davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (GA)

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

Account Name : XXXX XXXXXXXX Account Number XXXX Account Name : XXXX AUTO Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX and list of Inquiries. 

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 XXXX 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 2020-05-16
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. I HAVE ALSO ATTACHED MY IDENTITY THEFT POLICE REPORT REGARDING THESE ACCOUNTS. 
I NEED THE VIOLATION OF THE FCRA AS MY XXXX DATED DISPUTE LETTER SENT CERTIFIED MAIL WAS NEVER RESPONDED TO IN THE FORM OF AN INVESTIGATIVE RESULTS REPORT. ALL ACCOUNTS LISTED BELOW WERE IN THAT DISPUTE, BY VIOLATING THE ABOVE DEADLINE DATE OF XXXX, WHICH IS INDEFENSIBLE, YOU ARE COMPELLED TO DELETE THE BELOW LISTED ACCOUNTS IN ADDITION TO THE IDENTITY THEFT POLICE REPORT THAT I HAVE SENT ON 2 PREVIOUS DISPUTE LETTERS. 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. THERE SHOULD BE NO VARIANCE IN REPORTED DATA BETWEEN YOUR AGENCY AND XXXX  OR XXXX. ALSO, YOU CAN NOT UNDER FEDERAL LAW IGNORE AN IDENTITY THEFT POLICE REPORT WITHOUT LEGAL SUBSTANTIATION. 
IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XXXX EQUIFAX DELAY TACTIC LETTER. 
PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX Opened XX/XX/2007 Balance XXXX Myself and another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.
Consumer complaint received 2020-08-04
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have inquiries that I didn't authorized also 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
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. (IL)

I am a natural person and on XXXX XXXX I mailed an identity theft report, through certified mail to Transunion. I included a copy of my driver 's license, social security card, and a utility bill to as well. I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
Transunion, failed to block and remove all the accounts on the FTC Identity Theft Report I sent them. My Transunion consumer/credit report is still reporting XXXX.. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent Transunion a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship. Transunion is also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account.
Consumer complaint received 2020-05-16
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORTING. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). I HAVE ALSO ATTACHED MY IDENTITY THEFT POLICE REPORT REGARDING THIS ACCOUNT. 

I NEED THE VIOLATION OF THE FCRA ADDRESSED AS MY XXXX DATED DISPUTE LETTER WAS SENT CERTIFIED MAIL BUT WAS NEVER RESPONDED TO IN THE FORM OF AN INVESTIGATIVE RESULTS REPORT. THE ACCOUNT LISTED BELOW WAS IN THAT DISPUTE, BY VIOLATING THE ABOVE DEADLINE DATE OF XX/XX/XXXX20, WHICH IS INDEFENSIBLE, YOU ARE COMPELLED TO DELETE THE BELOW LISTED ACCOUNTS IN ADDITION TO THE IDENTITY THEFT POLICE REPORT THAT I HAVE SENT ON 2 PREVIOUS DISPUTE LETTERS. 
IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX20 XXXX DELAY TACTIC LETTER.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid 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 (CA)

I have a Capitol One QuickSilver Credit Card where I make a XXXX $ minimum payment. I lost my mother in late XXXX to XXXX XXXX. After she passed I went through so much financial hardship and was late on a few payments with a few companies ( including this one ) the year of XXXX. In this specific case I was late on XX/XX/XXXX. I tried to set up a new payment plan to get me back on track, but the servicer wont negotiate.
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2022 XXXX XXXX XXXX XXXX please remove fraudulent unauthorized inquiry from my report or provide proof within 30 days.
Consumer complaint received 2022-06-30
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. (MN)

I previously filed a complaint with the CFPB about Equifax and they responded by saying that the information was verified, but they did not answer any questions as to who verified this information and where they got it from and this is the information I requested. My rights are being violated. I have this item on my report and it shouldn't be. In accordance with the Fair Credit Reporting act MN Child Support Enforce XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This information needs to be removed.
Consumer complaint received 2022-09-03
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. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back
Consumer complaint received 2022-09-03
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. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back
Consumer complaint received 2022-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (NH)

On XXXX I purchased a firearm and some ammunition online from a site called XXXX. The total was {$500.00} and they offered financing through a company called Monterey Financial which offered 90 days same as cash. That's what I opted for. It was supposed to be 3 payments of {$160.00} starting XXXX and XX/XX/XXXX was to be my last payment. Come XX/XX/XXXX I called, on their recorded line, to make sure my final payment was processed and the lady who answered said they already took the final payment from my account. I was 2 days within my 90 days same as cash but she assured me I made it in time. That was XXXX. Come XXXX, I see them on my credit report so I call to find out and they say my payment from XXXX had been returned! Nobody contacted me about it and I've called my bank who has NO record of it and now they're trying to make me pay more than double because it's past 90 days. I did some research on Monterey Financial and read about 10 reviews where people stated the exact same thing happened to them. I've called the supervisor at Monterey, XXXX XXXX, numerous times begging him to listen to the recorded line which they refuse to do. I've spoken to supervisors at XXXX also many times. It's a scam. Nobody will listen to me or help me. I have screenshots of my bank statements for XXXX and XXXX but nothing in my statements for XXXX. I've attached a pdf with my entire XXXX bank statement where you see no activity from Monterey.
Consumer complaint received 2022-09-03
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. (IL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX
Consumer complaint received 2020-05-16
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. (OH)

I was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :
Consumer complaint received 2020-05-16
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. (OH)

My XXXX XXXX credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with XXXX XXXX credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XX/XX/2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with Experian credit bureau and 1 time XXXX  to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from Experian. XXXX  documents I couldn't get but their investigation also failed and negative mark still exists.
Consumer complaint received 2022-07-13
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: United PanAm Financial Corp. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-08-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ascendium Education Group (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXXeaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

My issue is that my credit report is showing I missed the XXXX, XXXX and XX/XX/2019 payments for my Barclays Frontier credit card. I attempted to reach Barclays by phone to correct this but was told by a recording that they have limited staff and were unable to accept my call. This was on XX/XX/2019.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (FL)

Personal information Errors in your identity data, such as wrong name, phone number, or address Accounts belonging to another person with the same or similar name to you Incorrect accounts resulting from identity theft Reporting of account status Closed accounts reported as open Youre reported as the owner of the account, when youre just an authorized user Accounts that are incorrectly reported as late or delinquent Incorrect date of last payment, date opened, or date of first delinquency Same debt listed more than once Balance errors Accounts with incorrect current balance Accounts with incorrect credit limit Data management errors Reinsertion of incorrect information after it was corrected Accounts that appear multiple times with different creditors listed
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/2022 I applied with ( HAF ) Homeowners Assistance Fund. I received and subimitted my Application on XX/XX/2022. I called XXXX several times and all you get is someone that answers the phone only to tell you it is in review but not explaining what that means are if anything is being done in regard to my application. I am currently behind on my Mortgage and running out of time for an answer. They have no contact information or updates at all. I would just like to know if I am approved or not and so I can figure out something. I think this is a poorly ran program because they have all my personal information and no one is communicating to me in order to tell me what they are doing with it. This application was submitted to the XXXX Florida office. XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Hours of Operation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX