davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I sent a certified mail to Conserve for a debt verification for a loan they claim that i owe. The letter was date XX/XX/2022 and was mailed XX/XX/2022. This collection agency failed to show proof of the loan and which that includes my original signature for said debt within 30 days. I included the letter that i sent, and their response along with proof of the certified mail receipt.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : INACCURATE NAME : XXXX, XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored or trashed for some reason, I was told by a financial expert that I can follow up on this website and file complaint on several agencies should you continue to ignore my letters. I'll be waiting for 15 days from now to see if there will be any changes and will take my next step after that. Thank you!
Consumer complaint received 2022-07-13
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I had filed a previous complaint XXXX about my United Wholesale Mortgage loan number XXXX which prompted a response from XXXX XXXX XXXX Director of Consumer Affairs at UWM on XX/XX/XXXX, but they have not only failed to return the {$1000.00} in overpayments they have collected in error, they neglected to inform XXXXXXXX  their third party servicer to stop drafting the increased amount, and on XX/XX/XXXX, {$1800.00} was taken from my account. I confirmed today with XXXX at UWM that they received a refund from the overpayment of taxes and have credited my account on XX/XX/22 for {$1800.00}, but they have not refunded the {$1000.00} in overpayments they have taken from my account since this error. I have made several calls to XXXX and UWM since receiving the XXXX 'd letter from XXXX XXXX and although they have returned {$370.00} for the late fees and penalties they created by paying my taxes late, they have not returned my {$1000.00} or adjusted my payment. I should not have to wait for the return of my money, and I would like assistance in expediting the return of my funds.
Consumer complaint received 2022-07-13
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. (TX)

Someone opened a XXXX from XXXX in my name. They then charged on the XXXX XXXX approximately {$100.00}. They have all of my information and they have changed my social security number to their address. The new card was sent to me but I did not open this XXXX XXXX account. I had another XXXX XXXX account which they somehow closed without my permission I guess because I have had an account since 2017. They were able to hack my online account. They also have my husband 's social security and have done the same with him.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (IL)

The Experian Credit Bureau is reporting a different information compared to the Credit Reporting Agencies. The public information : Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed Date : XX/XX/XXXX, is only reporting in Experian Credit Bureau XXXX This Information was removed by the other Credit Bureau from my Credit File and I wonder why would Experian still report this information if it is already removed from the other Bureau? I sent Experian letter on XX/XX/XXXX informing them this Public Record was incurred due to Fraudulent activity and I never received any benefits concerning this information. The other Credit Bureaus did their job and removed this information from my Credit File with accordance with the Fair Credit reporting Act section 605b. Only Experian is the one reporting this item without conducting a proper verification. If only their Record Keeping could have been accurate, this public record which is allegedly mine should have been removed to display only accurate information on my Credit File. I am submitting this complaint with the help of the Consumer Financial Protection Group to protect my rights and report only accurate information. If Experian claims that this public record belongs to me, I will be asking Experian to produce a copy of a document that contains my signature. If Experian fails to provide what I am asking for and continued reporting this item on my Credit File, please understand I will start to take legal action and sue Experian for the damages made by their ignorance and negligence. Remove this Pubic record immediately from my Credit File!
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$73000.00} XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXX XXXX Bankruptcy XXXX Dismissed XXXX XXXXXXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I opened a XXXX XXXX checking account on XX/XX/2022 with a bonus offer for up to {$500.00} bonus when receiving direct deposits of {$8000.00} or more within 90 days of account opening. I set up my employers direct deposit to direct to this account and received a direct deposit payment of {$8000.00} on XX/XX/2022. I called to confirm that this direct deposit met the requirements and twice had representatives confirm on a recorded call that I had met all requirements and that the bonus would be credited within the timeframe outlined in the offer. I contacted customer support on XX/XX/2022 for an update, as this was now past the date indicated and the bonus had still not been paid. They indicated to me that the requirements had not been met as the direct deposit coded incorrectly as a transfer. They raised a dispute to which I did not receive a response.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$2600.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX DXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

In 2012, my grandfather, who was in the early staages of XXXX and the only financial provider of the household, stopped making mortgage payments. The original servicer was Ocwen. The home was in the beginning stages of foreclosure. The only option Ocwen gave us to reinstate the loan was a shared appreciation modification ( we just learned ). He accepted the modifcation because we did not have the 6 months of payments to make to Ocwen. My grandfather has since passed away and my XXXX year old grandmother remains in the home with her XXXX daughter. We went through probate to have the home transferred into her name. The new servicer of the loan is PHH. We were close to making the final payment of the modified loan when PHH sent us a payoff amount for shared appreciation of XXXX. We immediately contacted them and received the run around for several days. In summary, they could not assist us. We even tried to have the amount refinanced so that we could pay XXXX XXXX in installments. They would not assist us. We received a new payoff amount of XXXX on yesterday which must be paid immediately. I asked how can the amount increase by XXXX in only a few months. The representative stated that they used the XXXX home value amount to calculate the shared appreciation. This company will not assist us.
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SECURITY FINANCE CORP (GA)

I'm demanding validation of the debt I alleged owed XXXX pursuant to 15 usc 1692g to Professional Financial Services and XXXXXXXX XXXX XXXX. I'm making it clear I completely disagree with this alleged debt with communication in connection with debt collection 15 USC 1692 ( c ) .I disagree you are the original creditor 15 USC 1602. I'm disputing the entire amount. Your company shall cease and desist harassment pursuant to Fair debt collections Practice Act 15 USC 1692 ( c ) ( d ) ( e ) ( g ) ( k ) ( f ) ( I ). You must rebuttal my affidavit with evidence. Please keep in mind that statements of credit are not proof of a creditor nor is it proof that any transaction took place. Because I am the only party to this transaction I am the only one who verifies whether the information you provide is accurate or not.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

The scam started on XXXX XX/XX/2022 while attempting to connect my TV to my XXXX XXXX account. A message appeared on my TV that I needed to call a number to confirm my account. ( I do not recall number. ). After answering several question and passed around to various individuals, all representing themselves as XXXX Staff - resulting in me, apparently authorizing a transfer from my bank account to a Zelle account ( I DO have a name and Zelle payment ID number ) the total of {$990.00}. Upon realizing what I had done my wife contacted our bank, filed a claim and issued a case number. We also closed our checking account and took all the necessary steps to switch all out all our monthly automatic fund transfers. The bank representative was very considerate and helpful. The transfer was put on hold - but ultimately the dispute was cancelled and the money transferred on XXXX XX/XX/2022. I realize the stupidity of my actions in approving the transfer, but this transfer was approved on false pretense and lie. What I dont understand is why this activity can not be shutdown, we know the account that the money was sent. If appears thousands, maybe millions, of claims of this same kind of fraud exists using Zelle. If Zelle didnt scheme this system to facilitate this type of theft, the system certainly is making it immensely easy for these scammers by evidence of thousands, maybe millions of these fraudulent transfers, and Zelle appears to be doing nothing. Somebody ought to be able to curtail this activity and someone should be prosecuted. Maybe the IRS should be investigating these transfers to see if any taxes could be collected from these scammers
Consumer complaint received 2022-07-13
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. (IL)

I am disappointed to see that the Credit Reporting Agencies are not giving their all in order to remove the accounts from my Credit Report that resulted due to Identity Theft. The Credit Bureaus failed to comply with the FCRA regulation section 605b and continued the reporting of the Disputed Items without proper Verification despite all my efforts to inform the Credit Bureaus regarding the matter. I have been sending multiple written appeals to the Credit Bureaus asking them to remove the accounts the fraudulent accounts completely from my Credit File. On my Previous letter sent on XX/XX/XXXX, I emphasized the importance of the Fair Credit Reporting Act section 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I am a victim of Identity theft and I never received any benefits from the theft of my Identity. The Credit Bureaus can not decline to remove these accounts since I never obtained possession of goods, services, or money as a result of the blocked transaction or transactions. I am Submitting this complaint today to remind the Credit Bureaus that they have to comply with the Federal Law FCRA section 605b and remove the following accounts completely from my Credit Report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I Have previously disputed this item XXXX XXXX XXXX XXXX, with Transunion. In response Transunion verified the item as accurate, Stating that they have verifired the information with the UNITED STATES BANKRUPTCY COURT. I contacted the court and their response was the Bankruptcy court does not have a relationship with the credit reporting agencies. It is clear the Bankruptcy cour does not report to Transunion or any other credit bureau, therefore Transunion 's response for verifying the item with the court was an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. and 1681 ) and the information must be deleted immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

UPDATE TO CLAIM # XXXX TRANSUNION HAS VIOLATED ME THE CONSUMER AND ORIGINAL CREDITOR IN NUMEROUS WAYS AND I HAVE TRIED TO SETTLE THE MATTER IN GOOD FAITH AND THEY HAVE IGNORED ME AND NOT SETTLED AS REQUESTED. A NOTICE OF DEFUALT AFFIDAVIT OF TRUTH HAS BEEN SENT TO TRANSUNION ALONG WITH A 3949 IRS FORM.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion this is your final notice to DELETE those charge offs XXXX XXXX XXXX  and XXXX XXXX XXXX  of my consumer reports!! You have been holding this account more than 30 days. 
I am tired of YOUR negligent reckless investigation 15 U.S. Code 1681q - Obtaining information under false pretenses Is a violation!!! 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information. According to the law everything what can not be verified after 30 days must be DELETED. 15 U.S.Code 1681s-2 A ) Reporting information with actual knowledge of errors 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 You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a FINAL opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Failure to respond to this factory with deletion of the charge off will result in legal action being taken against your Consumer reporting angency for which I will be also seeking {$1000.00} for violations and more damages Economic Emotional Statutory Punitive Wanton/reckless and willfully Attorney fees 15USC 15 SUITS BY PERSONS INJURED DEFAMATION OF CHARACTER NEGLIGENT NON-COMPLIANCE CIVIL LIABILITY MENTAL ANGUISH