davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-03
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. (MI)

I am writing to formally request the blocking and deletion of an account and several inquiries from my credit report due to being a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The following account is to be addressed : Unauthorized Account : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-11-02
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. (CA)

The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I requested the 1099 for this supposedly charged off account ( XXXX XXXX ) & received absolutely nothing. The account status was then changed so I requested validation of the debt and still received nothing. It has been over 90 days now and still no response. Balance was only changed.
Consumer complaint received 2023-02-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (SC)

On XX/XX/XXXX I spoke with XXXX XXXX letting them know that the dates on the last statement I received are incorrect. XXXXXXXX XXXX charge me for bills at a property I wasn't residing at. I moved out on XX/XX/XXXX, my eviction was scheduled for XX/XX/XXXX, XXXX XXXX has me moving out XX/XX/XXXX charging me XXXX in bills I wasn't using. This is unacceptable and unprofessional.
Consumer complaint received 2018-08-23
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. (TX)

So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 reports.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXX  acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXXXXXX stating I had a XXXX balance on this above mentioned account when XXXX transition or XXXX call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls
Consumer complaint received 2024-11-02
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. (NJ)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXX acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXX stating I had a XXXX balance on this above mentioned account when Equifax XXXX  or XXXX call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Land Collections, Inc. (UT)

Mountainland Collection is reporting 2 accounts on my credit report and I never received a notice. The min I saw it on my credit report I contacted them and took care of it. 
This bill was already paid by my insurance and should have never went to collection in the first place. If I had got a notice I would have took care of it immediately.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER SPS " SELECT PORTFOLIO SERVICING '' AND WAS RECENTLY DENIED DUE TO IT IS NOT IN THE FINANCIAL INTEREST OF THE INVESTOR OF MY LOAN. I WANT TO BREAKDOWN THE SEVERITY OF THAT STATEMENT. 

THE REASON MY HUSBAND AND I ARE DELINQUENT IS DUE TO MY BROTHER-IN-LAW WHICH IS THE THIRD CO-BORROWER OF THE LOAN PASSED AWAY WHICH MEANS OUR INCOME FOR THE HOUSEHOLD DECREASED KEEPING US UNABLE TO MAKE THE MORTGAGE PAYMENT AT THE TIME. 

IN ADDITION, THE INVESTORS FINANCIAL INTEREST IS TO NOT MODIFICATION MY LOAN BECAUSE THEY WANT TO TAKE THE EQUITY OF OUR HOME. MY HUSBAND IS A XXXX XXXX XXXX XXXX MAN AND SPS AND MY INVESTOR THINKS I AM GOING TO JUST LAY DOWN AND LET THEM STEAL MY HOME BECAUSE THAT IS EXACTLY THEIR INTENTIONS. THEY STATED THAT THEIR INTEREST IS NOT HELPING US BECAUSE WE HAVE EQUITY AND THEY WILL RECEIVE A FINANCIAL GAIN BY JUST SAYING NO TO US TO TAKE OUR EQUITY. IT HAS NOTHING TO DO WITH OUR INCOME, OUR FINANCIAL HARDSHIP, DEATH IN THE FAMILY AND THEIR CO-BORROWER JUST MY EQUITY. I AM FILING A COMPLAIN WITH THE FTC, MY STATE ATTORNEY GENERAL XXXX XXXX INFORMING THEM THAT YOU ARE PREYING ON XXXX SENIOR CITIZENS FOR FINANCIAL GAIN. THIS IS COMPLETELY OUTRAGEOUS!! IF YOU THINK YOU ARE GOING TO COLLECT MY PROPERTY FOR YOUR FINANCIAL GAIN YOU HAVE ANOTHER THING COMING, I WILL SUE EVERYONE OF YOU FOR EVERY FRAUDULENT VERBIAGE AND LAW BROKEN.
Consumer complaint received 2018-08-23
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: JPMORGAN CHASE & CO. (TX)

So I get this alert today from the Credit Bureaus that a new Hard Inquiry was added to my credit reports. And Im curious on how they got there because I have not applied for any kind of credit or credit card. Im flattered how the Credit Bureaus allowed this to hit my report when I have my credit reports locked. 

I assure you 100 % the hard credit inquiry that hit my credit report today was not done by me and I will continue to file complaints until it is removed from all 3 reports.
Consumer complaint received 2018-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC (CA)

On XX/XX/XXXX, XXXX and I reached an agreement to pay off my two loans in full. Agreement were reached for two accounts that I have with XXXX. Pay off for the first account ( Contract # XXXX ) was for {$300.00} and the second account ( Contract # XXXX ) was for {$360.00}. LendUp received the two payments by their e/mail dated XX/XX/2018 to me for both accounts. Can't closed second account because it still shows a balance {$1.00}. Tried resolving issue with XXXX on XX/XX/2018 by phone and was unsuccessful.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Santander Consumer USA Holdings Inc. (AL)

XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER U was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-11-02
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)

The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report.
Consumer complaint received 2018-08-24
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 — Investigation took more than 30 days
Company: AES/PHEAA (TX)

After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

During XX/XX/XXXX a new account with XXXX was reported twice. I only have one new account with XXXX. This affected my credit score that decreased one point. Also, XXXX-XXXX   decreased my credit limit but I was not informed. This information maybe wrong with Experian.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-11-03
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)

XXXX XXXX # XXXX XX/XX/year>. This cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that TransUnion LLC Block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and inaccurate false information consists of personal credit cards opened at XXXX XXXX and XXXX XXXX  with balance of {$320.00} and {$710.00} that appears related to the aforementioned personal credit cards. These accounts have resulted in several fraudulent chargeoffs and collections appearing on my consumer Fico credit report i don't recognize these fraudulent accounts and chargeoffs as reported. These accounts were not opened by me. I have attached copy of Ftc identity Theft Affidavit plus attorney General complaint plus XXXX  and XXXX complaint.
Consumer complaint received 2018-10-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AL)

I have requested that my mortage company MTB remove the pmi from my account since the loan was originally signed in XX/XX/XXXX. This would allow me to drop pmi if 80 % of the original value and loan in good standing. Currently my mortgage company quoted me this " Message Details To reply to this message, click Reply. To delete this message, click Delete. 
Send a Message| View Secure Messages Message DetailsDateXX/XX/XXXXFromXXXX - M & T Customer ServiceToXXXX XXXX XXXXSubjectRE : RE : Mortgage PaymentsMessageDear XXXX XXXX XXXX , Thank you for your inquiry. 

Please be advised, I have confirmed your loan does not yet qualify for early termination of Mortgage Insurance ( MI ). To qualify for early termination of the mortgage insurance, your loan must be at least five years of age with a Loan to Value ( LTV ) of 78 % and no payments more than 30 days late within the prior 12 months. Since the XX/XX/XXXX was more than 30 days past due, we are unable to accommodate the request to remove the mortgage insurance according to the Department of Housing and Urban Development 's ( HUD ) requirements. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX. 

Sincerely, XXXX XXXX Mortgage Customer Support Retail Loan Servicing '' My loan is already at 80 % and they are in violation of the fha line terms. My original loan amount is XXXX. I am currently at XXXX.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have contacted the credit bureaus multiple times about these XXXX accounts from XXXX XXXX. These accounts are incorrect! There should only be XXXX account and the balance isn't correct. I have sent proof of payment to the bureaus but they continue to allow this company to ruin my credit report. This has cost me thousands of dollars in interest & has been going on way too long. 

I will be forced to file a formal complaint with the FTC shall they continue to operate disregarding the law. I also intend to seek redress in civil action for recovery of damage, costs, and attorney fees. 

For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from them.
Consumer complaint received 2018-10-29
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-23
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. (TX)

I contact TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX
Consumer complaint received 2018-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (DC)

I recently switched bank accounts and didn't remember to update my PayPal account with new info. As such it temporarily went into a negative balance ( tried to withdraw from my old account which was denied, plugged in new account like the next day, withdrew from new account, all is well ). 

An unknown number called me this morning with a very serious person telling me they were calling to collect a debt owned by me to PayPal. I told them I had already paid and the balance is showing up as " pending '' on my PayPal account. They told me I was wrong and I needed to pay right now - so I just hung up. 

Trying to collect a debt in such an aggressive manner is one thing, but trying to collect a debt that has been paid already and trying to argue over that is not good.
Consumer complaint received 2018-08-24
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. (TN)

Transunion has failed on multiple occasions to properly conduct and investigate/re-investigate errors on my credit report over numerous attempts sent to them by certified mail. Specifically failure to correct incorrect and unverified information. As of XX/XX/2018 the following bellow unverified/re investigate requests have not been properly made by Transunion XXXX XXXX This account was paid through XXXX XXXX   the previous bank that owned the account. I have asked the creditor and the credit bureau to provide physical proof of this debt on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being unverified. None of my on time payments are showing on this account. 

XXXX XXXX XXXX The payments on this account have been changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time Transunion says the account has been verified. Clearly it is unverified because the payment history changes every month. 

These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Transunion has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that these specific and unverified information be corrected immediately!
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Breach of Personal Information Notification Dear TransUnion Dispute Department, I am writing to formally address a serious concern regarding the unauthorized sharing of my personal information without my consent, as defined under Section 18.2-186.6 of the Virginia Code . 

It has come to my attention that there has been a breach of the security of your system, which involves the unauthorized access and acquisition of unencrypted and unredacted computerized data that compromises the security or confidentiality of my personal information. This situation not only violates my privacy rights but also poses a significant risk of identity theft and other forms of fraud.

As a resident of the Commonwealth, I am deeply troubled by the potential consequences of this breach. I request a detailed explanation regarding how my information was accessed, the specific data that may have been compromised, and the measures being taken to rectify this situation. Additionally, I would appreciate information on how you plan to notify affected individuals as required by law. I will continue to file complaints with the CFPB, FTC until this account is removed from my credit report. Your company has ignored all of my disputes, and reporting misleading information. 

I expect a prompt response to this matter, as it is crucial for me to understand the steps being taken to protect my personal information and prevent further unauthorized access. 

Thank you for your attention to this urgent matter. I look forward to your swift reply. 

Sincerely,
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.