davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/18 I contacted Transunion about some credit inquiries and the company will not dispute my complaint after I explain to them several times that I did not authorized several hard inquiries on my credit report.
Consumer complaint received 2022-02-16
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. (DE)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We have purchased a new home. We still are paying the mortgage on our previous ( first ) home. We are trying to owner-finance a sale of the first house. However, the title company asked we receive a letter of permission from the lein holder, Carrington Mortgage. On XX/XX/XXXX, I contacted them by phone to ask for this letter. They sounded confused as to what I was asking. They asked that I fax a letter requesting the permission to their Research department. I had my agent fax that letter the same day, XX/XX/XXXX. 

I phoned back on XX/XX/XXXX and the representative claimed that the fax receipt was not in the system, and if it is not there, they can not help with any further information. When I asked whether she could contact the department and verify, I was told she has no way to contact them, and I should wait until the 20 - 30 allotted business days were up. 

We have yet to receive any information or response to the letter or phone calls. As of last week, XX/XX/XXXX, their customer support system was having technical difficulties and the office was closed.
Consumer complaint received 2023-03-22
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. (TX)

The credit agencies continuously disrespect the laws. I have showed them on many occasions, how they are violating the Fair Credit Reporting Act. 
According to 15 U.S. Code 1681i ( 5 ) the credit agencies must modify or delete accounts that are not reporting accurately.

According to 15 U.S. Code 1681b ( 1 ) the credit agencies dont have any written permission.

According to 15 U.S. Code 1681 I have the right to privacy.

According to 15 U.S. Code 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can further expand on the negligence. 

The credit agencies have no respect for the laws or me as a consumer. 

They should be held accountable for their daily actions.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I send a request to have the fraud alert removed from all 3 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this
Consumer complaint received 2019-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: Collection Consultants of California (CA)

This company that I never made any business or sign any contract or know have been trething me calling over and over any time of the day or night. They have said they will take everything that I have and will report to ICE.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

I was made aware that I have negative report on my credit history from a Debt Collection Agency. I contacted the Debt Collector and they informed me about attempting to collect a debt for XXXX. I told them I don't owe anything to XXXX. My service was canceled on XX/XX/2022, equipment was returned and final payment was made on XX/XX/2022. XXXX continued to generate fraudulent statements after the service was canceled. I asked the Debt Collector to validate the debt but they where not able to do so. In violation to the Fair Credit Reporting Act they made a false report on to my credit history to force me to pay a bill that I don't owe.
Consumer complaint received 2022-12-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is a follow-up request regarding my last complaint. I would like to inform you that the account has not been validated yet. So this time I am filing another complaint to this platform so that the 3 Credit bureaus will be notified and the issue will be addressed Here is the account mentioned above : XXXX XXXX XXXX BALANCE : {$230.00}
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Why would I submit a fraud or identity theft if they have not proved the information that it was my information that was used. How many people were born in 1976 and how many people named XXXX XXXX. I have told them to give me information that would prove to me that it was in fact that my identity was used. If they could do that then I can rightfully fill out an affidavit stating I did not authorize this. However, if I do the affidavit right now then I could be clearing someone else debt that actually may owe them by the name of XXXX XXXX. Please ask them to verify with more verifiable identification such as my social security number. On the affidavit they supplied to me this week, it is asking me for my social security number. I will not give them that information. If this is my debt they should already have it. Why are they refusing to supply it to me. I will not and should not be bullied into making a fraud report on someone if I do not if it is fraud on me without the proper verification. Look at that affidavit you are asking me for all my important information that you have EXPLAINED to me that you do not have. So why are you pushing this debt on me if you can not verify it is me. A birth year or birthdate and a name does not say it is me and I can not put fraud on this account without knowing if it was actually my information. Please remove this off of my account if you can not verify SOCIAL SECURITY NUMBER OR IDENTIFICATION. NOW IF YOU SUPPLY ME WITH THAT INFORMATION THEN I CAN NO LONGER ARGUE THAT ITS NOT FRAUD. IF YOU CAN VERIFY THAT INFORMATION THEN I WILL FILL OUT YOUR DISPUTE VERFICATIUONS TO THE FULLEST AND FOLLOW THE STEPS TO CORRECT THIS. HOWEVER, ONLY IF YOU CAN PROVE MY INFORMATION. SOMEONE OUT THERE OWES YOU AND YOU ARE WASTING TIME PURSUING THE WRONG PERSON,
Consumer complaint received 2019-02-10
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. (FL)

XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my Equifax credit bureau.
Consumer complaint received 2022-09-28
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. (NC)

I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.
Consumer complaint received 2023-10-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (LA)

I moved out of rental in XXXX  on good terms and was given the all clear and turned in keys. I was later billed for issues that were preexisting before I moved in, during hurricane Laura the roof was ripped off and they are billing me for damages that were cause by the storm. I do not owe anything I left in good standing.
Consumer complaint received 2019-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, Transunion is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently listed on my credit report. I have reviewed my report and found several items that I do not recognize and believe may be fraudulent. 

Firstly, I am disputing an inquiry from XXXX XXXX  XXXX dated XX/XX/XXXX. I have no recollection of authorizing this inquiry and suspect it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

Secondly, I am disputing inquiries from XXXX XXXX and XXXX XXXX, both dated XX/XX/XXXX. Again, I do not remember authorizing these inquiries and suspect they may also be fraudulent. Therefore, I am requesting that they be removed from my credit report immediately. 

Additionally, I am disputing several accounts that I have no recollection of belonging to me. These include an account with XXXX XXXXXXXX, account number XXXX, an account with XXXX XXXX, account number XXXX, and an account with XXXX XXXX, account number XXXX. I believe these accounts are frivolous and should not be listed on my credit report. Therefore, I am requesting that they be removed immediately. 

Lastly, I am disputing an inquiry from XXXX XXXX dated XX/XX/XXXX. I do not remember authorizing this inquiry and suspect it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

I appreciate your attention to this matter and look forward to receiving confirmation of these items being removed from my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX 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 written instructions.
Consumer complaint received 2019-04-24
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. (LA)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-02
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)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the XXXX  date, date of XXXX activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

Its saying that my student loan ( PHEAA ) thats being shown on my credit score has increased from a possible missed payment. Its stating that between XX/XX/XXXX to XXXX XXXX I had a balance increase of {$22.00} from {$5500.00} to {$5500.00}. Also and increase of {$18.00} from {$4900.00} to {$4900.00}. Also, its showing between XX/XX/XXXX and XX/XX/XXXX and increase by {$22.00} from {$5500.00} to {$5500.00}. Between XX/XX/XXXX and XXXX XXXX and increase by {$17.00} from {$4900.00} to {$4900.00}. This is false! My student loans have been cleared on my credit report. I dont have any missed payments on my student loans and iam in good standing with my creditors. This is a mistake and it has brought my credit score down 22pts. I called the creditor to verify if I was late on a payment and they said I didnt have one scheduled until XXXX. I still made a payment of {$10.00} on XX/XX/XXXX just To be sure that I made a payment. My confirmation number for this is XXXX This was originally PHEAA WHICH IS SHOWING UP ON MY CREDIT PROFILE but, my loans been transferred to XXXX XXXX and aes XXXX which are now In charge of collecting my debt. Im not behind on any of my student loan payments, so, why is this showing up on my account an now, has brought my credit score down 22pts? Please correct this problem. My creditor for PHEAA IS XXXX AND YOU CAN CONTACT THEM BY MAIL OR NUMBER. XXXX-XXXX-XXXX  address department of education XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX If theres another creditor thats showing up for any other student loan, that shouldnt be since my account has been cleared of student loan payments, it would be from AES. A confirmation number for them will be XXXX. Their contact information is as follows. Number XXXX-XXXX-XXXX  address American Education services XXXX XXXX XXXX XXXX, MD XXXX Both of these accounts are up to date an shouldnt be in delinquency or in a negative balance. I havent missed any payments and I have confirmation numbers of me calling my creditors to verify this issue. They both said Im up to date and in good standing with them. I have no late payments or missed payments that I havent already payed for! Please correct this issue and take this off of my credit report. It has dropped my score down tremendously. Thanks again credit karma for all the help in correcting my depts. 

Ps : I didnt attach my account info or name or address to the papers Im sending because I dont want to give out my personal information if I dont have to. If you need anything else from me I can be contacted through my email XXXX or cell XXXX-XXXX-XXXX
Consumer complaint received 2019-04-24
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. (LA)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-07-06
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. (LA)

'To Whom It May Concern : 15 USC 1681b 'This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety Further, I request verification, Validation and proof that this alleged Debt and Child is mine! In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the a creditor and signed by all parties involved, You are illegally attempting to collect the above-listed debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. 
I have not given you written permission to put anything on my consumer report, 15 USC $ 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Hi we were approved for a mortgage in XX/XX/XXXX for a house in XXXX, GA. We were financed by XXXX XXXX XXXX. They sold the loan to XXXX and then we refinanced with XXXX. Eventually XXXX sold the mortgage back to XXXX. XXXX placed deferred interest on our loan, but we were never late and could not understand why this was done to us. We filed bankruptcy around XXXX and continued to make on-time payment. After the bankruptcy, we were still with XXXX and they tacked on more to the deferred interest going up to {$20000.00}. We are still paying the interest and not just the principle. We believe we are the victims of predatory lending. We have tried repeatedly to talk to XXXX about it, but they went out of business. We tried to talk to XXXX and then they went out of business with no resolve. Now our loan is with Rushmore and they are referring us back to XXXX to address this problem. Please help. Thank you.