davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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. (MD)

Requesting the removal of the inaccurate reporting on all 3 credit bureaus, the last reported payment was ( XX/XX/23 ), but also has no payment history on the account. It also has a 30 day collection remark in XXXX but a good rating remark in XXXX, the remarks are numerically invalid with no accurate record of payments. Making it difficult to obtain housing to avoid homelessness. This messes up two things, first, this error does not indicate when the account was actually charged off. Second, this error manipulates the status of the account itself. They were never given permission to furnish such, first delinquency and this is causing great stress being reported. XXXX XXXX has violated ( 15 USC 1681s-2b ) of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies. They failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too. I am demanding deletion from my consumer report or else. Im going to pursue litigation.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc. (CT)

There is a mortgage with Nationstar/Mr Cooper reporting on my TransUnion report and it's indicating that it's in Bankruptcy and that is not the case there is no Bankruptcy on that account. This is false information
Consumer complaint received 2017-11-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (NC)

I have disputed this before. It was removed from my file and reinserted illegally back in XX/XX/XXXX. I was paying the original creditor and during this process they went out of business and gained new management. I owe this collection agency nothing. I never had a contract through them.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hi, I have a dispute with Capital one CC  company, my account number ending in XXXX, original dispute XX/XX/23, complaint filed with Michigan Attorney General. I did a FULL balance transfer of {$210.00} AWAY from Capital 1, the balance transfer overlapped my due date by a few days and Cap 1 charged my account a let fee plus interest. I refused to pay a late fee plus interest on a balance transfer. I filed a complaint with Capital 1 and they did NOTHING to resolve the issue. This went one for 3 months as I refused to pay it ( which also reflects on my credit ). It was only when I filed a complaint with Michigan Attorney General that Capital 1 took steps to resolve the problem. 
Per Capital 1 's resolution letter to me ( XXXX XXXX ), they " credited '' my account back the {$150.00} ( all of this was late fees and interest after PAYING OFF my balance ) which they should have never charged me in the first place. 

Now, I have to file another complaint to have this removed from my credit report. Plus they never closed my account like I asked them too. 
...... 
Even though the dollar amount has been resolved, I'm writing you because this NEEDS to be reported. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-09-03
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. (NV)

On XX/XX/2019 I sent a validation of debt letter to XXXX XXXX because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.
Consumer complaint received 2022-05-22
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 — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

LexisNexis was sent two disputes well over 30 days ago. They have filed at responding within 30 days, which violates the FCRA. The law requires a reasonable investigation within 30 days - if this is not completed the disputed information has to be deleted. I need a response and a deletion of the incorrect personal information listed in their database.
Consumer complaint received 2019-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I received notice dated XX/XX/19 from CMRE Financial Services , Inc for a debt that I was not aware of from some creditor called -XXXX  XXXX , XXXX , which I do not know anything about for a debt in the amount of {$100.00}. or debt. 

I called the number provided - XXXX and provided them an acct #, from the letter - XXXX The lady that I spoke to did not provide her number and asked me for my birthday and/or the last 4 of my SS #. I told her that I was looking to identify what this debt was for, because it did not look familiar. I also told her that I would not provide any information that was not on the letter. She stated that was fine and she hung up on me. 

How would I think this is a legitamite collection agency and/or debt. 

Please look into and advise me.
Consumer complaint received 2024-03-13
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

On XX/XX/XXXX I called Shellpoint Mortgage/New Rez to ask about assistance with my XXXX payment, the rep on the phone informed me that they could do a repayment plan, however, misrepresented the fact that I would be reported late on my account. I specifically confirmed with them that if I paid by the XXXX, my payment wouldn't be counted as late and the representative confirmed that it would not. However, when my credit was pulled to buy a new home in XXXX, XXXX and XXXX were marked late. I submitted a dispute to the credit bureaus, as well as directly with Shellpoint/New rez and nothing has been resolved. I have called Newrez/Shellpoint since XX/XX/XXXX and I am never able to speak to someone about my issue, they just redirect me to emails or links on their site. I have followed all of their guidance since XX/XX/XXXX to resolve this issue and the only thing I received was a letter on XX/XX/XXXX from them that did not address my issue, which was that their representative misrepresented information that resulted in my account being reported late to the credit bureaus. I have asked them kindly to please remove the two late payments as a cause of their employee, however I have not received any notice that they will. This has placed a huge burden on our current home search, as my XXXX XXXX dropped. I have asked Shellpoint/New Rez to review the call where their representative set up my auto pay and confirmed that it would not be late, however, they have failed to do so. I in fact made the payments on time for XXXX and XXXX, my account was set to autopay and it was confirmed with me that my payments would not be late. Had I known, I would have avoided this situation.
Consumer complaint received 2023-03-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION (MD)

We paid final payoff amount. We have a confirmation number as well. But we want to be sure everything is up to date and completed. We have called multiple time and keep getting hung up on. I have tried multiple numbers and different way to contact and no response. Online it says we are locked out due to failed attempts. But again.cant not get a hold of anyone and keep getting hung up on. If I call from a different number I can get through but sat on phone for over an hour, and no one answers. Its concerning my number cant get through but other numbers ( that are associated with my account can! ) Paid off on XX/XX/23 of {$150.00}. I will also need the title!
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have a standby cash account with Huntington and on XX/XX/XXXX the bank reported to Credit bureaus about 30 day late payment when I was already paying a minimum amount on the account. This happened right when I applied for a loan. Either the bank or the credit Barreau is rushing to report this whenever I apply for finances and then remove it once I file a dispute. recently I spoke to the bank inquiring how the payments can affect my credit and they said they won't report it until its 30 days late so I have enough time to pay off and then yesterday when I tried to make a payment I saw a pop-up saying that I can make those payments in installments so I called the bank to get clarification on how it will affect my credit and they clearly mentioned that it wont be reflecting in my credit as its a hardship program they are offering but I saw that they reported it as late on the XXXX of XXXX right when I was shopping for a loan. It seems like the bank is doing a deceptive practice to ruin my finances. I have a history with them for various issues in the past. They also denied that the bank will offer a Foreign exchange in XX/XX/2022 when I I did exchange through them just in XX/XX/2022 and then I have to argue to let them exchange money and they spent exacly XXXX hour to do it. They tried to send me to another agency which is located far away from my home. They also said I have to visit the bank 5 times in order to exchange XXXX ( which they said is a limit for one transaction ) but end up doing it in one transaction.
Consumer complaint received 2023-03-07
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: AVANTE (TX)

XXXX XXXX XXXX is reporting a balance of {$11000.00} on my credit report. AvanteXXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud
Consumer complaint received 2024-03-13
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. (MN)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Sent collection notice to XXXX XXXX, which in turn put it on my credit report. The amount in dispute is {$190.00}. This is less than {$500.00}. And should not be put on my credit report. I talked to Eastern Account Services and was told by XXXX XXXX that I would have to pay a fee to have it disputed. I contacred XXXX XXXX and they stated they would leave it on until paid, even though it is disputed.
Consumer complaint received 2023-10-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (TX)

XXXX XXXX and XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX we were driving to XXXX  for family trip my husband asked me to search for PNC BANK on our way the XXXX  near was PNC bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We went to the drive thru ATM and he deposit the amount of {$1000.00} but we didn't received any notification on the deposit was in our account. I ran fast to inside of the bank and told them about the deposit and they told me because it was holiday weekend the company who in charge of taking money out the ATM will come between XX/XX/XXXX or XXXX. I did call the bank immediately and report them the situation. They provided me with a provisional credit of {$1000.00}. XX/XX/XXXX PNC took from my account the provisional credit of {$1000.00}. This the case number from PNC XXXX. I want to resolve this situation and end in good term with pnc bank.
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IN)

I contacted the collection agency about a debt due to car insurance where they claim i owe of {$130.00} to them. I sent them a letter by certified mail on XXXX XXXX, XXXX and have not heard back from them regarding of debt.
Consumer complaint received 2023-10-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-22
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: LEXISNEXIS (IN)

15 USC 1681 section 602 A 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 a account without mt written instructions, in addition they also violated 15 USC 1692c ( a ), and 15 USC 1692b ( 5 ). Documents uploaded shows proof. Accordance with the fair credit reporting act XXXX accounts were violated
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.
Consumer complaint received 2023-03-09
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: CARVANT FINANCIAL LLC (FL)

I recently reviewed my consumer report and seen that CARVANT FINANCIAL LLC are reporting inaccurate information on my consumer report. They are communicating with me about an alleged debt for {$15000.00} to my consumer report. This alleged debt is unverified and I am demanding pursuant to 15 usc 1692g ( b ) that you obtain verification from the original creditor of the debt or a copy of a judgment, or the name and address of the original creditor and a copy of such verification or judgment, or name and address of the original. As the consumer and creditor of this transaction 15 usc 1692a ( 3 ) ( 4 ), I am demanding that CARVANT FINANCIAL LLC terminate all collection efforts. CARVANT FINANCIAL LLC is defaming my character and ruining my reputation by misrepresenting that I ( the creditor of this transaction ) owe an alleged debt. Fact, creditor means pursuant to the FAIR DEBT COLLECTION PRACTICES ACT any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. Fact, CARVANT FINANCIAL LLC does not have credit to offer or extend ( 15 usc 1601 The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit ) and has received an assignment from the dealership which means they are a debt collector.
Consumer complaint received 2019-09-03
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. (GA)

I tried to dispute some incorrect information on my Equifax credit report via certified mail with receipt ( signature ), but Equifax did not comply. Instead, Equifax sent me a letter stating that they were unable to locate my credit file even though I provided my name, SSN, address, and account numbers. So, I called Equifax by phone and they successfully verified me through a series of questions and they were also able to locate my credit file. I asked the representative why did they return a letter saying my credit file could not be found.The representative told me that someone in the mail room could not locate my credit file. I was so shocked! I didn't know that the Equifax compliant department operates in the mail room, must be a joke! All the letters will be attached. 

Thank you
Consumer complaint received 2024-03-13
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. (CA)

I reviewed my consumer reports, and noticed that I have some late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account I have included screenshot inside included screenshot inside this complaint on XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payment be updated to be paid as agreed on time as they should be due to the fact I was never late. Thanks in advance for your prompt assistance to correct these errors. Please see the attached screenshot.