davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is causing me undue stress, XXXX  and sleepless nights, as I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. This accounts transaction and charges are fraudulent, I never benefited from any of these transactions, but rather it did a lot of damage to me. I filed an FTC report as I was instructed and sent it in but these fraudulent items still remain
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2023-07-14
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. (SC)

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-07-14
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (IL)

This complaint is in regards submitted XX/XX/2023 # XXXX. Their responded case is closed even unfair practices they done to my mortgage. They pocketed the {$2100.00} no where posted on their ledger even copies of proofs was submitted. So they will do it again and again in all VA mortgages they solicit to their company in any states. 
Even the mortgage is closed records do exist on file.
Consumer complaint received 2016-09-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (AZ)

ADDITIONAL INFORMATION TO BE ADDED TO OUR COMPLAINT : See attached files XXXX and XXXX. 
Thank you. 
-- -- -- -- -- -- -- -- -- -- -- We dispute the remarks and information provided by Selene Finance in their response. The fact that they responded to you at all is worthwhile, since we wait and wait for them to respond to us. 
The loan was transferred from XXXX to Selene in XXXX 2014, not XXXX 2014. If the loan was transferred in XXXX, why did we make payments through XXXX 2014 to XXXX? The proof of the payments is included in the excerpts we have provided within the Selene Finance document. 
Furthermore, they are not complying with the repayment agreement, and we were in danger of non-compliance on the second payment, because they did not take out the ACH debit as they stated they would, and as we signed for. Were it not that we called them at the last minute and made a phone payment, they would have found us deficient in our agreement - because of their inaction. 
Please review the comments inserted throughout the attached Selene Finance response document as our dispute to their findings. Our resolution to this would be to have a complete and thorough audit of our account, between Selene Finance and us as the consumer, to fix this mess. It does not help that they provide a more thorough response to a complaint than they do to the actual person whose loan they service. 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 2nd 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 : 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 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 2023-07-14
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: Experian Information Solutions Inc. (CA)

Since XX/XX/2023, every month, XXXX reports to lenders that I am delinquent. This causes my credit score to decrease by XXXX points. Every month I called XXXX and asked about my account. This always tells me it is current, and some agents proceed to help me file a dispute. When the representative does not help me, I file the dispute through Experian or the Consumer Financial Protection Bureau. Now Experian will not allow me to dispute anymore. I have even paid extra money into my account. My next payment isn't due until XX/XX/2023. I added my payments so you can see I make payments before the due date. I also added the last 2 billing statements showing I have nothing past due. XXXX really needs to fix this because it is unfair for the false reporting.
Consumer complaint received 2023-07-14
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. (CT)

XXXX located XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, sc XXXX is still reporting an account that does not belong to me. I asked for validation and they came back to say the account/debt can not be validated. I asked for proof of signature for a legally binding contract between me ( XXXX XXXX XXXX ) , surety for the principal debtor XXXXXXXX XXXX XXXXXXXX and they do not have it. I asked them for my original security instrument that was used originally with another creditor in equity for the exchange of real property and they said they can not produce it. This company is still reporting inaccurate fraudulent information that is affecting my livelihood and I did not sign a contract to do business with them. I need this to be investigated and resolved immediately.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I received a notice from XXXX stating they was withdrawal XXXX from my account. It ask for a signature for withdrawal I didn't sign anything when I click on the email it stated thank you for your completed document but I didn't open the rest of it. They sent me 5 emails. The last time I had a XXXX account was years ago. I'm scared to log in This happened before and I closed the account. I just want make sure none of my personal account get touch. 
Sorry for all the screenshots
Consumer complaint received 2023-07-14
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. (GA)

I filed a complaint last XX/XX/2022 regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX  XXXX XXXX ( Collection ), XXXX  XXXX  XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on my report.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has not been compliant with my resent dispute against companies reporting on my profile. They are NOT MINE and need to be removed within 30 days or legal action will be sought out. They ( Transunion ) refuse to show me actual proof WITH SIGNATURES. They are also re-aging the accounts so they 're never removed ; which is HIGHLY against FCRA and other laws. The debts should NOT BE RESOLD or REINSERTED back on my credit EVER AGAIN. If they CA N'T provide the requested documentation then the records should be deleted IMMEDIATELY. The following companies are on my report inaccurately with account numbers attached : XXXX/XXXX ; XXXX/XXXX Also FALSE INQUIRIES should be Removed as well. Here are the following inquiries : XXXX/XXXX ; XXXX/XXXX ; XXXX XXXX ; XXXX/XXXX ; XXXX/XXXX Please see to It that they provide you and I with PROPER DOCUMENTATION WITH ACTUAL SIGNATURES. Once again if they CA N'T BE PROVIDED then these items should be DELETED PERMANENTLY. 

Thank You for your help on this matter!
Consumer complaint received 2016-06-03
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Citi Management Group, LLC (TX)

Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... please help..
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (PA)

Stonegate Mortgage has paid invoices submitted to them regarding my account without consulting me. Consequently, they have paid XXXX insurance agencies that are not my provider for an amount over XXXX. 
I wish to formally have the following happen : I am formally Disputing the invoices that lead to withdraws to my account Have Formal Investigation into all withdraws from my account I did not authorize any withdraws from my escrow receive all documents regarding withdraws from my escrow Refund all funds back into my escrow Correct my credit score from XXXX/XXXX/16 Refund XXXX extra charge given on XXXX/XXXX/16 I can be reached at XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I went to atm on XX/XX/2023 and made a cash deposit of XXXX dollars for up coming XXXX. The atm went blank after I made my deposit. I called the number on the atm to report the problem needless to say that they were closed due to the holiday. 
The next day I immediately filed a claim and complaint. I expressed how important my up coming XXXX was. I asked several times for the third party to go our and service the atm but all I got was the same script its a waiting period. I have been banking with Bank of America for over at least 10 years! I never expected such rude uncaring results! I will definitely be closing my account after this issue is resolved and take further actions.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am very disappointed with these credit bureaus, Experian, XXXX, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, Experian, XXXX, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report
Consumer complaint received 2023-08-31
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I applied for a loan and discovered that my credit scores at all three credit reporting agencies had dropped significantly. Upon further research I discovered that XXXX had listed a XXXX account had the status of charge off/collections. This was incorrect. I had closed my XXXX account and had paid the balance at that time. I received no notices from XXXX that there was a balance due or that the account was not in good standing. 

I called XXXX and they refused to speak with me about it. I filed complaints through each of the credit bureaus. At that point, a XXXX customer service rep did speak with me. She told me she had no information as to why it was listed as collections/charge-off and that the bill had been paid. She had a letter sent to me showing the account ( XXXX ) was paid in full. 

However, my credit score is still low with all three bureaus as XXXX has kept that status as collection/charge-off. I have attached a copy of the information I have from Transunion for the XXXX account, showing that I had previously disputed the information. The " Payment Status '' is listed as " Collection/Charge-off '' and the " Remarks '' section shows " payment after charge-off/collection ''. That is false. The account was paid in full when it was closed. 

The cost of the loan over the 30 year period was increased between {$30000.00} - {$60000.00} due to the inaccurate credit reporting, so I have been harmed. XXXX needs to deleted the trade lines with all three credit bureaus, or I will be forced to file suit to force them to delete the trade lines and recover the monetary damage they have caused me.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

OnXX/XX/XXXX, I disputed three items with TransUnion credit bureau ( File XXXX ) by telephone. I explained to the TransUnion customer service representative that I believed that these three items were added either fraudulently or mistakenly on my account. I truly believe that these are incorrect charges placed on my account and I expressed my concern and my request to have these items investigated by TransUnion and subsequently removed from my credit report. The representative explained to me that the investigation would take up to thirty days and that I can follow the procedure online through the TransUnion website. On XX/XX/XXXX only ten days later, the online portal revealed that the investigation was complete on all three accounts as verified, and that on XX/XX/XXXX the results would be placed on my credit report as accurate/verified. OnXX/XX/XXXXI called TransUnion customer service to request information regarding their procedures used to verify medical debt information. The representative claims that the only form of verification they use is the person 's name and address. I explained that that information could easily be incorrect or used by anyone. However after further questioning, the representative claimed that they also verified the information from my social security number. I explained that I felt that my HIPPA rights had been violated and that I never gave any authorization to any party to disclose my protected information. Then the representative told me that if I was dissatisfied with the results of the investigation, I would have to re-dispute the items. I have tried my best to work with TransUnion directly to resolve my issue, but I feel as if they are not trying to help me resolve this. However, I submitted the same disputes with XXXX credit bureau and two items were quickly deleted. Why is it that TransUnion would refuse to remove these items? Is there some form of discrimination being used?
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2017, XXXX XXXX visited ToysRUs at XXXX Mass ( XXXX XXXX XXXX, XXXX, MA XXXX ), the clerk at the checkout counter coerced her into applying the XXXX credit card regardless of her unwillingness. She is a ID Theft victim and her credit files are frozen since last year. The clerk and manager pressured her to apply, stating ( incorrectly ) that it was an internal credit review without involving credit bureaus. 

As a result of this application ( which was immediately declined due to credit freeze ), Her husband had XXXX fraudulent applications with AE Outfitters and TJ Maxx with the same Synchrony Bank ( on XX/XX/2017 ). Both of us ( XXXX/XXXX ) were fraud and ID Theft Victims and ToysRUs disregarded our situation and still forced XXXX to apply that resulted in additional fraudulent offenses with Synchrony Bank. Even though no negative financial impacts occurred due to the credit freeze of XXXX/XXXX. This is the most frustrating and XXXX experiences for both of us. 

We demand an apology from ToysRUs as well as financial compensation for our emotional loss and XXXX.