davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
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. (AZ)

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 


Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX BANK - XX/XX/year>
Consumer complaint received 2024-11-21
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 a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NY)

I disputed with Experian multiple times concerning the false public records being reported to my credit history. I explained that the public records are identity theft and filed a police report and Id Theft Affidavit. I called Experian and they said that because it is a matter of public record they cant do anything to rectify the situation. Experian Also explained that I was to take my actions to the XXXX Bankruptcy court and ask them to remove these Bankruptcy filings and unauthorized inquiries from my credit history. 

It is my hope to get this Identity Theft issue resolved once and for all but to this day I am still receiving unwanted unauthorized inquiries on my credit report. I have never been in a bankruptcy and I have never filed bankruptcy ever ; I would like to get these public records deleted from my credit history so they stop causing me hardship. 

Experian states that these bankruptcy remarks are a matter of public record and can not be removed unless through the data furnisher itself. Which is why I went to the XXXX Bankruptcy court and obtained a copy of the bankruptcy filings. That is when I noticed that the bankruptcy filings Experian is now reporting on my credit file contain inaccurate information that is clearly not me. My name was spelled wrong on both bankruptcy filings and the social security number is not even valid. It is clear to me that I am a victim of an impostor playing harsh pranks on me and that Experian is reporting false public records of someone else who did a bankruptcy filing. 

The bankruptcy court will not allow for me to remove these public records stating that I must first verify the identity of the person on the filing. This is impossible because my name is not the person on the filing so can not be verified for the XXXX Bankruptcy Court to expunge from the records. 

As you can see no matter which way I turn for help to remove the Bankrupcy Public filings they are still being reported. Experian reports false information that I am unable to remove from the bankruptcy court records. 

I am not sure why removing the false records would cause anyone harm because the bankruptcy items being reported were dismissed bankruptcy filings that never went to fruition. The only person receiving grief from the incident is me as I would be rejected from additional credit providers due to having filed bankruptcy. Creditors do not care that it was dismissed they only care it was filed and reject my credit applications instantly for that fact alone. This information is damaging me and must be rectified somehow. 
The accounts that should have been deleted and/or removed from Experian are as follows : ID Number : - XXXX BANKRUPTCY COURT/UTAH XXXX US BANKRUPTCY COURT/UTAH XXXX Unauthorized/fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TECHNOLOGIES
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-11-21
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. (NC)

XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$780.00} XXXX inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-10-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (FL)

I applied for the Barclays Arrival Plus card on XXXX XXXX, under what I believed to be a 0 % introductory APR for 12 months on all purchases. In reliance on that perceived 0 % APR, I spent approximately {$8000.00} on the card while paying down other cards. I was shocked to review my statements and find that I had been charged {$130.00} in interest over the past XXXX statement cycles. The statements made no mention of the 0 % APR I believed I had applied for. 

I called Barclays customer service and spoke to XXXX. She claimed that the Schumer box on my application made no mention of an introductory APR for purchasesXXXX I always read Schumer boxes, and would not have applied for the card if the box indicated otherwise. XXXX claimed the burden of proof was on me to provide a screenshot of the box on the initial application - a ridiculous standard. No consumer should ever have to systematically record every interaction with a financial institution in anticipation of being deceived! 

There are XXXX possibilities here. The first possibility is that the Schumer box did mention a promotional APR of 0 %, but a glitch in the system at Barclays led this to drop off the application. In this case, I am clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. 

The second possibility is that the Schumer box did not mention a promotional APR on purchases, but that the marketing materials for the card were in some way deceptive or abusive. In the case of a XXXX violation, I am also clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. 

I have attached the application landing page currently used to promote the card. In bold font, this page clearly calls out a " 0 % Introductory APR for 12 months. '' Additional copy mentions that the offer only applies to balance transfers made within 45 days of account opening. But the use of bold font, combined with the exact phrase " 0 % Introductory APR for 12 months, '' XXXX strongly imply that the promotional APR applies to purchases as well as balance transfers. I believe this meets all XXXX prongs of the test of Deceptive Practices per XXXX regulations:1. The act or practice misleads or is likely to mislead the consumer ; ( I have clearly been mislead in some way, since I reasonably believed I had a 0 % promotional APR on purchases. ) 2. The consumer 's interpretation is reasonable under the circumstances ; XXXX I develop similar XXXX assets for a living and am well-versed in XXXX compliance, and have never had a negative experience with another bank or card issuer until now. ) 3. The misleading act or practice is material. ( I have been charged {$130.00} in interest, and would be charged over {$1000.00} in the next year given my current balance. ) I would encourage a full audit of all marketing assets used to promote this card, and demand appropriate resolution of my case.
Consumer complaint received 2024-11-22
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX  XXXX Balance : {$23000.00} XXXX  XX/XX/year>
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.
Consumer complaint received 2015-09-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (WA)

Over 8 years ago I was a XXXX XXXX customer. Upon closing our account I paid the balance owed and returned the equipment. In the past three months XXXX XXXX has sent a request to XXXX different collection agencies to attempt to collect {$120.00}. I do n't know what this debts about. Even if it was my debt ( which it is n't ), the State of Washington has a 6 year statue of limitation for contractual debts.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MN)

I attempted to order my free credit report from Equifax both via the website XXXX and also via telephone. Suspiciously both times I was rejected due, according to them, the inability to verify my identity. When I tried to obtain the report using the paid service on their website I had no trouble obtaining the report. This seems suspicious that I could obtain it one way but not the other. I was also charged for my Equifax report for {$1.00} and also for my 3-bureau report for {$39.00}. I only received the 3 bureau report, which means I was charged an extra dollar for a report already included in the upgraded version.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NC)

I disputed an item on my Experian credit report, reported by XXXX XXXX which has been sued by NC Attorney General the CFPB, FTC and several States for trying to collect money on loans that consumers did not owe. Even after i supplied Experian with all the supporting documents they refused to delete this item. They sent me a letter stating that they would not investigate this item any more. What else do they need.
Consumer complaint received 2024-11-21
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. (GA)

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-08-14
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. (SC)

I XXXX with this company XXXX times in the past, on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Every attempt to fix this situation has gone undone. This company keeps sending back results stating " verified '' yet its still inaacuries that appear month after month after month. This company is in violation of XXXX XXXX XXXX ( XXXX ) ( A ). I asked that this company remove the following accounts from my file immediately. See attached Evidence
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CO)

This is not directed specifically at Residential Credit Solutions ( RCS ), XXXX XXXX, Texas, rather the regulations as outlined in RESPA and the spirit behind the mortgage transfer rules. 

My loan has been transferred to XXXX. RCS sent a letter dated XX/XX/XXXX. The letter arrived at my residence on XX/XX/XXXX. The transfer to XXXX was effective on XX/XX/XXXX. The notification by RCS of my transfer arrived just 9 calendar days ( not work days ) before the transfer. 

In the response that I received from RCS, they claimed that the letter was mailed on XX/XX/XXXX and that they are not accountable for transit time via the U.S. Postal Service. 

Unfortunately, RCS sends their letters presorted, so there is no/no postmark that is recognizable to me. It is incredulous to think that a letter required XXXX calendar days to reach my home. By way of example, I received a letter from RCS on XX/XX/XXXX that was dated XX/XX/XXXX. That took only six ( 6 ) calendar days. 

The spirit behind RESPA is to ensure fair and reasonable treatment by mortgage servicing companies. Receipt of notification that my mortgage would transfer to another company XXXX calendar days before the transfer is unsatisfactory. 

As a consumer, a minimum notification of 30 calendar days in advance ( letter in hand ), seems reasonable and fair. If this requires a mortgage servicing company to send the letter 45 days in advance ( 15 days transit time ), then that should be the rule. 

By the way, this is the XXXX mortgage servicing company that I have had since the mortgage was originated in XX/XX/XXXX/XX/XX/XXXX. Hard to believe that In 3.5 years, I 've had XXXX different companies. It took months to resolve issues with RCS and I suspect the same with XXXX.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately.
Consumer complaint received 2015-09-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

My home was foreclosed on over 7 years ago. I worked for the lender that did the mortgage and lost my job in the financial crisis. I have been disputing information on my credit file for years to no avail. The bank ( Wells Fargo ) is reporting XXXX loan multiple times as well as a collection agency that is reporting the same loan so essentially I a being hit XXXX times for the same mortgage. I have also waited the 7 years statute of limitations and the trade-lines are still being reported on my credit file. I have disputed multiple times with both the lender and credit reporting agencies
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

Equifax , XXXX and XXXX has been dragging their legs on correcting my credit report stemming from an identity theft that was a comitted against me back in 2008 resultng in a state tax lien which the State of Louisiana has no record of in their records and have repeatedly asked the credit reporting agencies to remove to no avail. I am at a lost to why this matter has not been resolved for all of these years when even the state of Louisiana has stated and requested that this information be removed has they have no record of a tax lien be placed against me, I dont know what else to do about these credit reporting agencies who remain to cause me great hardships with dealing with this matter and i am at my wits end. Why must i continue to be victimized by these XXXX giant companies who have allowed not only id theft to be commited but also have not removed numerous inquiries from years and have put alerts on my credit file as well preventing me from even remotely from attaining any kind of credit on my own. They seem to ignore any attempts for correcting this matter, Ther are XXXX other creditors as well who have sent them request as well to remove items from my report ( XXXX XXXX XXXX account number ending in XXXX, tel # XXXX ) ( XXXX by way of XXXX a collection agency account number # XXXX tel # XXXX ) XXXX, Equifax , and XXXX should remove these items immediatley or be held accountable, this has been going on since 2008 and remove all of those inquiries and alerts and allow me to finally have credit of my own like every other American trying to live the american dream.
Consumer complaint received 2016-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Senex Services Corp. (NJ)

Senex Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number
Consumer complaint received 2015-09-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC (CA)

For the past couple months we were notified by our mortgage company of increased mortgage payments to be paid right away due to the lack of calculation on their part in our property taxes that resulted to delinquent taxes they they just paid to the accessors office. Now they are penalizing us by tremendously increasing our mortgage payment not once but XXXX in the last 2 months. Our regular mortgage that we been paying for the past 3 years is in the amount of {$1900.00} which was last paid XXXX XXXX, 2015. The first increased payment was paid in the amount of {$2600.00} on XXXX XXXX, 2015. We called Pacific Union Financial numerous of times trying to find out why our payment had increased, which i was not getting anywhere with their reps and left a message for a tax specialist within their dept to call me. This past weekend we received ANOTHER mortgage statement of an huge increasement in the amount of {$3500.00} to start on XXXX XXXX, 2015. We spoke to a manager and they gave us two options that we do not agree with and those options were to spread the shortage amount in 24 months which will low our monthly mortgage to XXXX a month, which we still can not afford. Second option, is to redo our loan and start over, in which we disagreed to that as well.
Consumer complaint received 2015-11-22
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at ACE Cash Express. 

I have prepared a request for debt validation to be mailed to XXXX XXXX XXXX on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.
Consumer complaint received 2015-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Mid-Atlantic Consumer Services (UT)

I received a voicemail from XXXX which in number search appears to be a cell phone. The message left states the following ( the beginning appears to have been cut off ) : '' ... office of MACS. This call is in regards to a possible check protest claim that is scheduled to be placed against your name and social security number. If placed, it could affect any current banking you may have. Please take this opportunity to fix the matter as once it is placed it can not be retracted. Our phone number XXXX. Once again the number XXXX. " I have reported this to the local news authority that keeps track of consumer scams. I have read information online that seems to point this out as an identity theft scam.