davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
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. (MD)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 2019-06-25
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: First Data Corporation (WI)

While working for XXXX, I received a Debit Exceed card in which my payroll was put on to. I am no longer employed for XXXX. I was able to use my card until the end of XX/XX/XXXX. As soon as I noticed I was not able to retrieve my funds on the card, I contacted the company. XX/XX/19 called and was told my card was on hold and that I would need to submit a copy of my card, drivers license and a piece of mail with my address. I called back XX/XX/19 and was told it would be another 3-5 business days until I was able to access my funds. I tried several times to use my card to no success. On XX/XX/19 I called again and was again told my card was on hold. I then asked what was needed to do so that I was able to close the account and get my funds on my card. I was then told I needed to submit a copy of my drivers license again, a statement and a letter regarding why I wanted to close the account and my signature. I then called again 3-5 business days later several times only to be told my account was still on hold. Each month they have been deducting fees from my account and still unable to use my card or get my money. I was a XXXX XXXX XXXX   and unable to contact them between XXXX   and XXXX XXXX. I was finally able to contact them again XX/XX/19 in which I again submitted now 3 forms of identification. XX/XX/19 was the last time I contacted them and the account was still on hold, but could not do anything because it was not during the 8-5 monday-friday business hours. But indicated they would now want me to submit my social security card. I refuse to submit anymore items as this sounds like fraud to me. I received a W2 in which I filed taxes on money I still am not able to access. As of today XX/XX/19 the account is still on hold. All I want to do is get my money and close the account before they consume it in fees and begin to ruin my credit.
Consumer complaint received 2019-06-25
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. (AZ)

Started calling Experian at XXXX XXXX Pacific Time for help with temporary lift of Freeze on Credit Report. Last call was at XXXX Pacific Time. 
Called XXXX, XXXX, XXXX with NO luck getting thru since they offer NO agent help, and I just sold my home of 16 yrs in XXXX, moved to XXXX & bought new home, living in rental during Contractor renovations on new home, and my profile responses no longer fit there records due to moving, so they keep instructing me to write to XXXX Texas to life a Temporary Freeze.

They changed their system & no longer accept the original passwords and PIN I had.

Experian should not be handling Credit w/o live agent help! 
I need to lift my freeze to apply for cable services in XXXX. 

Contrast with XXXX who offered live agent help to lift freeze today.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

Convergent outsourcing has failed several times to validate my debt. They illegally report to a credit bureau without any proof. I have sent multiple validation letters and received nothing back. I have proof of every letter sent with nothing being returned. When I file a complaint they say the debt was with another company that they are representing. I have not seen any proof. Show me a legal validated response. Show me my signature saying I owe. Show me how I came to the number I originally owed. Show me a contract I signed. You can sit here and give your false statements all you want but you have no proof. I want to see proof. FCRA has laws in which you need to abide. Show me a contact with my signature on it and if you cant then it needs to be deleted.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I am in receipt of Common Wealth Financial 's letter informing me that they are handling the collection of the account # XXXX for {$2000.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Common Wealth Financial & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Common Wealth Financial claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Common Wealth Financial continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in Common Wealth Financial letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. Common Wealth Financial has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2021-10-18
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. (GA)

I was a victim of identity theft for over 3 years now, while I was receiving XXXX because of the aggressive XXXX. My creditors did not protect at all while I was battling for my life and this is wrong on so many levels. This is my last and final time reaching out to the creditors and credit reporting agencies. The next step would be contacting an attorney and suing each creditor one by one plus the stress it has caused and court cost. This has been a nightmare, I had to change my drivers license number and contact SSA. This guy even pulled money from my 401K account. I also attached a copy of the police report. The following accounts need to removed immediately XXXX XXXX XXXX XXXX -- never opened an account with this company and would like for this company to send me signed contract with my signature. This is a fraudulent account I want removed immediately. 

The XXXX  XXXX XXXX  -- -- This account was opened and used without my consent, please remove XXXX XXXX XXXX  -- -This account was opened and used without my consent please remove XXXX Department Store -- -Account used without my permission and fraudulent charges by roommate please remove immediately XXXX/XXXX  -- -This account was used and charges were made without my permission please remove from credit file XXXX/XXXX  plcc -- This account was used and charges were made without my permission and consent please remove from credit file XXXX XXXX -- -- This account was used , services were added and I did not consent to this account please remove. 

XXXX XXXX -- -XXXX is aware of this account also, XXXX closed my account because of suspicious activity I remember them reaching out to me prior to XXXX and XXXX  XXXX along with XXXX I never heard back from them. Please remove account XXXX -- -Charges made and card used without my consent, please remove
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA.
Consumer complaint received 2022-07-11
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX have 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
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

Through an LLC, I purchased an apartment building on XX/XX/XXXX and assumed the loan. The loan servicing was transferred a few times over the years, and we made timely payments. In XXXX, XXXX the loan and servicing were transferred. The loan was apparently transferred from XXXXXXXX XXXX XXXX XXXX XXXX and the servicing was transferred to Select Portfolio Servicing. I received a goodbye letter from XXXX XXXX ( former servicer ) indicating that Select Portfolio Servicing ( SPS ). The contact information on the goodbye letter was incorrect ( email address was rejected and the phone number was not valid ). I contacted SPS via their main number to confirm the transfer, however they did not recognize any of my information. Over the course of several hours of phone calls and emails, I determined that they had the original borrower 's information, but not mine. I supplied them with several documents to evidence my ownership and assumption of the loan ( including deed, purchase agreement, goodbye letter, last loan statement from prior servicer, tax and insurance invoices ). They promised on several occasions to get it fixed, but never once followed up. I have emails requesting answers, but no response. I have been calling in mortgage payments to keep the loan current, but have no evidence of where my loan stands. I have spent at least 10 hours on the phone, but I'm getting nowhere. Please help.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I was recently made aware by a business I was attempting to open an account with that equifax has a fraud alert placed on my credit report. I have never requested from equifax. I have contacted them several times in an attempt to remove any all alerts that they have placed on my report. As of the writing of this complaint, they have yet to take any action to remove these fraud alert and freezes from my report. This has been a problem with this agency only for over 2 years.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX : I received three phone calls from family members and old boyfriend stating that a company was calling to deliver a message to XXXX XXXX ( my maiden name ). After the last call I then received a call from XXXX XXXX stating they were calling me to give me a phone phone number I needed to call immediately XXXX. I called the number and was informed that I was going to be served and sued for a XXXX debt of XXXX  dollars. I explained that this debt was one I was unfamiliar with and was XXXX XXXX XXXX. I explained that I was currently under bankruptcy and said debt was never sent to my home or via email. She told me there was nothing else I could do.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP, LLC (WV)

ADP XXXX CARD On XX/XX/2019 I noticed ( 2 ) two charges that were pending on my account. Both were {$200.00}. A total of {$400.00} was charged without my card and without my permission. I contacted the card service and made them aware of the charges while they were pending. I was told these charges needed to clear before any action could be taken. I phoned back after the two charges cleared and was again told I had to wait 10 days before filing a complaint. I waited the 10 days and filed the complaint. 
Still nothing has happened and the charges still stand. The card was stolen, used for {$400.00} without my permission.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (HI)

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGED CH - XXXX
Consumer complaint received 2019-06-25
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. (HI)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Please remove the accounts from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : 12 XXXX XXXX XXXX  XXXX ),
Consumer complaint received 2024-03-04
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. (OH)

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 1681XXXX 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. 15 U.S.C 1681 section 602 A. Stated 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 2022-12-14
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2021-12-10
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: SUNRISE CREDIT SERVICES, INC (NY)

I have an unauthorised hard credit pull on my XXXX credit report by : Sunrise Credit res. Mortgage XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Which occurred XX/XX/2020 ; I have absolutely no inquiries or anything impacting my credit initiated during that time, and hard inquiry occurred without my permission or knowledge at all. They refused to give me a reason to why this had occurred and dismissed me rudely and aggressively over the phone without a chance to understand the situation.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (NV)

I received a copy of my credit report and I noticed four fraudulent hard inquiries. I contact Experian to let them know about this fraudulent activity and I also log in to my Experian account online to lock my credit report to prevent this from happening again in the future. Please remove these four fraudulent hard inquiries from my credit report XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2022-12-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2019-06-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP (GA)

I applied for a construction loan to build a house. Ameris bank pulled my credit history 3 times during this process. One time same company name 3 different addresses. From XXXX last year XXXX to XX/XX/XXXX. The credit score was XXXX and now is XXXX. During this process I was sent emails by Ameris bank on several occassions after XXXX XXXX if I did not esign the documents by the end of the business day, we would not be able to close. Also, Ameris bank used " their '' appraisal agent which reported less than half the current value of the state taxing agent. The cause an increase in the amount to be borrowed.