davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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. (DE)

XXXX XXXX XXXX XXXX' continues to report inaccurate information to XXXX, TRANSUNION, AND XXXX even after I sent them my dispute letter. It has now been far past the 30 days that they had under the FCRA to respond or delete this entry. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait as well as a copy of the initial dispute letter that I sent to XXXX XXXX

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this name XXXX XXXX XXXX XXXX XXXX name XXXX  XXXX XXXX XXXX name XXXX XXXX XXXX name XXXX XXXX XXXX  XXXX acc XXXX name XXXX XXXX  XXXX XXXX name XXXX XXXXXXXX XXXX name XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX XXXX XXXX XXXX acc XXXX name XXXX XXXX name XXXX XXXX XXXX XXXX name XXXX XXXX XXXX  XXXX XXXX name XXXX XXXX XXXX XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU
Consumer complaint received 2023-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

Was charged fraudulently under my social the company didnt review nothing nor check the if the social even matched whoever used my social, I tried disputing it many times and they have yet to help me nor try to get rid of it. I was a minor barely XXXX when this charge occurred theres no way I could of made it.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 Account number : 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 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 seven 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 2022-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My mortgage company, XXXX XXXX through servicer Select Portfolio Servicing, has refused to give me an accounting of my payment history, yet monthly tells me that I am in arrears on my mortgage. They filed a Motion for Relief from Stay in my XXXX XXXX case, and I paid those arrears. Since XXXX of 2022, they have refused to provide an accounting of my payments or my payoff amount so that I may refinance my mortgage with another entity. 

The refusal to provide an accounting has caused numerous fees to accrue to my mortgage and is harming my bankruptcy case. It also prevented me from refinancing my mortgage with another lender.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

I am in the final stages of buying a home and when they pulled my credit the final time they caught 3 collections that are not mine. They don't even have the correct last name on them! One of the collections companies is XXXX and the other is LNLV. Both have been contacted but not really willing to help me!
Consumer complaint received 2023-04-06
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. (FL)

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 Account number : 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 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 seven 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 2022-09-13
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. (OR)

I believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank You
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (DC)

Loan # XXXX I have sent the attached document as the official proof of my HAF ( Home Owners Assistance Fund ) program application, quite a few times. I have sent several letters, via my document portal, informing you that I applied for the HAF program. I have called 4 times & spoken to 4 different representatives, verbally informing you about my HAF application. This is very frustrating, stressful, & time consuming. My application status is currently : Pending Approval.

You incorrectly reported to the credit bureaus that my account is closed. It is not. Please correct this status.

For the 3rd month in a row, XXXX XX/XX/XXXX, You all reported to the credit bureaus that a foreclosure sale has started, but that is untrue & illegal. I received an alert about you reporting these this information to Experian. This has continuously & drastically drops my credit score, reports negatively to my credit files & causes me extreme stress. 

Because I have applied for the HAF program XX/XX/XXXX, by LAW, I am protected under for the Mortgage Moratorium, under the DC Law : XXXX XXXX XXXX : This means, a foreclosure can not be initiated nor filed. You are consistently ignoring & breaking this LAW! 

Please correct my credit file. My account should be in OPEN status and all foreclosures are prohibited. 
Please remove the Foreclosure status from my account, as well.
Consumer complaint received 2022-08-16
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 am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.
Consumer complaint received 2022-09-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I contacted XXXX XXXX  And the three major Bureaus, XXXX XXXX, XXXX, and Experian because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC
Consumer complaint received 2022-09-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I contacted XXXX XXXX  And the three major Bureaus, Trans Union, XXXX, and XXXX because I noticed inaccurate information on my report! I ask them to correct it and they said they did! Upon my own observation of my consumer report I noticed that the inaccurate information still remains! So I ask for an reinvestigation! And they look upon it again they told me that they didnt find anything inaccurate information and they not changing nothing! 

Upon my reinvestigation I still found the inaccurate items to be on my consumer report! 

And have file complaint to FTC
Consumer complaint received 2023-03-26
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. (IL)

Its been over 30 days and the creditors have not updated nor has provided any information or provided proof or documentation regarding my late payment From XXXX XXXX XXXX, XXXX they have not supplied this information and they must delete this a ledge late payment on my credit report under federal law they had 30 days to complete this investigation and failing to do so the item must be deleted soon as possible
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Affirm has reported on my Experian account that I'm XXXX Days Late Payment, but I have proof on my bank statements that I made monthly payments, as I never had a late payment. 

They reported in XXXX that I was late XXXX payments, but as you can see on the attachment I've paid them in all the months that's being reported late. 

I've asked XXXX multiple times to reflect the correct information but they won't comply.
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-07-15
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. (MO)

Please REINVESTIGATE. The Credit Bureaus stated that my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

I am uploading a copy of my Credit Report. The red boxes are marked where the failure occurs.
Consumer complaint received 2022-08-13
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. (FL)

XX/XX/2019 my bank account was hacked Causing a payment to be sent back to XXXX XXXX XXXX XXXX. It was my only late pay with them ever in XXXX. And I paid it the day they called and told me what happened they agreed to update my credit to paid as agreed and never did
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens Bank has just falsified information, which in their enclosed response letter they said, " Please be advised, Citizens is required to furnish accurate information to the credit bureaus. '' Citizens noted that I gave them a card that was expired. This statement is entirely false. I would never do that, and it is not in my nature. I do not practice fraudulent behavior ( my credit report reports can prove that ). Instead, The XXXX representative entered the wrong expiration date, so the payments were not going through. I have bank statements from that credit card company ( XXXX, which I provided ) showing XXXX charged me every month since opening the account. However, the payments did not go through for Citizens Bank because their expiration date on file was incorrect. 

Also, the messages they claim to have sent were automated monthly text messages containing NO account details. I still get the same message to this date ; " Citizens Pay : For more information on your Citizens Pay Line of Credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I uploaded those pictures. Then when you click on the link, it takes you to the sign-in page and then to the home page. There is no indication that my account was delinquent, and I have NEVER been late on a payment for any of my accounts. My credit history can prove that as well. 

Therefore, once again, this is not my fault. This business is fraudulent and impossible to deal with, and they have no remorse and can't even admit that it was Citizen 's fault. ]
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 seven 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 2022-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NJ)

Over a month ago I reached out to Convergent Outsourcing about a debt they claimed to be mine. I explained to them this was not my debt and disputed the debt as well as requested evidence that this debt was mine. When I asked for the evidence they had to prove this debt was mine they said they needed to reach out to XXXX. They had not already verified this debt which in the state of NJ is illegal. Regardless, I requested documentation and proof that this debt was mine. This was on XX/XX/XXXX and I was advised by Convergent Outsourcing to call back XX/XX/XXXX. They disputed the debt and I waited for my documentation. I waited till XX/XX/XXXX to call back as I had not received any documentation providing evidence of the debt. When I called I informed the collection debt agency that legally they had 30 days to prove this debt which they were unable to do so. In this event I instructed them to report to the credit bureau that this is not my debt, to rectify this on my credit report and to remove the debt from my name. Convergent Outsourcing explained that XXXX has not reached out to them about the claim and that they would document my call. When I requested for them to remove this debt and contact the credit bureau they said " You can call the credit bureau if you'd like, this debt will not be removed today until XXXX contacts us back ''. Which I responded " tough luck, legally you had 30 days and it is not my fault XXXX has not reached out to you ''. They did not remove the debt and have still failed to provide evidence or documentation that this is my debt.