davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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)

Company ( Transunion AND XXXX  XXXX ) referred me here. Today on XX/XX/2022 I received an email from XXXX  XXXX that " I '' had opened a new account in XXXX XXXX XXXX, Utah, via Transunion. They claim it was reported on XX/XX/2022 and that there are XXXX dollars on the card. I DID NOT OPEN THIS CARD. The ONLY XXXX  XXXX card I have open is the one I have in my hand as a resident of Florida, and it as approximately XXXX on it. 

This is the FALSE information that I was notified about today : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Balance XXXX Payment Status Current Please help. This is important to me as it would be to anyone. I have worked hard to heal my debt post-lockdowns when I was fired and the banks did not have mercy on me to the degree I thought. I took out a credit card for automated payments and other things like medical expenses with XXXX XXXX because they guaranteed protection after finding debt settlement through the Mercy of XXXX and XXXX. Please help.
Consumer complaint received 2022-04-06
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. (CA)

Hello, My name is XXXX XXXX. I received my credit report and am unsure if credit score reported is indicative of my actual score. I had it checked last year and it was quite different. I have been paying my bills to my knowledge and can not recall if any have been consistently late. I received a " serious delinquency '' and " '' Past due on accounts '' from all three bureaus. I would like to know which creditors reported to the bureau of any delinquent payments, past due amounts or any information available so I can figure out which payments have been missed or whether there is any identity theft fraudulent issue used in my name that I am unaware of. Please take this matter into consideration and I hope to be in touch with you shortly. 

Thanks, XXXX
Consumer complaint received 2022-08-01
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. (FL)

I have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOMESTAR FINANCIAL CORPORATION (GA)

I've been on a COVID-19 forbearance since XXXX. In XX/XX/XXXX I reached out to Homestar financial to let them know I'm now working but not making the same amount, I'm ready to end the FB. They sent me a no document modification which is what XXXX XXXX is offering. I didn't receive the documents until after XX/XX/XXXX and the first trial payment was due on XX/XX/XXXX and I had to accept it by XX/XX/XXXX but I didn't receive it on time. That modification was a Flex no doc mod with and interest rate of 2.875 % with payments of {$XXXX}. Those payments were perfect and affordable as my income decrease drastically. I contacted Homestar when I received the documents and the time had expired. They advised they would send new documents with updated date and nothing else would change. I waited to received the new documents but these documents were not the same. The new received has the same Flex modification but the interest rate is now 5 % and they only stretched the loan out, the payment would now be {XXXX} which I can not afford. I spoke with the account rep several times in XXXX and XXXX to get this rectified. The rep XXXX keeps calling but confusing the account with someone else forgetting what he told me he had to reach back out to the loss mitigation department to get the documents corrected or have a partial claim and modification combo. I spoke with XXXX today, XX/XX/XXXX, he again forgot what he was suppose to be doing for my loan. I reminded him, the he stated, oh I was suppose to send you a loss mitigation packet because Covid is over. I advised him XXXX is still offer the same resolve options as before since my loan was affected because of me losing my job due to COVID. He was very insensitive to the situation. He asked to speak with his manager and he refused to let me speak to anyone else. I asked him to schedule a manager or supervisor call me back and he again advised he's the only one I could speak with, I advised him he has a superior. He refused me to speak to anyone and I hung up on him and cried. I cant believe I'm being treated this way because I was affected by something out of my control. It's not my fault I didn't receive the first set of documents on time but I called as soon as I received them. I'm trying to get this fixed so I can start making afford mortgage payments. XXXX put these programs in place for a reason and I'm being denied what they're offering for there loans being serviced by your company.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted letters to all three credit bureaus, XXXX, XXXX and TransUnion asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (CA)

The loan originated on XX/XX/2022 at the Check into cash store in XXXX California at XXXX XXXX XXXX, I had pulled the loan out due to lack of funds due to Covid 19. After realizing that I was still financially impacted by Covid 19, I returned to the Check into cash store at XXXX XXXX XXXX in XXXX CA on XX/XX/2022 to request a payment plan. I had signed a agreement that I would pay {XXXX} a month via ACH transfer Starting XX/XX/2022, until the full amount of {XXXX} would be paid in full by XX/XX/2022. 
Between XX/XX/XXXX and the XXXX I received calls from a local number that seemed to trace back to a XXXX XXXX  location not a check into cash store, and no voicemails were left. On Tuesday XX/XX/XXXX I checked my bank account to find that the full amount of {$300.00} was charged to my account leaving me negative in my bank balance, I attempted to call the store and received no response. On the Afternoon of the XXXX I went back to the store located at XXXX XXXX XXXX in XXXX, CA and explained that the full amount had been taken out via ACH that morning. I was told in person and signed an agreement that the payment plan would be via ACH transfer, but upon speaking with a representative at the location I was told I had to make the payments in person in order for the payment plan to count, but this not what I agreed to when signing the documents and the representative this afternoon refused to show proof of their claims. This company takes advantage of working XXXX individuals that are just trying to survive by lying to their customers and assuring them of things are simply not true,
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and XXXX XXXX  on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Consumer complaint received 2024-12-01
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: PENTAGON FEDERAL CREDIT UNION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  Number : XXXX DOB : XX/XX/XXXX XXXX Date : XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXX ) XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX : Dispute of Unauthorized Hard Inquiries on Credit Report. 
Dear PENFED Customer Service, I am writing to formally dispute some hard inquiries that were placed on my credit report by PENFED on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; This inquiries were related to a pre-approval application for a credit card and a car loan. Since I was only seeking pre approval, I did not expect or authorize any hard inquiries to be conducted on my credit report, as this type of action is typically not required for preliminary evaluations.These hard inquiries are currently affecting my credit score, which I believe is unfair given the circumstances and can affect me for future credit application. I request that PENFED immediately remove these hard inquiries from my credit report as they were neither authorized by me in the context of a simple pre-approval nor were they necessary. 
Also I dont know if you are aware but in the pre- approval application page It clearly says that it will only be a soft pull and WILL NOT affect my score ( see document attached of the application page ) Please confirm in writing when this hard inquiry have been removed. If you require any additional information from me, feel free to contact me at cell phone number XXXX or email me at XXXX Thank you for your prompt attention to this matter.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I discovered illegal unapproved accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've forgotten to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you provide. Credit reporting rules require agencies to provide only accurate credit data. Each step should be taken to ensure that the data given is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your service, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or false information since my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports recklessly and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and XXXX XXXX on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (CA)

I have been receiving this debt collection attempt for a while and I wrote them multiple times to dispute this account and asked for validation and they failed to provide me with proper signed validation. I wrote them again but didn't receive anything. Now XXXX different companies are sending me debt collection letters about the same account which I disputed multiple times but they keep on sending me threatening letters.
Consumer complaint received 2021-09-12
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 (NY)

On XX/XX/XXXX I sent copy of documents via tracking and promised to receive by XXXX in 7 working days It is XX/XX/XXXX and XXXX has NOT received envelop I will send again via XXXX
Consumer complaint received 2022-04-01
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-04-06
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. (FL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$12000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.
Consumer complaint received 2022-04-01
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (VA)

This company did a soft credit pull on my report without my knowledge or consent. This notice is to inform you that Amsher Collections are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 51028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I have sent the same letter to company without a response
Consumer complaint received 2022-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (DE)

In XX/XX/XXXX I submitted a CFPB Complaint ( Case # XXXX, response letter attached ) to have an account closed after multiple Citi representatives were unable to close the account. In the response letter from the CFPB this was acknowledged with the quote, " It should not have been necessary for you to contact us on more than one occasion for assistance with closing your account. ". 

In the response letter it also said " Pursuant to your request, we have processed the closure of your savings account ending in XXXX. Please note, there are no fees associated with closing your account. You will also receive a final statement, which will confirm the account is closed. Any accrued interest will be forwarded to you via mail at the address listed above. ". This is incorrect. I was given accrued interest in the account on XX/XX/XXXX and then received a Monthly Service Fee on XX/XX/XXXX. It makes sense why Citi is still receiving consent orders from the OCC as clearly they still are incapable of implementing internal controls even when their Executive Response Unit clearly outlines the course of action as a result of the Complaint which can not be adhered to.