davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The XXXX that I received through XXXX is XXXX for TransUnion ( and higher for XXXX and XXXX ). However, XXXX XXXX XXXX XXXX informed me that the one hard pull of my TransUnion credit score gave me a score of XXXX. I froze my TransUnion credit report following identity theft incidents and I have not been notified of any activity on my report other than the XXXX XXXX XXXX 's hard pull which happened once after I temporarily lifted the freeze today. My credit report does not show any negative marks, I have had no delinquent accounts and I have had no major event that would have required a hard pull on my credit before today. Why is there a huge discrepancy between the two scores I have received? 
Also, I updated my information with TransUnion ( and the other 3 credit bureaus ) multiple times, however, TransUnion still does not have my most recent employer listed and they continue to list my husband 's number on my credit report. I am also concerned that TransUnion has my maiden name listed in my file still ( this is the information that I also see with XXXX despite my updates ) and my married name listed on its website.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX - XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX I was behind my bills because child birth. 
I have paid all the accounts in full and all the accounts is close but still showing on my credit report which is really affecting me negatively.
Consumer complaint received 2021-09-27
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. (SC)

US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus Exerpian, XXXX, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.
Consumer complaint received 2024-03-14
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: EQUIFAX, INC. (MA)

I have provided documentation to Equifax and had sent them the statement of Within XXXX business days after receiving your submission, consumer reporting agencies must block adverse information that resulted from trafficking from appearing on your credit report. This rule applies to all consumer reporting agencies. 

I have had letters and documentation from Trafficking State Agencies forwarded to this company with no response and then them acknowledging the loan saying, I had paid. I was forced to pay it. I give all of my hard worked money to keep my credit stable even though it not my debt. I have XXXX XXXX children that I plan to purchase a home for soon into the future give our bad breaks we have been through in life. I also need a practical vehicle given all of mine and my childrens medical needs. So, I do my best to keep my credit in tact for the kids.
Consumer complaint received 2021-09-27
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. (SC)

US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, XXXX, and Equifax for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since 2017. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.
Consumer complaint received 2021-09-27
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. (SC)

US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, TransUnion, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XX/XX/XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.
Consumer complaint received 2024-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted transunion, XXXX, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel transunion, XXXX and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX ''. 

Thank you
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (WA)

I agreed with XXXX XXXX XXXX representative XXXX XXXX in XXXX to pay a portion of the amount owed for my mother 's XXXX XXXX XXXX  provided at XXXX XXXX XXXX XXXX California incurred during her stay in XXXX. The debt arose because XXXX XXXX XXXX  XXXX had represented to us that they were an approved XXXX XXXX provider for the California pilot care program. The care was to be paid for by the State of California under their XXXX XXXX pilot program in XXXX county, but the facility 's new owners had let their license lapse so they were not eligible to participate. As a result, my Mother 's claim was denied and we had to move her to a facility that was approved. I agreed to repay a total of {$12000.00} and began to make monthly payments of {$250.00} to XXXX XXXX. As of this writing in XX/XX/XXXX that debt was less than {$2000.00}. I XX/XX/XXXX I received a letter from Monterey Credit, who had just acquired XXXX XXXX advising me that I owed {$14000.00} and that I had 30 days to dispute this charge or be held liable for it. It is signed by XXXX XXXX. I have called Monterey Collections several times now and after speaking with a receptionist have been told to hold while being transferred only to have the line go dead on each occasion. I believe they are acting in bad faith in not speaking with me.
Consumer complaint received 2023-05-12
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. (FL)

Again, I found my credit report to contain inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify these items ( A ). Disclosure as information without confirmation within the statutory period is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TX)

ASPIRE Credit Card has decided that I agreed to pay a " Maintenance Fee '' after the 1st year that my card was open. I recently was charged {$12.00} for this fee that they say even if I close out the card, they can still charge. This is not the Annual Fee of {$49.00} or the Interest, it is a fee they set and will continue to charge until the account is a zero balance. It is very unfair. 

I recently since XX/XX/2021 have had 4 XXXX for XXXX and been struggling. I called in to them to get caught up and no one tried to tell me about this additional hardship or Credit Protection until today XX/XX/XXXX 

I called XXXX XXXX and have 2 cards with them. They do not engage in thus practice. 

This company address is : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

I wish to complain Shellpoint Mortgage & XXXX, XXXX, of Fraud in the servicing of my Home Mortgage product, Loan # : XXXX that I purchased in 1995, located at XXXX XXXX XXXX , XXXX Pa XXXX in XXXX XXXX , Pennsylvania , under the 010 Pa. Code 48.3. And the Federal Laws of the Fraud Enforcement and Recovery Act ( FERA ) enacted in 2009.

I am complaining because major Federal laws were violated by my mortgage servicers under RESPA Violations and Foreclosure ; 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts, and they continue to get away with fraud and financial exploitation. To date, Im still waiting to obtain information of the actions taken by CFPB since federal laws are violated in my case before the services of your good offices. The companies in my case have failed act on their own solution/s you requested from them that they provided CFPB with working solution within the letter of the laws given my case concern/s what I see as a fair remedy that is part of the record.
Consumer complaint received 2021-09-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (HI)

I am a XXXX  for estate who held a reverse mortgage since XXXX on his property. XXXX XXXX was the servicer then XX/XX/XXXX XXXX took over. You were instrumental in resolving the problem of the month in XX/XX/XXXX complaint XXXX. I sold the unit XX/XX/XXXX and was required to remit in full the amount listed on the payoff statement dated XX/XX/XXXX. On XX/XX/XXXX I contested {$6500.00} and {$1000.00} property tax erroneously paid was removed. Subsequently I received the XXXX statement and {$41.00} plus {$5700.00} charge which increased the loan balance was contested overpayment to {$11000.00}. which was transmitted to RMS XX/XX/XXXX. on XX/XX/XXXX supervisor XXXX XXXX told me payoff statements were an estimate and any overpayment would be refunded. On XX/XX/XXXX at XXXXXXXX  CD {$410.00}, XXXX was transferred into RMS account. This weekend I received a notice RMS would no longer be servicing this account and would not be able to send checks after XX/XX/XXXX as XXXX XXXX  XXXX would become the servicing agent. Today RMS customer services XXXX reiterated they would respond in 30 business days and after XX/XX/XXXX would not be servicing. Supervisor was not available. Since the loan has been overpaid in full, there is o longer a loan to service. What can I do to recoup the overpayment? I elected to satisfy the Payoff statement in order to complete the unit sale which recorded XX/XX/XXXX. How can I recoup the overpayment? 
Reverse mortgages are impossible to deal with, my sympathies to anyone else that must interact with them.
Consumer complaint received 2021-09-27
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. (PA)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-03
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. (IN)

TransUnion, XXXX, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by TransUnion, XXXX, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Associates of Maui, LTD (HI)

Dear Sir/ Madam I and my partner rented a small shop from a management company called, XXXX XXXX XXXX a realty company in XXXX XXXX we had hardship in running the business and made up to a decision to close the company after 1 year. we settled down with Mr.XXXX  XXXX in XX/XX/2019, he verbally told us not to worry about the rent, and now we see they have given it to a collection agency after 2 years, called Credit Associated of Hawaii, located XXXX XXXX XXXX XXXX HI XXXX. We have been getting calls from them and they have reported to the credit bureau, in this pandemic we are trying to keep up life normal, we are ready to finalize with them as well and offered them {$4000.00}, they are asking $ XXXXWe are requesting your agency to help on this matter. 

Sincerely XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-02-03
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. (IL)

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, 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