davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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. (VA)

TransUnion LLC sold my personal information without my verbal nor written consent to various companies unknown to myself which is violation of my privacy and identity theft and labeled it promotional inquiries, also there are additional inquiries that should not be on my consumer report. There's a total of 49 requests for inquiries into my consumer report and I was not informed either time, nor would I have consented to such a degree of invasion. I demand deletion of each inquiry mention in the letter attached, no CRA can place any information on Consumer 's credit report without their consent and this is a huge violation in their regard. They were also compensated for providing my personal information to these companies and for that I demand compensation to be sent to me via check to the address in the attached inquiry removal letter. I shall provide invoice notating each violation and the amount required by me the federally protected consumer, natural person and original creditor. Please see attachment.
Consumer complaint received 2019-08-06
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. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2021-12-13
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. (LA)

I am having a major problem with Experian. I was a victim of identity theft in 2016. I sent a request to all XXXX bureaus requesting these fraudulent accounts be blocked from my report. I filed a police report, FTC Affidavit and sent all that in. XXXX and XXXX quickly determined fraud and blocked the accounts. Experian is a different story. You can not get anyone on the phone to help you. Unless youre buying one of their products, you get transferred in an endless loop. This happened to me 5 times with the number of times being transferred varied from 10,12, and 8. I communicated with them by mail and by fax. I didnt even get an acknowledgement of receipt. Furthermore, I paid off my credit cards and loan with credit union recently and it reflected on my XXXX score, XXXX and XXXX. Experian remains unchanged. Their headquarters is not even in the United States. They will NOT transfer you to a manager, will not have one call you back, will not give out an executive information. It is the worst customer service I have ever received and this from a consumer credit reporting agency. This really needs to be investigated. How can they be so careless?
Consumer complaint received 2019-08-06
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. (IL)

I AM A VICTIM OF ID THEFT DUE TO THE 2017 XXXX  DATA BREACH. PLEASE REMOVE THE REMAINING ITEMS LISTED ON MY FTC REPORT FROM MY CONSUMER FILES.
Consumer complaint received 2019-08-06
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. (UT)

The particular company ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : 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 and XXXX/XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
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: Experian Information Solutions Inc. (AZ)

I spoke with XXXX at Experian on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Experian credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my XXXX  credit report due to my identity been stolen.
Consumer complaint received 2021-12-13
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} Collection : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2021-12-13
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

Portfolio Recovery Associate # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2015-06-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Fairway Capital Recovery, LLC (IL)

FAURWAY KEEPS CALLING IN VIOLATION OF T.C.P.A. SEVERAL NUMBERS CONTACTED SINCE XXXX LIKE : ( XXXX ) XXXX, ( XXXX ) XXXX & XXXX, ( XXXX XXXX & XXXX, ( XXXX ) XXXX AND ( XXXX ) XXXX
Consumer complaint received 2022-03-27
Product: Checking or savings account — Other banking product or service
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (OR)

My name is XXXX XXXX XXXX I live in XXXX Oregon and I was put inside of some organization where my life has been turned into a living XXXX I am the most upbeat positive person that puts positive in people 's lives because it makes the world a better place but I've been beat down told I had an inheritance that the government has it they don't have to tell me where it's at this organization has never given me one single penny when I get told to open a bank account and different banks they talk to me like I'm stupid and they don't know what I'm talking about why would you insure money the FDIC and the banks are not obligated to get a hold of the person if they have some money for them is the most stupid ridiculous thing I've heard in my whole life and what a rip off but you guys are truly ruined my life and our government put me inside some research or whatever the XXXX this thing is and then when I try to start a company put me inside some organization and take complete control of it and never receive a penny but you guys drive around staying the nicest hotels having steak dinners and beat the living XXXX out of me for four years straight with that one bit of positivity with all these people that you have here are from the military and are not homeless and treat me like living dog XXXX  every single day is the worst crooked thing I've ever seen any Americans do in my life and they should go to XXXX jail
Consumer complaint received 2019-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

All three Credit Bureaus have reporting from LVNV Funding LLC which I discovered was actually Resurgent Capital Services. They are reporting a debt owed on two separate Credit Card Accounts ( one XXXX XXXX, the other XXXX XXXX ). The amounts shown are for {$730.00} and {$710.00} on accounts showing to have been CLOSED in XX/XX/XXXX and XX/XX/XXXX. 

I currently have open & Current Accounts with both of these banks and as I TOLD this Collection Agency in Writing on 3 Separate occasions I have NO KNOWLEDGE of these CLOSED Accounts. I therefore asked them to provide ANY PROOF these accounts are really mine. ONE FORM showing my signature would serve as such proof and since I sign numerous charges with BOTH Banks I currently use. This seems to be a Logical, Simple and Common Sense Step in aquiring PROOF of Ownership. I stated that with such proof I would be happy to resolve the issues. But again, I have no knowledge of such accounts so I also asked that if they were unable to provide such documentation they REMOVE the false reporting from my credit file. 

Rather than providing me any supporting documentation OR removing the false reporting. This collection Service has instead actually put in writing they expect me to provide PROOF I don't have an account. That's INSANE!! It is impossible to prove you don't own something you don't have. They even provided me with duplicate mailings stating they would NOT continue to correspond with me and have made NO attempt or provided any reason for their FAILURE to provide any proof the accounts exist. And through that action they are basically EXTORTING me to make payments on accounts about which I have no knowledge. 

The Reference Numbers I have been Provided by Resurgent Capital Services are XXXX XXXX And those are the ONLY Actual Numbers I have EVER been provided.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (LA)

Last XXXX Ive sent disputes for those inaccurate and unknown accounts but I haven't received any response yet it almost 60 days. I demand to delete those accounts asap or I will file litigation.
Consumer complaint received 2021-12-13
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. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (TX)

In late XX/XX/XXXX, our tenant said they were closing their business and would be out of our warehouse by the end of the month. On XXXX XX/XX/XXXX, I spoke to the tenant and told him that the equipment was still in the space. The tenant communicated that the bank wouldn't provide bank info and would contact me to pick it up. Finally, on Thursday, XXXX XX/XX/XXXX, XXXX XXXX XXXX from US bank contacted me about this equipment. I communicated that I have no problem letting the bank have the equipment, but the bank will pay for the storage time to remove the equipment beginning Monday, XXXX XX/XX/XXXX. The bank has failed to provide me with a copy of the Landlord Lien Waiver that the leased space owner should have signed. I never signed such a waiver, nor did I know the tenant had leased equipment in the space. Banks are required by law to have such waivers signed. I followed up with the bank on XX/XX/XXXX and XX/XX/XXXX. Finally, on XXXX, US BANK responded on XXXX XX/XX/XXXX stated this had been turned over to a XXXX party lawyer in Texas who is claiming we're holding equipment ransom. I have sent the lawyer an emails, phone calls and certified letters. We have requested the bank pick up the equipment, and it's still in our warehouse. I am unable to lease our unit because of storing this equipment. We just want the equipment removed. How long do I have to store this at no charge. the US Bank is not taking due diligence in retrieving their equipment.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

Im in the process of trying to refinance my home. My credit report says the property is in foreclosure. I contacted Shellpoint mortgage servicing, spoke to XXXX, and she can not explain why. I have attained a mortgage verification letter from shell pointe, stating that Im in good standing, not delinquent and have not been late in the last 12 months.
Consumer complaint received 2019-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

I sent a certified mailed letter to Diversified Consultants , Inc. asking them to send proof of the debt that they claim I owe XXXX. I believe this debt to be in error. They have put this debt on my credit report, I asked them to remove it until proof of the debt was made. I have tried to get this debt verified with proof on several occasions. Diversified Consultants just replies that the debt is verified, but have not sent me any proof of this debt.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I have had a security freeze with Experian for years. I temporarily lifted it on XX/XX/2024. I was denied credit with Experian listed on the denial letter, so I wanted to log in to put a new security freeze on my account and get a free credit report. My account credentials that I used for years no longer working, I tried retrieving my username and or reset my password. I was asked for my date of birth and social security number, the system rejected the info on 2 attempts saying the info did not match. 

I called the company and after waiting 30 minutes spoke with someone who barely spoke XXXX who informed me there was no account on file for me. At this point I'm worried. Is somehow else using my account with my DOB and SS? 

Has someone hacked my account on Experian, and somehow has my SSN linked to a different birthday? 

Can you suggest a way I can get my credit report from Experian and put a security freeze on my account? How do I know someone else is not using my account since apparently my DOB and SS do not seem to work with Experian to reset password or retrieve username? 

Thank you, XXXX XXXX
Consumer complaint received 2022-07-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: JPMORGAN CHASE & CO. (CA)

This is the second time CHASE BANK has " inexplicably '' suspended the line of credit I have on my home. ( " INEXPLICABLY '' WAS THE ACTUAL WORD USED BY CFPB IN SOLVING THIS ISSUE WITH CHASE BANK THE FIRST TIME. When I read the suspension notice on the 2nd page of my monthly loan statement I called the XXXX number as instructed by the bank. I spoke with " XXXX '' ( XX/XX/22 ) as he explained all home equity lines of credit had been suspended since the covid pandemic. After I asked why, until recently, I had been able to use the line without issue. I asked why, until recently, I had received " cash available for use '' in the monthly statement. XXXX hung up. The conversation was recorded. I then went to the XXXX XXXX, Ca. branch of Chase bank and found " no banker available ''. I talked with a teller who said tellers have limited knowledge of lines of credit and no use to wait as banker had appointments throughout to day. XXXX explained Chase was trying to suspend all lines of credit. Also in a separate complaint, I have been charged late payments even though I pay XXXX to XXXX to principal MONTHLY on this account.
Consumer complaint received 2022-03-27
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. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2019-08-06
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. (UT)

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Neighborhoods United, LLC (NC)

We have a mortgage financed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Recently we received a letter from XXXX  dated XX/XX/XXXX claiming they provided the funds to XXXX and XXXX is the owner of the mortgage. XXXX also sent a notice dated XXXX XXXX stating that our loan has been transferred to AHP Servicing LLC due to legal issues with XXXX president. Shortly thereafter we received a letter dated XX/XX/XXXX from XXXX refuting the XXXX  claim and stating that XXXX XXXX  is still our loan servicer. AHP Servicing sent us an invoice dated XX/XX/XXXX claiming that we are delinquent in the amount of {$8700.00} for the months of XXXX, XXXX and XX/XX/XXXX. We responded with proof of payments ( to XXXX ) for the aforementioned months and AHP verbally agreed that we are current with our payments but should send our monthly payments to them. We are caught in the middle and do not know who is the actual owner of the loan and to whom we should send our payments. We have never missed or been late with a payment and do not want our credit rating affected by issues beyond our control.