davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (CO)

XX/XX/2019at XXXX received a call from XXXX the man on the phone asked for my brother's phone number and address with no context. When asked what company/reason for calling the answer was "Alltran Financial and personal business matter"  The man gave me his contact info: XXXX XXXX XXXX ext. XXXX
Consumer complaint received 2022-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Credit acceptance is reporting as XXXX accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX co there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

acceptance now account is inaccurate across XXXX reporting agencies
Consumer complaint received 2022-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/2022 I opened an account with Venmo just to receive a pay advance from my boss due to a snowstorm planning to hit our area. He sent the money through Venmo. It wouldn't allow me to cash it out on an approved card so I attempted it a few more times unknowingly that was the problem and it froze my account. Now I am in that same vulnerable situation of no money just because I utilized Venmo. I replied to the automated email but it takes them XXXX days to look at your account and for it to be worked on. My money is now XXXX with them with no explanation and me and my family are now looking at being exposed to the elements because that money was the money to assist us. I hope I am still alive after posting this, thank you.
Consumer complaint received 2022-11-19
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. (IL)

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  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX A Account # XXXX has violated my rights.

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

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (UT)

I received a debt collection notice about an old debt that was included in bankruptcy and confirmed by the State of Oregon. I did not even know that I still owe the debt
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (PA)

I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

Experian accounts - XXXX {$16000.00} XXXX XXXX XXXX {$7400.00} XXXX hard inquiries - XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-04
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. (NY)

This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.
Consumer complaint received 2018-10-29
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. (AR)

Back in XX/XX/XXXX I sent TransUnion a dispute letter asking for them to verify some negative items on my credit report from a higher standard than a computer generated inquiry, or third party association. I informed TransUnion, that if for any reason that they verify any of the disputed items as being accurate, that I want them to provide me the original documentation that I signed, pursuant Section 609 of the Fair Credit Reporting Act that states the creditors must provide the Credit Bureaus a copy of the original documentation. TransUnion received my dispute letter on the XX/XX/XXXX on a Friday, and has failed to respond within 30 days, therefore the items I disputed are unverifiable, and must be deleted. The proof is attached to my complaint.
Consumer complaint received 2019-08-22
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)

There was 2 fraud/unauthorized inquiry 's on my account which I had received a letter in mail months ago would be removed but they still appear on my transunion and possible other credit reporting companies. On XX/XX/2019 I am being told I made a Inquiry with both XXXX XXXX XXXX and XXXX XXXX store which I never applied or authorized anyone to run a credit check as i do not shop in these store. You will not find my signature anywhere applying for these cards. The letter I was sent saying it would be removed unfortunately I have misplaced otherwise I would attach it here.
Consumer complaint received 2019-08-22
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. (SC)

I opened an account with XXXX XXXX ( formerly XXXX XXXX  ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )
Consumer complaint received 2022-10-15
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: Nelnet, Inc. (IL)

Feedback to Nelnet response Nelnet has refused to remove this fraudulent loan from my credit report. Nelnet fail to provide the documents I have requested numerous times in each one of my letters. Nelnet is constantly insulting, and defaming my by requesting for me to send letters from a credit repair specialist. When I am a XXXX XXXX XXXXXXXX and own my own credit repair business. I am filing a suit Monday XX/XX/2022! Im done disputing! Thank you CFPB for reaching out to them.
Consumer complaint received 2022-11-19
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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 2024-02-27
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX violated my rights under 15 U.S. Code 1666b which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I also never received a late payment letter from XXXX XXXX in the mail informing me ( the consumer ) that my account was late according to section 1637 ( b ). Therefore, please update the payment status on my report for XX/XX/2024 to On Time as this account is at a XXXX balance. 

Thanks
Consumer complaint received 2022-11-19
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. (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. 

XXXXXXXX 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 XXXXXXXX, 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 2022-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (MD)

The debt is not mine to pay, as I am and have been a consecutive recipient of XXXX. I have spoken with the insurance companies as well as the XXXX XXXX XXXX where the bill originated. There was a mix up with the insurance however, they have corrected then matter and it is being processed but the collection agency refuses to remove the account from my credit report. 

I was unaware of the existence of the matter since the information they have is dated. Both insurance companies are listed on the date of service but there was an error that led the insurance to submit the incorrect XXXX. Since they have fixed the issue and I spoke directly with the supervisor to ensure the company timely filing for their mistake. Either way I am not liable for a bill when I am insured current and retrospectively. 

I will fax in the correspondence I have received from XXXX XXXX which corrected the issue so that the correct insurance company which is XXXX XXXX can be billed. I also contacted the XXXX directly and they sent over a letter regarding the matter and dates of coverage.
Consumer complaint received 2022-04-07
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. (MS)

I filed an identity theft report with the FTC. I have made repeated attempts to have this information deleted from my profile which was not authorized. No one is helping me and no one has communicated back to me after over XXXX attempts.
Consumer complaint received 2021-11-01
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. (NV)

I recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through XXXX under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with XXXX and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( XXXX Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with Transunion and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against XXXX when they approved a card that does not match both my first and last name.
Consumer complaint received 2023-03-21
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: LEXISNEXIS (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX 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 an account without written instructions.
Consumer complaint received 2020-12-12
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: DISCOVER BANK (NC)

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. I XXXX XXXX the consumer never gave the debt collector Discover consent to contact XXXX XXXX about my alleged debt. Violation ( 1 ) At any usual time or place or a time place known or which should be known to be inconvenient to the consumer. Discover emailed XXXX XXXX regarding the alleged debt of XXXX XXXX at times that were inconvenient. Violation 15 U.S. Code 1692b ( 2 ) This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation 15 U.S. Code 1681 b ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX the consumer never gave any written instructions to Discover on this alleged debt.

Documents attached Exhibit A The Discover Symbol. This is a violation of 15 USC 1692b. ( 2 ) and 15 USC 1692f. ( 8 ) Exhibit B Threating with a law firm ( 15USC1692i ) Exhibit C - 15 U.S. Code 1692b ( 2 ) This is an alleged
debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Violation Exhibit D violation 15USC 1692b ( 2 ) Not my debt Exhibit E violation 15 US Code 1692 C ( a ) Contacting XXXX XXXX about my alleged debt without permission.
Consumer complaint received 2018-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (IL)

I became a XXXX XXXX credit card member since XX/XX/XXXX. Upon signing up at the store, I was issued statements directly to a former address. When I moved to my new home several months later, I wasn't receiving statements when I had a balance. I did change my address online successfully. I followed up with the credit company and they told me that my statements weren't sent to my new address successfully because USPS had returned to them. Not sure why or how but I was receiving other mail. XXXX never bothered to call me about this issue. This prompted me to call them to update my statements to be sent electronically to my email address. When I had a balance, I received a couple of notifications about my statements and due dates. However, the last time I used my card, there was no communication sent. I had made a small purchase on XX/XX/XXXX and completely forgot about that purchase. I would have been reassured about payment due dates via the electronic communication but there was none from XXXX. When I finally received a notice via email, it was in XX/XX/XXXX stating I was overdue payment. I immediately called XXXX to explain my situation and they could not help me at all. My original balance of some {$37.00} became {$100.00} that included fees. I paid my balance and sent a letter to the address listed when logged into my XXXX card online : Correspondence : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX And never received any response. I am really upset that they failed to contact me during my first statement cycle and thereafter until I had accumulated more than three times my purchase price.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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.

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 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I would like to have PMI removed from my mortgage. The lender told me in a letter that, if I want PMI removed, I would have to pay for an appraisal to determine if my LTV has reached 75 % or less. 

Isn't it true that under the Homeowners Protection Act a homeowner can request cancellation of PMI when the loan balance falls to 80 percent of the original home 's value? 

Original loan amount = XXXX Original home value = XXXX Current principal Balance = XXXX Estimated current value = XXXX I read that if the homeowner can demonstrate that the LTV is <80 %, PMI can be removed. My LTV ( after an appraisal ) should be 79 %