davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2017-09-10
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. (NE)

I have reported the fraudulent account with XXXX to the FTC and have attached the report to this complaint. I have also alerted XXXX that the account was the result of fraudulent activity. Experian is currently investigating this, however, pursuant of the Victim of Identity Theft clause of the FCRA ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I demand Experian block this fraudulent account from my credit file within the next 4 days. Experian is not handling this dispute properly and it is costing me a great deal of money. If left uncorrected, I will be forced to take legal action.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

A student loan listed by the Dept of Education XXXX for {$2700.00} on my credit report. The loan was discharged by the Dept of Veteran Affairs for Total and Permanent XXXX ( XXXX  ) on XX/XX/year>. I have tried numerous times to get it removed.
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hauge Associates, Inc. (IA)

This was originally under a workers comp claim XXXX of XXXX that was actually not approved so XXXX XXXX should have been billed under medical insurance but never was! Never received any info from original company either! Assumed everything was fine and would just receive a deductible amount to pay to them! They never issued to insurance carrier and I never knew or received correspondence from original doctor either! Two plus years later see on credit report that now is with collection agency for absurd amount that never should have been amount was if was properly sent through insurance! And this company is stating compounding interest too and shows start date with them is XXXX! I told them all this and they never got in touch with me and I have tried numerous times to contact and they wo n't do anything other then ask for amount. I do n't really care to much other then fact that effects credit and is only collection have that will honestly stay that way because I am not paying amount! Please just help me because really just hard working citizen trying to get life in order and doing quite well but this is dark cloud that ca n't seem to get fixed!
Consumer complaint received 2024-08-27
Product: Credit reporting 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)

I am writing to dispute these inaccurate accounts listed below. These accounts listed on my credit report is within violation of my rights as a consumer. I took a further step to reach out to the federal trade commission and file a complaint and also an affidavit due to XXXX of the accounts listed is misleading. All XXXX credit bureaus is reporting different information on each account listed, when in reality and what the law states, the credit bureau must report XXXX XXXX accuracies on any accounts listed. If any accounts listed isnt XXXX XXXX  accurate, the account must be deleted. Please be advised that unverified accounts remain unverified on my credit report. I have yet to receive the original documents from the original creditors which by law is a requirement. XXXX asking that the accounts I listed below is deleted and removed immediately from my credit report
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

As a result of Equifax 's data breach, I attempted to place credit freezes on my credit data at Equifax, XXXX and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. XXXX XXXX process died with a system error. Equifax 's process returned a blank pin number. Apparently the last XXXX companies have poorly designed system which can not be relied upon.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I attended a meeting with Chase ( XXXX ) to refinance my mom 's mortgage loan as her Trustee and DPOA. Chase has the POA on record for her existing accounts. When I arrived at the appointment with the LO, I brought my mom 's most recent XXXX award letter and informed the LO that I was a Mortgage Audit Supervisor. He read allowed a disclosure to me based on the purpose of the meeting and disclosed that before he could take my application, he needed me to provide additional documentation which included previous income, bank statements, etc. This seems to violate Section 19 ( e ) ( 2 ) ( iii ) Verification of Information because Chase is requiring me to provide them with  documentation not only before submitting an LE but before I can even complete the XXXX Application. My mom banks there so they can see her XXXX income directly deposited, her Rental income directed deposited, and her assets. However, I was told to come back once I had all of the documents and my appointment was cut short. Please assist in enforcing the section on Verification of Information prior to being allowed to complete a Loan application. Even though I am in the industry, I felt discouraged in completing the application based on that type of flattened disregard of my time.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have some collection removed from my file in XXXX 2017,  then after awhile I look at XXXX and Trans Union and they were back on my file.
Consumer complaint received 2017-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Money transfer failed to credit account after 20 days. 

Transferred XXXX XXXX to XXXX XXXX on XXXX XXXX XXXX. 
The money was shown as received on the XXXX XXXX XXXX but the company has failed to credit my account as of XXXX XXXX XXXX. 
I have made numerous attempts to contact their customer support via their own web portal, email, social media, telephone and I have had no direct response. 
I have submitted numerous support requests and tickets and only received an automated response containing irrelevant information. 
The support case case ID is XXXX
Consumer complaint received 2017-11-12
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. (CT)

I have been contacting Equifax, XXXX and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
Consumer complaint received 2017-11-12
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. (CT)

I have been contacting XXXX, TransUnion and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was XXXX during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

In CFPB complaint XXXX XXXX XXXX was complained about as the collector for XXXX the original creditor.PLEASE SEE ATTACHMENTS.As the desired result of the complaint this collection was removed from my credit reports. 
As the attachments explain the collection was unfair and fraudulent.Now after the deletion of XXXX XXXX another collector XXXX XXXX acct no XXXX has appeared on my credit reports attempting to collect for the same debt.This account should be removed.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-12
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)

I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.
Consumer complaint received 2017-11-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

The company has changed hands three times and my escrow information is incorrect they have not gotten this straight and have harrssed and caused me to loss tenants and cause me extreme stress and my balance is incorrect. I have documents to prove it but can not get them to listen.
Consumer complaint received 2017-11-12
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. (IA)

Transunion allowed 5 Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and also by XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. 
I have written both companies twice on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Consumer complaint received 2017-11-12
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: EQUIFAX, INC. (IA)

XXXX allowed an Unauthorized Hard Credit Inquiry by XXXX XXXX onXX/XX/XXXX. I wrote them on XX/XX/XXXX proving identity theft, no response. 

Equifax allowed 3 unauthorized hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXI wrote them proving identity theft on XX/XX/XXXX, no response.
Consumer complaint received 2024-08-27
Product: Credit reporting 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. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-09-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

My ex husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the divorce settlement. I have attempted several times to contact both the credit bureau and XXXX store card and neither will knowledge this.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (NE)

On XXXX/XXXX/XXXX my wife spoke with the manager XXXX XXXX and authorized XXXX XXXX to submit a credit application to XXXX XXXX XXXX XXXX XXXX XXXX on my behalf. She specifically communicated that my credit was not to be shopped around or submitted to multiple banks without either of our authorizations. Further, the authorization given by my wife was only to use XXXX because she was keenly aware that Equifax was still reporting inaccurate information on my report that would result in a denial. 
I have already spoken with the finance manager, XXXX about the unauthorized inquiries and he attempted to make me complacent with the inquiries by telling me their impact will neutralize after 90 days. I do not feel this is fair, being that I did not authorize them to submit my credit to so many institutions. My wife wrote the general manager an email expressing her concerns about the unauthorized inquiries but he did not respond.
Consumer complaint received 2017-11-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (AR)

I was approved by Vanderbilt Mortgage for a manufactured home loan and my loan office wont return my calls Ive left several voice mails they wouldnt give me her email I had to get it from a XXXX homes employee, she is not responding to my emails Ive sent her home buying assistance application she wont respond Ive even sent out dated application she wont respond. I called XXXX XXXX she wouldnt answer she had them tell me she was on break then they sent me to another loan XXXX who wouldnt help me but told me I dont qualify for a fha but they gave me a conviental loan with high interest high down payment and a high mortgage and no one wants to help me fix it. I am a single parent of XXXX I down have XXXX XXXX just laying around. I thought your supposed to help your clients find the best possible mortgage the best fist time home buying process not just push them to the side cause they dont fit your expectations