davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX CO XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter to convergent asking for : XXXX. Validation of the debt-that is, the actual accounting. 

However, according to 15 usc 1692e, is usc 1692d, and 15 usc 1692B. 
Not use any language or symbol or any envelope or in the contents of any communication effected. By the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2021-09-24
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: CITIBANK, N.A. (PA)

need inquired removed from : MACYSXXXX Inquired on XX/XX/XXXX MACYS/XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

the account is : MIDLAND CREDIT MANAGEMEN the original creditor XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (GA)

XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX executive saying that they account is paid in full and that they are refusing to send me my 1099 oid 1099a and 1099c tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the 1099s i request. So can i get treated equally with full faith and credit.
Consumer complaint received 2021-09-24
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

need inquired removed from : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (DE)

We are being denied Housing due to XXXX XXXX ( a third party servicer ) that no longer was a Servicer for my old Mortgage with NationStar LLC. My old Mortgage of $ XXXX was sold to XXXX XXXX who had XXXX XXXX be there Third party Servicer in XX/XX/XXXX. On the XXXX report that These Property management companies and Mortgage loan places are Recieving is that there were two combined mortgages at a Grossly Incorrect balance of {$420000.00}. ( XXXX  XXXX XXXX ( In XXXX this mortgage was sold to NationStar at {$210000.00} & Seterus, a third party servicer at {$210000.00} at a total of {$420000.00} ) is showing up on my XXXX Report. Please get removed Immediately. We are being Denied Housing due to this. Thank you. Best regards, XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IL)

On XX/XX/XXXX I refinanced two of my five loans with XXXX XXXX through XXXX. Due to having made on time payments to these XXXX XXXX loans while throughout the refinancing process, the amount due was less than the amount borrowed through XXXX, resulting in overpayment of the two XXXX XXXX loans ( {$260.00} & {$380.00} ) at the time of refinancing. This resulted in a credit to the XXXX XXXX loans, leaving me in positive balance. On XX/XX/XXXX I called XXXX XXXX to request the positive balances of these two loans be applied to a loan still in negative balance. The customer service representative I spoke to replied that they could accomplish this, and I ended the call thinking that it would be handled. 

7 days later, the request still had not been completed. The positive balance had disappeared from the two loans and had not been credited to the existing loan. The transaction record for my loans showed a Credit Balance Refund for the {$260.00} & {$380.00}, but the money has not been refunded to my bank account, nor credited to any of my existing loans. Once more I called to request the credit be applied. The customer service representative stated flippantly that this was " their busy period '' and " the back office '' would need to handle this request. She stated that she would put in another request. Neither of these things were mentioned in my first call. It has now been one month since my loans were in positive balance and 16 days since I called to get the balance redistributed with no result other than the disappearance of my credits. 

As a customer of XXXX XXXX, I would prefer my requests be handled in a timely and polite manner. Neither of these elements has ever been a part of my dealings with this company. I am extremely dissatisfied with their service and actions as a company.
Consumer complaint received 2022-11-30
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. (SC)

15 US 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (MS)

On XX/XX/2021, I received a letter from MBA LAW stating that I owe {$6700.00}. The letter says that no attorney has personally reviewed the alleged account, and that the debt was bought from the original creditor. I have no knowledge of the debt. The same account was added to my credit report 5 different times all three bureaus, dropping my score over 80 points.
Consumer complaint received 2022-01-17
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

XXXX XXXX is attempting to collect a debt on behalf of XXXX  XXXX  in the amount of {$8100.00}. This has been reported on my Credit Report. 

There was a class action settlement case # XXXX, US District Court of Texas XXXX against XXXX XXXX in which I was partied to, in which XXXX  XXXX  has agreed to debt relief of the debt owed to invitation homes. Therefore the information being reported in accurate and needs removed.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on Equifax 6. Credit Limit is {$0.00} on Equifax 7. Date of Last Payment is incorrect on Equifax 8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 (  a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, XXXX  Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2017-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I paid off my account with cash in full at Cashmax on Wednesday X/XX/2017 I was referred by the branch manager and assistant manager that they could not release the lien on the title until after 10 days they have to email corporate office and corporate office in XXXX, Texas has to mail them the title and then I am able to pick up the title. I went back for an unsecured payday loan and they still have not released my lien on the title I need to know when I can get my title back that was paid off and why I am being told I am not able to release the lien on the vehicle if I am paying off in cash.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Khoury Alternative Claims Management (FL)

Received a letter from Alternative Claims Management regarding an auto accident that was handled by XXXX XXXX. Letter claimed we owed {$870.00} and we had 30 days to pay. They asked for a credit card authorization. XXXX believes this claim was satisfied.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (DC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On the XXXX XXXX XXXX I went to a atm at a XXXX  gas station on XXXX XXXX XXXX XXXX XXXX I withdraw {$400.00} and got a error message saying '' Depensing error '' along with a receipt o call my bank CHIME immediately to dispute the transaction and explain what happened my dispute was denied even though I showed them the receipt showing I never got any money. This is not a small amount of money. I've been banking with this institution for over 5 years I need help resolving this issue.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I submitted my dispute to all 3 major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/2022 XXXX XXXX XXXX {$1300.00} XX/XX/2022 XXXX XXXX  XXXX {$2200.00}
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-11-30
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. (TN)

My equifax credit report has been locked for about XXXX months, and equifax allowed XXXX to run my credit without my permission on friday resulting in a reduction to my credit limit. My billing cycle had not ended to which I was to make a payment before it ended on XX/XX/26. I did not unlock my credit report and was not asked for permission to release my information or report to anyone. When speaking with XXXX, they told me that equifax released information prior to my billing cycle ended to which I inquired why would they do that without my permission and my report is frozen and also why would they do that before the billing cycle ended. They could not answer the question but told me to address the issue with equifax to which I have not received an answer.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via CMRRR # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX  8. Account Status on Equifax is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : XXXX  dispute - XX/XX/XXXX, XXXX Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I called Transunion back in XXXX of 2021 and spoke to a rep about unauthorized hard inquiries and they asked me to submit an identity theft report which I did. The Transunion rep also told me attach the identity theft report to a dispute letter, a copy of my ID, a copy of my Social Security Card, a copy of a Current Utility Bill, and to mail these items to their facility at XXXX XXXX XXXX, XXXX, PA XXXX. I did this in XX/XX/XXXX, and XX/XX/XXXX. Transunion has disregarded my disputes, I have not received anything about my disputes in the mail. The other credit reporting agencies removed these fraudulent items because they were fraudulent. EVERYTHING WAS SENT VIA CERTIFIED MAIL.