davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BARCLAYS BANK DELAWARE (CA)

I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees. 
My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address. 

They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Strategic Alliances, Inc. (FL)

In early XX/XX/2016, I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX Florida. I returned the car on time, and paid all rental charges. The employee at the rental car did a walk-around and confirmed that there was no damage to the car. Approximately 30 days later, XXXX   insisted that I had caused {$640.00} dollars in damage to the car, which I did not. I have been through 3 different collection agencies for XXXX, and XXXX itself, consistently disputing the claim. The most recent collection agency, XXXX XXXX, sent a demand for payment two weeks ago on a claim that they know is invalid. They also sent a false credit report on the claim to XXXX. I have refused to do any business at all with XXXX  since this incident, choosing other rental car businesses.
Consumer complaint received 2018-03-07
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. (AZ)

I have two collections on my Experian credit report that are erroneous. They are from : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX These are medical collections that are not valid. I don't even know what they are doing there. I have no clue what they even are. I want them removed immediately.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Double Reporting Inaccurate collections
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

US Collections West sent paperwork to my employer to start garnishment of wages on a debt of {$1900.00} on XX/XX/2019. The Debt in question is not mine and I filled a motion with the judge on XX/XX/2019 to vacate the judgement. On XX/XX/2019 the judge ruled that the debt was not mine and ordered a stay of the garnishment and a release of all funds. I called the Collection Agency on XX/XX/2019 and was asked to call back. I called back on XX/XX/2019 and was transferred to my case manager XXXX XXXX. I asked when funds would be released and he stated funds would not be release because the judgement was invalid and they were not served. He then said I would have to take them to court because they were not releasing the funds. I would like to know why US Collections West is not following the court order and keeping the money wrongly garnished from my paycheck. I understand they have a client to protect but they are coming after the wrong person. I submitted a complaint to the XXXX and they are saying they have no knowledge of the court proceedings. I have sent them several copies of the court documents.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I requested Equifax investigate XXXX negative tradelines via a certified mail receipt requested and they opened the investigation on XX/XX/2021 with an estimated completion date of XX/XX/2021. Not only did Equifax not complete the investigation by the XXXX, but the lender XXXX only marked the XXXX accounts as " customer disputes - investigation in progress '' days after the 30 day dispute window expired.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: One Source Technology (OR)

I have NEVER used the last names, XXXX or XXXX. I have ALWAYS used the last name XXXX. Please discontinue listing XXXX and XXXX as names I have used. I never had any ID or documents using the last names XXXX or XXXX. My driver 's license and passport have always listed me as XXXX. For every job and credit, I have used XXXX. 

In XXXX my traffic speeding ticket was listed as a TRAFFIC VIOLATION REPORT. 
Why is this listed in XXXX AND XXXX as a XXXX  REPORT? This overstates and alarms people. Can you reflect this is a XXXX VIOLATION? 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-31
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. (FL)

Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax is reporting a bankruptcy on my credit report that is not accurate. I never filed Bankruptcy. EVER!! This must be tied to the Equifax breach from last year or something. Equifax is the only credit report that is showing this on my credit report. The docket number shows as XXXX and filed on XX/XX/XXXX and reported on XX/XX/XXXX. How is this possible? I even did a search of the court records with my social security number and no bankruptcy was found.
Consumer complaint received 2017-08-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (MD)

Initially when I got out of college me and my cosigner were harassed and then while I was struggling my mother agreed to help me out then we learned about forebearance forms a year after and we used those to help me buy some time and ease the burden off of my mothers payment. We asked if we could lower my loan payments and it was met with we need to pay a certain amount to lower my payments. Now fast forward to around XX/XX/XXXX/XX/XX/XXXX we finally got access to lower our payments and put into this 13 month program and we talked to mycosigner and me and my mother were told that we will be paying on my debt and now the phone calls have stopped but we are still getting mail from navient saying we owe more money.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Global Credit & Collection Corporation (CA)

XXXX XXXX XXXX {$3200.00} and client disagrees. She reports that she does not owe XXXX. 
Creditor is XXXX, XXXX Account Card number : XXXX XXXX Global Credit and Collection Corp. Global ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Illinois XXXX XXXX XXXX Credit Card Account number ... ... XXXX XXXX XXXX issued a refund check {$110.00} on XX/XX/XXXX but she was not able to cash it. Check XXXX Phone number : XXXX. The client was informed by her bank, XXXX XXXX, that the refund check was returned unpaid. A stop payment was done onXX/XX/XXXX # XXXX. 
Client reports that she had a Life policy insurance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Policy Number : XXXX and XXXX Toll free Number XXXX.Client was informed that the cash value {$4000.00} for each and on XX/XX/XXXX,  the company sent you paperwork to fill out to cash the value. The client filled out the paperwork and she had it notarized by XXXX ... XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , California . The client sent in all the paperwork that was requested and the company sent her a letter stating that the insurance policies had lapsed.
Consumer complaint received 2021-06-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

XXXX, 2018 I sold my condo, OCWEN was the original mortgage holder and now it has transferred over to XXXX. Although my home was sold in 2018 the mortgage company never reported my payoff and closed account to the credit agencies. When ever there was a late payment they had no problem reporting late payments but because I was cover by a XXXX, I never added my home to the bankruptcy list of creditors because I was still paying OCWEN monthly up until I sold the condo. I never knew that it was not reported because I had no reason to check my credit until recently, in which I notice that OCWEN who is now PHH did not report. I sent several notifications to PHH notifying them that this may have been overlooked and if they could please correct. PHH responded that my account was paid in full and closed and they will not report to any credit agency but will provide a letter stating that I sold my property.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

On XX/XX/2022 my husband and I submitted Complaint XXXX to our mortgage loan company, FREEDOM MORTGAGE. 
On XX/XX/2022, we received a Closed with explanationresponse from XXXX XXXX XXXX, Manager Customer Service at Freedom Mortgage XXXX ( XXXX XXXX XXXX XXXX, XXXX, Mt XXXX XXXX, NJ XXXX ), but still there are some issues that have to be corrected in our Freedom Mortgage Customer Portal : -at the 2022 Payment History, XXXX ( Ref # XXXX, {$1700.00} ) and XXXX ( Ref # XXXX, {$1700.00} ), are not listed (? ). 
-the payment for the month of XXXX was {$1800.00} ( Ref # XXXX ). 
XXXX XXXX  response stated : Your new monthly payment effective XXXX, XXXX  will be {$1600.00}. Unfortunately, the information at our customer portal has not been updated/corrected and we had to pay {$1700.00} for the month of XXXX ( Ref # XXXX ), and {$1700.00} for the month of XXXX ( XXXX # XXXX ). 
-the surplus check of {$450.00} was paid back to Freedom Mortgage to cover any escrow inconsistencies ( Ref. # XXXX ). 
-regarding XX/XX/2022 payment, it still shows the amount of {$1700.00}. 

Only when these issues are properly addressed/corrected, we will consider it as Closed.
Consumer complaint received 2021-06-23
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. (FL)

On XX/XX/2021 I mailed off dispute letters to each of the credit bureaus and after 45 days XXXX use the only on that reached out to me with updated info.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SERVICEMAC, LLC (TX)

The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with ServiceMac numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by ServiceMac 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. XXXX Equifax XXXX and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXX bankruptcy XX/XX/XXXX and XXXX XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;