davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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. (GA)

TransUnion, XXXX, XXXX is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

-XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -XXXX XXXXe XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX
Consumer complaint received 2020-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

My husband & I have been having ongoing issues with Specialized Loan Servicing,  all summer long we were in contact with the attorney generals office, consumer complaints, finally they agreed to a loan modification which lowered our monthly payment, we make payments on time, money has come out of our account every month. As of two weeks ago we received a statement saying we were in default, we have emails, bank statements, canceled checks to prove our payments have come out our account, since this statement two weeks ago we have not been able to communicate with anyone from this company, I recorded the calls & everytime we have called we are told to call back in 30 minutes as the office is currently closed for a company meeting. We have never recieved a foreclosure, they are claiming we are a year behind on payments, nothing makes sense @ all, our monthly payment comes out of our checking account. Our money is going somewhere & apparently not on our mortgage. We are trying to refinance to get away from this company, we dont wan na lose our home, & it is also ruining our credit. We have spoken to a loan officeXXXX that is more than willing to help us resolve this issue, & your company Conumer financial protection was highly recomended, If we can get SLS to take the credit marks off our credit report we can move on & resolve this long goin issue. PLease Please Please help us resolve this matter & help us keep our home.
Consumer complaint received 2023-02-11
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : DP OF EDUC XXXX Balance : {$1300.00} DP OF EDUC XXXX Balance : {$2400.00} DP OF EDUC XXXX Balance : {$1800.00} DP OF EDUC XXXX Balance : {$2400.00} DP OF EDUC XXXX Balance : {$790.00} DP OF EDUC XXXX Balance : {$3200.00} DP OF EDUC XXXX Balance : {$4100.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} DP OF EDUC XXXX Balance : {$1400.00} DP OF EDUC XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$840.00}
Consumer complaint received 2023-02-11
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. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-02-11
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)

Frankly the credit reporting is a total farce. They never resolve and always take the lenses position. Humiliating and attempts leave nothing but legal action. Here is there last report. They refuse to accept my input stating it's resolved! IT IS NOT AND NEVER IS!!!!!
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-02-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services (CA)

I called Mercedes XXXX XXXX explain to them that want to do a buy back and the remaining I would work sometime if payment arrangements they said they can not do that I would have to come out pocket. I just bought the vehicle on XX/XX/XXXX but I did not feel comfortable with there cars after seeing that they had a recall two of the Mercedes Benz caught on fire where I live. They were parked and started on fire. So I did not feel safe. I did an early lease return on XX/XX/XXXX. I have never been late with Mercedes Financial since I been with them they report me the the credit bureau that Im 30 days pass due that information is not correct. They been calling telling asking for money when I explain to them the lease car was returned with a XXXX balance.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (OH)

I deposited two checks using TD Banks mobile app on Monday, XXXX XX/XX/2024. The checks totaled {$1600.00}. Typically, funds are available within 2 days when I've made similar deposits in the past. However on Wednesday XXXX XXXX, when checking my account, I noticed there was a flag : deposit hold six bus days. I verified with the bank from which the checks were written that they had cleared electronically on Monday XX/XX/XXXX when I first deposited them. On Thursday XXXX XXXX, I contacted TD Bank customer service. I spoke with two different customer service reps and was given multiple reasons and excuses about why the hold had been placed : because it was a mobile deposit ; because it was a high amount ; because a deposit from a month earlier had been returned ; because the bank wanted to protect itself and me against fraud ; that the bank had a right at any time to place a hold. I pointed out to both reps that the checks had cleared electronically on XXXX XXXX. I was transferred several times, eventually to a supervisor who told me she would request the hold be removed. As of Tuesday XXXX XXXX, the funds have not been released. Moreover, TD refused to send me by mail an updated set of terms and conditions related to funds availability, which I requested by that point. I have uploaded a screen grab of the deposits in question as of XXXXXXXX XXXX. on Tuesday XXXX XXXX.
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

There is a collection agency mark on my credit for an unpaid medical copayment. The medical payment should have been sent to my health  insurance and billed to me or notified me or collected payment at time of services rendered for copay as shown on my insurance card. My health insurance is XXXX XXXX XXXX XXXX ID : XXXX. 

This is in relation to an emergency room visit that took place in XXXX. 

For clarification, this company did not contact me - I noticed it on my credit report while checking it.
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I XXXX XXXX date on XX/XX/22 am demanding Wakefield and Associates to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (FL)

I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA 's. On XX/XX/2019, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-02-11
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. (AL)

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, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-11
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. (AL)

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 XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX A, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

in accordance with the fair credit reporting act, Equifax has violated my rights. 

Equifax is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report.

Direct violation of 15 USC 1681B- permissible purposes, as I did not give Equifax any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (CA)

I received a suspicious letter from Mandarich Law Group, LLC back in early XXXX. Stating that they are attorneys and taking me to court over debt/collections they are claiming I owe. I never heard of these people, never done business or entered in any contract with them. I have no clue who they are and why they are contacting me. 
I did not respond scared that it may be fake or a scheme. 
I had been a victim of Identity thief in XXXX and was not taking any chances. 
A couple of months later I was served though U.S. mail service with a huge intimating legal packet stating that we have a court date set for a date almost a year away. 
To say the least I was very scared and stressed out over it. 
They claimed This is a communication form a debt collector. And this is an attempt to collect a debt, and any information will be used for that purpose. 
See Reverse side for important information ( reverse was blank ) Then it goes on to say " Mandarich Law Group , LLP 's California Debt Collection License application is currently PENDING?? 
Im not a lawyer but I'm pretty sure they are engaging in illegal Debt Collection practices without a license to do so in the state of Californian under the : FINANCIAL CODE - FIN DIVISION 25. Debt Collection Licensing Act [ 100000 - 100025 ] ( Division 25 added by Stats. 2020, Ch. 163, Sec. 3 ) CHAPTER 1. General Provisions [ 100000 - 100002 ] ( Chapter 1 added by Stats. 2020, Ch. 163, Sec. 3. ) Using their title as Layers to intimidate by using abusive and threatening, language an tactics to collect monies from ordinary consumers whom theyve had no business with. They just came out of nowhere. I just obtained my credit report, and they are not even listed. 
This cant be right? Even if their collections lic was pending and they fall under any exception ruled in on XX/XX/XXXX, they were already practicing without a license in XXXX when they initially contacted me. 
Please help. 
Thank you
Consumer complaint received 2023-02-11
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. (IA)

XXXX XXXX # XXXX Dear Credit Bureaus, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of discrepancy in my credit report that requires your urgent attention. 

I have recently reviewed my credit report and I have discovered several errors that are affecting my credit score. The discrepancies include outdated and inaccurate information about my payment history, incorrect account balances, and duplicates of certain accounts. 

These errors have caused a significant decrease in my credit score and have made it difficult for me to obtain credit when I need it. I understand the importance of maintaining an accurate credit report and I request that you take immediate steps to correct these errors. 

I have attached a copy of my credit report, highlighting the discrepancies that require your attention. I have also included documentation supporting the correction of these errors. 

I request that you take necessary steps to delete the incorrect information as soon as possible. I would appreciate a prompt response to this letter and I look forward to hearing back from you soon. 

Thank you for your attention to this matter. I am confident that with your cooperation, we can resolve this issue quickly and efficiently. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (SC)

On XX/XX/2022 XXXX XXXX suggested I applied for a XXXX XXXX Credit Card, through XXXX XXXX, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with Equifax by XXXX points. I tried to locate a number for XXXX XXXX to speak with a personal customer service about my concerns. But could not locate a contact number on XXXX XXXX 's website, nor any assistance with this type of complaint. I've spent hours today XX/XX/2022 talking with Equifax and XXXX XXXX representatives for an explanation to why my credit score dropped so significantly. Hours on the phone with both agencies have not given me an explanation to why my credit score dropped XXXX points.
Consumer complaint received 2022-09-04
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. (PA)

TransUnion did not investigate inaccurate account. 
Under the FCRA TransUnion must do a full investigation and remove unverified accounts. 

Unverified account : US DEPARTMENT OF EDUCATION
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I recently attempted to contact credit card companies that I owed when my mom went through XXXX. I contacted XXXX and asked for a bill amount I was notified the debt was sold no amount was discussed. I then proceeded to call back to ga to see if any mail went to my old address and to my surprise the third party company has been having lawyers send mail to obtain them because Im being sued by XXXX when I know thats a lie because I have documents to say they sold the debt
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian is reporting two charged-off account ( s ) within my credit report -XXXX XXXX XXXX XXXX XXXX XXXX I have received two separate 1099c in regards to both debts in which it is now security fraud for XXXX and XXXX XXXX XXXX XXXX to act on these two account ( s ). 

Experian is not following 15 USC 1681eb which is not ensuring the accuracy of the consumer report. 

I am requesting compensation in the amount of {$5000.00} per violation and the account ( s ) to be Blocked and Removed.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.