davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
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. (PA)

XXXX has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.
Consumer complaint received 2021-07-20
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. (TX)

not mine FCRA violations you should know law if you get ti look at it :!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 


see attachments for proof of violations and evidence XXXX XXXX XXXX {$52000.00} Closed 35 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount {$52000.00} {$60000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$13000.00} {$16000.00} XXXX XXXX {$11000.00} Closed 29 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$11000.00} {$11000.00} attachments will show all you need to get it right see Equifax
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Credit Bureau, Inc. (GA)

The account is with Merchant Credit Bureau it was filed on XX/XX/2016 in the amount of XXXX they threaten to garnish my wages of i didn't pay and it has damaged my credit as a collection..
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-01-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it
Consumer complaint received 2019-11-06
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: Firstsource Business Process Services, LLC (MA)

So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.
Consumer complaint received 2019-02-19
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. (IL)

I have contacted XXXX & Equifax several times about XXXX XXXX Bank. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-11-06
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. (CA)

My issue is with XXXX XXXX XXXX. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX XXXX. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinman Acquisition Group (OK)

Most recent XX/X/17 but has been occurring for months XXXX XXXX XXXX ( XXXX XXXX ) claims they are a process server to serve me papers filed with the county. They have attempted to serve me several times and will try one more time. 
They state they will be stopping by my where abouts. 
Nothing is filed in county. XXXX is public record When I called I told them they were in violation of the FDCPA and I would be filing a report they hung up on me stated I cursed, which I never did. I got yelled at saying quit playing the victim, you should n't have married a deadbeat, you just took a XXXX XXXX XXXX XXXX. 
I again stated this is past the statute of limitations ( 5 yr Oklahoma ) but proceed how you need to I will be filing a complaint he said you do n't have my permission. I stated the his permission was not needed. 

I have called them several times to try to resolve the matter and stated this is past the statue of limitations but continue to call, threaten, and harass me and my current spouse who had nothing to do nor ever did with this.
Consumer complaint received 2023-02-06
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)

I reviewed my Consumer Reports and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXX XXXX  : Account # [ XXXX ], XXXX XXXX : Account # [ XXXX XXXX, XXXX : Account # [ XXXX ], XXXX  XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : [ Account : 24 ] . Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

During XX/XX/2020 A NOI Notice of Intent to refinance was forward to Shellpoint ServicesThe requested closing date was for Early XX/XX/2020. A copy of the proof of funds was provided, along with a current financial statement. The homeowner had the funding in place with a time limit for the use of funds to refinance the mortgage. 
Shellpoint never responded to the refinance offer in place, thus allowing the foreclosure to move forward. 
I then contacted the investor of record and conducted the following. 
After the no response, I provided two offers to refinance the outstanding loan. I provided the contact information to the investor of recod on my mortgage. 
There was no response. from shellpoint. 
I am requesting a modification due to the COVID Pandemic.

The Shellpoint contact information. 
From : XXXX, XXXX XXXX Date : Tue, XX/XX/2020 at XXXX XXXX  Subject : Shellpoint - XXXX XXXX XXXX XXXX To : XXXX XXXX Good Afternoon, Please see below for my contact information. Please provide a copy of the HUD and formal settlement offer in writing. 



Thank you, XXXX XXXX XXXX Lead Commercial Loan Consultant PH : XXXX XXXX est M-F Fax : XXXX Email : XXXX XXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I called XXXX XXXX corporation for a pay to delete a account of of my credit and the agreed but its still on there reporting as closed payed account they said If i pay they will delete it off of my credit and send a letter of Deletion also ask eqifax delete the account on my credit report
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i have been challenging the accurate reporting of account for XXXX  to all 3 credit bureaus for 6 months and this always comes back verified as accurate ... how can this be when the reporting is not 100 % the same within all 3 bureaus ... in fact XXXX has yet to even add the comment saying it is in dispute that in itself is a violation ... .high credit limits are not consistant between the 3 bureaus, credit limits are not consistant between the 3 bureaus, comments are not consistant between the 3 bureaus, date of last active are not consistant between the 3 bureaus, date of last payment are not consistant between the 3 bureaus, look also at the 2 year history on the bottom as well are not consistant between the 3 bureaus ... ..they have obviously not conducted proper investigations ... they are pencil whipping ... .they need to be held accountable as this account is not reporting 100 % accurately ... delete this now
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i am writing for 2 reasons. one is i own XXXX XXXX XXXX XXXX XXXXXXXX XXXX in texas and we have been getting letters to a XXXX XXXX credit card letters no such person exists and it needs to be stopped. this is not my current mailing address please look into it. thank you second reason i write i got a letter about XXXX i disputed i cant tell what the status of it is by this letter or if it was credited not sure the account but it was from XXXX and i never got the merchandise told the merchant as well so i should not pay for it. please let me know the status. nd please credit sas it was never received.
Consumer complaint received 2023-01-22
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been sending in numerous complaints because the credit bureaus are violating our rights as consumers. They are damaging our credit by updating things and doing what they want to do. There are numerous student loans on my report with inaccurate information. I sent in a letter, which I will attach, advising them of this and asked them to deleted the incorrect information. Instead, they responded they updated the account and the information is still totally wrong. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they are suppose delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). This is a total violation of the FCRA and I am reporting this to the States Attorney office as well.
Consumer complaint received 2021-07-20
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: LEXISNEXIS (NV)

I sent several emails to LexisNexis because they are providing incomplete and/or unverifiable information about a public record or Bankruptcy to XXXX XXXX  and XXXX 
LexisNexis informed that the information is verified to the 3 major credit bureaus but they havent verify that information. 
Please see the attachments as evidence and as my last request.
Consumer complaint received 2020-10-13
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. (FL)

I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX XXXX where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Requested to have credit reports sent to me, but TransUnion sent a reply via mail stating they can not send me a report since I have had one within the last 12 months. As it is stated that due to COVID-19 I should be offered free weekly online reports until XX/XX/2021. TransUnion declined and told me I would have to pay {$11.00} for it.
Consumer complaint received 2020-11-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (AZ)

I am constantly ignored for weeks by staff assigned to my home loan, I am update at best once a week on status of my loan, I am lied to by the loan offer on closing date an required paper and etc. I leave constant email, voicemails, and text messages and I never get any kind of replied only when I file a complain with customer service do I get a reply. I was yelled at by one of the loan team for filing complaints than she basically called me a liar. I am XXXX XXXX XXXX and I have to report to my new duty station on XX/XX/XXXX. Me and my family are homeless right now because the mortgage company told us they would close on the XXXX and than the XXXX of XXXX, and told use we be closed before our current lease was up so we where good to move but they lied and there for we are homeless right now. It is XXXX XX/XX/2020, we spent all our money waiting in a hotel for them to close cause they keep promising they will close that week than the next and the next and I'm still being ignored, lied to and insulted by this company I am about to lose the house I'm trying to buy because they do not do their part and constantly lie about need paper and the statues of the loan. I want some kind of responsible and respect and apology form them for this has uprooted me and my families life made us XX/XX/XXXX and all I get is lie and insults form them. There is absolute no respect for a customer or people who serve.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've been in dispute with XXXX XXXX for a while now concerning an unverified credit account that they have been reporting negatively on my credit report. I've sent multiple cease and desists that they have ignored while investigating the lawfulness and legality of said account. On my last attempt XX/XX/23, I sent a handwritten letter demanding a complete XXXX XXXX of this account, including ledgers and full transactional history so that I may examine the account for myself. They refuse to send this information. If they are going to defame my character, I should at least be able to verify the information for myself.
Consumer complaint received 2020-10-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (TN)

Was sent a direct mail from XXXX XXXX XXXX XXXX  regarding me being in my home for XXXX months and being eligible for XXXX VA XXXX refinance. The letter included a XXXX XXXX XXXX worth {$100.00} and said it was as a thank you for your service and due the time in current home. To activate the card you had to call a loan agent though and get their sell tactics for the loan. I listed and said I was not interested but once I did that they hung up and failed to activate the XXXX card.
Consumer complaint received 2022-11-17
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. (CA)

XX/XX/2022 my personal credit reports were accessed without my consent and while my credit reports were in frozen status. Someone was able to apply for credit under my name and SSN. I didn't give verbal or written consent. I called each financial institution and advised them that I XXXX XXXX didn't give permission to run my credit. According to my credit report, it is only showing inquiries currently.