davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX XXXX, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX XXXX. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being XXXX XXXX XXXX XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current SNHU  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as XXXX Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on XXXX when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (MO)

convergent is still reporting on my credit report after I have send them certified letter along with several complaints and they have refused to delete this account from my credit report. they have refused to comply and listing an unverified item on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. I informed convergent that as per FTC opinion letter from XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore they have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... ... promptly DELETE all information which can not be verified. '' ( Section 617 )
Consumer complaint received 2024-08-29
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. (NY)

I am writing to dispute an account listed on my credit report. The account in question is XXXX from XXXX  XXXX, and it is currently reported as negatively impacting my credit. 

I am listed as an Authorized User on this account, and I have no ownership or control over it. Given that this account is adversely affecting my XXXX XXXX, I kindly request that it be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Since this account does not belong to me and is damaging my credit, I am requesting its immediate removal.
Consumer complaint received 2017-09-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Complaint Number XXXX This is an addendum to my above-referenced complaint regarding the practices of Wells Fargo Home Mortgage to AVOID helping struggling homeowners with their mortgage. 
It is with great dismay that after sending all those justifications/and or substantiations proving that we never missed payments, Wells Fargo through the same Representative, XXXX XXXX XXXX, XXXX, again ( for the second time this year ) subjected us to apply for ( another ) Loan Modification. 
Please be reminded that they already approved a HAMP Loan Modification Trial Payment on XXXX XXXX, 2017 but due to some technicalities which is beyond our control they RESCINDED their approval on XXXX XXXX, 2017 the 4th month of our Trial Payment - and subsequently on XXXX XXXX, 2017, they referred our case for collections. 

What Wells Fargo have done to us is very humiliating and unethical, when the Federal Government and the State have been trying to help struggling homeowners to get back on their feet yet " big Banks '' like the one we are dealing with is trying to manipulate us into believing that we are delinquent in such manner that all decisions are theirs to initiate and in their favor, thus leaving us, Homeowners, in their mercy. 

WHERE IS JUSTICE AND WHERE IS THE GOVERNMENT??? OR MAYBE BECAUSE WE ARE THE MINORITY WHEREIN OUR CONSTITUTONAL RIGHTS HAVE BEEN ABUSED BY THESE BIG BANKS???? WHOEVEVER UPON THE REACH OF THIS PLEA. 

HELP US!!!
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. 

I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.
Consumer complaint received 2017-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (TX)

I paid off my loan to XXXX XXXX XXXX XXXX online. Because their website is so awful, I could n't find the exact payoff amount, so I estimated. I overpaid them by {$100.00}. I called them immediately and they said that when the payment cleared, I would be sent a check within 10 days for the refund. The payment cleared on XX/XX/XXXX. I did not receive a refund check, so called the first part of XXXX. I was told that Hurricane XXXX had shut down their XXXX office where the refunds are processed ( never mind that 22 days lapsed between my payment clearing and Hurricane XXXX ), but that the office was open again and a refund check would be issued immediately. That was 3 weeks ago. Still no refund. Every time I call customer service I 'm given the run-around and told that they are issuing the check immediately, then it never shows up in the mail.
Consumer complaint received 2017-09-20
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. (CA)

Credit report shows extremely vague public records ( no details ) that I am unfamiliar with. I understand that as of XXXX 2017 public records are not even supposed to be on credit reports. I contacted TransUnion about this about a week ago and filed a dispute. I recently received an email from TransUnion that the results of their investigation were complete. I called into a representative since I could not log into website and told that the public records were still on my report. I asked why and representative told me that he could " refile my dispute ''. I told him that first of all the information is vague on the public records and is n't true that public records are not even supposed to be on credit reports. The representative agreed with me. So why is it still on my credit report?
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-29
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (AZ)

If im calling care credit about the account number they said they can not find it but it hurting my XXXX XXXX. i want my information so i can make any action to fix it and .i have some issue i want to be honest yes i co sign this person in my care cedit but i wander why this company aproved base in my information this person using ng wrong XXXX. i find out this when im asking why he dont me he said he is fine because his XXXX is fake. why this company aprove. i hope you can help me about this a i can give you more information
Consumer complaint received 2024-08-29
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. (FL)

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX 2- Inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3- Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (TX)

In XXXX XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and Equifax should have removed the settlement from my report as of XXXX XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XXXX/XXXX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but Equifax is not removing it. Every time Equifax contacts XXXX, XXXX tells Equifax that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and Equifax. This is also happening with XXXX 's XXXX ( credit card now through XXXX XXXX was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XXXX XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and Exquifax with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my Equifax credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. the interest rate is excessively high or was increased unexpectedly, it is an unfair or predatory lending practice. 
the terms of the interest rate were not clearly disclosed and rate was increased without proper notification or for unclear reasons, If not resolved, I will sue for damages.
Consumer complaint received 2024-08-29
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had a second mortgage on my home with XXXX XXXX. I did a deed in lieu with XXXX XXXX- they came to an agreement with XXXX XXXX  to satisfy my second mortgage they agreed to accept around XXXX less. This still shows as an open real estate and delinquent loan on my credit report- which is affecting my score and hindering my ability to buy or rent. I spoke with XXXX XXXX at XXXX  and he has insisting that my house was a short sale. It absolutely was not and I have the paper to prove that it was a deed In lieu and that the lien is satisfied.I Purposely deee in lieu to avoid a short Sale As I know What a nightmare they can be. There is a house in XXXX XXXX XXXX XXXX that was a short sale my house XXXX XXXX XXXX I tried to explain this to XXXX XXXX but he insisted that it was a short sale and that he was getting a different story from XXXX XXXX XXXXshe is actually the one who helped me get the deed in lieu approved with XXXX  accepting the lower amount- She was very helpful. I think she may just be confusing in my house with the other one because it absolutely was not a short sale and they would not have any papers proving that my address from my name or my signature with a sale- I have the papers showing it wasnt a short sale it was a deed in lieu and they have no papers showing my house was a short sale with my name mortgage or address. It would not be possible because it did not happen. 
I sent several emails requesting this to be satisfied XXXX XXXX forwarded them to XXXX XXXX who called me- I told him I had the papers -he insisted I send them to him which I did and I never heard from him again or anyone from XXXX  even after follow up emails. I sent emails to at least XXXX or more XXXX  representatives at XXXX Bank on the following dates XXXX and today informing them I was opening the XXXX XXXX in Loan XXXX signed off the satisfied loan.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (DC)

This collection was removed from my report almost a year ago. And it has been reinserted without proper notification. I would like this deleted from my report. The date is wrong and it is not my debt owed. It was reinserted on my credit report please remove this from all credit bureaus.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-08-08
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.