davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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. (NJ)

I've been disputed this same fraud auto loan collection account since it was brought to my attention in XX/XX/2020. The bureaus conducted their investigation and it was removed from my report after the investigation was completed. The account started reporting again 2 weeks after it was removed. Per my understanding, if an account is removed for fraud, it is blocked from reappearing on the report again and yet here it is. Furthermore, I've been redisputing it and the bureaus are taking no action to restart their investigation let alone look at the previous investigation notes. I shall make no further pleas. Next step will be a lawsuit.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted the bureau over 8 times to correct multiple address that was found incorrect on my credit profile. The Representative did correct some addressees. The representative stated to me that the other 2 address can not be deleted. I called the creditors that I never did business before and stated them I do not know these companies.The companies are XXXX XXXX XXXX. The other business is XXXX XXXX  .Stated in 15 U.S code 1681 B, c-1, an c-2 these false info most be removed.Also the incorrect addresses are XXXX XXXX XXXX XXXX XXXX Fl XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX. This is my 8 time contacting these credit bureus to fix these incorrect information.The next step will have to send a cease and desist letter.I did every stage to verify that these address were not mines and also the accounts.I am starting to getting emotional damage.I have also uploaded my identification with my correct address to this complaint/dispute
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (UT)

My father ( Home Owner ), passed on XX/XX/XXXX, I have been trying to assume the loan and work with mortgage company and it is impossible to do so. I have Emailed, Faxed, Mailed probate documents showing me as the Succesor of Interest and they refuse to accept documents or update their system so I can be authorized to resume making payments and assume the loan. Everytime I call, it ends up on them hunging up or transferred from department to department and on hold for up to 38 minutes. Planet Home Lending has all documents requested and still no resolution since XX/XX/XXXX. This is unacceptable, consumer abuse and discrimination at this point.
Consumer complaint received 2024-03-07
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. (ME)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on transUnion credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 



XXXX  XXXX XXXX XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 


XXXX XXXX Closed on XX/XX/XXXX, Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ).

Check the attachments below
Consumer complaint received 2022-03-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

In late 2021 I noticed that Portfolio Recovery Associates was appearing on my credit report as a debtor however I did not recognize this company. Upon submitting a dispute they advised that they were acting on behalf of another company that I previously did business with.
Consumer complaint received 2024-03-07
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. (ME)

I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate on my transUnion credit report. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts XX/XX/XXXXXXXX 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 XXXXXXXX And one more thing according to 15 use 1681s-2 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.

Check the attachments below
Consumer complaint received 2022-03-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

My XXXX XXXX Mortgage was sold to Carrington Mortgage. The Last Last Report Date from XXXX XXXX to the Credit Bureaus was XXXX XXXX. Carrington reported to the Credit Bureaus on XX/XX/XXXX, showing that I was Currently 120 Days Past Due, and my last late payment was XX/XX/XXXX. This information is incorrect. The Loan is not past due. The Information that Carrington is reporting as current is the information as of XX/XX/XXXX. I am unable to apply for a Mortgage Loan due to the reporting of inaccurate information from Carrington Mortgage. 


**NOTE : I am one of 2 borrowers on this Loan. One Borrower filed Bankruptcy. That Borrower included this Mortgage Loan in his Bankruptcy Filing. I did not file Bankruptcy.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (OH)

Around the last week of XX/XX/XXXX, I tried to refinance my mortgage loan with a local company that is in my town, Guild Mortgage. ( Conventional-30 year-no escrow and cash out ). I sent everything to them they requested. ( check stubs, past tax information, etc ) They ran a credit report on me and said everything was good and could move forward. By then we were into XXXX, XXXX and was told everything might be wrapped up by end of XXXX. That did not happen because it took them about 2 weeks to get someone to come to house and do an appraisal. By then it was the last week of XXXX. I received the results of the appraisal on XX/XX/XXXX. There were some discrepancies in the appraisal which made the loan short for getting the cash out I had requested. This company was suppose to contact the appraiser to get this fixed and I am not even sure that was done. On XXXX the loan XXXX we had been working with sent a text and said he was sorry but the 30 year loan could not be done it had to be 20 year. They were informed that this is not what I had requested since the beginning of this in XXXX and why wait so long to tell me?? Then a couple days after that they changed back saying they could do the 30 year but no cash out!! This was very discouraging since I had waited about 6 1/2 weeks to get this done and had my credit report hit with this! I am beginning to feel like this was age discrimination or they just didn't want to refinance since it was a manufactured double wide. They should not have waited and carried this out so long and said something from the beginning. I hope other people do not have this issue when refinancing with this company.
Consumer complaint received 2023-05-18
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

I am a natural person/consumer. I extended my credit to Synchrony Bank on XX/XX/2022, in good faith pursuant to 15USC1691 ( 3 ) while at the XXXX  store in XXXX XXXX. I entered my credit card number pursuant to 15USC1602 ( l ), and we entered into a Consumer Credit Transaction ; however, I never received a benefit from said transaction which is a direct violation of 15USC1602 ( p ). Instead of receiving evidence with a security instrument that my open-end credit is active, I was given the GAP  Rewards Visa Brochure and told to expect something in the mail. 

I left the store being very embarrassed, confused and XXXX I know that I can not be denied credit unless involving insurance or employment. I also know that my rights were violated pursuant to 15USC1691 ( d ) ( 6 ). There was no reason for this adverse action to have taken place ; something is very fishy. 

On XX/XX/2022, I received communication from Synchrony Bank via mail with adverse action, stating my application for a credit product with XXXX was denied. This adverse action is unlawful and a direct violation of my rights.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  THIS COMPANIES ARE VIOLATING MY PRIVACY RIGHTS BY REPORTING NEGATIVE INFORMATION TO A XXXX PARTY THAT IS EFFECTING MY FUTURE TO OBTAIN CREDIT, BANK ACCOUNTS INSURANCE, UTILITIES, THESE COMPANIES HAVE BEEN PAID IN FULL AND REFUSE TO REMOVE ALL NEGATIVE INFO.
Consumer complaint received 2022-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I.C SYSTEM is reporting a debt to the credit bureaus that does not belong to me. I am a Texas resident and have been the last 5 years. The debt I.C SYSTEM is attempting to collect on is a from Missouri utility company ( XXXX ). I do not live in Missouri and neither do I have business in Missouri. This collection account ( Acct : XXXX ) has really hurt my credit. I would like validation of this debt by sending me a original consumer contract with my signature on it.
Consumer complaint received 2021-03-10
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. (TX)

ftc or FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fcra violations names are not mine
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MI)

There are 2 CHASE CREDIT CARDS IN MY NAME. Chase fraud department has informed me they believe there is fraud on both accounts. 
As long as Chase believes fraud charges are on each account, I am reminding Chase can not report any balance they have questions about to the credit reporting agencies. I would ask Chase to first identify which charges they believe are fraud or suspicious and deduct those amounts from the balance before reporting to the credit bureaus. Otherwise Chase would be recklessly reporting inaccurate information or Information they have not thoroughly researched and investigated to the credit bureaus and purposely or recklessly harming me. 
Also, as a result of the suspicions of Fraud it is vitally important I have an accurate record of all dialogue, Therefore I am demanding a CEASE and DESIST of all phone calls. Chase Fraud department has been calling me every single day and harassing me. My lawyer stressed to me the importance of having all dialogue in writing, Chase has 3 options to reach me. 1. By email, 2. By USPS 3. By XXXX XXXX I will not accept any phone calls for any reason from any Chase department. Now that we have a recorded my request to Cease all Phone calls I am imploring Chase to behave appropriately.
Due to my age of XXXX, I do have a hearing problem and it is embarrassing for me to continually ask a caller to repeat themselves, This all stresses me. Also, many times I do mis hear what is said and provide the wrong answer. This could have a detrimental affect of the current situation. SO again please NO PHONE CALLS from Chase bank or from Chase Fraud department or any other department. If Chase has nothing to hide then writing it down will only help. If Chase says they can not discuss something in writing they are lying as they have been doing,
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (CA)

Hi I am XXXX XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (NJ)

I received many pre-approval offers from this company so I decided to apply to increase my already credit score of XXXX, On XX/XX/2021, I applied on-line and received a pre-approval for {$7500.00}. It asked me to upload a driver 's license ; front and back and a headshot. However, I could not do so from my computer using my iphone so I called customer service for their assistance. They told me that I could email those documents and use my landline number for identification as my new cell phone number was not on file. No problem! Upon request, I supplied my last 4 of my SSN, birthdate and full name before any discussion began. 

It became necessary to upgrade my XXXX because it had no available storage and was malfunctioning so I ordered a new XXXX XXXX which was received on XX/XX/2021 and I submitted requested documents as stated above. 

On XXXX, XXXXXX/XX/XXXX, a call was received by their agent on my landline to inform me that my application was being declined because my cell phone number on file does not match the cell phone number on my credit report. I was completely taken aback. Before our conversation proceeded, I provided my full name, last 4 numbers of my SSN and birthdate. I already have a consolidation loan with them which is in good standing. I informed her that she just called me on my landline. I was pre-approved based on my credit score and income. What is really going on here? It seems as soon as they see my picture ID of a XXXX woman, everything changes. But, I wanted to give them the benefit of the doubt, so I logged on to XXXX XXXX and changed my cell phone number on record and reapplied that date ; XX/XX/2021. I spoke to a consultant named XXXX over the phone after I sent documents to make sure they were received and asked if my phone number situation was a problem and she replied I don't see anything wrong with your phone numbers. I said " Thank you '' and we hung up the phone. 

On XX/XX/2021, I called because I had not heard anything from them about the new application of XX/XX/2021. I was switched around, treated disrespectfully by one consultant in particular and, after waiting at each station at least 15 minutes on hold, I was finally told that I am being declined again because of my cell phone number. 

I reminded them again that I already have a loan with you in good standing, I have a XXXX credit score, I have stable retirement income, I sent appropriate up to date identification to include facial and, every time I speak with anyone, I am able to provide my last 4 of my SSN, date of birth and full name, etc. You contacted me last time on my landline so you know who I am and I have been identified in every way possible. It seems my photos are what changes things from pre-approval to declined. Please look into this for me please! I feel I am being discriminated against because of my race.
Consumer complaint received 2019-10-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AAA Collections (ND)

I had a missed called today XX/XX/2019 from phone # XXXX. I called the number back and XXXX answered the phone, gave his first name and asked who I was. I asked repeatedly what the name of the company was that I was calling, he refused to tell me and hung up. I called a second time and that representative also refused to tell me the name of the company. My 3rd call was to XXXX XXXX, I believe, after I identified myself ( with name only ) he finally told me the name of his company AAA Collections out of XXXX XXXX SD, read me the " mini miranda '' and advised me of a debt with XXXX. He did not attempt to verify a second piece of information with me such as my address or dob or ssn to verify it was in fact me before disclosing the debt, which is a violation of FDCPA. All three representatives also refused to give me the name of the company I was calling even though I specially asked repeatedly, also a direct violation of the FDCPA. and I have recieved absolutely no written correspondence about this debt from this company and was completely unaware of said debt, a validation notice is required to be sent to the consumer notifying the consumer of the alleged debt and notifying the consumer of their right to dispute or request validation of the debt. They have not provided me anything, also a direct violation of the FDCPA collection practices. I informed the representative on the phone that it is against FDCPA practices to refuse to give your company name. I have all 3 calls recorded and can provide them if needed. I also told him they do not have permission to contact me on my cell phone in the future. I have not yet decided if I will be consulting with an attorney and taking legal action but it is a possibility. If you want copies of the phone calls please let me know and I can email as I can not attach below from my phone recorder app.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, and Transunion are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.
Consumer complaint received 2019-10-16
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: ALLY FINANCIAL INC. (MI)

XXXX XX/XX/XXXX never applied for credit I dont understand why this creditor is on my credit report. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX