davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
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. (IN)

PROBLEM WITH TRANSUNION NOT REMOVING INCORRECT PAYMENTS. XXXX XXXX XXXX VIA MY XXXX ACCT. I WAS ENROLLED WITH OUT MY KNOWAGE CREDIT ACCT, NEVER BILLED, WHEN I DICOVERED THIS I CONTACTED XXXX, THEY REMOVED THE REPORTING. THE OTHER TWO REPORTING AGENCIES REMOVED THE REPORTING, XXXX, XXXX. TRANS UNION REFUSES TO CORRECT THE UPDATED INFORMATION. I NEED IT REMOVED, THANK YOU
Consumer complaint received 2017-08-02
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: EQUIFAX, INC. (AL)

There are a number of inquiries on my credit report from companies I have no knowledge of. I have reached out to the creditors as well as the credit bureau in regards to removing the unauthorized inquiries and I have received no help in resolving the issue. I have a complete list of the inquires that I do not recognize or believe to be mine.
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. (MI)

I have one legit account with XXXX XXXX Credit card company. 
There is a second one that is not mine. 
I have notified TransUnion twice and disputed. 

They reply its mine and it is not.,
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Complaint alleges that by failing to XXXX these accounts from fraud and failing to address claims in a timely manner, Bank of America violated the Florida Consumer Privacy Act, Florida Unfair Competition Law, and Regulation XXXX of the federal Electronic Funds Transfer Act ; cardholders ; failed to warn Account and cardholders about the risks associated with its Security issues my email texts about accounts and debit cards ; and negligently among other violations of law. 

Due to the bais experience with trying to reach out to the above banking institutions to address the account where obtain during fraud and Banking institutions failed to provide safeguard to consumer information consumer do not authorize no to open or obtain a Banking account
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

N accordance with the Fair Credit report Act XXXX  account XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also Stata consumer reporting agency can not furnish an account without my instructions
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have attempted to have TransUnion verify public record information that appears on my report. I did not authorize and party or 3rd source to place public record if any to my report. I have reviewed my report with TransUnion and show that they continue to list a public record item on my report that has not be verified with original source. Also, I am aware of their XXXX automated verification system that does not comply per the FCRA law that such a system is considered a viable verification source. I am requesting deletion of stated public record reference number XXXX Circuit Court with no date of file for amount of {$69000.00} to be deleted from my TransUnion report due to not verified with original source and 3rd party does not consent to request information as such to be placed on my report. Also, per investigation I am requesting a copy of any documents bearing my signature of public record that show that stated amount is in fact a legal to collection or owed. If stated account is not verified bearing my signature within 30 days of compliant for investigation per FCRA it was be deleted.
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: EQUIFAX, INC. (TX)

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 XXXX : XXXX XXXX Account Number: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 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. (NC)

A few months ago I was checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC As require by FCRA sect. 605 ( b ) any information reported as fraudulent should be removed from the consumer credit file in 4 days. Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FTC violations never lived here : XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX {$0.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$8300.00} XXXX  XXXX {$0.00}
Consumer complaint received 2018-02-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (NY)

RMS ( aka Reverse Mortgage Solutions, XXXX, TN ) periodically tries to find ways of putting our contract in foreclosure. Most recently an attempt was made to justify this behavior by claiming that our home had been uninsured. First we where asked to prove that we had hazard insurance. Have you ever heard of homeowners insurance that didn't include hazard insurance? Our insurance company supplied the necessary proof. 
Then they came back with the claim that we weren't insured in XX/XX/XXXX. Again our insurance agent supplied the necessary proof. 
Two weeks later we received a certified letter informing us that we were now in foreclosure. 
We contacted the mortgage company on a conference call with our insurance company who informed RMS that they had sent all relevant proof by fax. The relevant proof has been sent again. It should be noted that the foreclosure document is dated XX/XX/XXXX. It was received XXXX. 
It made no sense to us the RMS would try to foreclose on an insurance detail that occurred in XX/XX/XXXX and that had never before been raised as an issue. 
This company has demonstrated a pattern of creating pretexts for harassment. 
It needs to be stopped and brought to the attention of relevant regulatory agencies.
Consumer complaint received 2022-08-17
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Account numbers : XXXX. XXXX - XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

SLS states change to update the information on the XXXX tax form 1098 was made at my request. See attached SLS_XXXX SLS CAN NOT locate this request. See attached XXXX XXXX XXXX SLS claims " the tax form was updated to reflect the correct ending principal balance. See Id.. Note : Both the original and " corrected '' forms show {$66000.00} as " beginning principal balance. '' Both forms show " amount paid '' as {$66000.00}. See attached XXXX XXXX XXXX  ( original ) and SLS_XXXX ( altered XXXX Form 1098 ). Please forward the servicing notes for XXXX and XX/XX/XXXX explaining how {$66000.00} minus {$66000.00} equals something other than XXXX.
Consumer complaint received 2020-07-24
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. (TX)

FTC violations never lived here : XXXX XXXX XXXX # XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX {$0.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX # # # # # # XXXX {$8300.00} XXXX  XXXX {$0.00}
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 — Account information incorrect
Company: Atlanticus Services Corporation (FL)

XXXX misrepresented the cost of its equipment, and is using its relationship with Fortiva to get the benefit of a credit provider ( i.e. file reports with the credit bureaus ), while avoiding scrutiny of its fraudulent actions. XXXX claims that it is only a provider of home security, and has nothing to do with Credit Reports. But, for all practical purposes, Fortiva is an arm of XXXX. Once XXXX sends an account to collections, all bets are off. XXXX will only communicate with customers who continue to XXXX payments on fraudulently obtained accounts. On XX/XX/XXXX I agreed to installation of XXXX security equipment in my small home, and monitoring thereof. On its own initiative, XXXX referred the transaction to Fortiva for financing. I later discovered that XXXX drastically overcharged me ( {$3400.00} for a home security bundle ). While the Purchase and Service Agreement, and Schedule of Equipment and Services show {$3400.00} due, because I had existing equipment from a prior home security service, the Schedule of Equipment and Services also shows the total number of pre-installation equipment was XXXX, and the total post-installation equipment number was XXXX. Based upon the email with the price list that I received on XX/XX/XXXX from XXXX XXXX, Legal Assistant - XXXX XXXX XXXX XXXX XXXX, XXXX North XXXX West, XXXX, UT XXXX ( XXXX ), the actual total cost for the equipment that XXXX installed in my home is {$1600.00}. XXXX charged me for equipment that was already installed in my home by the prior home security service provider. She had no explanation for why I was required to pay more than twice the amount for the equipment that XXXX actually installed. Nonetheless, she told me that this dispute was between me and Fortiva alone. In a XX/XX/XXXX email, Fortiva told me to contact XXXX and advise the store to initiate a refund request if you find a discrepancy in your transaction amount. Fortiva explained that Fortiva is " only a financing option for XXXX XXXX XXXX. '' Fortiva advised me to contact XXXX for specifics regarding merchandise. I am filing this complaint against XXXX and Fortiva because my account was sent to collections, and a major derogatory note was added to my credit report. Fortiva refuses to remove it unless I pay Fortiva the claimed amount that Fortiva allegedly paid to Vivint on my behalf. XXXX ceased to provide monitoring services and refuses to further communicate with me, other than to tell me that the account is in collections, and only Fortiva can provide relief after an account is sent to collections. XXXX intentionally sent my account to collections to avoid dealing with me, and place me in this never ending loop of finger pointing, while my credit is being destroyed.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (DE)

I filed for chapter XXXX bankruptcy and the bankruptcy included my student loans. The judge reviewed my hardship And verified my documents to prove my inability to pay the student loans. 
I notified XXXX XXXX XXXX and they refuse to honor the student loans included in my ch XXXX bankruptcy and sends me notices every month. My bankruptcy was discharged XX/XX/2018. My bankruptcy number is XXXX Delaware bankruptcy. XXXX XXXX and XXXX  deleted XXXX XXXX XXXX from my credit report but Experian wont delete it. I can not afford $ 1798 month repayment. I get fired all the time. I gave this evidence to the judge. I have to work low paying jobs. Not earning anything near what my credentials are. This is related to XXXX XXXX. This was proven to the judge and he gave me and my family, mercy and included the XXXX XXXX, in ch XXXX bankruptcy. Please help me. I been battling this for two + years now. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MT)

I have a mortgage in good standing, which was sold to PNC Bank. Part of each payment is held by PNC Bank for Tax and Insurance Escrow. The escrow is set up by our choice, it was not enforced by the loan type. We have been escrowing for a number of years, but now I want to stop the escrow service. I submitted this request in writing and rcvd a response form PNC Bank requiring to pay {$340.00} by check to them as Escrow closing fee. 
Only after that they will refund the escrow balance of approx. {$2000.00} to me. I have never heard of charging a substantial fee to STOP providing the service. I have worked with local banks before and they have not charged anything to stop the escrow service. It seems that PNC is just abusing their power over the borrowers by making it extremely expensive to release cash they are holding on our behalf. It is banking 101, that the bank wants to keep as much cash as possible to leverage it for the lending and make higher profit. 
I called PNC Bank to complain in XX/XX/XXXX. PNC employee said there is nothing she can do about the fee, it is just a fee that everyone has to pay, but she would file a complaint. I have not heard bank as of today XX/XX/XXXX.
Consumer complaint received 2023-04-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (CA)

XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Phoenix Financial Services LLC (FL)

XXXX Calls my phone and says has lower interest rates available for me on my credit card. I have hung up on several times but called back today and person who answered said was a private number XX/XX/XXXX XXXX called 2 times XX/XX/XXXX When you call back says number not in service XXXX call rejected when try to return call called 4 x XXXX XXXX XXXX called XX/XX/XXXX If you call number says not working number XXXX called 2 x on XX/XX/XXXX called 1 on XX/XX/XXXX XXXX Phoenix Financial called 2 x XX/XX/XXXX called 2 x XX/XX/XXXX
Consumer complaint received 2020-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (WA)

Trying to set up bill payment to pay for utilities and credit card balance. Every time I try to do that, the Ally bank website won't load and pulls up a blank page. I escalated over 3 calls and multiple chat sessions and no one is able to resolve the issue. I was told this is a 'known issue ' and they are looking into it. No one is following up or reaching out even though my bill is coming due.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NJ)

I have been requesting information and attempting to dispute a credit card that is falsely on my credit report, every time they say they can not locate my information and they need the full account number which I do not have I only have whats on my credit report therefore they couldnt help me. After numerous attempts I was told I would need to contact XXXX XXXX XXXX and was given the address to write. I was never notified of this debt and have requested validation numerous times with no response.. A collection agency XXXX XXXX XXXX has filed a judgement against me on behalf of American Express after attempting to contact for 2 years, with no response. The reason I reached out was because I saw the debt on my credit report and I am unaware of this credit card on my report. The debt is through American Express for {$11000.00}. I do not have any outstanding debt and have never had a credit card with a higher balance than {$3000.00} so this it absurd to me.