davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you 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, and I'm including it again. 
XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

Shellpoint servicing is threatening to foreclose and Im only one month behind. They wont allow me access to my online account unless I agree to harassing phone calls and text messages. This company is bullying me, wont allow me to put my overpayment to principle unless I do it online. And constantly adding fees to my account.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

National credit systems says I owe for an apartment in Texas called XXXX XXXX XXXX. I live in Maryland have for 30 almost 31 years. They will not remove it off of my credit. I have called 10+ Times, emailed, etc. 
they are RUDE and ruining my credit. The last name isnt mine either
Consumer complaint received 2021-04-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the UCC code, XXXX never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the UCC. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the UCC, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the XXXX online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and XXXX violated the Michigan UCC by sidestepping the notification process that could have prevented the whole repossession to begin with.
Consumer complaint received 2021-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have disputed 4 accounts held in Experian database since XX/XX/XXXX and Experian has Conspired with the company to further damage me. XXXX. ) Experian told me that the company can have duplicate accounts and report late payments on a Charged off account/ sold account from XXXX with no payment agreement. 
XXXX. ) Experian has said that the addresses do not have to match my address or previous addresses because it is assigned to the government at XXXX XXXX XXXX XXXX XXXX, Washington XXXX. 
XXXX. ) Experian submitted my information to the collector and allowed it to update the aforementioned address to me physical address. 
XXXX. ) Experian told me I have no rights to the information the collector that they call creditor submitted and if I wanted that information I will have to contact it directly. 
XXXX. ) Experian blocked my membership from disputing online and did not submit the 4 credit reports I uploaded on their platform to show inaccurate reporting across the 4 credit bureaus. 
XXXX. ) Experian has used entrapment and conspired to damage me and my character with the collector. 
XXXX. ) Experian said they dont have the power to delete accounts for reporting inaccurate information it is up to the collector. 
XXXX. ) Experian has shared my information with the collector without my consent for profit and gain and updated fraudulent information to my accurate information for profit. 
XXXX. ) Experian would not let me challenge this information and Experian has refused to mail me out dispute results and information presented from the collector. 
XXXX. ) Experian has assisted the collector in the cover up of Securities fraud as I have the Cusip for the account and deposit location of my Signature / Autograph.
Consumer complaint received 2021-04-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

XXXX complaint responded to by XXXX does NOT address the complaint and as usual was closed by your waste of time CFPB organization! Alleged non payment 6 months!
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (GA)

On XX/XX/21 I submitted a request to deposit {$20000.00} from my bank account into my Coinbase Pro account. On XX/XX/21 the {$20000.00} cleared my bank account, but the funds in my Coinbase account remain in " Pending '' status as of XX/XX/21 and I do not have access to these funds. I have reached out to Coinbase multiple times showing my bank statement withdraw of {$20000.00} and my " Pending '' {$20000.00} in Coinbase Pro account and they refuse to acknowledge the issue and have since stopped communicating with me. Please help.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

Let me start off by saying, I've been monitoring my Credit Report for the past 6 months because I'm in the process of purchasing a home. So, back in XXXX I contacted a debt collection company called XXXX XXXX they told me I had 5 accounts 1. {$140.00}, 2. {$81.00} 3. {$81.00} 4. XXXX  and 5. {$100.00} so I paid each one in full and they advised it would be deleted from my Credit Profile ( which it WAS ) until last week. I ran my Credit Report and it shows they reported the debt to XXXX  as XX/XX/XXXX. This is AFTER the debt has already been paid off. I called them and they were not trying to help me or get this issue resolved. I called the Credit Bureau and they said they only added the information back to the report which was requested by Aargon. This is totally unfair and deceptive business practice. I would like to know if there is something I can do to rectify this situation.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CT)

We signed up for mortgage forebearance in XX/XX/2020 due to losing job due to pandemic and we were accepted through cares act us bank home mortgage. I only missed three months and having been pay. The three mortgage payments were put as a lump sum at the end of our mortgage but now they are saying we are three months behind and reported it to my credit
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax - I have sent over 2 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 60 days now and I would like some action taken to get this resolved. I will a FTC complaint if this does not get resolved. I take my credit very seriously and I'm upset these people aint doing job. All I want is for the company to do they job.
Consumer complaint received 2021-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

I had to made a payment to my landlord and present my debit business card. 
My card was decline when it was plenty of money on it. 
I called my bank BBVA IN XXXX XXXX CALIFORNIA AT XXXX XXXX LOCATION. and they couldent help me as they have sayed that a different department look the card because they belive was compromised. 
I have been dealing 2 full days and I am unable to reach them.. they made me wait on the phone for a full hour ... than they disconnect the call. 
I have no money to buy food and my rent is past due. 
I have no more resource how to handle it. 
Please help XXXX XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Dear, I received letter from Jefferson Capital systems , LLC indicating I owed {$530.00} to XXXX, I dont know how I can owe XXXX usually I buy something and I pay XXXX and XXXX pays It to merchants, I called XXXX about It as fraudulent and XXXX couldnt provided me how i owed It and what but they closed the account as fraudulent now Jefferson Capital asking me to pay for something that I didnt purchased, I called XXXX again today I was told we dont own the account so I called Jefferson Capital and I told them that was fraudulent and XXXX closed It as fraudulent
Consumer complaint received 2021-04-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NH)

We continued to communicate with Nissan Motor Acceptance Corp. they gave us the same answer they sent you. However, we never indicated to them that we did not want them to call us. There was no communication in regards to collection and we had made calls during covid to request forbearance. They told us the car would be repossessed or we needed to pay {$28000.00} immediately. I called and asked to speak with a supervisor again and was finally escalated as they discovered they never sent us a Cure Letter. They told us they would rewrite the lease and it could take 30-45 days for us to receive a new account number. We were concerned as to if this could occur again and inquired where to send payments for each month as they took their time re-writing the lease and to assign a new account number. We just received a new account number today. XX/XX/2021 and have discovered they have tacked on misc fees. My mum is XXXX years old, we have called almost every 2 weeks to keep abreast of why it was taking so long. These fees should not be tacked onto to her account. My mother 's credit has been impacted by this error and after several calls to inquire about making payments, at no time did they request any such fees. I would hate to see what would have happened if we just " waited '' as they suggested for us to receive a new account number. This charge off should be removed and we should have received letters as to when they assigned a new account number prior to this to allow us to make the payments that we orchestrated in their absence of documentation. Please do not accept their reply that we requested for them to place a do not call on our account. The woman who called my mother had badgered her right after she shared she had returned home from XXXX XXXX. There was no request to " do not call '' as stated in their letter to you. I turned to social media as no one was assisting us through Nissan Motor Corp and my mum 's car was going to be repossessed - in error! We are now faced with extraordinary fees as we received their new account number just now 4 months later.
Consumer complaint received 2021-04-19
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. (TN)

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable. 

XXXX  refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) XXXX  REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that XXXX  follows suit and honor all documents for accuracy
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Incorrect dates, balance and account settlement information Party Owed : Macys / DSNB I am disputing this derogatory account on my credit report. This debt was forgiven and incorrectly reported. This is my official request to have the aforementioned item to be deleted off my credit report
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

Hey its been a year since I've tried disputing these fraudulent accounts. I have been harass many times for some loans that I am not aware of! I feel threaten for my life! I do not want to be pressure in paying for something that I dont know about. The only response I get that its been verified. I want to know who verified it? I need to see signatures that I borrowed loans from these people. Because I never did business with them. Please remove these loans! By law if there is no proof of verification the items most be remove. Stop harassing me for something I dont owe.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have consistently disputed the inaccuracies in the provided information with TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-03-31
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
14. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 
15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-31
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. (PA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the transunion, XXXX and XXXX  regarding this and i was told to get an FTC report.