davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I had a {$65.00} charge go to collections in XX/XX/XXXX and I paid it off in XX/XX/XXXX. While working with my financial coach, we realized that TransUnion was still showing this collections account as open in XX/XX/XXXX. I contacted TransUnion on XX/XX/XXXX to report the issue and the collections account was removed from their reporting the same day. However, when I went to rerun my credit score and report, my coach saw that my score did not change as a result of the account removal, and saw that code XXXX : serious delinquency and code XXXX : time since delinquency too recent were both still showing as reasons for my lower credit score. 

I called TransUnion on XX/XX/XXXX to ask why the codes were still appearing even though there were no longer any delinquencies on my report. They told me that it was a XXXX issue and I would need to contact them. When I called XXXX, they told me that they only report on what is being included in the TransUnion report and that I needed to talk to TransUnion about why it was showing up. I then called TransUnion again, but was again told that I needed to contact XXXX. 

I decided to try waiting a few weeks to see if it needed more time to adjust, but when meeting with my financial coach again on XX/XX/XXXX, the same error codes were appearing and my credit score was the same as the previous score. I have not received any resolution and my score has been significantly impacted for years because of this issue.
Consumer complaint received 2022-09-07
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. (GA)

In accordance with the Fair Credit Reporting act 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 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
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AL)

I don't recall having a contractual relationship with this collection company DIVERSIFIED ADJ SVC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (IL)

I received a phone call from a collection agency, SOUTHWEST RECOVERY SERVICES, who claimed that I owed a company called XXXX XXXX XXXX for a credit card machine and early cancellation for alleged credit card processing dating back to 2019. I have used the same credit card processor for at least 5-6 years and it is not XXXX XXXX XXXX. I remember a gentleman who repeatedly came to my office trying to get me to switch processors. I told him to stop coming to my office, but we did not authorize his service. My staff frequently receive calls from credit card processors who attempt to gain information regarding or Credit Card Processing machine. 

Other than the phone call on my cell phone from SOUTHWEST RECOVERY SERVICES, I have never received notice of the alleged debt via my office phone or my physical mail address ( unchanged for 23 years and both address and office phone are listed everywhere ). He said he'd emailed statements to me at an email address that does not exist in my business. 

I do not owe this debt and believe it to be fraudulent. XXXX Recovery sent it to all 3 credit bureaus as a credit collection. This has had a detrimental effect on my credit score.
Consumer complaint received 2017-04-25
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had taken out a loan and I paid most of it and now they put so much fee that now I owe them {$4000.00} before all I owed them was {$700.00} and when i stopped paying them it cause i had just lost my job and havent find a new job yet now they harassing me with the call  I get about 10-15 phone  a day from several phone area code and this morning received a called about that they are taking legal actions and they will put me in jail if I do n't pay off the whole {$4000.00}
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am attempting to avoid a foreclosure sale. I have applied for mortgage assistance. I have received no written decision. If I was declined, I was not provided my 30 day right to appeal. If I was approved, I have not received my written approval.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

We maintain a subscription with XXXX, a credit monitoring service because we have had identity theft - people using my social security number to open accounts. XXXX reported to us on XX/XX/2024 that a report from Sunrise Credit Services reported that my credit score decreased by XXXX points caused by a report from Sunrise Credit Services , Inc. XXXX , NY . I immediately faxed a letter to them using them to provide me with info. I do not have any outstanding debt. They have not provided me with the requested info.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc. (FL)

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Im depressed and after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report.

Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life.
Consumer complaint received 2022-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-05-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

XXXX does not investigate discrepencies in my report. the errors that I have requested be investgated fail to looked at. additionally there is XXXX point difference in FICO score compared to XXXX and Experian. when I call the XXXX number they hang up on me. additionally they have advised me that I must pay to get an updated fico score and report update. Experian continues not give me one update they dropped my fico score XXXX point for no reason! <P/>This is not a duplicate do not cancel this submission it is not a duplicate experience continues not to investigate my discrepancies they fail to notify me of any changes they have requested additional information meeting my name and Social Security number which you have provided this is unfair treatment to a consumer and consumer finance group should be responsible in pursuing this on ethical corrupt company
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (AL)

I don't recall having a contractual relationship with this collection company SECURITYCRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-07-05
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. (LA)

Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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.
Consumer complaint received 2017-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

SOMEONE APPARENTLY TRYING TO GET SOMETHING AND USING MY SS # DUE TO THE AMOUNT OF INQUIRIES ON MY REPORTS I DID NOT AUTHORIZE THESE INQUIRIES
Consumer complaint received 2022-07-05
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. (LA)

Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

We first submitted our first modification application with the assistance of the housing counseling agency XXXX XXXX XXXX , XXXX We submitted a complete package on XX/XX/XXXX for  the HAMP modification before the XX/XX/XXXX deadline. Then for the next 3 months they asked us questions about the income. On XX/XX/XXXX we submitted a Profit and Loss statement for our XXXX Income. Then they asked us for a monthly profit and loss statement which we submitted on XX/XX/XXXX, which was within 7 days of being requested. <P/>Ok then we submitted a new profit and lost that included the first quarter of XX/XX/XXXX. Then they told us they did not understand that the XXXX Income was Income. Then they said that we had to submit a new package due to the age of the information. We submitted a new package only to be told that we now are not eligible for the HAMP modification because it is after the date. <P/>We believe SPS held out the documents just so we could be outside of the HAMP Modification guidelines and deadlines. We are being pushed out of our home because we can not make the back payments. We can make the current payment but we can not make double payments.
Consumer complaint received 2022-09-07
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. (DE)

On XX/XX/2022, I sent a letter to EXPERIAN credit reporting company about a collection company on my credit report that failed to respond to my debt validation letter. The Collection company is XXXX XXXX XXXX that is reporting on my credit report in the amount of {$700.00}. As per my rights, I did an investigation, and sent a debt validation letter to XXXX XXXX XXXX on XX/XX/2022 and gave the company 30 days to respond with documentary proofs of the alleged debt to my address. The Collection company XXXX XXXX XXXX failed to respond to my validation letter, I received no response from this company. I then sent a letter to Experian credit reporting company notifying the company that XXXX XXXX XXXX has failed to respond to my debt validation letter and to remove the Account # XXXX from my credit report. I also provided Experian with the letter I sent to XXXX XXXX XXXX as well as the Certified Mail Receipt from the United Postal Service. Experian credit reporting company responds on XX/XX/2022 saying the collection company verifies the account. This is False, the company XXXX XXXX XXXX was provided 30 days to respond to my debt validation and failed to give me a response at all therefore Experian Credit reporting company needs to remove this item from my Credit report.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (WY)

At XXXX XXXX, I traveled with my friend from XXXX to XXXX. My friend is at North Dakota, I picked him up at North Dakota, then we went to XXXX. My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The second day I received alert information form CHASE, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from CHASE, that showed me they will close my account, give me 3 reasons. But those reasons are not mine. Every time, I paid my bill on time, and whole bill not partly bill. I never get this situation.Still now I have some benefits for my CHASE, they did not return that to me.I think that is very unfair to me to close my account by XXXX. Please, check it. I promise every words are truth.I have case number by police office. For this case, I have been report to police, a policemen have been called banker to open my account, the banker promise the policemen I can use my credit card, but now I can not use my card for CHASE.
Consumer complaint received 2022-03-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE CLEARING CORPORATION (OK)

Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

My wife purchase d 2 {$50 0. 00} Visa Prepaid Gift Cards fro   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  , costing a total of {$1000.00 } ( {$5.00}  activation fee per card ). My wife provided the  Visa Prepaid gift ca rds to me, and I registered them under my name and address provided. None of the cards ' information was provided to anyone except for when used to make a payment fo r one of my wi fe 's hospital bills paid on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX  , there w ere 3 fraudule nt charges detailed in this report.  Two charged tot alling {$480.00} was charged on prepaid card ending  XXXX .  One char ge of {$250.00} was made on card ending  XXXX . Total fraudulent charges is {$740.00}.      Two charg es were made in the city of  XXXX , CA at a  XXXX   XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   an d one charge  in the city of  XXXX , CA at a   XXXX   XXXX   on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   based on online transaction data provided by   XXXX       Someone had prior knowledge of the account # of the prepaid visa gift card and was able to identify when the card was activated as it only took 2 days from day of activation to fraudulent use.     A current dispute has been file w ith US Bank  who issues these visa prepaid gift cards.     Based on a quick google search, there have been many instances of this happening to people who buy the variable load visa prepaid cards from primarily  XXXX  and other supermarkets. The cards are mostly th e black cards wit h purple gift box pictures on the packaging. BUYER BEWARE.     There is a current dispute with  US Bank, the issuer of the visa prepaid c ard, but due to the large amount fraudulently used, I am reaching out to CFPB to expedite the process as I need access to these funds quickly.