davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (TX)

Hello, I am complaining about the negligence from TRANSUNION. 

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me. Just so we are clear i am not workin with a third party, I am exercising my rights as consumer for some negative items i dont recall. Your response is ludicrous. I will be in touch with my FDCPA Lawyer since you guys are ignoring my request. Please be on the look out for an complant if i DNT HEAR BACK Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items :
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX report is XXXX pages. My transunion report is XXXX pages and my XXXX report is XXXX pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.
Consumer complaint received 2022-08-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION (CA)

Around XX/XX/2022 my XXXX XXXX XXXX  was sold from XXXX XXXX to SN Servicing Corp. 

I was not pleased as I read review of the company and they habitually got XXXX star reviews from customers. But I set up Recurring online payments as I usually do and hoped for the best. 

I thought nothing of it until XXXX, when I got an email stating that my mortgage due amount had gone up from {$2300.00} to {$2800.00}. Shocked I read that they had been charging me a monthly Forced XXXX XXXX XXXX of nearly {$500.00} a month. Please keep in mind I already had an escrow account with insurance paid through the year. 

I am shocked by this business practice which I believe is illegal. I've never heard of anything similar but want this investigated immediately.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX  AND TRANSUNION KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates , LLC. has an account from XXXX XXXX with a balance of {$910.00} for a VISA card from several years ago. This company, for years, would call me ( my previous number ( XXXX ) XXXX ) 5-7 times per day, literally 7 days per week. From XXXX until XXXX, every 3 hours or so. This account finally went under a judgement, and at that time the calls finally stopped. However, 3-4 months after court date, they started again. For example, today, XX/XX/2022, I have received 4. Over the last several years, I have blocked more than 200 numbers from them, and they just continue to call from another number. I am XXXX with XXXX XXXX, and I can no longer take this. I have contacted an attorney. I am absolutely stressed daily and often turn my phone off so I don't need to see they are calling. I've asked them to stop for years, and they call back 2 hours later!
Consumer complaint received 2022-08-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

MY PROBLEM IS THAT CAPITAL ONE CLOSED MY ACCOUNT WITH FUNDS IN IT APPROXIMATELY WITH A BALANCE OF {$70000.00} THAT WERE DEPOSITED FROM 2 PPP LOANS AND WERE NOT RETURNED TO MYSELF OR THE SENDER INSTEAD THOSE FUNDS WERE KEPT FROM CAPITAL ONE AND STILL DOES FOR OVER A YEAR NOW WITHOUT A RELIABLE EXPLANATION WHERE THE FUNDS GO. THIS IS THE FIFTH COMPLAINT IAM SUBMITTING BECAUSE THE FIRST 3 RESPONSES CAPITAL ONE SENT ME LETTERS SAYING THEY WILL RETURN THE FUNDS TO THE SENDER AND THEY REQUESTED A HOLD HARMLESS AGREEMENT WHICH THEY RECEIVED TWICE BY THE SENDER ( MBE CAPITAL PARTNERS ) BUT THEY STILL HAVENT SEND THE FUNDS BACK. AT THE FOURTH COMPLAINT THEY WOULDNT EVEN RESPOND BECAUSE SUPPOSEDLY I WAS A VICTIM OF FRAUD WHICH IS NOT TRUE AT ALL..
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2022-02-24
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

I got repeated calls from a company that only identified themselves as " XXXX '' wanting to discuss a personal issue with me, but before they would discuss it I would have to provide personal identifying information such as a birth date. I refused on the grounds I do not give out such information to strangers on the phone and hung up. These calls persisted and they would never tell me what it was about. At some point I discovered XXXX was a debt collector and called them. I instructed them that pursuant to the Fair Debt Collection Practices Act, XXXX was to ONLY contact me by mail in writing and not to call under ANY circumstances.. They never contacted me by mail, but continued to call, contrary to my recorded instructions. On XX/XX/XXXX I again called XXXX and repeated my instructions, pursuant to the Fair Debt Collection Practices Act, to contact me by mail. I did not receive any mailings, so I called XXXX today, XX/XX/XXXX, and asked if they had mailed me anything. The answer was NO, even tho they had promised to do so on XX/XX/XXXX. 

XXXX is violating the Fair Debt Collection Practices Act by repeatedly calling me after being instructed not to do so.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2022-02-24
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. (NY)

I need to report the accounts below for violating the Fair Credit Reporting Act. Theyre claiming I have late payments but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAPRemove the accounts immediately. Thanks. 

XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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. (WI)

XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX is still showing on Experian with late payments. I have opened disputes with documents showing that the last payment made on this account was XXXX of XXXX. When disputed, XXXX XXXX XXXX changed the date to XX/XX/XXXX so it has not been removed by the federally mandated removal of late payments after seven years. You can even see in the reporting the last payment was in XXXX. XXXX XXXX XXXX is playing illegal games by changing the information as Delinquency First Reported to XX/XX/XXXX. Remove this account immediately as it is in violation of the FCRA. It fell off my XXXX and XXXX last year at the right time.
Consumer complaint received 2022-08-30
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. (NJ)

ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX, Equifax, and XXXX are reporting information that certification has not been given with my consent to report an accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. 
ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, the such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. 
ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2022-08-30
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX  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 2023-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been receiving wage garnishments for a debt that I have no knowledge of dated back on XX/XX/2000. The courts have ruled that this be disposed of, and the company Midland Credit Management ( MCM ) is constantly resubmitting the file to my employers without notifying me of anything prior to taking my funds. This is causing me a major hardship as I have had this disposed because I am a victim of identity theft which I have explicitly stated. The current judgement balance is {$6400.00}. This total includes interest and cost fees as stated in the letter. An identity theft affidavit has already been established with the IRS due to someone filing taxes in my name previously and it has been resolved.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

Experian uses my information to solicit loans and credit cards lying about approval odds lead to hard inquiry lasting on the credit report for 3 years not including initial year of inquiry
Consumer complaint received 2022-02-24
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. (NY)

I have a loan with XXXX XXXX. I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXX XXXX  XXXX
Consumer complaint received 2017-08-31
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. (FL)

I have requested XXXX, on numerous occasions, to update and correct my credit report. XXXX has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX ( # XXXX ) that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX, 2017. He can be reached at XXXX.
Consumer complaint received 2015-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

We have a mortgage with Wells Fargo and we agreed to pay taxes and insurance ourselves. In XX/XX/XXXX we noticed a deduction for an escrow account? We spoke with the bank several times by phone and once in person and they say we had a gap in insurance. 
Not so. Our insurance agent sent the bank a letter with copies of all of our policies shown no gap in coverage. That was on XX/XX/XXXX. So far, more charges and no response to her letter. We are at our wits end. Can you help?
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am in the process to obtain a loan modification and also I applied for assistance with " Keep Your Home California '' and my lender ( bank of america XXXX gave a wrong information to Keep Your Home California and now keep this institution cancel my file. I am really disappointed that bank of america gave the wrong information when I am still in the process to get approve for my loan modification. I might qualify for " keep your home California ''
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Merchants Adjustment Service, Inc. (MI)

They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (LA)

I was a victim of identity theft. Experian has removed this fraudulent account in the past from XXXX XXXX XXXX. I have sent over my FTC REPORT AND MY POLICE REPORT. I WOULD LIKE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT FILE
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (OH)

We are receiving repeated robocalls from someone claiming to be Harris & Harris.. 

The recording states that they are Debt. Collectors and instructs to call their number XXXX.. 

The recording provides no information as to the reason for the call, or the nature of any possible debt.. We have been receiving these for approximately six months.. 

After attempting to report this action on the FCC 's Don Not Call Complaint site, and was informed that Debt. Collectors are not bound by the Do Not Call Rule, I posted here..
Consumer complaint received 2018-07-13
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. (IL)

I have tried for several years to remove information on my credit report due to me being a victim of ID theft. I filed police reports, FTC reports and affidavits and submitted this information to the credit reporting agencies, however they refuse to remove the information listed on my declaration.
Consumer complaint received 2022-02-24
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. (AZ)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!