davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-28
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)

XXXX TransUnion XXXX  is not complying with my dispute requested i sent them a letter on XX/XX/2021 and XX/XX/2021 my first initial dispute i havent heard back from them it been 30days and on the XX/XX/2021 i send them 30 day demand to comply and they still have not responded
Consumer complaint received 2022-02-15
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Recovery Solutions LLC (TN)

On XX/XX/XXXX, I received a phone call from Atlantic Recovery Solutions stating that they were calling to collect on a debt that is owed to XXXX XXXX. I paid this balance to XXXX XXXX XXXX in XX/XX/XXXX after they contacted me saying that they had purchased the debt from XXXX XXXX and were now owed the debt. Every month I have had random companies calling harassing me for this same debt and I want to know why XXXX XXXX has sold this debt to all of these companies. Half of the companies that have called me can not be verified and Im worried who has my info ( social security number, date of birth, etc ). I have received calls threatening a lawsuit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and now Atlantic Recovery Solutions. Why do companies keep calling me about this debt when it has been paid? I explained to representative with Atlantic Recovery Services that the debt had been paid and he told me that I did not pay. He then proceeds to argue with me and tell me he hopes I enjoy the phone calls. No, I do not enjoy being harassed! I have the paid in full letter and bank statements that show where the money came out of my account. I will not be paying the debt again. Stop contacting me.
Consumer complaint received 2022-09-27
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. (CA)

All of these are thru XXXX XXXXXXXX XXXXXXXX  Inquiry : XXXX XXXXXXXX XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX + Credit Unions XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions XXXX XXXX XXXX XXXXnquiry : XX/XX/2022 + XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2022 + Credit Unions XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX  + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Consumer complaint received 2019-06-28
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. (FL)

Ive noticed that after I dispute some information the Credit Reporting Agency ( XXXX, TransUnion, XXXX ) like to leave comments on each account.

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career.

I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.
Consumer complaint received 2021-05-11
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: BARCLAYS BANK DELAWARE (NY)

There was an Unauthorized inquiry from Barclays Bank furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and Barclays about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. Barclays has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;
Consumer complaint received 2021-05-11
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. (FL)

Trans union does not provide due process when I initiated a dispute. I initiated a dispute with transunion XX/XX/2021 and they closed it XX/XX/2021 without submitting it to XXXX XXXX. And the reason they avoided due process is because the computer picked up dispute as being the same. I spoke with felicity in the credit department and she assured me the 30 day late in the month of XX/XX/2021 would be removed. Transunion is supposed to provide me with the steps they took to investigate my dispute. XXXX understands I was XXXX positive. I had a stop payment connected to my accounts that shouldnt have been placed in the month of XX/XX/2021. didnt know whether I would be alive XX/XX/2021 but I made it. My power of attorney paid all my bills. XXXX at XXXX XXXX understood this. I reached out to Transunion to start the dispute and they refused to contact XXXX at XXXX XXXX to determine how XXXX XXXX would accommodate me the month I was XXXX XXXX positive and trying to live. Transunion hasnt taken the correct steps up with XXXX XXXX So my credit report can reported correctly.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America failed to pay my escrowed taxes that were due XX/XX/2022. I contacted them on XX/XX/XXXX, when I was notified by my town that my taxes were unpaid and had accrued a late fee. They opened up a case and I assumed the taxes would be paid immediately along with the late fee. I followed up with several phone calls after that and was told it was being handled. I then received another letter from my town along with an additional late fee early XXXX that taxes were still unpaid. I called Bank of America and was able to get through to a supervisor on XX/XX/XXXX who told me she can not confirm when the taxes would be paid because they still had not gotten any response back from their escrow/tax dept regarding my case. I now had incurred 2 months worth of late fees and asked her to have me removed from escrow and I would pay the taxes myself. She told me this was not a problem and would remove me immediately and I would have my escrow refunded to me in a couple of weeks. There was over {$4000.00} sitting in my escrow and I had to come up with other money to pay my taxes. I find out today ( XX/XX/XXXX ) that the bank sent out a check for my taxes on XX/XX/XXXX to my town. I paid the taxes on XX/XX/XXXX and told them NOT TO PAY MY TAXES. The town will be receiving a duplicate payment and by law has to return the Banks check to them because they paid second. They also did not even send late fees with their payment. Bank of America said I need to keep an eye on my account for when the amount gets refunded from the town back the mortgage account and then only to call and ask for an escrow analysis before they can give me any of my money back. This is Unacceptable! We are hard working people with a child in college. I had to come up with more money to pay my taxes when they already had my money. There is no mention that I will be even getting back the late fees I paid that they incurred! This would have to be a whole different request. I have paid off a couple of other mortgages in the past with other banks and this has never happened. Someone should be held responsible as they should not be allowed to get away with this.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Im contacting you regarding predatory behavior of NewRez /Shellpoint who fails to provide me with Payment Deferral Option for my covid 19 forbearance payments to be applied to the back of the loan. 

I contacted them numerous times and was promised by their agent to include Payment Deferral Option in the agreement but the agreement was never corrected to reflect this option. 

My Covid 19 forbearance ends XX/XX/22. I am able to resume monthly payments. As of today, and despite of their previous promise, the Servicer declined to proceed with Payment Deferral Agreement ( to Extend the term of the loan for the number of months the loan has been in forbearance ; ) Attached in exhibit A is a public announcement by FHFA stating that the Servicer is OBLIGATED to provide Payment Deferral Option for Covid Forbearance payments. New York State Law 9 ( x ) equally states that Servicers are obligated to defer Covid 19 forbearance payments to the back of the loan. NewRez/Shellpoint found a loophole not to comply with New York laws ( while servicing New Yorkers ). 
Please investigate.
Consumer complaint received 2021-05-11
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. (CA)

The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2016-07-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (AL)

I need your assistance in helping me to get this Amsher Collection account remove from my XXXX Credit Report. This account is not mine. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified XXXX along with Amsher Collections.
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (CA)

1. The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates.

I wanted to provide some information i found in the Fair Credit Reporting Act for the credit reporting agencies I'm making this complaint about.

I DID NOT CONSENT TO, AUTHORIZE, NOR BENEFIT FROM THE INQUIRES IVE LISTED IN THE FTC REPORT I HAVE PROVIDED I HAVE ALSO PROVIDED PROOF OF IDENTIFICATION.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYS INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have multiple mortgages with XXXX and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years. 

This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment. 

Thanks
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have unauthorized inquiries on my report and would like it to be removed, If you can not provide proof such as a signature in writing form stating that i authorized these accounts & inquiries according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed immediately it is not XXXX  compliant or meet XXXX  requirements, Please remove items immediately!!
Consumer complaint received 2022-01-21
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 60 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 2022-01-21
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. (GA)

Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( XXXX, XXXX, and TransUnion ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Consumer complaint received 2021-05-11
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. (MO)

I contacted the Transunion Credit Bureau by mail about incorrect information being contained in my credit report after having already contacted the creditors to have the information removed and never hearing back from them in over a month. I recently called to check on the status of removing the incorrect items from my report and they communicated they would not remove the items even though they may be incorrect. They have not tried to verify the information on my report and will not contact the creditors on my behalf to have the information removed.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TN)

A Victoria Secret account was opened with my information.

I sent letters, spoke with multiple agents and nothing changed the status.

I was harassed to admit that this account was my account and it is not.

Victoria Secret has not only harassed me, but caused severe anxiety and has also made it hard for me to purchase anything because of this delinquent account that has reported for 23 months. I have NEVER opened an account with Victoria secret
Consumer complaint received 2022-01-21
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: AMERICAN HONDA FINANCE CORP (NY)

On XX/XX/2018 an Auto loan was opened under my name with American Honda Finance without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and XXXX already. I was informed to file CFP report.