davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting 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. (NJ)

Subject : Request for Deletion of Unauthorized and Unrecognized Hard Inquiries from My Credit Report Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to formally request the removal of several unauthorized and unrecognized hard inquiries from my credit report, as listed below : -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- - XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXXXXXX XXXX on XX/XX/XXXX -- -- -- -- -- XXXX. XXXX XXXXXXXX XXXX on XX/XX/XXXX -- -- -- -- - XXXX. XXXX XXXXXXXX on XX/XX/XXXX -- -- -- -- - XXXX. XXXX XXXX XXXX XXXX -- -- -- -- XXXX. XXXX XXXXXXXX XXXX  on XX/XX/XXXX -- -- -- -- -- - XXXX. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXX XXXXXXXX XXXX  on XX/XX/XXXX -- -- -- -- -- -- XXXX. XXXXXXXX XXXX XXXX on XX/XX/XXXX -- -- -- -- -- -- -- - I have thoroughly reviewed my credit report, and these hard inquiries are neither authorized nor recognized by me. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the legal right to dispute any information on my credit report that I believe to be inaccurate or unauthorized. 

According to the FCRA, credit reporting agencies such as TransUnion have a legal obligation to investigate and verify the accuracy of disputed information within 30 days of receiving a formal dispute from a consumer. If, during this investigation, TransUnion can not confirm the validity of these hard inquiries or provide proof of authorization, it is mandated by law to promptly remove them from my credit report. 

To facilitate this process, I kindly request that TransUnion take the following actions : Initiate an immediate investigation into the aforementioned hard inquiries to determine their legitimacy and authorization status. 

Provide me with written documentation that proves the authorization for each of these hard inquiries. If you can not provide such evidence within the stipulated time frame, kindly remove them from my credit report as required by law. 

Ensure that all future communication related to this matter is sent to my address listed above. 

I have enclosed a copy of my credit report highlighting the disputed hard inquiries for your reference. I trust that TransUnion will handle this matter promptly and in accordance with the law. 

Please be advised that failure to comply with my request within the specified time frame will leave me with no choice but to escalate this matter to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). 

I appreciate your prompt attention to this matter and expect a timely resolution. I look forward to receiving written confirmation of the actions taken by TransUnion in response to my dispute.
Consumer complaint received 2023-09-05
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)

On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.
Consumer complaint received 2023-09-06
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. (TX)

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (CA)

This account has been opened numerous times by this agency for a reported past due amount of {$100.00}. Multiple times this account has been removed, as it is not valid information, nor is it linked to any current open accounts. At this point this account has been opened fraudulently and does not belong to me. The most recent date is as of XX/XX/2023. No accounts have been authorized by me by this agency.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (VA)

I asked the company on XXXX XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations.

Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( Upstart XXXX XXXX, Upstart Network LLC ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a Truist account online with the promo code XXXX. The bank claims that upon two direct deposit of {$500.00}, totaling {$1000.00} within 90 days will allow a {$400.00} sign on bonus to be deposited into account. So far I have met all requirements and have yet to receive my {$400.00} bonus. Seems like false advertising
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX a credit in the amount of {$2600.00} was sent back to a XXXX XXXX service Trace # included in documents. This was made by Capital one to XXXX Company claims never to have received this credit. On XX/XX/XXXX Capital one acknowledges that the funds were never sent. in XXXX of XXXX which at that was a credit. So in XX/XX/XXXX they sent again the XXXX through the bill service as requested, at this time they added the XXXX to my Capital one balance. Why? As I waited again for these funds to reach the destination of XXXX. Once again never been credited for this. And this recent transaction doesnt have a trace #. If you look into all of the recorded calls starting on XX/XX/XXXX you will hear many many times that I will be receiving a credit for XXXX it will take 2 billing cycles. There are many recorded calls from many senior advisors that see the problem. And it seems that nobody can fix this. What is it going to take. It seems it was very simple to add the funds back to my card. Which was a XXXX credit in XXXX and it should have been a credit in XXXX thats the issue. Never received in XXXX resent in XXXX and added back to my card. But again never received by XXXX. Recorded call today XXXX the supervisor in collections saw the issue and couldnt fix. Its time that you take extra time and listen to these recorded phone calls. As they are the key to this financial mess that you have bestowed upon me and my family. 
As of today Im actively hiring an attorney and reaching out to the news station. And whoever will listen. As you have certainly done nothing to help the consumer. As you can see by all the documents that I have nobody has done anything to find these funds to look for these funds to Credit responds to my account. There are many many recorded calls and capital one does nothing to help nothing I receive letters I have nothing but lies from you and I will not go away, and I will continue to dispute his lies.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX REMOVE THE INCORRECT ADDRESS OFF MY TRANSUNION XXXX XXXX XXXX XXXX XXXX Please remove this illegal address of my credit report as I have never lived here. 

XXXX XXXX XXXX # XXXX XXXX, OH XXXX
Consumer complaint received 2019-08-15
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. (TN)

XXXX and Transunion are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX , XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is XXXX  and this debt has been released. Reporting a  collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 )  bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

I negotiated a settlement on my personal loan with OneMain Financial in XXXX of XXXX for a lower amount than what was owed on my account. OneMain accepted my payment and released the title of my vehicle that was used as collateral. I received my title and expected that the loan was settled as I was informed by OneMain. Two years later, I started to receive statements in the mail that notified me that I still owe money on the loan that was settled and that I was late on payments.

I immediately called OneMain in XX/XX/XXXX and reached XXXX XXXX at ext. XXXX at which I explained the situation and he informed me over the phone that it was a mistake and that the loan was in fact settled and that he would inform the settlement department to send a letter to confirm and remove the account from my credit report. Two weeks went by and I did not receive the letter or confirmation that the account and late payments were removed. I called again and spoke to XXXX 's superior where he informed me that they do not have record of the settlement and that I could settle the debt for {$4500.00}. Again, I settled the debt, received the title to my vehicle and do not owe anything on this loan.

To date, One Main has not removed this account and it is now affecting my credit score with late payments on a loan that I no longer have with them.
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

My loan lender is making it impossible to pay off my student loans before interest resumed. 

I made several online payments that did not go through. My bank said the issue was not on their end. Ed Financial could not provide me with an explanation as to why the payments were not working online.

I wanted to pay the balance off before the interest resumed. So I mailed a cashiers check. The check included my full name, account number, and social security number. The check was chased according to my Bank by Ed Financial on XX/XX/2023 and as of XX/XX/2023 the check still has not been applied to my account. 

I reached out to Ed financial and they claim they lost the check and can not find it. I sent them a copy of the cashed check. They still will not apply it to my account balance.

My loan is now incurring interest after 2 months of trying over and over again to pay it off. They still can not find the check that they cashed.
Consumer complaint received 2019-08-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.
Consumer complaint received 2023-09-06
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC (GA)

Roundpoint Mortgage bought my mortgage from XXXX XXXX. The only notification I got was one thing in the mail that I didn't open because I get all kinds of mortgage stuff that's XXXX  and one email in XXXX that they purchased my mortgage. My bill was on autopay from XXXX XXXX so that obviously ended when they bought it. I didn't notice that my mortgage wasn't being deducted because I have a lot of expenses for my work and my mortgage is relatively small so I didn't realize I wasn't paying. I only found out when they put my house in foreclosure and destroyed my credit score. I then looked into it and finally got in contact with them. They never sent me a single bill on email or actual mail. They never called me about the issue. They never sent me a foreclosure notice. Nothing but one item of mail when they first purchased it. They then claimed that the post office was sending back everything that they tried to send to me. I don't know how because they obviously were able to contact me with the initial email and the initial mail. They told me all the bills and foreclosure notices never made it to me and that it was my fault. They then charged me an additional {$1400.00} dollars for a foreclosure attorney to reinstate my bill and get out of delinquency. I have never missed a single mortgage payment so I was able to afford to pay the {$7700.00} to go current but had I not noticed this company would have foreclosed my house without ever contacting me. Only reason I found out is because my credit card company sent me a notice that my credit had dropped by XXXX points.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable. 

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, Capital One acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, Capital One did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided Capital One with the requested information however, they have not updated my credit report, as they indicated they would.