davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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. (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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MI)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-08-27
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. (GA)

This account became delinquent in XX/XX/2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XX/XX/2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XX/XX/2019, I paid the monthly payment amount of XXXX, on XX/XX/2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account became delinquent in XX/XX/2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XX/XX/2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XX/XX/2019, I paid the monthly payment amount of XXXX, on XX/XX/2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
Consumer complaint received 2018-03-12
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. (FL)

In XX/XX/XXXX, contacted XXXX to transfer TV and Internet service from XXXX XXXX, XXXX  to XXXX, XXXX pursuant to a move. The XXXX XXXX provided me with a confirmation number ( XXXX ) for cancellation of the XXXX XXXX  account and confirmation number ( XXXX ) for new service in XXXX, XXXX. 

It seems the XXXX XXXX account was not closed and so I had 2 XXXX accounts then, XXXX reported a delinquency to the credit reporting bureaus. In the interest of preserving my credit, I paid the amount billed ; however, XXXX continues to report " XXXX  '' for months of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-10-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

My property was foreclosed and filed on XX/XX/XXXX by XX/XX/XXXX c/o XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. XXXX sent me a tax form XXXX  for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for Equifax and noticed XXXX  was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that XXXX stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX between XX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX  report states the same account and same amount, {$5400.00} with XXXX as Closed and Charged off as bad debt, Profit and Loss write-off.
Consumer complaint received 2023-12-30
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$170.00}.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

I refinanced my home in XXXX. I have documentation from XXXX that my loan was paid in full and accepted on XX/XX/2020. Loan care which held my mortgage prior to the refinance sent a late payment notification to the credit bureaus dramatically effecting my credit score which prior to this had no negative marks. Please advise and assist. Thank you
Consumer complaint received 2019-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (KY)

On XX/XX/2019 American coradius International refused to solve a debt collection dispute. I sent this company proof of me already paying XXXX {$52.00}. They are trying to collect a debit that does not exist.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (AL)

Community Bank is calling me 3-7 times every day. 

XX/XX/2024 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is only two days of calls for example.
Consumer complaint received 2022-06-11
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. (TX)

On XX/XX/XXXX, XXXX XXXX XXXX  opened an account on my credit report of {$250.00} for XXXX XXXX XXXX XXXX XXXX. All invoices are paid with XXXX XXXX XXXX XXXX and I have not rented a vehicle from them after XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

PORTFOLIO RECOVERY ASSOCIATES CONTINUES AS NON AFFILIATED THIRD PARTY TO HARASS, ABUSE AND VIOLATE MY RIGHTS A CONSUMER. TO ATTEMPT TO COLLECT A DEBT OBLIGATION THAT HAS BEEN WRITEOFF AS A CONCLUSIVE PRESUMPTION OF WORTHLESS DEBT.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is a case of identity theft this company obviously dont understand the meaning if some one use your information its going to appear to you this company is trying to convince me of phone calls I have not heard I would love to hear to calls to try to pin points this person as if they have money voice recognition on file I have attached the official police report and ftc report as I should Im asking this company to discontinue with there mock half investigation and remove this from my account nothing you are providing connects back to me my address or phone number
Consumer complaint received 2024-01-26
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: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The CMI Group, Inc. (NV)

I recently submitted a complaint to CFPB regarding this issue. The company Credit management responded back for me to submit a fraud form again including where I was residing at during the time of fraud with a utility bill and a copy of my id. I submitted this form which I will include in my uploads. The company also provided me their Consumer relations number which I have left several messages with no resolve. This account does not belong to me. I have never gone by XXXX XXXX, I have never used that name in any instance. I want this account removed from my report immediately. It is a small amount {$63.00} dollars but I refuse to pay for an account that isnt mine so it can show on my credit report as a paid collection. It is totally unfair because I submitted everything they requested and Im still not getting a resolution.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2018-11-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Hello, my e-mail at transferwise.com is XXXX. 
i was sent a sum of XXXX USD by a friend " XXXX XXXX '' who lives in the U.S. on XXXX, with an ETA at the XXXX and i have a screenshot of the transaction and i had on my account a notification of this transfer but it said pending. 
trying to logon to my acc XXXX, i find it to be deactivated without any notice and i was instructed to contact XXXX so i contacted them but i got no message of delivery ( contrary to what they write on the page ) nor did i get any response. 
i contacted XXXX and he discovered his account was deactivated too. 
my account is verified and i have everything on mail. 
thank you.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY they're attempting to collect a debt for a debt of Original Creditor Name XXXX XXXX XXXX XXXX XXXX which has not been verified I have asked several times for them to verify the debt several times and yet they have not verify any of the information.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2018-03-12
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: Experian Information Solutions Inc. (NV)

On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.
Consumer complaint received 2018-11-24
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: BMO Bank, N.A. (AZ)

BMO Harris Bank pulled my credit report without my authorization and caused me to have a credit inquiry on my XXXX XXXX credit report. The credit inquiry is fraudulent and unauthorized. I never applied for an auto loan with BMO Harris Bank.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

Until recently, my home loan has been serviced by XXXX XXXX. A letter apparently bearing a date of XX/XX/2021, and a signature of " XXXX XXXXExecutive Vice President/Head of Mortgage Operations/Loan Care, LLC '' purports to inform me that servicing of the loan will transfer to LoanCare , LLC, and states : 1. " Beginning XX/XX/2021, your home loan will transfer to LoanCare. '' 2. " If you have any questions about this transfer for either XXXX XXXX  or LoanCare, please don't hesitate to contact us. '' and goes on to list a telephone number and partial web site address for LoanCare. 

3. " Should you have questions, please reach out to [ ... ] LoanCare on or after XX/XX/2021. '' On XX/XX/2021, I attempted to contact LoanCare by telephone at the telephone number provided in the XXXX letter of XX/XX/2021, to ask questions about the transfer. LoanCare 's automated telephone system played numerous recorded messages, but offered no way to reach a customer service agent. Moreover, LoanCare 's automated telephone system mentioned a date of XX/XX/2021 on which information about my account would be available by telephone and via online access. This date is different from the date mentioned in the XXXX letter of XX/XX/2021. 

On XX/XX/2021, I attempted to access LoanCare 's web site at the address furnished in the XXXX letter of XX/XX/2021. When I sought to create an account, LoanCare 's web site did not appear to recognize my Social Security number, which is the Social Security number associated with the loan by the previous servicer, XXXX XXXX. However, another part of LoanCare  's web site appeared to recognize the loan number assigned by XXXX XXXX, along with a fragment of my Social Security number, and informed me that information about my loan would be available on XX/XX/2021. This date is different from both the date mentioned by LoanCare 's automated telephone system on which information about my account was to be available, and the date after which the XXXX letter of XX/XX/2021 instructed me that inquiries about the loan should be made to LoanCare and invited such inquires.
Consumer complaint received 2018-11-24
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. (WI)

XXXX has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.