davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern, I am writing to submit an official complaint to the XXXX XXXX XXXX XXXX XXXX  ) concerning my interactions with XXXX, TransUnion, and XXXX. Despite numerous attempts to address inaccuracies on my credit reports, I have not witnessed any substantial progress or received confirmation that the discrepancies have been promptly rectified, as mandated by the 15-30 day time frame. These inaccuracies have caused significant financial distress, and I am in dire need of a timely resolution. 

I have repeatedly initiated contact with the credit bureaus through their official dispute channels to rectify inaccuracies linked to dates, prices, credit account numbers, and account information. These errors on my credit reports have presented considerable obstacles in securing loans, housing, and vital financial services. I have attached copies of my credit reports, underscoring the discrepancies, along with the records of my prior disputes for your reference. 

The absence of a constructive response and a swift resolution to these inaccuracies has given rise to unwarranted financial hardships. I am deeply concerned about the adverse influence of these inaccuracies on my creditworthiness. I am pursuing the following actions to mitigate this situation : A comprehensive review and the immediate correction of all inaccuracies on my credit reports, in line with the legally required 15-30 day period. 
A directive to XXXX, TransUnion, and XXXX to expeditiously update my credit reports with the revised and accurate data. 
An equitable compensation to address the financial losses I have sustained due to these inaccuracies, which include economic hardships and emotional distress. 
I firmly believe in the critical significance of dependable and equitable credit reporting to maintain financial stability. The credit bureaus have not met their duty of providing accurate credit data and have been instrumental in causing financial distress and challenges. 

I humbly request your assistance in facilitating the resolution of this issue. Please provide updates on the progress and outcome of this complaint. I stand ready to cooperate completely by providing additional information or documentation, as may be necessary, to expedite this dispute. 


Thank you for your expeditious attention to this urgent matter. I trust in the XXXX XXXX commitment to ensuring the practice of fair and accurate credit reporting.
Consumer complaint received 2023-08-19
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$44000.00} ; XXXX XXXX XXXXI XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-24
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. (IL)

I closed my XXXX  account in XXXX and have tried disputing it 3 times with Experian. Unfortunately theyre not removing the XXXX  account. Instead they removed my current credit card by XXXX XXXX, XXXX.
Consumer complaint received 2021-10-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (NC)

U.S. Department of Education, I write this letter today to express my dismay when it comes to the information that is displayed on my current credit file. 

As stated by your website and others, your organization is known for their ability to help resolve issues revolving around matters, similar to this one. 
The dispute in question is based on paperwork that is obviously sent directly from Mohela, a small college that my daughter attended back in XXXX XXXX XXXX 

The letter states that the balance has been differed until XXXX, but yet my current credit report plainly shows a balance that is premature as well as misquoted. 

The balance for XXXX is {$7300.00} The balance for XXXX  is {$6000.00} And the balance XXXX  is {$9000.00} But if you look at my credit file as listed below There are a number of mathematical oversights. 

The amount for XXXX  is stated as {$10000.00} on my credit file but, the paperwork provided by Mohela states {$9000.00} A difference of {$1400.00} ________________________________________________________ The amount for XXXX  is stated as {$7200.00} on my but, the paperwork provided by Mohela states {$7300.00} A difference of -96.00 lower amount altogether If the interest is growing, then how is the amount lower at this point. 
________________________________________________________ The amount for XXXX  is stated as {$6000.00} on my but, the paperwork provided by Mohela states {$9500.00} A difference of {$3500.00} lower amount altogether And Strangely enough the amounts listed appeared on my credit score less than a month ago. 

XX/XX/XXXX. 

Where as the paperwork that states the approved deferment is dated XX/XX/XXXX. 
The deferment was granted no more than a year ago. 
A possible oversight perhaps, but the misquoted amounts lead me to believe that it is more than just a behind the scenes mistakes. Possibly a non procedural way of taking advantage of their students. Being her father my concern has been heighten. 
I am now blowing the whistle as a Concerned parent as to the treatment of my credit file as well as daughters credit file. 

A huge over sight when dealing with specifics. 
As you can plainly see there are a number of inconsistencies that have affected my credit file. 

At this point I am officially requesting help on this subject matter based on the difficulties that are presented. It is like arguing with an entity that does readily understand their own paperwork, as if to say a roundabout figure may just apply, when credit repayment is a business of exacts. 
To reintegrate According to their paperwork the first payment is not due until XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting 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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account XXXX ( account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late Thanks
Consumer complaint received 2023-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2021-06-24
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. (MO)

The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2023-01-19
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. (SC)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$66.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from XXXX, and have one creditor leave a hard inquiry on my Equifax report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called XXXX to report and to get the issue resolved. As the result XXXX added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. Equifax on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2021-11-14
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: Freedom Mortgage Company (MS)

Freedom mortgage account was surrendered in bankruptcy Freedom mortgage pulled my credit report after bankruptcy My bankruptcy was discharge and the final account put them being paid. They show my account current on credit report but not 0 liability and also showing that I have a monthly payment I put in dispute with all credit bureaus I also informed freedom morgage I surrendered the property And did not reaffirm debt but every month they are reporting me owing XXXX more on loan now to XXXX due to fees I went into bankruptcy with a balnce of XXXX The trustee had payed loan for one year he did not pay freedom mortgage after I surrendered property but on final accounting it says he paid them over XXXX in principal. The bankruptcy is now discharcharged and the case is closed but freedom is still reporting I owe balance and payment.
Consumer complaint received 2023-09-02
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. (ND)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$360.00}
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (CA)

On XX/XX/2022, I received a debit card from Discover Bank. I was concerned because I do not have an account with Discover Bank. I immediately called Discover Bank to let them know that the account was fraudulent. Instead of closing the account, I was transferred to their fraud department which over a two-day period, I spent more than six hours on hold trying to speak to someone. One time, after being on hold for XXXX hours, I was disconnected and had to try again. Once I finally got to speak to someone late at night on XX/XX/XXXX, I was told that the account would be investigated but not closed immediately. When I asked when it would be closed, I was told that I would have to fill out some paperwork which I would receive in the mail. I have not received any paperwork in the mail, so as far as I know this fraudulent account which was opened on XX/XX/2022, is still open. I am also concerned that my identity was used so easily to open a fraudulent bank account with Discover Bank even though I have had a credit freeze with all credit bureaus for several years. I froze my credit because my personal information has been compromised in the past which was caused by security and data breaches at different companies.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-01-18
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

On XX/XX/XXXX we lost our home in a wildfire in CA. We entered into the forbearance department with our mortgage servicer ( 5/3 bank ) in XX/XX/XXXX. We came out of the forbearance department on XX/XX/XXXX, discussing with 5/3 bank the options for full payment vs. a loan mod at that time. On XX/XX/XXXX, I mailed two checks in - 1 for the normal monthly payment of {$1900.00} to cover XXXX mortgage payment, and another for {$7500.00} which is what 5/3 and I discussed as going toward the forbearance amount, potentially considering to do a loan mod for the remaining balance at that time. Two weeks later I spoke to 5/3 bank about a potential loan modification and decided instead to pay off the amount due in full and sent a check for {$11000.00}, cashed by 5/3 bank on XX/XX/XXXX. 

The total forbearance amount of {$19000.00} was paid in these two payments described above ( {$7500.00} + {$11000.00} ). All monthly payments moving forward were paid on time. Despite receiving these funds and cashing my checks, 5/3 did not apply my funds to the balance due until XX/XX/XXXX. At this point they have declared to credit agencies that we were past due for XXXX, XXXX and XX/XX/XXXX, despite having cashed our checks and leaving unapplied funds on our account until XX/XX/XXXX. 

We are requesting that 5/3 bank resolve this issue by clearing this incorrect information up with the credit agencies. We were never late on any payments. There was confusion when we came out of forbearance with 5/3 not applying our {$19000.00} in payments toward our open balance. This error is that of 5/3 banks and should not be impacting our credit score. I called and spoke with over 6 personnel between XX/XX/XXXX and XX/XX/XXXX in 5/3 banks customer service department and asked them to apply our funds, with no success. 

To date, they have finally applied our funds ( showing on XX/XX/XXXX ) but have not corrected this issue with the credit agency. I have since called on three separate occasions asking them to deal with this issue internally and have gotten nowhere. I have received mis-information, had the call dropped with no return calls, and have received very low quality customer service. No one can tell me why my funds were not applied and no one is giving me a path toward resolution to fix my credit score.