davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
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: Resurgent Capital Services L.P. (AL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cottonwood Financial Ltd. (TX)

Took out this loan for school around XX/XX/XXXXI have always paid on time {$240.00} they call me every Thursday when Im at work I have stated to them many time not to call me just to draft money one time they told me I only had to pay XXXX  that if I wanted to save money for the the month so I asked what the catch that I didnt want to pay more or refinance they said nothing that I just had to go in and sign papers and everything world stay the same I asked this question multiple time if anything would change lady lied to me I called today and my payment reset so I have to start all over again I did not receive anything when I refinanced
Consumer complaint received 2022-07-21
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. (CA)

XXXX XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 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  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 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 2018-10-16
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. (MD)

On XX/XX/2018, I received a hard credit inquiry from XXXX which has affected my credit score. I called the credit reporting agency ( Transunion ) and they informed me that I will need to get documentation from XXXX. After an hour waiting, I spoke with someone from XXXX and they said I would need to speak with Transunion to start the dispute process. I called Transunion back and they refuse to do anything without documentation. Both parties refuse to fix this hard inquiry that I did not authorize and I am currently left with no recourse.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/scrub>XX/XX/XXXX i sent transunion a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (FL)

ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Moneytree Inc (CA)

I updated my bank account to XXXX XXXX XXXXXXXX checking account, I updated the account with them and let them know I no longer got XXXX  and they send the money to the wrong account I asked them to stop the transfer I spoke to the service representative and they say nothing cant be done. So I am upset that they refused to stop the transfer and even after telling them that I now bank with XXXX  XXXX they send the money to the wrong account.
Consumer complaint received 2018-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

Around XX/XX/2017 I went to the hospital due to being injured at work. Which turned out to be workman comp. My company paid for the bill and later I end up with collection letters and statements saying I owe the money. I tried on several occasions to contact the hospital and they wont speak to me saying I'm a third party.My manager has shown proof that they were paid through workman comp.
Consumer complaint received 2024-02-28
Product: Credit reporting 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. (GA)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TN)

I have been harassed for multiple years by different companies claiming to have a debt originating from my XXXX XXXX contract that was finished and paid in full. I do not owe anything to XXXX XXXX. They overcharged me and added items to my bill without my consent to have these channels added. Upon the finality of my contract of 2 years with them I requested in writing, email, and verbally that they terminate my services. They tried to continue charging me despite my extreme attempts to terminate their services upon completion of my contract with them. They have tried to sell " debt '' to several companies since 2017. I have successfully disputed these companies at the basic level by completing disputed with the bureau they were reported to. This current company " credence resource management '' has claimed that they verified the debt with the originator. Since the originator illegally created the charges they are not valid and were never owed. I do not owe anything to XXXX XXXX and quite frankly I am fed up with being harassed by companies for petty amounts of fake debt that ends up creating a negative impact on my credit. I am considering legal action if this harassment does not stop. I have verified that these debts are illegal charges and I should not have to waste my time and energy everytime they sell it to some company hoping to profit off of illegal/fraudulent debt collection processes.
Consumer complaint received 2019-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

I was a customer of XXXX XXXX. We had agreed on a price for one year before the end of the year. I did not say please cancel my account with you until the day indicated they told me there is nothing to do because your phone number is in a transfer position to another company there is closed the account I thanked him and finished the conversation Then they started to send a bill for which I had not used anything because until today I had paid 12 months and there are still up to this moment that I am in the credit report damaging my reputation
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX XXXXXXXX XXXX transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (MI)

Years ago I had a XXXX credit card.XXXX  went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to XXXX XXXX XXXX card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the XXXX XXXX XXXX card when they said it was denied.XXXX  needs to provide proof that i signed up for a XXXX XXXX XXXX card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/2020 at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : 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
Consumer complaint received 2022-06-13
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. (CO)

XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Consumer complaint received 2022-06-13
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. (CO)

XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Consumer complaint received 2020-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2020-12-15
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. (NY)

Looking over my credit report and notice there were fraudulent accounts that does no belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief
Consumer complaint received 2018-10-16
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. (NY)

Over the past 12 months, I have attempted to access my TransUnion credit score via the XXXX XXXX service offered to XXXX customers and via TransUnion.com However, I have been unable to access my information. I have contacted TransUnion and XXXX about this several times to no avail. My last communication with TransUnion on the matter ended with the phone agent telling me that I can not get a credit report from TransUnion because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called TransUnion 7 times and XXXX once on this matter already. 



Furthermore, recently I applied for a new XXXX credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that XXXX can not properly obtain my credit report information from TransUnion ( XXXX uses TransUnion ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of XXXX reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe TransUnion is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Lakeside Title Company (WI)

I received a cheque of apps. XXXX USD and I was asked to pay XXXX USD to a 3rd Party in a contract against my XXXX XXXX. 
1 week later the cheque was withdrawn and account got overdraft by XXXX USD. 
All the relevant details has been attached in pdf.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Re : XXXX XXXX XXXX  Account : XXXX I have previously disputed the above referenced account twice and the item was deleted from the credit file on the subsequent credit report. However, now the item have reappeared on my credit report as of XX/XX/2018. This company is not license to collect in the state of Texas. Each time the account is removed then reinserted.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a stat. ement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.
Consumer complaint received 2021-04-27
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. (FL)

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously