davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-15
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. (LA)

XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,
Consumer complaint received 2022-07-15
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. (TN)

Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : 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 Inquiry : XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. 

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Consumer complaint received 2022-07-15
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. (TN)

Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : 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 Inquiry : XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. 

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Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion Suppressed XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card account ( XXXX  ) on XXXX XXXX, after I filed a dispute with them regarding an inaccurate balance for said credit card. Ive contacted TransUnion several times over the past two months to have this problem resolved, so that the account will start showing on my TransUnion credit report again, but TransUnion employees have been very rude and unhelpful. I have had the assistant of the CEO of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) send TransUnion proof that the credit card account is still open and in good standing, along with my proof of identity and signature, the problem still hasnt been resolved. Please help me with this situation. Thank you.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I been trying to get this issues resolved since XXXX both credit bureaus ( transunion and XXXX ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXI sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

XXXX XXXX continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OR)

My home mortgage is serviced through US Bank.

My escrow account has a large positive balance remaining after all insurance and property taxes have been paid for the year. This is due to the actual tax bill being much lower than anticipated ( the property was assessed by the county before the house construction was finished ). 

I requested a refund of the excess money on XX/XX/XXXX ( taxes were paid on XX/XX/XXXX ). I was told they would have to perform an " off cycle escrow analysis '' to determine the amount to be refunded, which would take XXXX business days. I was told this would be completed by XX/XX/XXXX. On XX/XX/XXXX there was no refund issued, so I contacted the bank again. This time, I was informed that the analysis was not performed, as there was no change being made to the monthly escrow payments. 

Once again, I requested a refund of the excess money, and was told it would be another XXXX business days to process it, even though they already knew the exact figure that was to be refunded. This is absolutely unacceptable. After speaking with a supervisor I was told they would put a rush request on it, and it would be processed by XX/XX/XXXX. It is now XX/XX/XXXX and nothing has been processed. 

The bank is withholding my money that I have overpaid to the escrow account and is refusing to expeditiously refund the coverage. If I made a late mortgage payment, I would be hit with penalties and it would be reported to the credit bureaus.
Consumer complaint received 2024-02-08
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Capital One Auto Finance # XXXX BALANCE {$10000.00}. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (MN)

Improper use of my report from State Collection Service , Inc . This collection agency is violating my rights under the No Suprise Act of XXXX I have a medical bill that an out of network provider is charging me without my prior authorization.
Consumer complaint received 2024-02-08
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. (CA)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXXXXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 if the person knows or has reasonable cause to believe that the data is inaccurate.
Consumer complaint received 2024-02-09
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (IL)

Wrong information on my credit report fraud connected to addresses that I never lived at on credit report! Someone fraudulent using my information. Fraud on this account MILITARY STAR Card XXXX You may contact the customer service desk where the payment was made or contact the Exchange Credit Program Call Center at XXXX ( STAR ).
Consumer complaint received 2022-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sherloq Group, Inc (MI)

XXXX called on XX/XX/XXXX at about XXXXXXXX XXXX  claiming to be from Sherloq financial, about collecting medical debt from XXXX, he was XXXX  and XXXX  and said there were four other accounts but did not specify which or how much. I have been contacted by my insurance that I have paid everything in relation to this. I have talked to my doctor and my endocrinologist and they said I don't owe anything either. ( I am XXXX and have XXXX and XXXX that pays for my doctor visits. ) I feel that they are just trying to collect money they are not owed and its predatory.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX credit card account ending XXXX was accepted to a debt management program with CCMS on XX/XX/XXXX but they then reported it as a late payment past due in XXXX & XX/XX/XXXX thus affecting my credit score which dropped XXXX points from XXXX to XXXX. I HAVE PLACED A COPY OF THEIR LETTER PDF ON MY HOME PC & if requested can send it via email.
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (FL)

I received a collection notice from the company. I paid it, in full, on their website. It took them 2 days to process the payment, and then their website showed paid in full. The client 's website then showed that the payment was NOT in full, and that there were other fees, and amounts still due. When asking the collection company to provide a " paid in full '' letter, they declined, and told me to pay their client the balance claimed. Not only have they misrepresented the amount due, but would not stand behind it, when it was paid in full - classic bait & switch. It is fraud. To settle an account with full payment, and then to pull this kind of stunt is illegal, and they should be sanctioned. The client of XXXX XXXX XXXX is XXXX XXXX ( XXXX  ) Clerk of Courts, for the payment of a traffic ticket. The amount paid was in a written letter, and as appeared on their website. It stated that the full amount must be paid, which was done.
Consumer complaint received 2018-03-15
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. (FL)

Spoke with XXXX XXXX in legal on XX/XX/18. Asked about why the debt was previously turned over to an attorney and now back at the credit collection agency. On a recorded line, she stated that they hired an attorney to garnish wages and income. Advised that XXXX XXXX receives government money. After asking to repeat herself because I can't understand what she was saying, she hung up the phone. The reason why she would not repeat herself is because she threatened to cease property and garnish the money that we have. 

We have tried to dispute all the charges assessed by the apartment complex. 
We have previously asked for the receipts of the charges and services they are charging for. This debt is not belong to XXXX XXXX and it not owed. We want an accounting breakdown with supporting evidence of the receipts for the services paid for to justify these charges. Also, it is a catch22 to be charged because we didn't give notice before moving out when they did a " 3 day no option to cure ''. I would like a copy of the " 3 day notice '' we were given, as XXXX XXXX stated we don't need this and asked a lot of questions concerning this notice. I want to know why they don't have a copy of this on file. Also, the company is double charging for a water bill twice, in the amount of {$60.00}. Charges on both account numbers XXXX and XXXX are for the same water/electric bill. Please show me a copy of both water bill. Remove these from the credit reporting and delete the trade lines.
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Card was stolen, I finally got to my phone and locked card and reported stolen. By then I had {$820.00} in charges I didnt make.

I disputed them and sent proof but they declined my dispute. CHIME BANK
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account is reporting inaccurate and incomplete information XX/XX/2023 no data XX/XX/2023 no data XX/XX/2023 no data XXXX it's reporting charge off this is inaccurate Update to paid in full and never late Also this account was sold to XXXX company and paid on XX/XX/2023 Update or delete immediately
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc. (MI)

Promissory note separated from deed at the closing XXXX, invalidating secure transaction status ( unenforceable debt ). XXXX bank original servicer changed loan number XXXX weeks before transferring servicing to Nationstar XXXX. Nationstar created an entire new ( illegal ) loan with this new loan number and began servicing. On XXXX Nationstar recorded a fraudulent forged assignment at XXXX XXXX recorders office, and in XXXX bankruptcy court to facilitate foreclosure proceedings. Nationstar once again created a new ( illegal ) loan as shown on the ledger. Attorney for Nationstar foreclosure firm XXXX XXXX XXXX is directly involved with this fraud, and can be proven. I also have evidence of a possible forged promissory note. Separate complaints are to be filed on the XXXX attorneys that filed the forged assignment. The document company that produced the forgery is XXXX XXXX XXXX in XXXX XXXX, XXXX and has also already had sanctions filed by regulators. I have documentation available for your inspection upon request. Nationstar loan # XXXX
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-02-08
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. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-15
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account 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.