davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

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

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

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

This fraudulent, inaccurate, and false information consists of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

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

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

This fraudulent, inaccurate, and false information consists of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

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

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

I received a letter from Professional Placement Services LLC dated XX/XX/XXXX stating I owed them money for a medical debt. I checked my credit report and did not see any debt collection on it and believe it is not mine so I sent them a debt validation letter per FDCPA law 15 USC 1692g Sec. 809 ( b ) on XX/XX/XXXX. I also informed them in the letter that under the FDCPA and FCRA laws it is a violation if they report this inaccurate account to any of the credit bureaus. On XX/XX/XXXX I received and email alert from XXXX XXXX that new information was just added to my credit report. I signed in and saw that Professional Placement Services LLC added a negative collection account to my credit report. They still have not responded to my debt validation letter and they illegally placed this account onto my credit report.
Consumer complaint received 2024-08-08
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. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
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: Experian Information Solutions Inc. (NV)

I recently reviewed my credit report and noticed some hard inquiries that do not appear to have a permissible purpose. 
The specific inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX XXXX XXXX. 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally dispute the presence of unauthorized credit inquiries on my credit report. I have reviewed my recent credit report and found several inquiries that I did not authorize. These unauthorized inquiries are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my permission, and I have no record of having applied for credit or given consent to these entities to perform a credit check. Unauthorized credit inquiries can negatively affect my credit score and may be a result of potential identity theft or fraud. 

I request that you immediately investigate these inquiries and remove them from my credit report if they are found to be unauthorized. Please provide me with written confirmation once these inquiries have been removed or provide a detailed explanation if you find otherwise. 

In addition, I request a copy of my updated credit report reflecting the corrections made. Please notify me of any findings or additional actions needed on my part.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is a collection account called XXXX XXXX XXXX XXXXXXXX on my credit report that I do not recognize. Please delete this account of my credit reports because I do not believe that Im legally responsible for this account. Im going to upload my Massachusetts ID card and my Social Security card to verify my identity.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Now that XXXX has released all our information all over the world, I tried to put a " Security Freeze '' on the 3 bureaus. I was successful at XXXX and XXXX but TransUnion not. I took me click after click on the internet on links that kept bringing me to their pay services. When I finally reached a page it wants me to register. Since one bureau already shared my information across the globe I care not to even register. All I want is my credit frozen. On top of it, I have been on the phone on hold for over 15 minutes and can wait no longer. 1 - This should not be so difficult. 2 - They only seem to want your money 3 - We should be regulated like XXXX 4 - I and my spouse both need to have our credit frozen 5 - I also am going to write my Congressional and Senatorial representation and even though not mine, XXXX XXXX. This is more than ridiculous we are putting the heart of America at risk for  disaster for short-term gains by the few. How can I get our Credit Frozen and when. Thanks, XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My account with XXXX, XXXX XXXX XXXX, & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

My loan servicer is Great Lakes Loan Servicing. Upon timely applying for renewal of my income based repayment, Great Lakes sent an email to my wife to confirm that she was also receiving income and to sign a form. This email went to spam. All other information was timely provided, including all needed information to process my income-based repayment request. Instead of approving the request or otherwise reaching out, Great Lakes immediately capitalized over {$10000.00} in interest and would not remove it when I provided evidence that the requested information was timely filed.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Mortgage merged with XXXX XXXX XXXX. They suspended credit reporting last XXXX due to their merger, and they have told me they would resume reporting by XXXX XXXX. All payments have always been made right on time at the first of every month. My credit reports still show XXXX Mortgage with the last payment date of XXXX XXXX, XXXX and the balance as of last XXXX. I have repeatedly attempted to correct this via both email and telephone. XXXX XXXX is either unwilling or unable to report my payment history and balance correctly. My latest credit reports dated XXXX XXXX remain incorrect, with no history since last XXXX XXXX!
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (GA)

On XX/XX/XXXX I logged into my XXXX credit card account to make my regular monthly payment that was due on XX/XX/XXXX. When I went and checked the account on yesterday for a recent charge, I noticed that I had received a late charge even though my payment was made on its actual due date. I called XXXX customer service this morning Monday, XX/XX/XXXX and advised them that a late fee have been applied in error. I spoke with a representative named XXXX. XXXX was not empathetic at all and told me that he would not be able to reverse the late fee for me. I explained to him that my payment was made on time and that I believe that it was illegal of them to charge a late fee when the payment was made on the date that it was due. XXXX advised that because the payment was made after a cut-off time of XXXX XXXX CST that my payment was considered late. I advised him that I was not aware of a cut-off time for making your payment and that if I was only an hour late of the alleged cutoff time, I still believe that that warranted a late fee waiver. XXXX said that no it did not and was not empathetic. I then mentioned that I was going to have my bank pay off this credit card account and that I would be submitting this complaint. XXXX then transferred the call to his manager, XXXX and proceeded to discuss the situation with me. XXXX was also not empathetic and did nothing to resolve the situation. He refused to waive the late fee.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My information was not secured properly by the company that is essentially telling other companies how trustworthy I am. After they became aware of the security breach, they waited for one month to report the information leak. I do not trust them to continue to act ethically with my information.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

The mortgage company returned {$1200.00} around XX/XX/18, stating that it was due to partial payment. I then sent {$2100.00} to Wells Fargo on XX/XX/XXXX, delivered XX/XX/XXXX Via on-line banking and it was returned electronically to my bank XX/XX/18 {$1100.00} XXXX  XXXX XXXX and {$1000.00} to XXXX XXXX XXXX XXXX XXXX. I then sent {$2000.00} via on-line banking on XX/XX/2018. So far that has not been returned but I received a statement overdue payments are from XX/XX/18-XX/XX/18. Attached are all the payments that I have made for 24 months which includes the dates in question. I am now receiving communications from law firms regarding a sale of my property and a phone call from a gentleman ( XXXX XXXX on XX/XX/18 who wants to give me papers from the XXXX XXXX XXXX office ( voicemail was left ). I have not received any correspondence regarding the official sale of property.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I purchased TransUnion credit score monitoring all in 3 report. At that time I placed a security lock on my credit file for XXXX. When I logged in on XX/XX/XXXX it was stating that the the service for XXXX was temporarily down. I have not been able to unlock the XXXX report through TransUnion and it is preventing me from doing things with my credit. I have called TransUnion multiple times to get this fixed and they are of no help. They provide NO case numbers so that when I call to follow up, no one knows anything. I was then told it was a technical error, and it needed to be escalated. My subscription with XXXX  cancels onXX/XX/XXXX and I am TERRIFIED that this will never be resolved. My patience is now taxed and the language barrier with the customer service representatives makes this experience even worse. All I want is my credit report UNLOCKED for XXXX through the TransUnion site. This should not be this difficult. It has been saying for almost a month that XXXX is temporarily down.
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

On XXXX XXXX my home was a total loss due to fire ditech ( green tree ) has continually harassed me with foreclose notices, giving me wrong payoff amounts, charging me wrong inflated amounts, now they are holding my overage money for 30 days so they can collect interest on it form there banks my family has no where to live and no food nothing!!! These people are Complete CROOKS!!! They need to be stopped they have been sued before they need to be shut down NOW!! Please help they are stealing from me left and right please stop them if there are any class actions against them please let me know, each person that works for them are JUST as guilty and need to be held accountable.