davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to request the correction and update of my personal information as reported by your credit reporting agency under the Fair Credit Reporting Act ( FCRA ). The personal information that should be reported is as follows : - **Full Name : ** XXXX XXXX XXXX XXXX Address : ** XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX **Date of Birth : ** XXXX - **Social Security Number : ** XXXX Please ensure that only this information is reflected in my credit file. If there is any other information present, I request its immediate removal. It is crucial that my credit report is accurate, complete, and up-to-date. 
I expect this information to be updated immediately and request written confirmation once the changes have been made. If you require any further information from me to facilitate this request, please contact me at your earliest convenience. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2017-01-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Lustig, Glaser & Wilson, P.C. (MA)

I RECEIVED A COURT DOCUMENT ON XXXX XXXX, 2016 STATING I HAVE A MAGISTRATE HEARING ON XXXX AT XXXX XXXX. I CALLED THE COURT AND THEY TOLD ME TO CALL THE ATTORNEY THAT IS ON THE PAPER ( XXXX ). I CALLED AND SPOKE TO XXXX XXXX AT XXXX XXXX. WHEN I SPOKE TO XXXX I WAS ASKING IF HE COULD SEND ME ANY DOCUMENTS THAT HAD MY NAME ON IT. HE STATED THERE WAS ONLY STATEMENTS. I ASKED IF HE COULD SEND EVERYTHING WITH MY NAME ON IT IE THE SIGN UP OF THE CC AND MY SIGNATURE, THE AMOUNT OWED AND HOW THEY GOT THAT NUMBER, WHAT WAS BOUGHT, THE DATE THE DEBT BECAME BECAME PAYABLE, BASICALLY ALL INFO THEY HAD AND THE GUY TOLD ME HE WOULD PUT IN A REQUEST TO SEND OUT COPIES OF MY STATEMENT BUT THATS ALL AND IF IT SENDS IT SENDS AND IF IT DOES N'T OH WELL. HE WAS YELLING AT ME AND MADE ME FEEL VERY UNCOMFORTABLE WHEN I JUST WANTED VERIFICATION AND WHAT WAS GETTING BROUGHT TO COURT HENCE THE FIRST TIME OF HEARING OF THIS DEBT.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

This is the third company that has tried to collect on this debt. Each time the amount of money they say I owe increases hundreds of dollars. I have contacted XXXX each time someone tries to collect this debt and they say they have no idea that I DO NOT OWE THEM MONEY NOR HAVE I EVER HAD ANY ACCOUNT WITH THEM. they say that they never placed my account for collection. I have sent two validation demand letters to this company demanding that they show me proof that I owe this money, since XXXX themselves have no idea about the debt. The have ignored each request. I have sent a cease and deceit letter and yet they still call me. They had thirty days to provide validation which they refuse to do. I gave them two chances they refused. I sent a letter demanding they stop calling and they said when they called that they do n't have to abide by that letter. They said I owe the money and that they will either sue me for it in Florida forcing me to drive there to defend myself since I live I Ohio or they will press criminal charges against me for fraud and just have me arrested. Everything about this is illegal it violates the Fair Debt Collections Practice Act and the Fair Credit Reporting Act. They are purposefully re aging this account by selling it back and forth so it stay on my credit report.
Consumer complaint received 2024-11-12
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. (TN)

The credit bureaus will not validate any of the accounts, I have asked several times to correct my personal information, and all they do is send me letters stating I may be a credit bureau without permission to work on my credit.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX  XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX  XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my XXXX XXXX and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-08-31
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX XXXX.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My loans transferred from XXXX to XXXX in XX/XX/year>. XXXX was paid off XX/XX/year>. They refuse to remove the balance from my credit report. I have the same account in my credit report twice. This is causing my debt to income ratio to be very low.
Consumer complaint received 2024-09-01
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. (DC)

That on XX/XX/year> the debt between XXXX XXXX XXXX has been canceled. XXXX XXXX XXXX continues to report negative information on my consumer report. 

Please see attachment.
Consumer complaint received 2024-09-01
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-30
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BB&T CORPORATION (MD)

Until XX/XX/XXXX, I was not aware that a loan in the amount of {$50000.00}, had been taken out in my name XX/XX/XXXX, by a Branch Banking and Trust ( BB & T ) Company employee. I never entered into any BB & T Branch to sign loan documents, however, my forged signature is on loan documents along with a witness signature atesting to witnessing me sign this document. The loan was secure by a property that I did not own, but lived in. It is my understanding that the loan was never processed correctly within BB & T ( i.e. the loan was not tied to the deed of the real estate property for which it was secured by ). 
When I was contacted in XX/XX/XXXX, about repaying the loans in default, I tried to tell the collections person that I did not take out this loan, however they did not want to hear it. It was difficult to speak to anyone within BB & T because each time I called they forwarded me to the collections people, who did not want to hear anything about this fraud or provide contact to anyone that I could speak to. I sent written acknowledgement to the collections company informing them of the fraud in the loan. I go a response indicating that they found no fraud and that I needed to repay the loan. I researched and found a number to contact a person inside of BB & T who I called and explained the issued to her. She was not aware that the property that the loan was secured by had been sold without BB & T knowledge, and could not explain to me why BB & T had not secure the loan repayment prior at the sale since the loan was secured by that property. Although I provided this information, she still could not assist me with anything. In XXXX, I contacted the BB & T collections attorney and provided written response that there was an error and the loan was fraud, the response received indicated that they found no fraud with the loan and that I needed to repay or they world take me to court. BB & T and it 's collection attorney XXXX, XXXX, XXXX XXXX, XXXX was granted a judgement against me in XX/XX/XXXX. Since than, BB & T has made my like XXXX, they garnished my wages taking XXXX % of the earning every paycheck for the since XX/XX/XXXX until now that the loan has been paid off. At the time I had just become a single mother, so it has been very difficult. Please investigate.
Consumer complaint received 2024-09-01
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)

My personal information has been compromised by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX all of which experienced a security breach, which ruined my credit.
Consumer complaint received 2024-09-01
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. (FL)

I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I enrolled in college XX/XX/XXXX & had to take out a loan. I took a break from school due to personal financial reasons. I was contacted by my loan officer & told her what was going on. I told her that I would be going back to school in the following XXXX. She said okay and proceeded to defer my student loan. I started back in school XX/XX/XXXX. Recently I checked my credit & XXXX of the student loans have been added onto my credit due to delinquency even though I have been back in school for months now.
Consumer complaint received 2024-08-31
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-10-12
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: EQUIFAX, INC. (CA)

Dear Equifax, I am requesting Equifax to fix their website. When I login to myEquifax website account it states We are temporarily unable to retrieve the status of your security freeze. Please try again later.. The myEquifax website malfunction is shown below in the 2 images in the attached document and highlighted in the red rectangles. The status of my security freeze should be available when I login into myEquifax account.

According to EquifaxFor your convenience, you can also place, temporarily lift or permanently remove a security freeze on your Equifax credit report by logging in or creating an account at www.myEquifax.com.

I have contacted Equifax by phone on XX/XX/year> and again on XX/XX/year>. Both times the Equifax customer service representative stated they will escalated to technical team to resolve the website malfunction. They said that they will contact me by email or phone, but Equifax never contacted me..

Unfortunately, when I login to myEquifax website account it states We are temporarily unable to retrieve the status of your security freeze. Please try again later.. This is not a temporary issue since it has been on-going since the beginning of XX/XX/year>. 

I am NOT asking Equifax to change my security freeze. The Equifax response is requesting all my identification information in order to take action on my security freeze. This does not address the problem with myEquifax website account.

The myEquifax website account is not functioning correctly. Your assistance is greatly appreciated.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a secured credit card account with Capital One with a balance of XXXX. While the account was opened I made all of my payments on time. I had to move so I closed my card XXXX 2011 with a XXXX balance. 
I checked my credit and they reported on my credit report that in XXXX, XXXX, and XXXX of 2011 I was late on making payments after the account was closed. I have called this company several times and they stated the card was used after the account was closed. which makes no sense. Please help
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO. (FL)

I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX Balance Owed : {$31000.00}
Consumer complaint received 2024-08-31
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. (TX)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of [ list account types ( example : a personal loan or loans, a credit card or credit cards, and any other accounts ) ] from Central Portfolio Cont with a balance of {$1000.00}, XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$270.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.