davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

N accordance with the fair credit reporting act 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 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-05-29
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-11-09
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. (FL)

There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$4400.00}
Consumer complaint received 2022-05-29
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. (NY)

On XX/XX/2021 I contacted TransUnion about the following inquiries XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX - XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I contacted Experian about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

USAA XXXX account still reflects XXXX late payments and XXXX unauthorized hard inquiry 's. This was said to be removed from my report. Nothing I seem to do will remedy the impact this still holds for my still developing credit history.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have 9 mortgages 8 of these mortgages are for XXXX XXXX one is for my personal residence. On or about XX/XX/2023 I received a letter that 5 of these mortgages would be transferred. These transfers were initiated by the mortgage companies themselves and I had no involvement in the transfer. Three of the mortgages were transferred from XXXX to XXXX. Another 2 were transferred from XXXX to XXXX. These are mostly old mortgages that I have been paying on for the better part of a decade and have a long history of making payments on time. They are still the same mortgages they were not refinanced. Problem is that all the credit reporting agencies closed the accounts ( yes all 5 of them ) and reported them as being new accounts. Typically this would not be a problem but withem doing 5 at once it appears that my credit score took a rather large drop. It appears that this is in the range of XXXX to XXXX points. I did open a new credit card and do a balance transfer but I don't think this would drop my score this much. I believe its related to the closure of these accounts. I could see it dropping if I refinanced or didn't pay, however they seem to have dropped my score because of something the banks did. Doesn't seem right. Could you please look into this. Thank you
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-06-02
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. (AL)

I disputed the Bankruptcy the bureau stated it was validated by the courts i reached out to the court court sent a letter stating they do not report to the credit bureaus I sent a copy of the letter to eah bureau and they are refusing to remove the information from the report they were untruhful and saying the courts validated the information when the corts saids clearly they do not
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (FL)

XXXX and XXXX is reporting a balance of {$5000.00} with Prosper account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like Prosper to send the correct balance of {$0.00} to XXXX and XXXX. I would like XXXX and XXXX to correct Prosper account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I contacted Experian about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021XXXX XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (NV)

I have asked this company to stop calling me. I am aware of the collection. They are consistently notifying XXXX, XXXX, and XXXX every other day or every day reporting the same collection which are notifying me. This needs to stop!
Consumer complaint received 2017-07-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M.A.R.S., Inc. (KS)

On X/XX/17 I received a letter and a call from MARS Inc. stating I owed {$1400.00} to XXXX XXXX XXXX. According to MARS Inc. they collect on accounts for XXXX XXXX XXXX and this amount was due for amounts owed from moving out of an apartment I rented from XXXX XXXX XXXX. I disputed this amount through letters and several communications. MARS Inc. then started reporting this amount to the Credit Bureau 's. On XXXX/XXXX/XXXX I sent a very detailed letter to XXXX XXXX and XXXX XXXX XXXX explaining why I did not owe this debt and in fact XXXX XXXX owed me money, they did not respond and continued reporting this amount to the credit bureau 's. Due to this I filed a small claims action on X/XX/17. I won the small claims action on X/XX/17 and was awarded {$570.00} plus interest. A few days later MARS Inc. called me and they knew about the judgment against XXXX XXXX XXXX but informed me I still owed {$880.00}. I sent a copy of the Petition I filed and the Journal Entry of Judgment to MARS Inc and they are still reporting that I owe {$880.00} to all the Credit Bureau 's to this day.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have filed a report with the federal trade commission and identity theft.gov regarding these fraudulent accounts opened in my name without my authorization or permission. I demand these accounts be deleted completely off all major credit reporting agencies as they are fraudulent misleading and deceitful. I am avictim of identity theft and have attached my report supporting my dispute.
Consumer complaint received 2020-02-13
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. (IL)

I have repeatedly disputed inaccuracies on an account named XXXX XXXX on my TransUnion credit report. TransUnion has responded that they verified with the creditors the account information. However that can not be true because XXXX is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the TransUnion is supposed to verify and report accurate information or they must delete. TransUnion is violating my rights under the FCRA, which is illegal. TransUnion has never sent any method of verification, who they spoke with or how they verified this information. TransUnion needs to delete this account since they can not verify and report accurate information
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (TX)

I received a letter from the federal trade commission saying that Ameritech Financial is being sued for deceptive practices. According to the information on my loan account my loans were consolidated on XX/XX/XXXX. This is when I joined Ameritech financial. 
My first year and half was {$250.00} a month, then it was lowered to {$99.00} a month. 
I had several calls from other companies asking me to move over to their company, I am a consistent individual so when I am with a company I stay with the company. 
Ameritech contacts me via email when I make a payment, before a payment is due and what it will read on my bank statement. I never thought they would be sued. 
Here is where they started to " rub me the wrong way ''. 
I had to change bank accounts and in that process I contacted XXXX XXXX with Ameritech asking her to give me the address so I could sent them a money order. I did not hear from her so I sent it to the wrong company ( XXXX XXXX ). 
She contacted me later saying I was behind on my payments and they never received the money. I let her know that I sent it to XXXX XXXX and she said none of my payments are going toward the balance of the loan ... Confused I said, how do I get the money back? She said I needed to call XXXX XXXX directly ... That was XX/XX/XXXX ... I still have not gotten the money back for that transaction. 
XXXX contacts anytime they do not receive a payment or my payment is late because of automatic drafts, however contacting them is a long phone call, and days of waiting. 

I did take the time to change my password and information for XXXX XXXX and XXXX as advised in the letter. Through these websites I have seen that my overall balanced has increased significantly, as if payments have no been made since XXXX. 
I am angry, confused, and disheartened, because I have given a portion of my earned income each month hoping that my, now consolidated loans, would be lowered. 
As a consumer what can you do for me?
Consumer complaint received 2022-12-19
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40.00} US DEPT ED XXXX XXXX : {$1500.00} US DEPT ED XXXX XXXX : {$4800.00} US DEPT ED XXXX XXXX : {$580.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (CT)

Discover Card and a few other collectors keep calling my cell phone and my mother 's cell phone for my brother 's debt. I told them this is not his phone number, I do n't owe you the debt and to take me off the call list. They say ok and then they still call / harass, almost every single day. They even called us on Sunday XX/XX/XXXX back to back at XXXX XXXX XXXX XXXX and at lunch time.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (IL)

RoundPoint Mortgage Servicing keeps contacting me about refinancing option. I have told them multiple times that I was not interested and they should stop calling me. This happened between XX/XX/10-XX/XX/2020
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC (NM)

On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : Machol and Joannas LLLP XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( XXXX XXXX ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to Machol and Joannnas, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX email : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2021-11-05
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: Telerecovery Corporation (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX XXXX  XXXX XXXX XXXX XXXX  Date disputed : XXXX
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I keep logging into my XXXX NFL card to make a payment and see my balance. I have never missed a payment. I login with my autosaved credentials and receive the message, " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' I call the number and am received by a person in a call center in another country ( feels like fraud. ) I go through the verification process and they state that, " The NFL Portfolio has been purchased by Comeity Bank and I need to call the number XXXX for support of this account. '' I call the number and the computer states, " we are experiencing technical difficulties, please try again later. '' I do not care who owns my debt. I do not want to be monetarily penalized, mu interest rate affected, or have my credit affected because they are disorganized.
Consumer complaint received 2022-05-29
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. (FL)

Account XXXX XXXX Acct # XXXX Has violated my rights 15 usc 1681 section 602 8 states, I have the right to privacy 15 use 1681 section 604 a section 2.

A consumer reporting agency can not furnish any account without my written instructions. 

On XX/XX/XXXX  debt of {$780.00} was placed on my XXXX  and equifax credit report by Account XXXX XXXX. I've never heard of this company or conducted business with this company before. I've also disputed this debt through XXXX and Equifax as well.
Consumer complaint received 2022-05-29
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. (IL)

The credit bureaus stated account name and account # XXXX XXXX XXXX XXXXXXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date reported is not accurate. this is ground for removal. they also violated my rights under 15 U.S.C 1681 section 604 A Section 2 ; The law clearly states a consumer reporting agency can not furnish a account without my written instructions. they also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( A ) ; The law Cleary states the credit bureaus have 5 days to notify me from when they receive my disputes. they also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). the law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2015-09-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OK)

I owed a balance to USAA. I filed for bankruptcy and included the balances, even though I paid them off after the bankruptcy was discharged. They put on the XXXX XXXX list and i have not been able to open a checking account because of them black listing me. I have paid everything owed to them even though I was not responsible for paying them back since they were discharged, They said that they will keep me on there since I filed for chapter XXXX for 7 years.