davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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. (MA)

For 12 years, Bank XXXX did not let me refinance with another banks because bank XXXX marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank XXXX didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in XXXX and I did a modification just in my name The program XXXX save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the XXXX XXXX marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the XXXX showing to prove that I'm saying the truth. Bank XXXX and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank XXXX stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter 7 marks was reported on my credit report and another bank told me the title is in the name of XXXX Bank. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.
Consumer complaint received 2023-08-01
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Help Needed to Correct Credit Reporting Errors Dear Sir/Madam , I am writing to request your assistance in resolving inaccuracies on my credit file. Despite my attempts to address the issue with the credit bureaus, I have not received a response or seen any correction of the incorrect information. 

On XX/XX/2023, I notified the credit credit bureaus XXXX, XXXX, and transUnion about multiple errors regarding my name and address. Unfortunately, the credit bureaus have not taken any action to rectify these mistakes. This situation is concerning as it hinders my access to credit and violates my consumer rights. 

I kindly ask for your intervention to investigate my case and ensure compliance with relevant laws and regulations, such as the Fair Credit Reporting Act ( FCRA ). Specifically, I request that the credit bureaus delete the erroneous information and retain only accurate details. 

My only name Is XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Any address or name different the state above should be delete immediately from my credit file. 

I appreciate your prompt attention and support in resolving this matter. 

Thank you for your assistance in protecting consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-01
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. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-01
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-01
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. (MD)

I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as TransUnion by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Consumer complaint received 2023-08-01
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file with trasnsunion. checking my file ive noticed alot of errors that are causing denials on my file. this has been an issue for a long time an never corrected. please review an remove the listed items in question to delete an correct my credit report asap.
Consumer complaint received 2023-08-01
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. (NY)

On XX/XX/2023 i submitted a request to dispute an account that is assumed to be identity theft. Transunion didn't honor my request to block the account. I subsequently placed a Fraud Alert on my credit profile as i continue to pursue further avenues to get these fraudulent accounts removed from my report. I recently received a letter from Transunion on XX/XX/2023 in the form of an unsealed postcard, confirming my action to place a fraud alert on my account. This postcard received was not in a sealed envelope, infact it was simply a postcard with all my information pertaining to the fraud alert, it even included the file number for my account. This postcard which isnt sealed reveals all my private information and actions pertaing to my credit file to whomever handles the mail, including the mail carriers and whoever elses hands it has touched. I called transunion to explain my frustration with allowing my private credit profile information to be revealed, which was ironic because the reason for the fraud alert was due to my private information being leaked on the dark web. The supervisors agreed with me that this was a huge mistake on behalf of Transunion. The supervisor also agreed that this letter is usually in a envelope where no outside party or person can see the information about my report. I'm so upset with Transunion for this mistake and am looking into further litigation on my behalf. I find this to be a breach of confidentiality and handling of my personal information. it's unacceptable. The risk of exposing my information to multiple mail handlers and carriers further adds to my frustration and vulnerability during these increased fraudalent times. I would like action taken against Transunion effective immediately!
Consumer complaint received 2023-09-27
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-09-27
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. (SC)

The reason for this complaint is because my credit was pull multiple times for the wrong reason! Need these off my credit report asap! 
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 2023-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I recently ran XXXX XXXX to check on status of my information. It had status of " Hard Inquiry '' on the account with XXXX XXXX. 
When I looked at information I have not had any contact with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, VA XXXX for years, at one time maybe 15 plus years ago I had a credit card with XXXX  XXXX however since than it was added into my bankruptcy. This should not be still showing up on my credit. I tried calling the number for XXXX XXXX XXXX they had listed to talk to personell however they just kept asking for my credit card number and I have no credit card from them nor have for years. 
Respectfully, XXXX XXXX
Consumer complaint received 2020-07-22
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. (TX)

Hello, I have reached out to Transunion to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( XXXX XXXX  CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX  XX/XX/XXXX XXXX XXXX XXXX  CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED TRANSUNION TO PROVIDE THE MERCHANT NAME SO THAT XXXX XXXX  CAN FURTHER ASSIST. TRANSUNION DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " XXXX  '' ) XXXX  XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX/XXXX-XXXX  XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help Transunion resolve these issues as I am not getting anywhere with them. 

Thank you!
Consumer complaint received 2023-09-26
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. (WI)

XXXX, Experian, and XXXX are not verifying the information on my credit report. this inaccurate information has destroyed my ability to borrow money. under the law of 15 U.S.C. 1681. Fair Credit Reporting Act status. and 15 U.S. Code 6802 ( 1 ) opt-out ( a, b, c ) Obligations with respect to disclosures of personal information. after carefully reviewing my Credit Report on XX/XX/2023. due to these laws, my rights have been violated. under the laws stated in this message, I would like my credit report whip of all violations and derogatory accounts. It is safe to take legal action. if this matter is not resolved in approximately 30-45 days from this date XX/XX/2023.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I have been impacted by Corona Virus, my company initially reduced my pay to part time in XXXX, at this time I contacted my mortgage servicer Rushmore Loan Management. I was told that we could file for a deferment the deferment had been approved via a letter dated XX/XX/XXXX to begin in XX/XX/XXXX. I was asked to call to accept or deny the deferrement, at the time we had the money in our account to make our XXXX payment so I asked the representative if she would suggest we make this payment and begin the deferment in XXXX. She said i could do that and I would just have to reject the deferment and refile the request in XXXX. Upon refiling for the deferment I was rejected by the company stating I had passed on the deferment and was non longer eligible. I called Rushmore on XX/XX/XXXX asking what this letter was about and they said I am not eligible for a deferment any longer. I had explained to the associate that this is what their previous associated instructed me to do, and she replied " nobody 's perfect ''. At this point I asked to speak with her manager. The manager said there seemed to be a glitch and I would need to reapply for the deferment through their Covid link on their website XX/XX/XXXX in order to get a future deferment. I did this on XX/XX/XXXX and did not hear back from Rushmore in the allotted two week time period for acceptance they say they will provide. I called on the XX/XX/XXXX asking what was going on with my account and the woman I spoke with replied that I had been approved and there was nothing left to do on my part, and that they would contact me about 70 days into the deferment to see if we would need to push this past the 90 days. I assumed all was ok until I received a letter dated XX/XX/XXXX as a notice of intention to foreclose. I called Rushmore immediately and asked them what was going on. They gentleman explained that the deferment had been approved but for some reason it was not processed, and that he would send a lengthy letter to the person handling my case to finalize the process. He told me to call back tomorrow and speak with someone to make sure it was done. I called yesterday XX/XX/21 and the person I spoke with did not seem to understand what was going on and could not direct me to the proper person to resolve this. He told me to give them another XXXX hours to finalize my deferment. He acknowledged that this was their error and he would have it taken care of. I am very nervous they are not handling this and I see that XXXX XXXX has many programs in place for people to defer their mortgages up to a year during the Corona Virus but this company does not know what they are doing. I asked for a point of contact he told me he could not gve me one and I would need to just keep calling back. Every time i call each person tells me something different, we have done everything according to their instruction and this has become a huge problem. We really need help ASAP!!
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit file.
Consumer complaint received 2020-06-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX This account has never been late. 

In XXXX of 2020 according to Equifax and XXXX it is showing I am late in that month. 

This account has never been late and as per " special agreement '' due to Covid 19 it should not be reporting as late. 

Please, it would be most appreciated for my account to be accurate and to have this error corrected. 

Warmest regards, XXXX XXXX
Consumer complaint received 2020-06-11
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant XXXX {$92.00} XXXX {$91.00} XXXX {$100.00} XXXX {$1000.00} XXXX {$1700.00}