davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-14
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. (MI)

TransUnion allowed several companies access to my consumer report with authorization from me. What purpose did these companies have to pull my consumer report? I have did no business with these companies and did not give them permission to pull my consumer report which means Transunion failed to follow federal law which requires companies to have a purpose to pull consumers reports. I request TransUnion to provide me with the documents that has my wet ink signature that states I did allow these companies to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Consumer complaint received 2017-06-27
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. (TX)

Equifax allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 XXXX XXXX report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and Equifax said NO that they and the companies controll what go on the report!!!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian and XXXX today XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.
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 — Account status incorrect
Company: EQUIFAX, INC. (NY)

this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pan Am Collections, Inc. (TX)

On XXXX XXXX, 2017 a debt collector called my work looking for my boss they call almost every day we forward the messages to our boss but that does n't seem good enough for them today he called 4 with 1 to 3 seconds apart each phone call the first two phone calls he yelled and screamed at me told me to do my job to get my boss to pay the debt I explained to him that I ca n't make my boss do anything I 'm not on his checking account this debt has nothing to do with me and he should not be talking to me like this I hung up the phone he immediately called back his tone was even worse the fourth phone call I recorded with him yelling at me telling me that it 's all my fault with you here in the recording down below I then contacted the company to put in a complaint myself the company said it is quite OK and OK for the company to talk to me this way basically I allow my boss to go without paying his bills he called my boss a scumbag at that point in time I knew I was not gon na get through to these people and I hung up the phone I think that person who he said his name was XXXX is the same person that calls here every day looking for my boss The company name is Pam am debt collectors as I stated above this debt does not belong to me but the man got very abusive with me over the phone several times on the date listed
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Credit Systems,Inc. (MI)

XX/XX/2021, THIS DEBT APPEARED ON MY CREDIT REPORT FROM A PLACE I RENTED IN XXXX 2021, I HAD PAID FIRST MONTH RENT AND DEPOSIT AND WAS EVICTED A FEW WEEKS LATER, I RECIEVED A LETTER STATING AS LONG AS I MOVED OUT BY DATE GIVEN AND RETURNED APARTMENT KEYS, I WOULD NOT BE CHARGED, ALMOST A YEAR LATER I RECEIVED A COLLECTION ON MY CREDIT REPORT STATING I OWED XXXX XXXX AND I HAVE NUMEROUS OF TIMES DISPUTED THIS I OWE THEM NOTHING AT ALL
Consumer complaint received 2019-05-11
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. (IL)

I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency XXXX is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.
Consumer complaint received 2023-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (AK)

I have allegedly have many accounts with Medical Data System. The accounts in collections with this creditor are all XXXX XXXX. I have been working with a debt consolidation program and have been attempting to get access to the correct documentation in order to add the accounts with Medical Data System. Due to me having relocated to Alaska for work I have been told that Medical Data System " does not bill to Alaska '' but " will not remove the items '' from my credit report. The company is refusing to mail me any documentation verifying the accounts listed with them due to me living in Alaska. I am working with a close family friend that is a lawyer who drafted a debt validation letter to be sent over to Medical Data System. I have called to Medical Data System three times and have been denied being given my account numbers. I have been told " I don't need them '' and " It will take like 20 minutes to list all of these. '' I have not received any call backs as requested but the items are being added to my credit report or Medical Data System is refusing to remove them.
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. (LA)

XX/XX/XXXX My husband and I heard on the news that as of XX/XX/XXXX, Equifax was hacked and our personal information, social security numbers and credit information was breached. 

It is my understanding that Equifax is to offer both of us one years free credit reporting and alerts yet it is impossible to find the service. I have been on the computer all morning. I signed up and was suppose to receive an email to " finalize '' our so called membership and nothing was received.
What is the gov't going ot do about this breach? We feel we should have a lifetime of free monitoring, reporting and alerts as this issue with follow us for years to come. We have worked hard for 40 years to have an excellent credit score and Equifax jeopardized it overnight. They are doing little if anything to help their VICTIMS.
I have spent hours and hours the last two days trying to secure our credit while Equifax does nothing.
Consumer complaint received 2017-09-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (GA)

I filed all paperwork to support my situation to the Loss Mitigation Department and they are stating I do not qualify for a modification. I lost my job in XXXX and was unemployed for almost 3 mths. I started the process of the application in XXXX and on XXXX XXXX, 2017 is when I was notified that they could n't help me. I 've had my home for 2 1/2 years payments always on time. My salary is lower. I do live in my house and wish to keep it just need help staying in my home. They seem to be unwilling to help. I 've asked about any other options and they stated unfortunately there 's nothing they can do. Please help!!!
Consumer complaint received 2017-09-08
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. (VA)

Equifax had a major security breach and my information was stolen. I did not consent for this to happen, and am now going to have to spend my limited time and money mitigating this issue.
Consumer complaint received 2024-02-18
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 






I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-01-07
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. (PA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.
Consumer complaint received 2017-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (TX)

On my loan Closing Disclosure on my house that I closed on XXXX/XXXX/XXXX. The tax credits provided by the XXXX were based off of XXXX 's tax numbers. However, my lender used XXXX 's tax numbers to seed my escrow and as the base for my house payment. It is now XXXX, and I have an escrow shortage of over {$6000.00}, and my house payment is going up by $ XXXX. The title company has explained that this is the practice of XXXX, but I am at a loss at to how it is ethical, or at the very least not disclosed to the buyer. My payment at closing was $ XXXX. Now I am being asked to pay back the shortage, and keep the account caught up to the tune of $ XXXX. 

Line XXXX of the closing document ( attached below ) in section XXXX or L clearly states the taxes for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX were XXXX for tract XXXX, and then {$240.00} for tract XXXX Add those numbers and you get : XXXX Divide that by XXXX, as that accounts roughly for the first 7 months, and you get : XXXX. Our escrow was seeded based on a much lower number $ XXXX month. That is the issue. Along with our payment not being based off the higher tax amount. By my calculation, my escrow should have been seeded with {$1200.00} XXXX XXXX XXXX {$13000.00}, and not the {$11000.00} that is itemized on line XXXX in section G of the closing document. Thats a shortage of {$2700.00} roughly and then if you add the extra {$250.00} a month the our payment should have had added to it over the past 13 months, you get {$3200.00} Adding those together is just over {$6000.00} which is right where we find ourselves short.
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

I have uncovered fraudulent, misrepresentation and deceptive practices by Citibank Banking. Citibank is intentionally posting erroneous and false Available Balances and false or inaccurate End Of Day balances designed to misrepresent the consumer 's accounts. My balance was close to {$4000.00} in the bank on XX/XX/19, and the available balance reflected this amount. Therefore I made some ACH payments to the bank and wrote a check. Both charges were returned for Insufficient Funds the next day and charged {$34.00} fees, even though the bank balance lists the End Of Day balance at roughly {$3800.00}. Citibank gave a reason for this, there were other pending charges made on the XXXX that reduced the balance available and thus these payments were rejected. However none of these pending charges were visible on the Citibank website. None of the balance was reduced at any time of the day. And the End Of Day balance prior to XXXX  and after XXXX  still showed the full {$3800.00} available. When speaking to Citibank multiple times via phone and chat they admitted that the end of the day balance is " wrong '' and not accurate, and I can not see the other transactions pending. The next day ended had a positive balance, and the end of day balance again was still over {$2500.00}. Yet I received NSF fees for these two payments and they were returned. When it was the XXXX, these transactions which were pending finally appeared online and posted, yet they were backdated to the XXXX. After speaking to Citibank about why they are posting false Available Balances, and worse, false End Of Day balances, they had no answer and yet refused to reverse the fees even after escalating to the supervisor division. It is clear Citibank has intentionally created computer algorithms designed to post false balances and trick consumers into making payments against a balance which doesn't even exist, in order to maximize fees. This is fraud and theft plain and simple to misrepresent and print, daily, a balance that doesn't exist, especially for multiple days at a time. Fortunately I have collected screen shots of all of these transactions chronologically as evidence.
Consumer complaint received 2017-09-12
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. (CA)

The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused.
Consumer complaint received 2021-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

I submitted my completed application for loan forgiveness ( attached ) on XX/XX/21. The document was denied on XX/XX/21 for reason stated in the attached document, none of which match the document received as it states several items are missing when they are clearly present on the document submitted XX/XX/21. An additional document was submitted on XX/XX/21 ( attached ) and a phone call was placed by myself to Fedloan. When asked about the denial for the original document submitted XX/XX/21, the reason given was that " the employer filled out more than they needed to, '' which is not a reason stated on the rejection denial letter. When asked about the new document submitted they stated it would be processed and I implored them to figure out what happened with the first document so the same would not happened with the next. When calling XX/XX/21, another reason for the initial denial was given by employee ID # XXXX ( XXXX ) for the initial document being denied, and the individual I spoke with later that day employee ID # XXXX assured me the document would be reviewed by their supervisor that day. When calling XX/XX/21, I was informed by employee ID # XXXX ( XXXX ) that the second uploaded form from XX/XX/21 had been denied because they believed the signature was tampered with, once again not a reason give on the denial from XX/XX/21. I was then given the assurance again from employee ID # XXXX ( XXXX  ) that the document would be reviewed that day and it is now XX/XX/21 and the issue is not resolved. 

Other employee IDs spoke with : XXXX, XXXX
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After contacting Transunion this morning and contacting them after being a victim of the inquiry issue they had they werent helpful in correcting their mistake and following the legal procedures. I have multiple inquires that were removed and added back after their " glitch '' which is illegal. I want these handled asap. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX