davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (NY)

I was alert by XXXX XXXX that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX. Account number : XXXX XXXX XXXX XXXX  Account number : XXXX // XXXX XXXX  Account XXXX XXXX Billing Account number : XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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. 




In accordance with Fair Credit Reporting Act, Original creditor : 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. XXXX XXXX XXXX. Account number : XXXX Needs to be updated late needs to be removed.
Consumer complaint received 2023-06-25
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: BARCLAYS BANK DELAWARE (CA)

creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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.
Consumer complaint received 2018-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID
Consumer complaint received 2023-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I submitted a request through AidVantage to refund student loan payments made during the COVID pandemic in XXXX of XXXX. 

AidVantage let me know that the process could take XXXX weeks to process the refund and receive the money for amounts paid. 

I have followed up with the company multiple times. In XX/XX/XXXX I was told this was still in process, well beyond the XXXX week timeframe. 

The last communication I had was in XX/XX/XXXX where I was again told this was in process. 

I know of many others who submitted a refund request and received their refund. I can understand that it may be beyond 10 weeks, but coming up on nearly a year since my request was first submitted is not reasonable.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (NJ)

I have had my credit report frozen with equifax for numerous years. I needed to temporarily lift the freeze with equifax so that a business could run my credit report. Despite having logged into my online equifax account, I was unable to lift the freeze ( either temporarily or permanently ) through the website and directed to call customer service. On two occasions, the customer service representative at equifax tried to lift the freeze and was unable to do so. Ive been told that someone will get back to me about this issue within 72 hours but have yet to hear back. Meanwhile, my application will likely be closed due to not being able to run my credit report from equifax. I honestly dont know how this company can be trusted with our personal credit information.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-07-31
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. (MS)

On XXXX of XXXX I paid my vehicle loan in full to XXXX XXXX, for some time this account has had multiple reporting errors. Upon dispute of these errors in XXXX of XXXX, the E-oscar system obviously provided validation, and transunion and or XXXX XXXX updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to XXXX XXXX who claims that Transunion is the culprit in the matter, and to Transunion that claims that XXXX XXXX is the culprit.
Consumer complaint received 2022-12-04
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: United PanAm Financial Corp. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cr furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I co signed for my brother in law to purchase my deceased mother and father in laws house. They had a reversed mortgage on the home when when passed away. 
I personally do not live on the property. I live an hour and half away from property. I have tried to get the mortgage company NationalStar/ Mr Cooper  to understand I do not live on the property,and I have gave them my mailing address. And I get told they will not send nothing any other address except the one on file. The mortgage company some how changed my address from where I actually live to the house I co signed on.
Consumer complaint received 2022-02-10
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: ALLY FINANCIAL INC. (IL)

I have several items that are reporting negative on my credit report in which I have done the following : 1 ) .XXXX  - showing negative reporting in the amount of {$3200.00} - spoke with their recovery department and was advised that this item was zero in their system and had no idea why the credit bureaus were reporting it 2 ) .XXXX XXXX XXXX- {$2700.00} spoke with their collections and was advised this item is no longer in collections and was removed 3 ) .Ally Financial - {$37000.00} - spoke with their recovery department and was advised this item is not in their system. 
4 ) .XXXX  XXXX - {$1900.00} - spoke with them and they advised me that I do not any accounts that are in a delinquent status no did I have a account in a delinquent status. 
5 ) .XXXX XXXX XXXX XXXX {$3200.00} - this is same XXXX XXXX XXXX for {$2700.00} thats is reporting negative on my credit in which it should be removed! 
The item above are ruining my credit and my chances of trying to buy me a home.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Yesterday my acct # XXXX, at JPMorgan Chase had a balance of over {$55000.00}. Today the balance is XXXX. The bank refuses to tell me what happened to the money I have reason to believe it was stold by an employee named XXXX She also stole my government benefits from social security totally over XXXX usd
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Arco Collection Services LLC (TN)

I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX
Consumer complaint received 2023-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Tower Loan of Mississippi, Inc. (LA)

I called tower loan on XX/XX/XXXX after I pulled my credit report from XXXX and then I called XXXX to find out what was going on why was I showing different things on my report they went one by one of the accounts I had on my credit when they got to tower loan it was 60 days past due and the amount is different every time I make a payment I told the manager its easier to pay on the phone because they are so far I had fell onto hard times and ask to work with me and the manager done a deferral agreement that he told me will put things back on track I have been doing my best paying what I can on the account I call and let them know when Im pay and do my best to keep my word I told the manager what XXXX told me about my credit he told me he never been told they dont report as I was at home my report changed again went down XXXX because of this company I been going through it with tower loan they been doing this to people for years I already reported them to the XXXX nothing was done please investigate this company
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I submitted a loan modification request on XX/XX/XXXX. I continued to send updated documents to SPS and receive a denial letter based on a submission of XX/XX/XXXX. I asked SPS what happened with my submission of XX/XX/XXXX? Per the representative my request for a modification was not reviewed at all. I asked why? And I was told its because I was denied before for incomplete documents and the trustee sale date is too close now. I told them I submitted my loan modification package on XX/XX/XXXX they had 31 days to review all of my documents and they did nothing with my review. I am XXXX XXXX XXXX, I have been in and out of the hospital, and while hospitalized I completed the loan modification application and sent it from the hospital and they did nothing with my documents for 31 days.
Consumer complaint received 2023-06-29
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. (MN)

The following hard inquiry currently listed on my XXXX XXXX, Experian, and XXXX credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023
Consumer complaint received 2019-06-13
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. (GA)

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (TN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason XXXX Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding
Consumer complaint received 2023-06-26
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: SYNCHRONY FINANCIAL (TX)

Hard credit hits on my credit from XXXX XXXX, XXXX/XXXX  and XXXX XXXX  XXXX XXXX 

ALL NOT ME. 

PLEASE HELP ASAP
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX Subject : Request to Remove and Block Fraudulent Information Under Section 605B of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to inform you that I have been a victim of identity theft. This letter is a formal request pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, to remove and block all information from my credit report that resulted from fraudulent activities conducted by an identity thief. 

Please note that some of the fraudulent accounts or inquiries may list names and addresses that differ from my own. These discrepancies are a direct result of identity theft. The name and address deliverable to me by the United States Postal Service ( USPS ) are as listed at the beginning of this letter. For verification purposes, I have included copies of documents that prove my current residence, such as a utility bill and a government-issued identification card. 


To assist you in identifying the fraudulent information that needs to be blocked from my credit report, I have provided below the details of the accounts and inquiries that were not authorized by me : Enclosed with this letter are copies of the following documents, which support my claim of identity theft : XXXX. XXXX XXXX a. Account Number - No Account Number -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$20000.00} XXXX. XXXX a. Account Number - -Theft 605 b and account number Not fully listed or accurate Violates FCRA Please Block and Remove b. Date Opened - XX/XX/XXXX XXXX Balance- {$3000.00} A copy of my identity theft report or a police report indicating that I have been a victim of identity theft. 

Proof of my identity, which includes a copy of my government-issued ID and a utility bill showing my current address. 

A list of the fraudulent accounts and inquiries ( listed on the other Letter ), as mentioned above.

Under Section 605B of the FCRA, I request that you remove and block the aforementioned fraudulent information from my credit report within four business days of receiving this documentation, as mandated by the Act. Furthermore, please cease reporting the blocked information to any other credit reporting agencies.

I also request a written confirmation from your agency once the fraudulent information has been removed and blocked from my credit report. This confirmation will help ensure that the integrity of my credit information is restored and maintained. 

Thank you for your prompt attention to this serious matter. I trust that your agency will take the necessary actions as required by law to assist me in resolving the issues caused by identity theft. 

Should you require any additional information or documentation from my end, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email ]. 

Sincerely,
Consumer complaint received 2022-10-10
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (IL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.