davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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. (NJ)

It shows that my file has been compromised. Again, I was going through my records & noticed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX Accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXwhich do not belong to me. I have sent a letter to Transunion on XX/XX/2022 to eliminate the items mentioned above. You are required by law to remove & block any account or information which is found to be opened due to identity theft not later than 4 business days after the XX/XX/XXXX, XXXX. Ive already involved this in my previous Complaint XXXX & I am including it again.
Consumer complaint received 2023-04-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

CHASE informed me that my COVID-19 forbearance comes to an end on XX/XX/XXXX and that they would reach out to me to send the necessary paperwork to get my account current at the end of the COVID-19 forbearance as of XX/XX/XXXX. Prior to XX/XX/XXXX I filed a complaint because CHASE is forcing me into a deferment for the missed payments during the COVID-19 forbearance with a balloon payment at the end of my loan term. This is not what they initially shared with me and initially they shared with me that I would be able to extend my loan terms by the length of the payments that were on the COVID-19 forbearance. Needless to say, after filing this complaint for this issue, CHASE is now refusing to provide me the necessary paperwork to get my account current so I can resume regular monthly payments on XX/XX/XXXX and so my house does not go into foreclosure at the end of the COVID-19 forbearance. I need for them to send me whatever paperwork is necessary so I can exit the COVID-19 forbearance successfully and not be marked delinquent nor fall into foreclosure and so I can resume making my regular monthly payments as of XX/XX/XXXX as agreed upon at the start of the COVID-19 forbearance.
Consumer complaint received 2022-06-08
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. (AZ)

To whom it may concern, i am writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with XXXX ; 15 potentially negative items from unauthorized creditors such asXXXX XXXX XXXX XXXX XXXX  Tennessee Dept of Humn SVCSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I HAVE CONTACTED EXPERIAN-XXXX-XXXX  CREDIT REPORTING AGENCIES . ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE CONTACTED XXXXTRANSUNION CREDIT REPORTING AGENCIES XXXX ALL 3 CREDIT REPORTING AGENCIES TELLS ME I HAVE NO FREEZES, FRAUD ALERTS OR LOCKS ON MY CREDIT REPORT. MY ACCOUNT ONLINE WITH ALL 3 CREDIT REPORTING AGENCIES TELLS ME THE SAME THING : NO FREEZES, FRAUD ALERTS OR LOCKS. WHEN MY BANK TRIES TO RUN A CREDIT REPORT FROM ALL 3 CREDIT REPORTING AGENCIES, IT STATES ON THE BANK 'S SIDE : XXXXFILE FROZEN DUE TO FEDERAL LEGISLATION. THE BANK HAS RUN THE REPORT FOR 7 DAYS STRAIGHT AND THEY ARE GETTING THE SAME ANSWER. I AM TRYING TO GET MY LOAN FOR A LOT. I NEED HELP PLEASE
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NY)

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : 4 XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX also these are the following accounts : XXXX XXXX XXXX XXXX XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Consumer complaint received 2023-12-06
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. (TX)

NOITICE XXXX XXXX IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Faxed in modification SPS SAID TOO LATE! IN CALIFORNIA HAS TO BE REVIEWED! Sale happened XXXX sold for {$480000.00}! SCAM, INSIDE FRAUD! Law states has to sell for MARKET VALUE and wasnt see PROOF! Called a broker, title rep and escorw officer and all said same thing! My cousin going to call the FBI fraud department, District Attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX etc. AND WITH XXXX PLUS VIEWS!! Is and inside scam and someone knew an investor who bought it! KNOW ABOUT UP SELL and and equity is mine! Will find out who legal owner is and filing federal paperwork. FORECLOSURE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-02-24
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

3. 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 XXXX 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 2022-06-08
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account number not listed on report ) 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 an account without my written instructions.
Consumer complaint received 2022-06-08
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. (MI)

When i went into XXXX, XXXX, XXXX XXXX i tried applying for XXXX  and it ended up being more than one Inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

There is no factual evidence from the escrow analysis that the {$530.00} credit was taken into consideration for the escrow analysis. This company consistently fabricates situations to their advantage. I can write complaints all day on this, every day for the rest of the year. They have done nothing except send fabricated documents that do not pertain to the escrow analysis documents I've sent on 2 occasions. A third complaint will be issued and request an updated escrow document with the credit clearly identified in the escrow analysis. A ledger of historical payments will not suffice and is irrelevant at this point to resolve this issue.
Consumer complaint received 2022-06-08
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. (LA)

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # 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 an account without my written permission.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, the accounts listed below has violated my rights. 

XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX  Account # 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 an account without my written permission.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (SC)

I am in the process of buying a home. I been analyzing my credit to making sure my debt is truly mines. These hard pulls are not mines at all. I did not authorize these inquires now do I do them. The follow items are what I do not recognize and they are repeatitive : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-08
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX California, 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
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (MN)

An account just appeared on my credit for XXXX bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. 
I aonly have partial account number avail XXXX this is what I see. 

NAME XXXX XXXX Last 4 of SSN XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. 

Do i need to find my bankrupty lawyer to suppot? 

Thank you all for your time.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

DATAX is refusing to remove old information from my credit file such as old employment where I have not worked at that organization in six years. 

It was the XXXX XXXX  for the Aging XXXX XXXX XXXX XXXX, Md XXXX I have not worked there since 2016 and they are telling me to contact the organization which is XXXX  XXXX.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WSFS FINANCIAL CORPORATION (NJ)

I deposited approx {$300000.00} on aprox XX/XX/2018 & only bought a car for approx {$44000.00} & the money is gone! My XXXX  reviewed my acct and saw that the bank never altered her that someone was taking a large amount, several times a day, Approx {$600.00}! No one called her, but her acct gets frozen now for {$100.00} after reporting her money was gone!!! How does a bank do this without accountability!!!!
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/2022 to the 3 Credit Bureaus to remove these erroneous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and this Fraudulent Accounts : XXXX XXXX  XXXX BALANCE : {$0.00}, XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX BALANCE : {$0.00}, and US BKPT CT CA XXXX XXXX  XXXX Amount XXXX {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information. Specifically, a fraudulent account has been opened in my name without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and permanently deleted from my credit report. 
Below are the details of the fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$9400.00}
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I PAID {$15000.00} TOWARD MY USAA CREDIT CARD ON XX/XX/2022 AND {$3000.00} MORE ON XX/XX/2022 TO PAY MY CREDIT CARD BALANCE IN FULL. MY USAA CREDIT CARD BALANCE WAS COMPLETELY PAID OFF. $ XXXX BALANCE. {$0.00} BALANCE. 
i HAVE FILED A DISPUTE WITH XXXX XXXX CREDIT BUREAUS XXXX SIX TIMES SINCE XX/XX/2022 PAYMENT. USAA REPORTS BACK EACH TIME THAT MY BALANCE IS STILL {$18000.00} AND NO PAYMENTS WERE MADE. NOW USAA IS REPORTING BALANCE IS UNAVABLE. IN ADDITION, EACH OF MY PAYMENTS WERE HELD FOR FIVE ( 5 ) DAYS WITHOUT TELLING ME.!! I SPOKE TO USAA MANAGEMENT RESULATION TEAM AND THEY TOLD ME THEY " CAN NOT FIX THEIR CREDIT REPORTING SYSTEM ''. VERY UNPROFESSIONAL CREDIT CARD WHICH MUST BE REPORTED AND FIXED ASAP PLEASE.