davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-15
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. (MD)

XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but XXXX XXXX XXXX has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing XXXX, Equifax and XXXX that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.
Consumer complaint received 2020-12-16
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. (TX)

Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness. 

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself. 

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision. 

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND XXXX would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS. 

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there. 

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.
Consumer complaint received 2018-12-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Monroe Credit, LLC (LA)

On Monday XX/XX/2018 my previous employer said that Trenton loans contacted them asking my whereabouts, if they knew I was working. He said they told him I dont need to dodge them. Theyll work with me if I call them and let them know my situation, they said they havent sent anything to collections yet. They told him they wan na try to work something out with me before that happens. They asked for my number, They said that the letter isnt a suing letter its a 10 day notice and they wan na work something out with me so they dont have to send it to collections. 

After this conversation with my previous employer, Trenton Loans called me. The ladies name is XXXX XXXX, she said that they were needing payment. I explained to her that I was unemployed now since XXXX, that Id been evicted from apartment and living house to house, and just gotten out of the hospital from having XXXX on XX/XX/2018. I told her that I had no way to pay them. I told her that I was aware that she had called my previous employer and that she had released all my information to him violating ethical practices for collections. She said that I shouldnt have put him down on the application, I told her that regardless of who I put down, that by law she is only allowed to tell a third party that they need me to contact them. No financial details can be released, they cant even say that they are collecting a debt or that Im behind or that there is a loan, She hung up on me.
Consumer complaint received 2022-03-03
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: ENCORE CAPITAL GROUP INC. (PA)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3100.00} Account Name : MIDLAND CREDIT MANAGEM Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1000.00}
Consumer complaint received 2018-05-15
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. (MO)

Called Experian and XXXX  for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.
Consumer complaint received 2018-12-14
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. (TX)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (WA)

After receiving information of fraudulent charges on my bank account, direct actions were taken to stop the issue. A day later I was contacted by a phone number I could identify as my banks customer service number and when I answered they identified themselves as members of the bank Fraud Department. They disclosed further compromises to my bank account and walked me through a variety of steps in which I never disclosed personal information, rather it was quoted to me to verify. I felt it my be a scam and repeatedly questioned the caller as to authenticity. By XXXX choice I believed what he was telling me and subsequently set up a XXXX recipient to receive a {$3500.00} payment in order to clear my account. The change was supposed to be rejected of course, but it in fact went through I am out {$3500.00}. As it was a XXXX transfer through my bank, they will not stop the charge nor reimburse for the fraud.
Consumer complaint received 2018-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (ME)

I very much prefer to receive a paper copy of my statement from Navient each month as I use it as a reminder to pay my bill. I almost never access my account online but somehow my preferences were updated to only receive email correspondences. Because of this change, I never got my bill in the mail and was not able to pay on time. I have very poor internet service and don't like doing my business electronically. I know that I most definitely did NOT approve or request to have my billing statements sent electronically. I understand that it is my responsibility to pay my bills on time, but my late payment is not what my complaint is about. My complaint is that my account was updated without my approval to a setting that I don't want now or ever. I have since changed it back to US mail, but I am concerned that the unapproved change will be made again. I am extremely irritated by this for many reasons.
Consumer complaint received 2022-03-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-05-15
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. (MA)

XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, TransUnion and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and XXXX
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (ME)

Harris and Harris Collections calls and leaves messages EVERY single week. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and further back. 

When I have answered the phone, they are rude and deny that this debt has been paid. It was paid directly to hospital. They are harassing me and I am done with this XXXX.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (GA)

XX/XX/2023 PNC Bank _________________ _________________, _________________ _________________ Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : I am the owner of account # _________________.

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # _________________ {$2000.00} _________________ _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 
The bank closed my account because if a fraudulent check and the check was a work check and I wasn't aware of it being fraudulent and after it was cashed it was told to be fraudulent Enclosed are copies of the following documents, evidencing the fraudulent activity : _________________ Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 
Please contact me if you have any questions or need additional information. I can be contacted by phone at XXXX. 
Thank you for your prompt attention to this matter. 
This is a XXXX document. Page 1 of 2 Sincerely, ______________________________________
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2022-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, 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 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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 it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
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. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00}
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (CA)

I was notified by XXXX XXXX that someone using my name and SSN had opened an account with BB & T bank in XXXX NC. After some three hours over two days I spoke with people in their fraud Dept. who were difficult to understand and seemed incapable of comprehending the simplest issues such as I was not the person who opened the account and could not just go to the branch to close the account if I didn't know where it was let alone that California is not near North Carolina. 

Also I thought it was strange that they would ask detailed questions regarding MY credit and bank accounts. After I refused to disclose any of that information she said that she could not help me any further. I asked that they send a letter to me confirming that I had informed them that the accounts were fraudulent and that I asked that they be closed, She replied that she could not.
Consumer complaint received 2022-06-18
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)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (FL)

I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized DEBT RECOVERY SOLUTIONS , LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who DEBT RECOVERY SOLUTIONS , LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. DEBT RECOVERY SOLUTIONS , LLC is indicating that an account with the account number XXXX, XXXX, XXXX and was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to DEBT RECOVERY SOLUTIONS , LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 

Violation ( s ) : XXXX Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-06-18
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 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