davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
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. (WA)

A fraudulent account was opened in my name on XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Account # XXXX This account was sent to collections and was a " charge off '' on XX/XX/XXXX for {$320.00}. This is a fraudulent account. I have never used this company and have no knowledge of the address attached to this account : XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
I have never lived in TX, I do not have family in TX. I have been living at the same address since XX/XX/XXXX. I have not lived in any other residence. 
I have requested XXXX, TransUnion and XXXX  to investigate and remove the fraudulent information from my report on XX/XX/XXXX. The information was not removed and still remains on my credit reports.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AZ)

I have been a victim of predatory lending from XXXX who has subsequently sold the loan to XXXX XXXX XXXX ; who has passed the loan to several servicers including XXXX, XXXX and Carrington Mortgage. This Loan started at 9.875 % and is currently 11 % as of XX/XX/XXXX. I have made several attempts for loan modification of which they have denied because I continued to pay. Since XX/XX/XXXX, I have stopped paying this high Interest predatory loan. Currently, XX/XX/XXXX claims to own this loan but has no proof of the promissory note. I am currently in litigation with XX/XX/XXXX because the Loan is approximately 8 percentage points more than fair market value. I am unable to continue fighting this predatory mortgage company and need help in refinancing to get out of this situation.
Consumer complaint received 2022-10-08
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. (TX)

I have submitted a dispute for XXXX XXXX XXXX which is reporting the debt for a higher amount than is reported on their payment website. On XX/XX/XXXX, I called TransUnion and was first told by the agent that my credit report was not showing this debt. After many attempts to try and retrieve my credit report through AnnualcreditReport.com, I was unable to pull my report so I called their customer service line to verify the debt. I called back at XXXXXXXX XXXX and spoke with an agent and she did confirm that my this account is being reported for the amt of {$1200.00} which I will include with this complaint showing on my Transunion report. I then call the debtor that is handling the account and was told that I owe this amt. I tried to negotiate a smaller price for which they offered to settle the debt for {$1100.00} dollars. I finally was able to gather some money to pay something or to make the payment arrangments so I log on to their payment site and see that the debt amt is {$260.00} dollars cheaper than what's being reported to TransUnion and what the representative quoted me as the original debt amt and settlement amounts! I want this item removed from my report. The hospital failed to bill my XXXX XXXX and XXXX insurance at the time of service and so it was their billing error as to why this bill was not paid. Also if TransUnion completed the full investigation whys is it that this company was able to report to them an incorrect amount? Also, why is this company allowed to quote me that incorrect amount and then offer only 10 % off of the debt that was originally a smaller amount? I am tired of disputing this charge and TransUnion is not completing a full investigation and allowing this debt collection company to report inaccuracies and also the XXXX XXXX XXXX is also trying to get more money than this debt is worth by again misquoting me the original amt and then trying to collect more that what their own payment site is offering. According to the Fair Credit Reporting Act, the credit bureaus are supposed to conduct full and thorough investigations and the debtor is supposed supply accurate information and verification of the debt which was not done here and again I want this debt removed from my report, as I have been disputing this debt for over years,
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (FL)

I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX is finally reporting settled XX/XX/XXXX and closed. XXXX and XXXX   are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.
Consumer complaint received 2022-11-05
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. (MD)

I continued to run into delay and snare statics to remove inaccurate and false information on my credit report from the CRA and furnishers such as personal address despite provide prove 15 U.S. Code 1681s2 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. 

If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Consumer complaint received 2022-10-08
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Equifax and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (OR)

I have us bank they reverse the credits that they put on my account one {$230.00} and one for {$52.00} And for {$53.00} $ and one for {$33.00} now i'm overdrawn {$480.00} they should put the credits towards my account they made the mistake and it is their fault they let XXXX XXXX XXXX charge my old debit card now they are paying them now I don't have enough to pay my rent or my storage room or my life insurance or my pharmacy if I write the three checks are and they balance are they going to pay them out of their own pocket no they won't
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc. (PA)

Some opened up an acount with this " kikoff '' company in my name ive called XXXX and XXXX  and they said that i contact kikoff so i did ... they would not cancel my account instead sent me a 4-page .PDF for me to fill out my entire life story ( information/identity ) Their services seems to be they give a {$750.00} line of credit to purchase their XXXX once that is done they charge ( thankfully no purchased anything in my name ) however after emailing them and explained i did not authorize this to close the account Because its showing up on my XXXX XXXX ( and not giving them my info ) im getting texts from different numbers saying " stop '' .. '' remove my number '' and " ha ha ha ha XXXX XXXX  '' something needs to be done this account is ruining my credit... please help
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions. (MD)

WHOMEVER THIS CONCERNS : I HAVE ALREADY CONTACTED YOU THE FIRST TIME AND LET YOU KNOW THAT ( XXXX XXXX ) ( ACCOUNT # : XXXX ) ( FBCS FILE # XXXX ) ( WAS AN ITEM ON MY CONSUMER CREDIT REPORT WHICH IS NO LONGER REPORTING DUE TO FRAUD AND IDENTITY THEFT, BUT RIGHT AFTER I TALKED TO YOU SAID YOU WILL NOT PURSUEXXXX  ME ANYMORE CONCERNING THIS FRAUD ITEM..IN THE NEW LETTER YOU STATE TO FILE A POLICE REPORT AND FTC REPORT WHICH I HAVE ALREADY COMPLETED MONTHS AGO! !. I WILL ATTACH THESE ITEMS FOR YOU AND AFTER I SEND YOU THESE ITEMS PLEASE DO NOT CONTACT ME ANYMORE OR ATTEMPT TO TRY TO PUT THIS FRAUD ON MY CONSUMER CREDIT REPORT, IF YOU ATTEMPT TO PURSUE AND DO THIS!, NOT ONLY WILL IT BE REMOVED FROM MY CREDIT REPORT, I WILL ALSO SUE YOUR COMPANY. I REPEAT THIS IS YOUR LAST AND FINAL TIME HARASSING ME. 
THIS PRACTICE IS ILLEGAL ACCORDING TO THE FCRA! 

THANKYOU AND HAVE A NICE DAY SINCERELY XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-11
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

On XXXX I asked the credit bureaus ( XXXX, XXXX XXXX and  XXXX XXXX to verify the XXXX account XXXX The account came back as updated. After getting a response from the bureaus I sent a letter to XXXX on XXXX asking them to provide me documents validating this account belongs to me. They responded on XXXX stating they are unable to determine the nature of my dispute and requested I send in additional information. Then on XXXX XXXX they sent me a letter stating they do not honor requests to remove reported delinquencies when the information is accurate. On XXXX I sent another letter stating they failed to provide me with the requested documents validating this XXXX  account belongs to me. I then received a letter stating the account has been sold to another company. On XXXX I sent another letter explaining to them that I am requesting the original documents along with other documents they have because I never opened a XXXXXXXX account nor have I heard of this company. I explained to them that I don't have a credit card with their company therefore this company is reporting inaccurately along with the company in which they sold the account to which is LVNV Funding LLC/LVNV Funding. 

LVNV was deleted from XXXX however the account is currently showing on XXXX and XXXX.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Opinion ... one may consider this venting. I consider it a call from the wall. It is recorded, accepted and acted on orcdidcarded and ignored. All individual and in this case corporate choice. Sadly while you feign bringing a good service to all the reality is the evil is so extensive XXXX could write a 500 page book and not cover it all. The fact you destroy and abuse while feigning goodness and decency can not be trusted aside. This by experience and hundreds of reports, letters words, deeds attest to what I wrote. If you want to provide accurate, timely and correct reporting then you can only do this real time! That fact is beyond reproach or dispute. Example Ipaid all outstanding debts well over a week ago and have to sit and wait for 30, 60, 90 days for lenders and creditors to post the CORRECT information while NEGATIVES ARE POSTED IMMEDIATELY. Do I expect you to do anything : No... you see your moto is evidently it works for me.
Consumer complaint received 2022-04-08
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. (IA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent credit inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. Factual XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Consumer complaint received 2022-09-11
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? Either complete it or delete the whole account. 
Trans Union is reporting the date last active as XX/XX/XXXX, XXXX is reporting it as XX/XX/XXXX, and XXXX is reporting the date last active as XX/XX/XXXX. Which date is it? It can't be all three? 

Why isn't Trans Union reporting any payment history? Why isn't XXXX reporting any payment history? How can I be on time with my payment in XXXX of XXXX with XXXX but charged off the very next month? When was I reported late with Trans Union or XXXX? What was my monthly payment for this account? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Consumer Name : ( XXXX XXXX XXXX ) XXXX Social Security Number : ( Private SSN LAST XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card, Auto loan account and multiple Inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard Inquiries are the result of Identity Theft and Fraud.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing credit reports noticed an unfamiliar derogatory account from XXXX XXXX XXXX on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
Consumer complaint received 2022-04-08
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. (TX)

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX XXXX Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX  ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.