davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. With your help, I need these accounts to be verified and fixed immediately. My credit report includes the following misleading accounts that needs to be investigated and corrected XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX. Balance : {$18000.00}
Consumer complaint received 2019-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I own home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX. My mortgage company is XXXX XXXX XXXX. On XX/XX/2019 I sent a request via fax to remove mortgage insurance premium on XX/XX/2019 since I meet the the borrower initiated cancellation guidelines that includes : 5 year loan time period ; no late payment within the last 12 months and reached 78 % threshold or less of home value. Mortgage service denied request onXX/XX/19. I resent information for rebuttal and dispute on XX/XX/2019 and received correspondence on XX/XX/2019 that it has been denied.
Consumer complaint received 2023-07-28
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX, XXXX XXXX & XXXX  XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XX/XX/XXXX, I submitted {$250.00} with my application for a " USAA Secured Card Platinum Visa card. '' The card was received with a letter stating " ... more ways your card is working for you : -- helping you build/rebuild your credit. '' My credit limit is {$250.00}. The CD matures XX/XX/XXXX. 

XX/XX/XXXX, I rang USAA, and spoke with " XXXX. '' She informed me that " closing the CD would close my credit card. '' XX/XX/XXXX, I received a letter from USAA stating " your CD ... will soon mature. If no action is taken, your account will automatically renew in a CD with a similar term. '' XX/XX/XXXX, I rang USAA, and spoke with " XXXX. '' He restated what " XXXX '' had previously said. I was then transferred to " XXXX '', who was *supposed* to be a " credit card specialist. '' In fact, " XXXX '' is in the " new accounts '' department. She stated that there is no procedure whereby my account could be " graduated '' OR " converted '' to an " unsecured card. '' Furthermore, my {$250.00} CD will be applied directly to the outstanding balance. It is worth noting that the cumulative amount of interest paid on my CD ( as of XX/XX/XXXX ) = {$2.00}!!! 

My payments have been made on a timely basis, automatically withdrawn from the same checking account, are usually above the minimum amount, and my balance has NOT exceeded {$250.00}. Closing my account will negatively impact my credit score -- contrary to the very reason I opened the account in the first place!!! 

In contrast ( XX/XX/XXXX ), I submitted {$150.00} with my application for a " XXXX XXXX Secured MasterCard '', and a credit line of {$200.00}. XX/XX/XXXX, I was notified that my credit line had been INCREASED to {$600.00}. I rang XXXX XXXX, to confirm that a mistake hadn't been made. I was informed that they proactively review accounts, my account was " in good standing '' and my payment history justified the increase. 

Upon receipt of the notification from USAA, I once again rang XXXX XXXX. " XXXX ' '' informed me that the CD security is held for the " life of my card. '' However, XXXX XXXX ALSO proactively reviews accounts, my account *can be* " upgraded '', and the CD released to me. 

Had I been advised that my {$250.00} would be held indefinitely, I would NEVER have opened an account with USAA. Furthermore, 2 years is most certainly sufficient time for USAA to recognize my credit " worthiness. '' Indeed, XXXX XXXX made such a decision after only 6 months!!! 

USAA is, once again, engaging in unconscionable predatory practices. Reference prior CFPB complaint XXXX, wherein a " defender hold '' was placed on my payment for 10 days, and I was accused of " money laundering. '' I have been a USAA member for 29 years, and am currently facing a lose-lose proposition. My credit rating will be irreparably damaged. 

USAA 's ( current ) slogan is " good enough is NOT good enough. '' Indeed, USAA is NOT EVEN " good. ''
Consumer complaint received 2023-07-28
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, XXXX. XXXX
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Today, I was at work when I got a phone call from a restricted number. The person left me a voicemail saying they are XXXX XXXX from XXXX serving me with legal court and criminal court documents tomorrow between XXXX and XXXX. I call the number they left on my voicemail and a guy by the name of XXXX told me I'm being sued by Fifth Third Bank. I have never had an account with that bank and have no knowledge or notice of being placed into collections by that bank. XXXX threatened me over the phone saying this will turn in to a warrant for my arrest and they are coming for me tomorrow. This has to be an act of fraud because I have never opened up a bank account with that bank however XXXX had all my information like my social security number.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

I had two credit cards with XXXX. In XX/XX/2020, I mistakenly paid on my balance on both cards when I intended to pay a different bill. I contacted the creditor and requested the payment be reversed. My due date was still several weeks away. They agreed and reversed the payment. Then they immediately locked me out of my account. I contacted them and they stated that my account has been closed and they cant access any details about my case. I requested that they send me documentation. They did not. Instead, they sold my accounts to a debt collector called MHC Receivables in XX/XX/2020. They made abusive calls and then sold my account to Sherman Originator 2 weeks later. They then sold my accounts to PYOD. PYOD initially made aggressive and threatening calls and then went silent all the way until now by serving me with a court date to sue me. In my credit reports, it verifies that ALL of my accounts have been 100 % on time. I havent had one past due payment. I believe that not only was XXXX predatory in their practice, but that they may have a relationship with debt collectors to prey on consumers. The very few times I ever spoke to a collector, I stated that I would not be willing to agree to anything or confirm anything until I received written statements from them detailing what I owed and why I owed it. Considering I hadnt ever had a past due payment with XXXX and was unclear of my status with them, I wanted to be sure that what was happening wasnt a scam and was legal and accurate. No one ever complied. I only received threats and abuse. And they have even falsified their filing stating I have paid money towards this collection when I havent. I am attaching screenshots that show I have a 100 % payment history. If something was past due to the point where XXXX would charge-off my accounts, it would still show in my history.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax did give the proper document for the account that I dispute and just said that it was mine without verify any information on the account that I am disputing they have past thirty day and that is volition of the law.
Consumer complaint received 2019-04-30
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. (TX)

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX   and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-30
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. (CA)

the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Even though Ive paid off all my loan and credit card balances Experian is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also Experian has addressed for me listed in Denver although Ive never lived in Denver in my entire life. Experian refuses to remove it
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 2023-07-28
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. (TN)

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. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2019-04-30
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)

The following accounts are fraudulent XXXX XXXX {$130.00} XXXX XXXX {$1400.00} XXXX  {$200.00} XXXX {$200.00} XXXX XXXX {$550.00}
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # ACCOUNT NAME : STATE OF MI/OFFICE CHILD SUPPORT ACCT # I contacted TransUnion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2019-04-30
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. (CA)

the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC (FL)

The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (CA)

I recently applied for a XXXX XXXX Credit card at the Navy Federal Credit Union after being approved with debit card. I received the debit card XX/XX/XXXX. I also received a reply stating that my credit card application number XXXX, dated XXXX was denied for the following reason, " YOU CAUSE NAVY FEDERAL A LOSS ". I served and XXXX in the XXXX for 20 years. I believe this is due to the bankruptcy I filled when I was still active in the service in the year of XXXX or XXXX ( that was more than 30 years ago ). I thought in accordance with the law, that bankruptcy stays in the record for a maximum of 10 years and can not be a basis anymore for disapproval. My credit has been successfully established since then. 
The denial came from the Navy Federal Credit Union, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. Can you please shed some light on this matter and probably try to help me in obtaining a credit card, which is safer to use nowadays ' cause scammers are getting more aggressive and seems to be out of control. My E-mail : XXXX. 
Respecfully, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GAMACHE & MYERS, PC (MO)

XX/XX/XXXX, a collection agency representing XXXX XXXXXXXX XXXX placed a judgement against me for {$3100.00} plus interest. XX/XX/XXXX, they garnished my wages for this debt from a job I had to leave in XXXX. I hadn't heard from them again until today when I got a summons to appear in court XX/XX/XXXX, for this same debt. They are placing a lien on my property. The parties involved currently are Gamache & Meyers, PC Attorneys At Law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no further info provided ) I have never been able to afford an attorney to help me with this. I can't do so now. This is NOT my debt. I did NOT have this credit card. I tried for years previously on my own to get a contract or proof I owed this debt, and they've never given me anything. This has to be some kind of fraud or identity theft.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello I reviewed my Consumer Reports and noticed that I had 2 late payments on a XXXX XXXX XXXX XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.