davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX  Account Name/Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions to do so.
Consumer complaint received 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Documents sent certified mail to TransUnion LLC on XX/XX/2021, with no response for more than 60 days. Filed CFPB complaint XX/XX/2021, TransUnion mailed document with deletion of account on XX/XX/2021 & mailed another document on XX/XX/2021 reinserting document. TransUnion is in violation of several laws. See attached.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Yes spoke to them about the mortgage being incorrect that will information derogatory information as well as a couple of other delinquent accounts which don't belong to me I am indigent so I don't check on the regular basis but when I do I've reported it I've been indigent for 15 years now and this is unfair, upon investigation for the last 15 years of incorrect information and she may be 20 years I will be doing a class civil class action suit but I need you guys to repair this and take it off I work too hard I'm a good person I don't deserve this stuff for my credit report that doesn't belong to me I need action,
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (TN)

Have been clearing out my Credit Bureau report with XXXX, Equifax and XXXX. XXXX  has updated the paid balances, but Equifax and XXXX  have not updated. The Creditors continue to try to collect the paid balances.
Consumer complaint received 2021-08-02
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: I.C. System, Inc. (MD)

Shortly after my XXXX were born in XX/XX/2018, I took them to XXXX XXXX for a pediatrician appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to IC Systems, who reported 2 claims for {$450.00} to XXXX ( there was only ever 1 claim ). I disputed these claims with XXXX and they were removed. Once removed from XXXX, IC Systems then reported 2 claims for {$450.00} ( again only ever 1 claim ) to XXXX. I disputed the claims with XXXX XXXX has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (TX)

According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, XXXX, and Equifax did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.
Consumer complaint received 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the CARES Act a furnisher of data to the consumer reporting agencies allows it customers to defer payments, make partial payments, modify credit terms or make other arrangements for its customers affected by COVID 19 should not report any account as delinquent, but should continue reporting accounts as current. These requirements are retroactive to XX/XX/2020. 
XXXX, Transunion, and XXXX  did not remove my late payments on XXXX and XXXX of XXXX  with my XXXX  XXXX account. I sent letters to these three bureaus almost 2 moths ago. My letters are attached.
Consumer complaint received 2021-08-02
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MS)

XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

credit score is not pulling up also, inquiries does not belong to me XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals XX/XX/2021 contacted each reporting agency but no luck with the removals
Consumer complaint received 2021-08-02
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. (GA)

XX/XX/XXXX, I called transunion to dispute charge off that is over 7 years old and should be removed, they are telling me they checked with XXXX  and they reported this XX/XX/XXXX, XXXX has no record of this and this is charge off from over 7 years ago, i told them again this is charge off and over 7 years ago and should be charged off and XXXX has no record of them checking and XXXX  does not have my records since it has been over 7 years ago, i have open dispute with transunion on this item, they still need to remove both items in dispute, over 7 years old
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (NY)

Ordered a free report on XX/XX/XXXX, it's now been over a month, I called and they claimed it was on its way but it had been well over 15 days and no repirt
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

After an exhaustive search for my missing second stimulus check from XXXX to late XXXX, XXXX, I was informed by the IRS that the check has been deposited into our checking account with my social security number in XXXX XXXX  in XXXX Ohio. Over the next couple weeks I was not able to successfully make contact with or get a response from XXXX  until I made a complaint with the XXXX XXXX XXXX of Ohio. It was in then they we were informed that it had been transferred to a US bank account in my name per instructions from the IRS. The IRS indicated their records showed that the check was still in XXXX  checking account. Keep in mind, from XXXX to mid XXXX there have been several contacts with US Bank each time we were informed that they have not received the check because the account has been closed and would have had to send it back to the IRS in a timely manner. Important, because it will still take another 6 to 9 weeks for the IRS to mail it to me. So then a call was made to US Bank ( mid XXXX  ) AFTER XXXX  statement, we was then told they did receive it and deposited into my closed business account. The account had been closed since XX/XX/XXXX due to fraud by my ex spouse Im a single parent and small business owner requesting the return of my monies asspnn
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I was surprised that this account XXXX XXXX XXXX  which is closed/paid is reporting negatively on my report. This account was paid and I was never late. I sent a letter to all credit bureaus but I never received a response from them. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be 100 % accurate. My attachments will show major inconsistencies in the reporting between the three major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC (CA)

I opened a zelle account with my phone number several years ago and used it for a while with no problem. Then my co worker sent me {$150.00} for a part we split the cost of. I went to log in and was told my account was blocked due to suspicious activity. I called zelle and sat on hold for several hours. I finally spoke to someone who acted like this happens all the time. I answered all the questions and my account was supposedly ready to use. I checked and no same thing. I've tried with them 2 more times and no avail. So i decided to not use them and count the {$150.00} as a loss. Now several years later I still have the same phone number and email and my account is still blocked. I need it to get paid through work. I am very nervous though that zelle is going to steal more money from me than they already have.
Consumer complaint received 2021-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the CB 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX XXXX IS NOT the US Bankruptcy Court.

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, XXXX XXXX
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (PA)

I am enrolled in auto pay with this company, due to system issues they have failed to draft my account on the payment date. I called the company and they confirmed and reassured me no payment was due. Today XX/XX/XXXX I noticed that auto pay did not draft again and gave them a call. They are telling me I am behind 16 days because of an issue on their end. They did not disclosed any issues to me! I live paycheck to paycheck and now I am behind on my payment and can not pay it! This is the XXXX time this happens since the loan was sold to this company without my knowledge in XXXX! I do not want them adding payments to the back of my loan that matures in XX/XX/XXXX I want the tittle to my car and this loan account CLOSED! I do not want to deal with this disgrace of a company. I never had any issues prior to American Acceptance managing my loan!
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my Navy Federal Credit Union Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( XXXX, XXXX  and XXXX  ). They all reported delinquency in the payment of my Navy Federal Credit Union Mortgage. in XXXX I contacted Navy Federal Credit Union concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within Navy federal Credit Unions credit reporting department. I have been contacting Navy Federal Credit Union on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to Navy Federal Credit Union 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments.
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (GA)

I sent a debt validation letter to the debt collector : SCA Collections, INC asking them to validate a collection account with Creditor : Professional Pathology Services. SCA Collections, INC was unable to validate. SCA Collections, INC is reporting on my XXXX  report on a claim that they can not prove in the amount of ; {$500.00}. I would like this investigated and removed from my report.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (ME)

I believe this is a robocall, but it is a harassing call claiming that they are debt collectors from some Progressive Management Systems Debt Collection. 

The number they provide to be removed XXXX sounds bogus, and a XXXX search shows many others complaining that even calling this or the other number back actually damages and ruins your credit. 

The other number is XXXX.
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. (CT)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (TX)

Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My mortgage servicer is New Rez. They are stating that they never received my payments for XXXX and XX/XX/2021. I contacted my bank ( they were sent through my bank 's bill pay ). They provided confirmation of payments. I have verbally told New Rez this, sent them these statements via snail mail ( with confirmation of delivery from XXXX ), faxed, and emailed them the proof of payments. However, it is now XXXX, and they are not recognizing the payments. Can you please help me? Thank you!
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

Mountain Land Collections is reporting accounts on my credit file that I need removed. I have sent them several letters and have not received a single correspondence. This debt has not been validated to me and per all the letters sent, if this is not validated, it needs to be removed.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc. (CA)

Received a letter dated XX/XX/2021 from Collection Agency XXXX Diaz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX Legal Administrator I had no knowledge of this debt nor was any information provide to me to indicated that I owed a debt of {$2800.00} with a opportunity to pay this off with a stated amount of {$1000.00}. 

When I reached out to find this status I was advised that his a 20 year old debt, and there is no information to provide. However they where going to report it to the credit agency. 

I will tolerate being take advantage of by this collection agency, to extort money from me. Even if it is mine the statue to collect has well run out. 

I pride myself in trying to keep my credit safe and protected. 

Help