davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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 am XXXX XXXX XXXX, around XX/XX/2020. I extended my credit to XXXX  XXXX for the purpose of obtaining a credit card, XXXX  XXXX  has committed fraud with my personal information, I have sent XXXX  XXXX a notarized affidavit of truth as well as a cease & desist. I have certified receipts for each time XXXX  XXXX accepted your documents, yet this company has ignored my legal demands. I AM seeking civil liability, because XXXX XXXX has violated THE FAIR CREDIT REPORTING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FEDERAL PRIVACY ACT.
Consumer complaint received 2020-07-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i purchased a vehicle through XXXX XXXX XXXX company. When going over the financing application i spoke to a representative from XXXX they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. XXXX XXXX XXXX targets committees of XXXX lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This XXXX organization needs to be held accountable for their lies and deception
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: First Credit Services Inc. (OH)

On XX/XX/XXXX I contact First Credit and agreed to pay the outstanding debt of {$120.00} from XXXX, even though I disputed it, because I needed my credit bureau updated to get a loan. This debt is one of the reasons I was denied. They refused to remove it, even if I paid. Upon receiving the validation of the debt, I discovered that the last payment made was XX/XX/XXXX. Therefore, after 7 years, this debt should have been removed from my credit report. I complained to the company. They didn't respond. I filed a complaint with the XXXX XXXX XXXX and the company 's response was that the statute of limitations in Ohio was 8 years and that they were going to continue to report it because they had been trying to collect it for several years. Regardless of whether or not I have paid or not, they are obligated to remove it from my credit bureau after 7 years, even in Ohio. I verified with the Attorney General 's office that this is correct. They may be able to continue to try to collect ( I don't know I haven't looked into that ) ... but they need to remove it from my credit reports ( all three ). They are refusing and violating my rights over {$120.00} because I have ignored their collection calls for years.
Consumer complaint received 2022-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I analyzed my credit report, I discovered that there are inaccurate information. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX
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: Experian Information Solutions Inc. (CA)

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. 
Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX # XXXX, Account name : 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 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 2024-01-31
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. (NC)

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 data is inaccurate.
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: EQUIFAX, INC. (NC)

Section 611 ( e ) of the Fair Credit Reporting Act : Federal Trade Commission Program Referring Consumer Complaints About Possible Act Violations To The Three Nationwide Consumer Reporting Agencies, and Securing Complaint Resolution Information From Them : Tags : Privacy and Security. Credit Reporting.Dec 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 Reported : XXXX XXXX, XXXX PLEASE DELETE THESE ACCOUNT FROM ALL THREE NATIONWIDE CONSUMER REPORTING AGENCIES
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission.
Consumer complaint received 2019-05-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Student Loan Center (NC)

Was contacted by Premier Student Loan Center by phone on or around XX/XX/2018 stating they were able to provide a simple payment plan for me of {$230.00} for five months then payment plans of {$40.00} until full student loan was paid off. 

First debit of {$230.00} was taken out of my checking account ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XX/XX/2018, XX/XX/2018 and the last payment of {$230.00} was taken out ( via debit card ) on XX/XX/2018. 

First debit of {$40.00} was taken out of my checking ( via debit card ) on XX/XX/2018. Payments made on XX/XX/2018, XXXXXX/XX/2018 and the last payment of {$40.00} was made XX/XX/2018. 

I realized that Premier Student Loan Center was not in any way connected with the Federal Loan Department and stopped payment from Premier Student Loan Center and changed my debit card number.
Consumer complaint received 2017-09-09
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)

Equifax was hacked on XXXX XXXX 2017 and my personal information is now out in the public. I have gone to equifax.com and received an enrollment date for my fraud protection service but I am worried that my identity is already out there as I am not allowed to enroll until the XX/XX/XXXX. I  need to rectify this situation immediately and am not affected for the rest of my life and expect to be compensated fairly for all protection services.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

My current mortgage account balance with Shellpoint mortgage on my credit report shows as {$210000.00} when my actual current balance is {$190000.00}. Additionally, my original loan was only {$200000.00}. I have disputed this information, and it was not updated. My balance history is also wrong. I have attached my account history from last year into this year.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

My daughter has a XXXX  checking account that was to be converted to a stand alone account. Chase never separated the accounts and someone gained access to her account through my account. I was a victim of a scam but had no money for them to take. Had chase separated the accounts like we requested they would not have had access to her account. The scammers not only got away with one transaction over her spending limit but two. Per XXXX XXXX XXXX XXXX around XXXX XXXX  she said this is not chases problem. The withdrawals happened XXXX. I called chase within 5 minutes of the problem. I also would like to tell you about XXXX since I was trying to call them when scammed. I called them to advise them of what happened and they informed me that they know about the scam but it is not there problem as well. I question, why is it ok for a company to be aware of a scam attached to there name and not take steps to protect there customers?
Consumer complaint received 2020-11-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (CA)

I applied and got a mortgage from ATHAS CAPITAL located in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2018 and was given a 6-month bridge loan on my primary residence. 
1st complaint is ATHAS CAPITAL during the loan process did not give me a set of disclosure outlining the terms of the loan for me to compare to loan documents. 
The loan had a balloon rider, but also had a 10 % penalty of the total loan amount which equates to {$55000.00} for the being late refinancing. That took away 10 % equity of my home along with a default interest rate of 18 %. This was never disclosed to me or I would have never signed the loan. I also asked for a copy of this from them and told me they did not know what I was talking about. They made me sign disclosures via docusign in which they did not allow me to have a copy as they left out my email. This is criminal. I want a copy of the disclosures I signed for lawsuit purposes and I want to see if they can corroborate the same loan terms in loan docs than in disclosures. 
2nd complaint is after default I was asked to figure out how to refi or apply for loan modification. I immediately filled out loan modification paperwork and 1 month later after the XX/XX/2018 default I was denied the modification due to the fact they do not offer loan modifications and used the time to file NOD. This was deceptive business practice and I want an investigation of this company ATHAS CAPITAL and XXXX XXXX for steering and loan products that produce the stealing of homes of senior citizens. I am a XXXX XXXX XXXX man.
Consumer complaint received 2023-02-05
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. (IL)

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate past due balances violation to Metro 2 PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Security fin 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED - Also Never received 1099 C?
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
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: Experian Information Solutions Inc. (DE)

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, XXXX, and XXXX on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have experian, XXXX, and XXXX remove 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  from my credit reports .
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by XXXX immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

I opened a checking ( account # XXXX ) and saving account with First Citizen Bank on XX/XX/XXXX with a promotion below : " Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening Enroll in eStatements Open a new savings account I called the customer service back in XXXX and confirmed that the promotion code was successfully applied in my application, and later I completed 10 debit transaction by XX/XX/XXXX. It has been more than 120 days since I fulfill all the requirements, but I still don't see the bonus posted in my account. 
I contacted customer service, but they still don't provide any useful information. Here 's their reply : " Our promotions department is currently reviewing accounts opened during this promotion. Unfortunately, we do not have a time frame on when the credit will be applied to your account. ''
Consumer complaint received 2017-09-09
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. (SC)

Equifax did not secure its network and now my financial information has been compromised. No aleet until weeks after an had to hear it from the news. Not sure why this company should even get my information and then tries to scam me with credit monitoring services.
Consumer complaint received 2022-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

This is a long story, I do not know where to start. In XX/XX/XXXX I started the loss mitigation process with my insurance company, XXXX XXXX. They than sold my mortgage to Loan care which is the worst insurance company I have ever had to deal with! So from XX/XX/XXXX all the way until XX/XX/XXXX, I have submitted a loss mitigation packet every month. Every week I would call to follow up on the progress and they would tell me its with the underwriter and everything is just waiting to go through and than when that 30 days is up they would deny as missing paperwork that was previously sent and now they need all updated information. I have done this now for the past 11 months now. It is like the mortgage company just shuffles my paper work around and than denies it for missing information that had been previously sent. I have tried to contact my point of contact that never returns my calls. I would get reps that seem like they want to help and than they would disapper and/or not open my email. I had to end up claiming bankrputy because of this company! I could not afford the amount because of a lay off and I ended up getting so behind that I had to file chapter XXXX so I could save my house and now I am paying my mortgage and than some and can't even afford food for my family. I would recommend for someone to never use this company and they should be looked into.