davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-17
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. (CA)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2020-12-17
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. (OH)

ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. Experian for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TN)

On XX/XX/2022 Transworld Systems Inc. Violated HIPPA in a response to a validation letter that I sent them on XX/XX/2022. They provided me a bill that included medical procedures, Dates, Cost, and date of birth.
Consumer complaint received 2022-09-02
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: Cascade CISS Holdings, LLC (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2019-02-04
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: BARCLAYS BANK DELAWARE (SC)

According to FCRA 609 ( a ) ( 1 ) ( A ), Financial Institutions are required by Federal Law to Verify - through the physical verification of the original signed consumer contract ( with my signature on it ) any and all accounts you report on a credit report. 
Under the FCRA 609 ( a ) ( 1 ) ( A ) unverifiable accounts must be removed within 30 days of the request. 
Ive requested a copy of the original consumer contract between Barclays Bank and me. My initial request was XX/XX/XXXX. In response to that request I received a stack of statements instead of the consumer contract I requested. My next request was XX/XX/XXXX. Once again I received a stack of statements. My final request was on XX/XX/XXXX. I received a letter indicating they were unable to complete my request. 
After several phone calls and written request, according to FCRA 609 ( a ) ( 1 ) ( A ), Barclays Bank Is required by Federal Law to remove their debt from my Credit Report.
Consumer complaint received 2019-02-04
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. (NC)

I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX Now and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my XXXX  and TransUnion credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my credit.
Consumer complaint received 2022-09-02
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: Resurgent Capital Services L.P. (MI)

In accordance with the Fair Credit Reporting act XXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

The original creditor account was through XXXX XXXX XXXX but that charge was disputed due to the account being mischarged and incorrectly billed. XXXX XXXX removed the derogatory mark from my credit report but appear to have sold that account to multiple collection agencies. LVNV Funding LLC has recently removed the collections account from my credit report but this accounts was THEN given to Resurgent Capital Services ( see scanned letter ). This account has been closed and originally removed from my credit. I need the multiple inquiries and collection attempts to stop, its too much for me to handle and is ruining my credit score.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I spoke with bank of america corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that Bank of America would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about bank of america and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX just keeps updating it and not deleting it off my report along with XXXX it is still reporting.
Consumer complaint received 2023-01-26
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. (MN)

I had a credit card through XXXX XXXX  that was set up i. auto pay XX/XX/2022 before any purchases were made. I called XXXX XXXX after receiving a notice that my bill was not paid. They told me they made a mistake and reversed late fees. At that time, I confirmed with the rep that the card was on auto pay and they said yes. 3 months later I receive a notice saying the card
Consumer complaint received 2019-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by Portfolio Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Consumer complaint received 2019-02-04
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. (NC)

I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX XXXX and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my Experian and XXXX credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my credit.
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

Borrowers : XXXX & XXXX XXXX XX/XX/19 - we faxed our authorization and a request for a Payoff Demand. 

XX/XX/19 - called Loan Depot as we had still not received the Payoff Demand. We were told we would have it within 48 hours. 

XX/XX/19 - called Loan Depot as we had still not received the Payoff Demand. Rep " XXXX XXXX '' said nothing had been done and she assured us it would be requested. 

XX/XX/19 - Still nothing from Loan Depot. Called again and spoke to " Ms XXXX '' ID # XXXX. The payoff demand has not been ordered nor are there any notes that I have called multiple times and requested it. NOTHING IN THEIR SYSTEM and NOTHING HAS BEEN REQUESTED!!! 


This is not acceptable. It is a violation of Fair Debt Practices Act and clearly is racism against our minority borrower. 

I want a Payoff Demand immediately. 

CC : Attorney General
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (NY)

To whom it may concern : My name is XXXX XXXX. It has been brought to my attention that I have a judgement against me for a debt that was paid and closed in XX/XX/2008. 

I had a XXXX XXXX XXXX credit card that was not closed properly and remained open over 10 years ago. 

There is no evidence on my credit report showing the history of debt. 

I have contacted the original creditor in which they do not have any information of me on file. I have contacted Calvary Portfolio who is reporting with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, None of these companies have any information of the debt. 
None of them can tell me or explain the balance history. 
None of these companies are validating the history of the account. 

All I know is there was a balance of {$19000.00} which is now an alarming {$38000.00}. 

No one can tell my why I owe this balance?! 

Please help me investigate this. I am trying to refinance my home and I have great credit but this account came up and stopped me from doing what I need to do. 

I feel stuck and helpless and scared these companies are trying to steal from me. 

Thank you, Sincerely, XXXX XXXX
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (FL)

This communication is in response to Complaint ID : XXXX with Harvard Collections.

I have received correspondence that Harvard Collections didn't receive any verbal nor written agreement from me in order to validation the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report.

This is a clear violation of my rights under the Consumer File Rights as well as the Fair Credit Reporting Act.

If they aren't able to validation the debt, then they need to remove the item from my credit. As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution.

This item doesn't have enough support to validation ir being mine, let along negatively impacting my credit report.
Consumer complaint received 2018-04-23
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)

I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXXXXXX XXXX  from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXXXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession
Consumer complaint received 2023-01-26
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. (FL)

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 a account without my written instructions