lady who would not give me her name. After giving her my name and Social Security Number she stated " We don't have a listing for your collection ''. 

This was reported to the credit report on XX/XX/2022. I was never notified of this debit. When I called to get more information I was told they don't have anything for me.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NEW IMAGITAS, INC (NC)

I'm not sure if this is the correct complaint section to list this under but I will do my best to explain. I closed a mortgage through one of Bankrates providers and they promised a XXXX reward card when I closed a loan with them. I uploaded the required documents ( Closing Disclosure ) and they confirmed it would be up to 60 days to " review. '' Well, I uploaded those documents after I closed on XX/XX/28 and have attempted to contact them several times since but receive no reply email or phone calls and it appears they are hoping I move on and don't take action on what they promised.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 15 USC 1681. XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, DEPT OF EDXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXXXXXX XXXX : # XXXX have 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 2023-07-28
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. (KS)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2017-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Stellar Recovery, Inc. (CA)

I applied for a job in XX/XX/XXXX, 2017. I needed FBI clearance. The result of my clearance ( great! ) came from the potential employer. To my surprise, there is a {$1000.00} account in collections from XXXX XXXX. I have never had a XXXX XXXX account in my life. I have never been notified of a debt from XXXX. I called the company ( after XX/XX/XXXX ) who was listed as the collection agency : Stellar Recovery, Inc. XXXX XXXX XXXX XXXX, XXXX. MT XXXX.I spoke to a representative whose name I forgot to write down. I asked who? What? When? Where? How? She knew nothing. She placed me on hold for 20 minutes but could not find anything on this debt. I asked to speak to a Supervisor. I spoke in great length to XXXX XXXX. He could not find anything, but promised to get more information from the creditor. I have called him several times to follow up on our initial conversation, but can never get him on the telephone. This is very disturbing. Had I not needed FBI Clearance, I wold have never know of this debt because it does not show on XXXX XXXX. I need help.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXXXXXX XXXX remarks on accounts : Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
Consumer complaint received 2022-12-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IN)

I recently complained to the CFPB about tactics my financial institution was doing in order to restrict my access to my money. As expected the bank denies discrimination and does not give a reason for their actions. Hiding behind an agreement that legally covers their actions. Well as retaliation for my complaint to the CFPB, Chase Bank is holding money from a payment I took on Friday. This payment was taken via credit card and this morning I was informed Chase has received the funds from the other financial institution but is not giving me access to it because it needs to be reviewed. They state they dont have to tell me what is being reviewed or why the review is necessary only saying they can hold my money for up to XXXX business days without explanation. XXXX sorry but this is retaliation and XXXX  there is no reason that holding my money is necessary. In fact doing so is causing financial harm as I believe overdraft fees have begun to accumulate and employees are left unpaid
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-03-11
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. (NY)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

The FCRA mandates that XXXX promptly investigate and rectify the issues raised in this communication within four business days from the receipt date, as stipulated in 605B ( a ). Attached are relevant sections of the Fair Credit Reporting Act, namely 605B ( Block of information resulting from a Data Breach [ 15 U.S.C. 1681c-2 ] ) and 604 ( Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ). I did not authorize these actions, constituting a breach of my privacy rights. Kindly scrutinize the listed accounts and inquiries, taking immediate corrective action based on your findings or for non-compliance. Per FCRA, XXXX must liaise with the creditor and validate the item within 30 days or remove it. I have submitted an affidavit affirming clear instances of fraud and unauthorized inquiries in my credit report, urging prompt resolution to avoid legal action.
Consumer complaint received 2022-12-14
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. (CA)

I submitted a letter to Experian and XXXX dated XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : {$630.00}
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I purchased a XXXXXXXX XXXX and paid for the part up front and put the rest on the balance on a new XXXX XXXXXXXX XXXX XXXX XXXX. Unfortunately, I had to return the XXXX XXXX about a XXXX later. I had paid XXXXXXXX XXXX payment on my XXXX XXXX but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX XXXX payment which was considered an over payment. It took XXXX XXXX XXXX to credit my XXXX XXXX XXXX  account and I never got my refund check for the over payment.
Consumer complaint received 2019-07-19
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. (FL)

XXXX ; Experian and XXXX are reporting incorrectly on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I never authorized this account to be opened ; I never signed these documents ; and consequently my signature was forged. I have attached a copy of the XXXX Retail Installment Contract and Agreement datedXX/XX/2018. I have contacted the ( 3 ) bureaus to have this issue resolved, however I have not been successful. Reporting of this fraudulent account is hurting my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC (FL)

I have been contacted twice by 2 different Debt Collection agencies requesting I pay {$280.00} associated with a hot check written to " XXXX XXXX '' ( now " XXXX XXXX XXXX XXXX. '' ) account # XXXX. This check was written against a XXXX XXXX bank using my name. I have never banked with XXXX XXXX. This imposter allegedly also used my SSN according to the Debt Collection agency, which is Diversified Recovery Bureau LLC. According to the Debt Collection agency, this imposter also used this email address " XXXX '' with their transaction -- which is not an email account I have ever owned in my name or used. Furthermore, this imposter worked at a construction company ( can't recall the name they provided ) which I have also never worked at. 

This is not my debt and I refuse to pay the debt of someone using my name and SSN. 

My understanding is this transaction took place sometime in 2014. The first time I am hearing of this matter was by being contacted by the 2 collection agencies. 

I have responded to both companies ( via phone when contacted ) confirming this is not my transaction and that I would be reporting this as fraud. I have email correspondence from the most recent discussions with Diversified Recovery to document the above, as well as attached herein.