davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
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. (CA)

According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early  warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED  XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account Number # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Acciunt # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX   Account # XXXX Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, MO XXXX BYMAILONLY
Consumer complaint received 2024-08-17
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. (MD)

I am disputing the inaccuracies reported on my credit report, asserting that your agency, as a nonaffiliated third party, has violated several federal statutes. 

Nonaffiliated Third Party Violations : XXXX. Your agency, as a nonaffiliated third party, failed to notify me of your information-sharing practices and did not provide an opportunity to opt out before sharing my nonpublic personal information ( XXXX  ). This is a violation of 15 USC 6802. 

XXXX. Financial institutions are required to protect the confidentiality and security of consumers ' XXXX. This is a violation of 15 USC 6801 ( b ).

Reporting and Accuracy Violations : 3. Under the Fair Credit Reporting Act ( FCRA ), you must ensure maximum possible accuracy of the information reported. This is a violation of 15 USC 1681e ( b ). 

XXXX. You are required to conduct a reasonable reinvestigation of disputed information. This is a violation of 15 USC 1681i. 

XXXX. Furnishers of information are required to provide accurate data. Your agencys failure to ensure the accuracy of reported information breaches this obligation. This is a violation of 15 USC 1681s-2 ( a ).
Consumer complaint received 2018-08-11
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. (IL)

In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy and Discharged on XX/XX/XXXX. The main reason to filed for Chapter XXXX Bankruptcy was due to XXXX XXXX XXXX refusal to Modify my Home Mortgage. 

During the initial Chapter XXXX Bankruptcy procedures all payments stopped. The court and/or XXXX XXXX XXXX  assigned XXXX XXXX XXXX to serve my mortgage Loan Mortgage Number : XXXX. 

According to the 3 major credit bureaus, my credit reports indicate MORE than 120 days late payments. Of course affecting my FICO Scores tremendously. I am dealing with this issue since XX/XX/XXXX to  present. 

- I have explained my concerns and offered my criteria to XXXX. XXXX, did not believe it and declined my claims. 

- Also, I have disputed online, in writing and by phone the 120 days late payments report to the 3 major credit bureaus. The replies and/or explanation are difficult to understand and seems they are not personalized. NO CHANGES. 

- Personally, I have contacted by phone many times XXXX XXXX XXXX in XXXX XXXX, Florida. No changes in their belief system and procedures. 

- I am currently paying " XXXX XXXX '' a monthly and expensive fee to help me clearing the 120 days late payments and any other " delinquencies '' as legally possible. After few tries, no success with XXXX and either the 3 credit bureaus. 

Although, that Chapter XXXX Bankruptcy was officially Discharged on XX/XX/XXXX, still the " delinquencies '' that motivated the bankruptcy are reported and present in my 3 credit reports. 

My numerous requests to clear and update my credit reports have been disregarded. 

Please advise. 

Thank you very much. XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

A power of attorney which cancels all others and shall be provided in any situation from it creation. Along with written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that In accordance with the Fair Credit Reporting act. The List of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ) amount of {$6700.00} XXXX - account XXXX XXXX XXXX XXXX ) amount of {$4000.00} XXXX - account XXXX XXXX XXXX XXXX XXXX amount of {$5800.00} XXXX XXXX XXXX- account XXXX XXXX XXXX  XXXX ) amount of {$1400.00XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ) amount of {$3100.00} has violated my rights. 15 U.S.C. 1681 Section 602 A, states one has right to privacy. 15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without written consent
Consumer complaint received 2024-08-27
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (PA)

On about XX/XX/2017 I had a American Express Serve pre paid credit card I used for purchasing items and Renting automobiles at certain times, I actually lost the card and I contacted customer service as soon as I lost the card, They really gave me the run around for about 3 to 4 weeks, They also were suppose to send me a new card with my funds to be transferred onto the new card, but nothing happened. Money is still on the card there was {$2000.00} on the card, I am asking for the amount that was on the card. Thank You XXXX XXXX
Consumer complaint received 2018-11-28
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. (NV)

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX   XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXI XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2024-06-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (LA)

I knew that XXXX was transferring my student loan to EdFinancial. I have been making my monthly payments to the department of education via auto draft at {$200.00} a month since XXXX of XXXX. In XXXX of XXXX, I applied for a house loan and my credit score had dropped from upper XXXX to upper XXXX. Reason being that I now have an additional installment account on my credit report : XXXX with XXXX ( {$15000.00} ) and XXXX with EdFinancial ( {$15000.00} ). I do not have XXXX loans. I have XXXX. I emailed them on XX/XX/XXXX stating, I have been a part of XXXX and have made {$1400.00} worth of payments since XXXX of XXXX. According to my documents on EdFinancial, it says I still owe my original loan amount prior to those payments. When will that be applied to my EdFinancial loan? I also received an email on XX/XX/XXXX stating I was late on a payment. I emailed EdFinancial about both of these issues and their response was, You might also see delays and further updates to your eligible and qualifying payment counts as a result of the payment count adjustment.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AZ)

Experian will not release my credit report to me. States there was an " issue '' and to try again later. I continue to get this error over and over when trying to obtain my free annual report. The correct information was provided as it was the same information accepted by XXXX, etc. without an issue.
Consumer complaint received 2018-11-28
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 disputed the late payments on XXXX XXXX XXXX.. The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-11-27
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: CREDIT ACCEPTANCE CORPORATION (GA)

Between XX/XX/XXXX and XX/XX/2018 there were 7 different inquiries that posted to my credit report that I did not authorize. I sent letters to each company for an explanation and have not received any correspondence as of yet.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Using the Capital One website, my credit card that I have been using for years was closed by mistake. I immediately called Capital One to correct the issue and reopen the account. The customer service rep stated that this would not be an issue, and forwarded the issue to the team that investigates these issues. Soon after, I got a reply that they would not reopen the account.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

During the period of XX/XX/XXXX-XX/XX/XXXX, my checking/saving/select credit Accounts in HSBC were used for the following unauthorized transactions : {$4900.00} ( XX/XX/XXXX - wire transfer from checking ) {$4000.00} ( XX/XX/XXXX - wire transfer from checking, already credited back on XXXX ) {$5000.00} ( XX/XX/XXXX - wire transfer from saving ) {$8600.00} ( XX/XX/XXXX - wire transfer from saving, already credited back on XXXX ) {$2400.00} ( XXXX - electronic transfer from checking ) {$2400.00} ( XXXX - electronic transfer from checking ) The hacker also transferred {$4500.00} from the select credit account to my checking on XX/XX/XXXX in order to facilitate some of these unauthorized transactions. 

Origin : The E-fraud prevention team from HSBC bank called me on XX/XX/XXXX and wanted me to confirm some recent online activities on my accounts. I missed their phone call initially so I tried to call back that afternoon but the wait time is too long. I finally managed to call them back next morning on XXXX. The representative informed me my accounts was compromised. He went through the unauthorized transactions with me and said only the transaction of {$4000.00} can be recalled immediately and for the rest they will investigate and get back to me in a few days. 

Couple days later I am able to see one transaction ( {$8600.00} ) credited back to my account. I called them for a status on the remaining transactions and they are still working on that. That representative said it would take a maximum of 10 days to get me a final response otherwise will credit full amount back to my accounts. 

On XXXX, I sent a formal letter to HSBC headquarter in XXXX XXXX XXXXXXXX to notify them that I am a victim of identity theft and never authorize anyone else to use my accounts in any way. This is to protect me in case the bank said I never contact them in written statement about the matter. 

Afterward I called them a couple of times on XXXX, XX/XX/XXXX and XX/XX/XXXX to get a status for the remaining transactions, and every time I was told I need to wait few more days to finish their investigation. The last time we spoke on XX/XX/XXXX, they said they need 8-10 more business days to investigate!

Note : Attached is the formal letter I sent to HSBC headquarter using certified mail. The reference number of the case they opened for investigation is : XXXX - XXXX.
Consumer complaint received 2018-08-10
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. (NC)

I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my Experian and XXXX  credit report that i did not make, i've made several calls to XXXX, Experian and XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian and XXXX i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian, XXXX and XXXX is working together using my info TO OBTAIN CREDIT.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I did all this before by a nice conversation with someone regretfully i did not write down their name. 
Back in XX/XX/XXXX i started working with XXXX XXXX at Wells Fargo trying to get my payment lower as my savings in the bank with nothing left but monthly social security check. It was impossible to pay {$1200.00} a month with social check of {$1400.00}. 
So i was told not to worry she would send me forms and tell me documents to send. 
I did all that. She sent me an email XX/XX/XXXX that everything looked good, She is send it up to adjusters to get a mortgage payment of {$500.00} to {$900.00} and then i will start paying again. 
They sent be a Forclosure earlier this year and i got XXXX to represent me, There payment was to take {$750.00} every 3 months to get my payments down, Then they put my house on auction for XX/XX/XXXX. I Have Begged them to let me start paying every month but will not let me do anything. 

I was told get a trailer for $ XXXX.to {$350.00} a month 1-2 bedrooms. 
I NEED immediate help i am having XXXX XXXX and i do not know if i can live through another XXXX XXXX, Any suggestions. phone XXXX