davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I noticed that on my credit report there is derogatory information from this collection agency, Ad Astra about me. Their file # XXXX and are trying to collect funds from me. At first, I set up a payment arrangement and started paying. Then it occurred to me that I never had validation from them that I even owed the debt. Therefore, I sent a certified letter directly to them requesting verification and they sent me some forged documents that I will attach here. First of all, I never took out a {$990.00} loan from Speedy Cash which they are claiming without valid proof. I want this collection/charge off deleted from all 3 credit reporting agencies ASAP. Im a mortgage loan officer professional and I need to keep my credit and financial records clean. Also, I did send information to all 3 bureaus to remove/delete but to no avail. I have the written letters that were sent certified too that I will include here. Please resolve this dilemma for me. Much appreciated.
Consumer complaint received 2021-12-30
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: Experian Information Solutions Inc. (CA)

I sent a certified letter to Experian on XXXX XXXX, and it was received by Experian on XXXX XXXX. About 4 different inaccurate invalidated collections that was placed on my report, that I have not gotten a response for. Three of the collection have previously been removed. As of today, XXXX XXXX, Experian is still currently reporting a inaccurate invalidated collection on my report. According to 15 U.S.Code 1692g ( b ) - if you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If Not This Is A Violation! Experian has violated a numerous amount of federal U.S. Codes, such ass 15 U.S.Code 1681b ( e ) ( 6 ) Maximum Complete Accuracy, 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) Failure to Comply, 15 U.S.Code 1681i ( 5 ) inaccurate and unverified, As well as 15 U.S.Code 1692c ( c ) ( 3 ) just to name a few. Let the rerecords reflect, that I mailed Experian my correspondence & they emailed a computer generated information letter. Basically stating they have 30 days to investigate or respond. Which They Have Not Done, So Promptly delete that item from my file.
Consumer complaint received 2021-12-30
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. (MI)

Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2024-04-13
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: Global Lending Services LLC (FL)

letter from Global Lending that I applied for a car loan? I did not .... I called them they said it was me and XXXX XXXX XXXX AND XXXX gave credit information which I have a FRAUD ALERT AND SECURITY FREEZE I ALSO HAVE HAD identity THIEFT someone is trying to get a loan in my name ...... 
This has happened before and I have police reports and car loan inquiries removed from my credit reports plus Police filed reports I am XXXX and have a XXXX for my car which I only lease from XXXX
Consumer complaint received 2021-12-30
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. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2018-02-26
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. (IL)

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.
Consumer complaint received 2021-12-30
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. (MI)

Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I sent my correspondence to Portfolio Recovery Associates, LLC on XX/XX/2021 in regards to the collection account they are reporting to XXXX and XXXX. Pursuant 15 USC 1692e ( 11 ), a debt collector can not omit that they are attempting to collect a debt. In one of the exhibits provided, it clearly states that Portfolio Recovery Associates, LLC is not attempting to collect a debt, which is against Federal Law. The consumer must be informed of the reason for the initial communication and if this was not an attempt to collect a debt, Portfolio Recovery Associates, LLC would not be reporting this as a collection account to the consumer reporting agencies. Portfolio Recovery Associates, LLC has received all documents and supporting evidence of this dispute through U.S. mail on XX/XX/2021.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (TN)

For the record, I am asserting my rights as federally protected consumer. I sent an electronic fund transfer check/remittance transfer via overnight mailing that authorized Synchrony Bank/PayPal Credit to initiate a one-time payment for the amount of {$1800.00} on XX/XX/2021. I enforced the electronic fund transfer pursuant to 12 CFR Part 1005.3 ( b ) ( 2 ) ( i ) ( ii ). 

I spoke with a live agent on XX/XX/2021 and she said that they located the check and that it would be processed within 24-48 hours along with credit to the consumers account.

I spoke with two agents today, XX/XX/2021 and they could not locate the check. Because of this, I have yet to receive my credit to my account.
Consumer complaint received 2022-03-24
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. (TX)

I have subscription accounts with both Transunion and XXXX Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | XXXX XXXX Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still XXXX XXXX One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX Transunion & XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.
Consumer complaint received 2023-01-15
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. (OR)

Previous Complaint CFPB complaint ID XXXX Experian states in response to the complaint above that the account is deleted. They did not follow through and delete it. Damages incurred from this extensive carelessness and lack of performance they are continuing to violate FCRA laws and now I've had to hire a credit reporting firm to continue to address further problems. They've stated they'll delete and continue not to and continuing to damage credit... again.
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

I received an email saying I owe this debt. Never heard of nor had any interactions with this Hospital or this debt collector! Please assist in the removal of this negative and erroneous information from my credit file.
Consumer complaint received 2021-12-30
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. (FL)

I reviewed a copy of my Transunion credit File and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Consumer complaint received 2021-12-30
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: EQUIFAX, INC. (FL)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ).
Consumer complaint received 2021-12-30
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)

NOTICE OF INTENT TO SUE EXPERIAN and XXXX XXXX Chief Executive Officer.This letter serves as a formal notice of my intent to file a lawsuit against EXPERIAN.

YOU Experian have aided this Fraud by not verifying these accounts. XXXX and XXXX Deleted the fraudulent account. Congress states 15 USC {$1600.00} Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. RE : XXXX account # XXXX and XXXX. 
Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report Local Police report CC : XXXX XXXX XXXX in the XXXX XXXX XXXX neighborhood, CA, XXXX XXXX, XXXX.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NY)

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 XXXX5 USC 1681. 
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 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-30
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. (SC)

Reporting information that should not be reported on my credit. 

I do not owe XXXX XXXX  {$1200.00}. I got a letter from them stating my balance is {$0.00} WHY ARE THESE CREDIT REPORTING AGENCIES REPORTING THIS INFORMATION? 

UNDER 15 U.S.C. 1681c ( a ) Information excluded from consumer reports ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status... 

THE NAME HAS NOT BEEN EXCLUDED FROM THESE REPORTS.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have received letters/emails from several companies stating that they have denied my application.

1. XXXX XXXX XXXX XXXX for XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
2XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX # XXXX dated XX/XX/XXXX. Letter and email. 
3. XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/XXXX email. 
4. XXXX dated XX/XX/XXXX email. 
5. XXXX XX/XX/XXXX email. 

I have notified all of these companies as FRAUD. These have all be denied or cancelled. The one for XXXX XXXXXXXX was a Hard inquiry through Experian. They also have been notfied. I have changed most all of my passwords for various accounts.
Consumer complaint received 2023-02-21
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've been trying to reach out to Transunion, they have not given me access to my CONSUMER REPORT and XXXX REPORT. They claimed that they have sent a consumer report but I have not received anything at all.
Consumer complaint received 2021-12-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

To whom it may concern, Thanks in advance for your help with this.

I have a mortgage with SunTrust Bank and have entered the Covid-19 forbearance program in XXXX of XXXX. In XXXX of XXXX I've inquired about the possibilities of exiting forbearance and it was recommended to me to do an application for a loan modification. I received the paperwork for my loan modification midXXXX and e-mailed it back within 2 days of receiving it. A few days later I spoke to a representative that made me aware of a missing document, which I then submitted on XX/XX/XXXX via email. On XX/XX/XXXX a representative confirmed with me via phone call that they've received everything they needed and were processing my application. 

A few weeks later a representative told me that they would extend my forbearance to give the application a little more time to be processed. Since then I've been following up every 2 weeks with them via phone and have been repeatedly told to just wait and that the application is still processing. 

I still haven't received any paperwork outlining my trial payments or any other details regarding my loan modification. My most recent phone call with them was on XX/XX/XXXX and the representative reached out to the processing department via email to try to speed things up. 

Any help with this would be really appreciated and I would be very grateful if this whole process could come to an end at some point soon.
Consumer complaint received 2023-01-15
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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

I had a medical emergency on XX/XX/2018. I have insurance and submitted my insurance card/info. The hospital visit was paid but the doctor which was a contracted doctor through the hospital was never paid. 

A year later I started receiving calls from a debt collector requesting the payment. I called the hospital and the insurance company and explained I have insurance and why this bill went to debt collection. They could not help me as # 1 it is now a year later and they will no longer submit the payment thru insurance and # 2 since it is in debt collection they will not do anything. 

Main issue is that I had insurance and it is not my fault that the doctor payment was never sent through insurance until a year later and now insurance wont take care of it. 

We have been getting the same calls every year since 2018 and no one can help us. The debt collection is attempting to make us pay {$500.00} for the doctor when insurance should be paying.