davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (VA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

XXXX was made through XXXX XXXX Mortgage. The servicing of the new mortgage is now being handled by PHH Mortgage. XXXX XXXX told me this via a letter. I never received a welcome letter or even a bill from PHH Mortgage. I have called them XXXX times. The first payment is due XX/XX/XXXX and I have no welcome letter, no bill, no way to pay because the website doesn't give me a way to pay the bill. Again, the website does not show any bill or a way to pay the bill.
Consumer complaint received 2023-03-25
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. (TN)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (FL)

ABSOLUTE RESOLUTIONS I Contact XXXX XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$21000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2018-11-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In the month of XX/XX/2018, while on a XXXX XXXX flight, an attendant announce to passengers that we could take advantage of getting more miles by applying for a credit card account. When several passengers questions this, the flight attendants told ALL of us that if we didn't want the card, please tell Bank of America when they called. As I return to my origin, I check my credit report and score and noticed boa already pulled my credit report. I did not want a credit card and called BOA and explained this. I shared with them this was a deceptive practices and this is how they got in trouble not to long ago. The personal assured me they would remove this inquiry. It has been over 30 days and it has not been removed.
Consumer complaint received 2018-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/18 I contacted PRA -- Portfolio Recovery associates in XXXX, VA on their XXXX number to arrange payment of three settled credit card accounts my attorney had worked out with their attorney. I made payments for {$350.00}, {$370.00}, and {$600.00} to them by phone. 
The first payment of {$350.00} went through my XXXX XXXX XXXX account and subsequently showed as resolved on my credit profile at XXXX XXXX -- which improved my credit rating. The other two payments were confirmed by mail from PRA 's office in XXXX, CA showed up on my bank account and then disappeared. I have been unable to resolve this mixup ever since -- by email and phone and am repeatedly referred back to my attorney. 
I have emailed my attorney again as of today -- sicne I was told to pay the original amounts instead of the settle amounts. I think this is an ugly way to run a debt collection business. 
The agent son the phone said the payments must have bounced because of insufficient funds. This is XXXX XXXX. I had several hundred thousand dollars in that account at the time. One of 3 debits got processed. The other 2 didn't and they're blaming me for insufficient funds. I attempted to make full timely payments and they are refusing to cooperate in a reasonable manner.
Consumer complaint received 2023-03-25
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

I originally disputed the information in XXXX of 2023. I spoke with the company and they told me that it should not have been reported as late and it would be fixed. XXXX said the company never corrected the information. I called again and requested a transcript of my payments which confirmed that I was never XXXX, XXXX, or XXXX  days late. They again said they would investigate. Nothing happened. I recently had the opportunity to purchase a home for under market value but it needed to be done in a timely manner. When the lender pulled my credit the negative hit from Westlake financial was still there and prevented them from moving forward. They told me to take care of it.
Consumer complaint received 2024-04-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was one of Bank of Americas I unemployment wrong, fully holding funds for three years got me evicted ended up homeless for 14 days until I moved into the house. I am in now that I can barely afford run up credit card debt loans and overdraw my bank account to be able to afford the security deposit for this house also leaving me with a {$20000.00} debt for the eviction that couldve been stopped if they released my funds anytime within the two month period this happened the loss of all of my stuff because of the apartment complex saying they would not give me any of myself until I paid {$1200.00} in the rear rent that it was out having to put other bills in front of the bills, I already had just replaced to live ruined. My credit has me behind on my student loans. My credit cards and loans have went into default and my bank, including my bank accounts and close my account Ive been with these accounts for 10+ years. I sent all the information that was requested by your independent review panel board. Whatever for them to deny my claim after I spoke to them daily making sure everything was OK. They said the only thing I had an issue with was interest and having improving and proving that out which I did off of my credit reports and what letters I could get from the agencies that have the accounts most of them said they wont get involved and so my account is paid in full which I can not afford to do with the house being {$400.00} more a month and when I was used to XXXX proof of the dates of the eviction the new lease for this house, the fact I didnt even have a blanket when I moved in here, thanks to your incompetence of fraud, holding funds telling me I did it when there was no way in XXXX I couldve been in XXXX when this happened and thats where the funds were sent to. I called you to report this and you froze my account and held up my funds when you were called before the transaction was even completed. I told you to start the payment then I did not make the payment and you said I had to let it go through. Then you would try to get it back. You XXXX  up my life I went from buying a house to homeless less than three months you were my soul source of income. I am a XXXX XXXX XXXX I worked in XXXX  they were closed at this time we relied on you and you had showed us nothing but complete disappointment not caring about us what we are going through I had five coworkers in the same boat I was in with you and you guys sleep at night when I was in a hole or under a bridge in XXXX and XXXX you refuse to give me my phones even after unemployment closed the account with you guys and went to a different card. You held my funds for another year and four months sent me a letter saying the damages were done. Heres a check, but refused to actually do anything to fix remedy or make a better or make me hold back to the way it was before the situation or before all this this is your fault nobody elses.
Consumer complaint received 2023-03-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX. Account # 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (TX)

I have made payments and payment arrangement with Sallie Mae. I discussed my loan options with a loan officer. I was approved for a refinance of my loan. I still receive emails and stuff in the mail and phone calls every single day. It's predatory. It's wrong information. They keep threatening my credit and telling me my loan is default. When I call the company I only get " I don't control the automated system sir ''. Well someone needs to control it and stop it I'm getting mail weekly and email every single day. It's ridiculous.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

On a recorded conversation, both on there end and mine, Midland Funding agreed if I paid this debt they would remove from my credit report. This card was obtained fraudulently but I went ahead and paid the account as I am trying to clean up my credit report and was assured they would agree to remove this account. Like I said was a recorded conversation.
Consumer complaint received 2019-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NC)

I recently look at my credit report for all three credit bureaus back in XX/XX/2019 and I noticed one particular debt that was closed and charged off but, in collections for the amount of {$3100.00} with a collection agency by the name of Monterey Collection Service. I had no clue who the original creditor is ( XXXX XXXX XXXX ) nor where this debt even came from. I have never received any letters from the original creditor about this debit nor the collection agency it was obviously sold to. I recently mailed Monterey Collection Service a debt validation letter certified on XX/XX/2019 and they didn't responded back to me until XX/XX/2019. The letter only stated that they had given me 30 days to validate the debt but never provided original documentations from the original creditor what the accurate amount of debt was or any of the documents that I had requested from them by law per the FCRA. I have been disputing this with all three credit bureaus and they keep saying that this company is saying that everything is accurate and the debit is mine. I have not received any proof of documents that this debt belongs to me since I disputed this debt on my credit reports. I have asked that this debt be removed since it could be proven to be my debt and it has not been done by any of the 3 credit bureaus. Also I have notice that since I have been disputing this debt the amount has been increasing and has went from charged off to unpaid but still closed and in collections. This sounds like a complete fraud and I want this invalidated debit removed from all 3 credit reports ( XXXX, XXXX and XXXX ).
Consumer complaint received 2023-03-25
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. (TN)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/2019, I exchanged messages on the purpose of buying 2 concert tickets. After all the negotiations, I sent this person half the money - {$200.00} - using Zelle and asked him to transfer the tickets to my XXXX account but it turned out that this person is a scammer and turned off the phone and stopped responding after receiving half the money. I have contacted both Zelle and my bank ( XXXX ) to see if there is any way to stop the transaction or to revert the transaction but apparently this medium of paying someone does not have any fraud protection so is a perfect medium for fraudster. Let me know how I can help provide more info so that this person stops frauding others and Zelle and others can fix this broken payment system. 

Thanks!
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX  XXXX / {$8600.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Consumer complaint received 2021-11-20
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: EQUIFAX, INC. (NY)

I, XXXX XXXX, consumer, original creditor have been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT AND FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). XXXX has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT. I am entitled to a free weekly report due to the current pandemic. THIS IS MY RIGHT AS A CONSUMER
Consumer complaint received 2023-03-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-25
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. (IN)

On ( XX/XX/2023 ) 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-03-25
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. (MO)

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. 

XXXX : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, CXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.