davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX 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 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

One year after purchasing my home Pennymac called me and said they could lower my interest and get my payment down. I told the man multiple times that I'd be interested but ONLY if I would not lose my escrow balance. My county tax was expected to drastically increase due to it being a new home and the first year was just the land. I was told not to worry and that the ( over ) {$3000.00} I had in escrow would still be in escrow on the new loan. Come to find out that they lied and because they rushed me to sign everything and I trusted their LICENSED mortgage guy, I am now forced to come up with $ XXXX. I have a XXXX daughter and I just got a " promotion '' at work so I am now a salaried employee and lost about XXXX in overtime annually. I do not have XXXX XXXX dollars and they refuse to help me! 

Based on the original loan 's balance and the refinanced amount, I would not have reasonably known that they were taking my XXXX  in escrow as they now claim. They stole that from me and I have included their statements and what they advised regarding the closing costs as well.
Consumer complaint received 2024-02-14
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. (PA)

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. 
Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my consumer profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). Their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my consumer report immediately.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

on XXXX I went to XXXX in XXXX, NJ with a mail offer for phones and services. I went through the start up process, for over an hour and when they tried using the promotion code- it wouldn't accept it. They tried calling the number on the notice and after another 40 minutes- was not getting any help. They said I would have to do this on my own time. 
We cancelled the entire request. ( I have the postvoid receipt ). This should have been the end of this transaction. However, on XX/XX/XXXX I tried to purchase a XXXX gift using my debit card with the last {$50.00} I had, to my name. It was declined. When I checked my bank account it was overdrawn - T-Mobile was pushing through an unauthorized auto-payment for the monthly service fee, for services I never received. I called the store, the manager remembered the transaction and he made sure the autopayment was cancelled so it didn't happen again. I spent another 2 hours on the XXXX " help '' line. A term I use loosely as I was disconnected 3 times and had to restart explaining each time. Finally I was told they see it was an error and that they issued a refund to my bank. It would take 10 business days! I called my bank, put in a fraud claim for the transaction and they also made me wait over 10 days to get my money returned and reverse the overdraft fees. XX/XX/XXXX I receive a " late payment '' notice from XXXX for the original balance and a {$20.00} returned item fee! XX/XX/XXXX I receive the monthly statement for the " charges '' due AND a collection notice from Convergent Outsourcing Inc. XX/XX/XXXX- I got back on the phone with the original store, the manager wasn't employed here any longer and the new one was rude and unhelpful. I called XXXX and they said the refund was already issued back in XXXX and that she has no idea why it recycled and was also sent to a bill collection agency. I have spent way too much time on something I really should not have had to think about after I left the store on XX/XX/XXXX. Over a month later they are sending me bills and collection notices and nobody seems to be able to remove me from the computer system to stop this XXXX. I am trying to rebuild my credit and this is NOT helping. Be aware of shady XXXX  and their offers via mailings or emails or anything for that matter.
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

I paid approximately {$940.00} directly to the medical office that I owed for a bill that was being collected through Bull City Financial Services. I was told by the medical office that they would immediately notify the debt collector. After about two month of them continuing to report this on my credit, I sent a XXXX   dispute and the final result was the collector reporting that the bill and amount owed were accurate.
Consumer complaint received 2019-03-08
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. (FL)

Transunion report number XXXX I have notified Transunion in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting XXXX XXXX XXXX and XXXX   XXXX XXXX  on my credit report.These accounts are inaccurate and must remove for violation. 
I do not understand how its Transunion opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Transunion get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
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. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Unverifiable no data information XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2024-02-14
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. (CA)

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 2022-07-19
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. (FL)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (SC)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT EDXXXX XXXX Balance : {$310000.00} ; XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$500.00}
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I HAVE PAID AN ACCOUNT IN FULL XX/XX/2021. I DISPUTED THE INFORMATION ON MY CREDIT REPORT A FEW WEEKS LATER AND THE CREDIT CARD COMPANY IS STILL SHOWING AS A COLLECTION ACCOUNT ON MY CREDIT REPORT AND STILL SHOWING THE ORIGINAL CREDIT CARD ACCOUNT. I NOW HAVE TWO RECORDS SHOWING ON SOME CREDIT REPORTS FOR ONE ACCOUNT THAT HAS BEEN PAID IN FULL.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.
Consumer complaint received 2024-02-14
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. (PA)

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A SEction 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report late for any purpose.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (CA)

In  XXXX    XXXX  , I applied for  FNBO Travelite car d and I was rejected b y FNBO ( First National Bank of Omaha ). And I respect their decision based on whatever criteria  they used. However, in  XXXX    XXXX   I received an exclusive invite from  FNBO to ap ply for the same card with a custom invitation code. I applied and was rejected again. This rejection is not only completely misleading but also adds an unnecessary hard pull to my report making it harder for me to get credit elsewhere.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX i reached out about a payment plan for the credit card ending in XXXX. I requested for a payment plan to keep the account current. I also submitted a complaint for a cease and desist to be put in place. An agent I spoke to on XX/XX/XXXX said if the cease and desist is put in request then I would be removed from the workout program I said I said to the agent that I would like to remove the cease and desist and stay on the payment program. I have been struggling financially and I am on a fixed income and I am barely making it. I would like to go on a payment plan to bring the account current. And I saw a late fee of {$29.00} on the account. I would like to work out a resolution. I sent out a correspondence via CFPB dated XX/XX/XXXX and I have not received a response. This is the second complaint I am putting in
Consumer complaint received 2019-03-08
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. (FL)

I have several fraudulent inquiries and inaccuracies on my credit report : Experian FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month Experian FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX Fraudulent Accounts : - XXXX - XXXX - XXXX  XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Fraudulent Accounts : - XXXX XXXX - XXXX - XXXX XXXX  - XXXX - XXXX XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX  XXXX - XXXX - XXXX XXXX XXXX/XXXX - XXXX - XXXX  - XXXX
Consumer complaint received 2024-02-14
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. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

XXXX XXXX XXXX dropped the debt after i contacted them ( this is the third time i have had this removed from my credit due to fraud ) now 3 days later XXXX XXXX XXXX has been calling me and harassing me about a debt i do not owe. I was run over by a car in XXXX XXXX XXXX XXXX XXXX XXXX. The no fault insurance from XXXX plus my own personal insurance covered all aspects of the debt. talked to a person from XXXXXXXX XXXX today who claims I owe a XXXX dollar fee which would be a copay but in XXXX  my copay was XXXX dollars so I knew they were lying. She was abusive and triggered XXXX XXXXXXXX which i am know so angry that i am actually reaching out to you. I just want these abusive debt collectors to finally stop attacking me so I can finally heal from my XXXX XXXX  experience. Thank You
Consumer complaint received 2024-02-14
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. (MD)

Hello, I have a few hard inquiries on my credit I need to recognize. I know why a few are on there, but I want to know if there is anything I can do to have them removed. The inquiries are as follows according to TransUnion : - XXXX XXXX XXXX  - XX/XX/2023 - XXXX XXXX XXXX - XX/XX/2023 - XXXX XXXX XXXX XXXX - XX/XX/2023 - XXXX XXXX XXXX XXXX XX/XX/2023 I believe all these are associated with my recent purchase of my automobile, which was through the XXXX dealership XXXX I believed these were the vendors they tried to get a loan with before settling on financing with XXXX XXXX for my loan. I refinanced with XXXX XXXX and paid off the XXXX XXXX loan for a lower interest rate. 

Also, I have a hard inquiry for a XXXX on XX/XX/2023, labeled travel/entertainment, and I do not know where it came from as I have not paid for any travel or entertainment during that time.
Consumer complaint received 2022-07-19
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. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I'm a victim of identity theft. A Home Depot credit card was opened in XXXX XXXX without my authorization or knowledge. I have called and reported identity theft to Citibank who represents this card two times in the last year. Citibank calls me 3 times a day trying to collect a balance of {$600.00} that isn't mine.
Consumer complaint received 2019-03-08
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: Clarity Services (FL)

Per my previous complaint ending in XXXX, I still have no clue what Clarity Services is talking about! There's an inquiry that's still illegally reporting in my credit file. They are required under consumer law -- under the FCRA & FDCPA -- to provide me with original signed documentation bearing my actual signature that verifies / validates the inquiry! They are currently under violation of the law. If Clarity does not provide me with this REQUIRED DOCUMENTATION, then they MUST DELETE that inquiry from my credit reports! I've attached my ID. I am submitting my complaints here -- nobody should be contacting me elsewhere! Provide me with what I'm supposed to get! If you do not, then you need to delete that inquiry!