davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX XXXX XXXXXXXX Late Date XXXX
Consumer complaint received 2020-05-22
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. (CA)

I applied for an XXXX credit card today XX/XX/20 and I was not approved because apparently there are some accounts reflecting badly on my credit report. I looked into those accounts more and I realized that those accounts are not mine. I did not open any of them and I have never shared my personal information with anyone such as my ID, social security number or anything else. I did not benefit anything from these accounts nor did I make any payments towards any of that debt. I have never had any account/loan with any of the companies listed on this report. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

Per the direction of a phone message left by a customer advocacy manager at Wayfair on XX/XX/2020, I am supposed to initiate a dispute directly with Comenity Bank, who in turn, will notify Wayfair. At which point, Wayfair will authorize the change to take place. Please be advised of a dispute as to how the below transactions posted to my account. 

1. ) XXXX {$380.00} should have posted on the 6 month no interest plan. 
2. ) XXXX {$1300.00} should have posited on the 24 month no interest plan ( I did not select the low APR plan ). 
3. ) XXXX {$3.00} finance charge removed, if transactions processed properly, never would have been billed this amount. 

At checkout, I selected the 6 months/24 months plan. Obviously, I understand if not paid in full during this time frame that interest will accrue back to the original payment date.
Consumer complaint received 2024-09-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Transunion, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy.

To reinforce my request, I cite the case Cushman v. TransUnion Corp. ( 1997 ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit report act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-07-28
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)

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc. (AZ)

I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. Choice Recovery Inc for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX. XXXX reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.
Consumer complaint received 2022-07-28
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. (CA)

I have been a victim of identity theft and this fraudulent XXXX XXXX account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with XXXX  XXXX. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage
Consumer complaint received 2022-07-28
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. (SC)

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of

SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! In accordance with the Fair Cre
dit Reporting Act XXXX, the accounts listed on my attachments 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

I have my mortgage with PNC bank. According to the Cares act states that upon request by a borrower for forbearance it shall be granted for up to 180 days and shall be extended another 180 days at request, of borrower. I talked to at least 7 different people at pnc today was transferred around to early intervention to customer counseling back to early intervention. They keep telling me they will only do 90 days at a time which is not what the care act says. I also told them I want the missed payments added to the end of my loan and they said that has to be reviewed after 90 days. My understanding of the law is that it it is not required to be paid back in a lump sum however PNC wont guarantee that. If I cant afford my mortgage now how am I gong to come up with months worth in one lump sum-that doesnt help anyone. I would like what I believe I am entitled to by law which is 180 day forebearance with option to extend another 180 days. I would like Any months not paid added to the end of my loan. I understand there may be some interest at that time and I am ok with that as long as terms are given to me in writing? I am hoping you can assist as I now in extreme hardship waiting on the government to come to an agreement on unemployment extensions and stimulus. I would be very grateful for any assistance you can provide as I am getting frustrated and scared on what is going to happen if I cant get this done.
Consumer complaint received 2020-05-22
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. (CA)

I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
XXXX XXXX Acct # XXXX I have attached my credit report from both Equifax and XXXX and each one have very contrasting payment history. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting
Consumer complaint received 2022-09-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PRIMARY RESIDENTIAL MORTGAGE (NY)

PRIMARY RESIDENTIAL IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.
Consumer complaint received 2020-05-22
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}
Consumer complaint received 2020-05-24
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-07-28
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: BARCLAYS BANK DELAWARE (CO)

This is a continuation of the three previous complaints with updated information. The three previous complaints are : XXXX XXXX XXXX I did receive a call from Barclays card 's presidents office regarding this ongoing issue but they were unable to provide any timeline as to when this will be resolved. 

I received the attached update from XXXX XXXX, and indeed have verified, that due to the fraud perpetrated by Barclays Card against my credit my other trade lines are starting to retract some of their available credit to my otherwise stellar accounts. To date I have lost access to {$12000.00} of additional credit due to my credit dropping by XXXX points due to this fraud. This is causing me harm and needs to be resolved. Barclays inability, after 5 weeks to resolve this issue shows that they don't care and have no interest in resolving the fraud they have caused upon me.
Consumer complaint received 2022-07-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXXBalance : {$7500.00XXXX XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (NY)

I have received notice that XXXX of my credit cards has been closed on the bases of a report provided by the company in question. I have sent a certified mail request for such report more than a month ago ; haven't received any response
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

In XXXX, my mortgage company ( or loan servicer, I am still confused about who is responsible ) offered to put my husband and I on the XXXX mortgage forbearance program. They did not require any application or explanation of hardship, and told me at the time that my payments would be deferred to the end of my loan. 

In XXXX of XXXX, we were removed from this program, apparently because they were unable to contact us, although I do not recall ever receiving a call regarding the matter. I received a call in XXXX of XXXX from collections, letting me know I owed {$15000.00} in back payments. Since then, I have not been able to make regular payments on my account, which has negatively impacted my XXXX XXXX and put me at risk of foreclosure, despite being able to afford/resume my payments. I am now in a XXXX process with the XXXX XXXX department with no indication of when this issue will be resolved My complaints are as follows : XXXX. I was not provided adequate documentation or explanation of what would be required to have my payments deferred, nor was a told that there was no guarantee that I would qualify for deferment. When the company enrolled me in the forbearance program, I was assured my payments would be deferred and was not told anything about the complicated loss mitigation process I now find myself in. I am now forced to share personal financial documents ( bank statements, tax returns, pay stubs ) to justify a " hardship '' that no longer exists. The process has been humiliating and I'm now faced with the threat of losing my home, a situation I was NEVER told was a risk of this forbearance program. 
XXXX. I have not been offered any method to resume my current payments while my loss mitigation application is in review. This has negatively impacted my credit through no fault of my own. 
XXXX. I am unable to get through to anyone in the underwriting department to discuss my application. They sent me a loss mitigation packet and told me to just fill it out and send it back, without explaining all the documents I needed to submit ( or how to submit them ). I was never told about the online portal ( which I found on my own ). I was told I would receive a call from the underwriting department and have yet to hear from them XXXX weeks after my request. My emails to the XXXX XXXX department have gone unanswered. 
XXXX. I was told that I have an assigned a " single point of contact '' but the number given is the general XXXX number with no option to enter an extension. I have been unable to contact this person.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (SC)

I owe payments for XXXX, XXXX and XXXX. I offered to pay {$1300.00}, which is a payment and a Extra {$350.00}. I explained to them, I could pay this each month until caught up. They are refusing to take my payments. Agent I.D . number is XXXX, who refused. I told her I aould mail it in she said they want post it. I have been asking for help since XXXX, when my husband went out of work for over 30 days, due to XXXX. He is back to work now.
Consumer complaint received 2022-04-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (FL)

I called USCB on XX/XX/XXXX tried to explain to them I never attended a school call XXXX XXXX XXXX. I explain to them that might be mistaken identity or I was a victim of identify theft. I ask them if they can send me to proof of enrollment such as driver license and my high school transcript that is required to attend any school. They lady on the phone told they dont keep such records. She informed this was enrollment fee. I ask for fraud affidavit she refuse to send me one. I explain I can make a police report stating that I was victim of identify theft and I can send that to their office so this can resolved. She explain to me that sending that will no make no difference. Only thing will resolve this account is payment. I ask if made the payment will she be able to send me out fraud affidavit. I went ahead and paid the XXXX balance.