davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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)

XXXX, XXXX, TRANSUNION all Credit Reporting Agencies there is an age out account on my credit report ending in # XXXX. The account owner is XXXX XXXX. In XXXX the account was closed in good status and fell off my credit reports because statue of limitations. Here comes your client XXXX XXXX XXXX bringing back the same account in the name of XXXX XXXX with a new Reporting.Date of XX/XX/XXXX against the FCRA. 
I am sending you my billing statement with XXXX XXXX  with account ending in XXXX which use to appear on my credit report in XXXX but aged out. Remove the age out account XXXX from my credit report.
Consumer complaint received 2017-09-13
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. (NY)

Equifax has been committing fraud for as long as they have been established. Numerous inaccuracies on my account. They 've done nothing to rectify my situation. I have disputed numerous times with them and they do nothing regardless of fraud. Equifax needs to remove anything negative from my account as I have flawless payment history and I should have flawless credit. Unfortunately due to their inept employees and outdated Infrastructure, nothing has been done.
Consumer complaint received 2024-02-20
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. (TX)

CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR SEVERAL YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME/CAR/LOANS ETC. I ALSO FILED A FTC REPORT AND HEARD NOTHING BACK
Consumer complaint received 2024-02-20
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. (GA)

To Whom It May Concern : XXXX XXXX XXXX XXXX has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. Any automated response, or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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: Collection Consultants of California (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-01-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (TX)

A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that Chase is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling Chase directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-07-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Bureaus, Inc. (TX)

After informing THE BUREAUS INC that they violated my rights by changing the comment on my credit bureau to say " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', they then requested proof of my claim. They ignored thier own comment they placed on my credit report, and ignored the screen shot of the comment i sent them of the offending comment. Rather than ceasing reporting, they sent me a 50 page binder, that did not have a single signature, or any information proving that I owed the debt. 

After receiving thier response, I attempted to call them 7 times to directly speak with them about their response, everytime I was connected to a line that said they were having technical difficulties, and then the line disconnected. 

The fcra gives me permission to speak directly to them reguarding the debt. Refusing to speak with me by transfering me to a line that disconnects is a violation of the fcra. 

Saying that they were sending the debt to an attorney, is a violation of the fair debt collection practices act. 

This will be my last attempt to resolve this issue with the company directly. If this item continues to show on my credit report after 30days I will be contacting the ftc to notify them of the violations. 

I've asked 5 times for a document with my signature on it verifying that I opened the account, and to prove it wasnt the result of identity theft. They have failed to provide it, despite having responded to 5 disputes requesting the info. The only thing they have sent me is a blank binder with no signatures any where on it, failing to prove that the debt was opened by me. 

They violated the fair debt collection practices act by saying that the debt was transferred to an attorney. 

They violated the fcra by not communicating with me reguarding the debt when I called them on 7 separate occasions.

Reporting of the item is a violation of my rights and must cease. 

Remove from all credit bureaus, and cease all debt collection attempts.
Consumer complaint received 2017-11-17
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)

My identity was stolen in XXXX of this year. The identity thief tried to set up an account with XXXX on XX/XX/XXXX. This resulted in a hard inquiry on my credit report with Trans Union.  After many attempts to dispute it, I was advised to obtain a " Letter of Deletion '' from XXXX and forward it to Trans Union so that the fraudulent inquiry could be removed from my credit report. 

Then came many phone calls to XXXX and getting the runaround. Finally I was advised to send all identifying information, social security number, drivers license, police report and various other documents to their address in XXXX, NM, which I did on XX/XX/XXXX. Their response was to dispute any errors with the credit reporting agency. 

On XX/XX/XXXX I spoke with their agent, XXXX, at their XXXX phone number, who advised me to send all the information to their legal department in XXXX, WA. I did so on XX/XX/XXXX. I receive the same ridiculous response! 

In my final letter to both addresses on XX/XX/XXXX, I again explained the situation including attention to a XXXX XXXX at the NM address. As of today 's date, XX/XX/XXXX, not even a response!
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Yesterday XX/XX/2022 they wired the money from my savings account XXXX XXXX The money were gone to the XXXX XXXXXXXX XXXX and their name is XXXX XXXX XXXX. My bank is USAA. 
I have contacted my bank already
Consumer complaint received 2022-03-31
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. (LA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-31
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. (LA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-31
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. (LA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-02-20
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. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

This account has been paid off, In addition, I did not consent to my private health information ( PHI ) to be shared with creditors or credit reporting agencies, so how did you obtain this information? I requested your Health Insurance Portability and Accountability Act clearance, name of the registered agency company, and license information and you failed to comply. This is violation of the HIPAA Privacy Rule and this needs to be corrected. Otherwise, delete the account below immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-07-01
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. (FL)

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Consumer complaint received 2017-09-13
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)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-02-08
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. (IL)

I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I tried to apply for a bank account and was denied because of something called the early warning system I read that it was fraud going on with accounts as far as checks and owening banks I saw that I owe like XXXX dollars I have never wrote nor misused any accounts I was a victim of identity theft I have know knowledge of this report. I would like to have this resolved so I am able to open a bank account. The date of supposed incident or closure date is XX/XX/2017. I'm not admitting fault but if I have to pay it back that's what I'll do.
Consumer complaint received 2018-01-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Professionals, LLC (IL)

I've been getting calls from asset management about a supposed debt I took out with XXXX XXXX in 2011. There are a lot of red flags to this claim. Why are they just asking me about this loan that happened years ago? Why can't I mail in payments, instead of giving them a lump sum.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank . I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. XXXX XXXX
Consumer complaint received 2021-06-30
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. (NC)

I sent a letter of dispute on XX/XX/21 and I have yet to receive an investigation, response, or any type of communication back.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

nothing happened. i received no answer or acknowledgement of my dispute requests. i sent disputes on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CA)

I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. 
That payment was sent out and recieved successfully several months. 
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. 
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. 
I do not want to work with this company and feel they are a terrible company. 
I did not consent to have my loan servicer changed and want my old one back! 
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. 
https : //www.phhmortgage.com
Consumer complaint received 2022-02-17
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. 

Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX XXXX, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX XXXX, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I filed a dispute with my bank chase JP Morgan. I am a victim of theft and discrimination and I want justice. The bank did not verify nor obtain any proof for editing services rendered in which the wrongfully reversed my claim awarding a fraudulent company my money failed to do a proper investigation. In which when I filed I was told I did not need to send any documents unless they ask when the merchant requested the money with falsified documentation my bank did not reach out to me a gave my money back to the merchant whom has blocked me with there lies and the bank was giving documents stiLL showing in my favor. This is robbery discrimination as the bank has hung up the phone on me lied and closed my account as I continuously and actively am still fighting for justice.