davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

I refinanced my mortgage in XXXX, with the first payment scheduled to be due XX/XX/XXXX. The originator for the mortgage was XXXX XXXX XXXX. Immediately after closing, XXXX XXXX transferred servicing of my mortgage to The Money Source ( TMS ). Subsequently, on XX/XX/XXXX, TMS again transferred servicing of my mortgage to XXXX XXXX  XXXX d/b/a XXXX XXXX ( XXXX ). Since the transfer was barely two weeks before the payment due date, I was unable to make contact with XXXX and set up payments in time. Therefore, I sent my initial payment to TMS on XX/XX/XXXX via my bank 's bill pay. Today I received a notice from my bank stating that the payment sent to TMS was refused because TMS closed the account. I believe this refusal to post the payment was in error, since I should be allowed to make payments to the original servicer for 60 days following the transfer of the mortgage. 

I have since then made contact with XXXX and was able to set up payments. However, I still have concerns that my initial payment, due on XX/XX/XXXX, might be received late due to an error committed by TMS.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

attachments below They collected my {$600.00} deposit, when they should have just took either {$83.00} or {$160.00} due to late notice of XXXX day move-out notice. 

The monthly rent was for {$2400.00} which is {$80.00} a day and if we gave them a XXXX day late notice, they should had collected {$160.00} at the most and not collected by full deposit. But anyway, I'm not claiming that back, as long as they remove my collection, I'LL be satisfied. 

My other complaints are attached on the document below
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Ive sent XXXX Rounds of disputes to all three reporting agencies. 

First set sent on XX/XX/year>. XXXX sent on XX/XX/year>. 

Both to no avail. Now i am seeking monetary compensation per 15 U.S.C. 1681n Civil Liability For Non Compliance. 

As well as removal of all inaccurate, closed, or charged off accounts. 

There are companies on my report that Ive never done any business with, and thats a violation of my consumer rights also.
Consumer complaint received 2023-02-09
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. (CA)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. 

Here is the remaining account : XXXX XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair/correct the accounts listed below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair/correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (IL)

In XXXX of XXXX I had a late payment on a XXXXXXXX XXXX XXXX XXXX because I was sick with XXXX  I contacted the company because a late payment was put on to my credit report the company said that they would do a Goodwill adjustment and that they would adjust the late payment in their system as well as with the credit bureaus so that it would not hurt my credit since then they sent me a letter saying that they would do so but they did not to this date they have not I have contacted them several times and each time I got the news saying that they had already corrected it in their system and they had already sent the information to the credit bureaus after contacting the credit bureau several time and putting in disputes they kept coming back saying that the company was still reporting the payment as late after contacting the company yet several times again kept getting the same story that it was the credit bureaus that were lying and had not corrected the file as of this morning I find out that XXXXXXXX XXXX did not do what they said they would do in the letter and are not willing to after all this time I have been a customer of their since XXXX and have never missed a payment they had agreed to this and now they're going back on what they agreed to I have a letter stating such and after contacting them yet again this morning I got a very rude supervisor who pretty much yelled at me and raised his voice and told me they had no plans on doing anything and that he spoke for the whole company XXXX XXXX
Consumer complaint received 2023-02-22
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. (MI)

The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX Equifax. The dates the account was opened & closed are different as well Also all different last date of payment
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair/correct the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Ive asked 5 times in writing to remove old personal addresses and another address Ive never lived there at all. 

I want one address listed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Ive never lived at these two places XXXX XXXX XXXX # XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2022-11-01
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 — Investigation took more than 30 days
Company: CLGF Holdco 1, LLC (GA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2023-06-22
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. (TX)

I have never had an account with XXXXXXXX XXXX. I have told them and there collection agency this as well I have asked them to show me where I agreed to them issuing me an account at my request and have shown them that they never had title to my debt. 
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. 

XXXXXXXX XXXX account 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 an 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 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (FL)

several years back we were informed that I XXXX XXXX had a credit card with Barclays at that time I notified Barclays and informed them this was not my account. They had informed me back then that they would close the account and look into it. While we were purchasing our home it came up as a charge off. I notified them again indicating that it is not my card. They were to send me paperwork to fill out and they didn't. to be honest it had totally slipped my mind. Here I am applying for a loan, and it is still on my credit report as a charge off however it is not my credit card.
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I have been advised several times by customer service that my secured Amazon store card should have graduated from secured ( refunding my deposit ) and continuing with as an unsecured line for the same credit limit. I have been given the run around and now this feels to be unfair and extremely deceptive.
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

Service trial started on or about XX/XX/XXXX. I called XXXX and cancelled all services on or about XX/XX/XXXX and sent back internet tower and simm cards on XX/XX/XXXX with their return label from XXXX. THEY SENT XXXX return labels??? XXXX XXXX said everything was fine and there would be no charges. THIS WAS MY CALL TO CANCEL ALL SERVICES. 
The XXXX agent XXXX to cancel the services. I called a total of XXXX  times trying to cancel and they did not cancel the service until XX/XX/XXXX. All equipment was sent back XX/XX/XXXX using their return label and was delivered XX/XX/XXXX to XXXX see tracking record attached. They XXXX, then admitted their error ( recorded call ) but said they could do nothing about it. I have many calls into XXXX  recorded with them admitting the wrong done by them. 
XXXX falsely advertised all of their services for my AREA. They were and are a sub rate service for this area. 
XXXX XXXXXXXX did NOT do their job as they were required and falsely advertised their services. 
I was forced to pay a bill that they failed to cancel when I told them to. XXXX then sent a bill in for collection that had already been paid. 
XXXX  has XXXX my credit ( credit rating over XXXX for XXXX XXXX ) and I do not believe this should go unnoticed. I never became a customer of XXXX, and never will. 
I write this now this way, because XXXX could not get things straight. They were confused, and did not have correct information each time I called in. I have a complete LACK OF TRUST for XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX AND XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : 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. Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Consumer complaint received 2024-01-20
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)

I contacted XXXX XXXX on XX/XX/year> to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and TransUnion. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information .

I have not gotten a response from this company and they continue to report my personal information to third parties.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-21
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)

A collection item was added to my EQUIFAX REPORT. This account is not on XXXX or XXXX. I believe this is fraud. Also, if the other credit bureaus aren't reporting it why is Equifax? This is fraud, inaccurate, incomplete and a violation. This is against the law and violates my rights. I provided another credit report from XXXX pulled the same day the account XXXX XXXX is not on XXXX but is on Equifax, WHY? This is not my account! 
The account appears as : XXXX XXXX  {$80.00} it shows as an open account from original creditor XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-21
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, blockthe noteworthy of any information in my credit record that came about due to an allegedfraud or extortion. XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$210.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX