davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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. (KY)

Identity Theft Affidavit Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Statement of Identity Theft : I, XXXX XXXX, declare that I am a victim of identity theft. I did not authorize or initiate any of the accounts or inquiries listed below, and they do not belong to me. 
XXXX Accounts : XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$6300.00} XXXX. MOHELA/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$4500.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$3300.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$2200.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1700.00} XXXX. XXXX/DOFED, Opened on XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1300.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$950.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, Opened on XX/XX/XXXX, {$390.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$15000.00} charge-off XXXX. XXXX  XXXX, Opened on XX/XX/XXXX, {$1500.00} charge-off XXXX. XXXX  XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXX XXXX / XXXX, Opened on XX/XX/XXXX, {$690.00} XXXX XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$570.00} charge-off XXXXXXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$420.00} charge-off XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, {$400.00} charge-off XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$550.00} charge-off XXXX. XXXXXXXX XXXX XXXXXXXX, Opened on XX/XX/XXXX, {$1600.00} charge-off XXXX XXXX Opened on XX/XX/XXXX, {$1300.00} charge-off XXXXXXXX XXXX Opened on XX/XX/XXXX, {$1100.00} charge-off XXXXXXXX XXXX, Opened on XX/XX/XXXX, {$400.00} charge-off XXXXXXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} charge-off XXXX. XXXX - XXXX, Opened on XX/XX/XXXX, {$700.00} charge-off XXXX. XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, Opened XX/XX/XXXX, {$500.00} charge-off XXXX. XXXX, XXXX, XXXX XX/XX/XXXX, {$1800.00} charge-off XXXX. XXXX XXXX XXXX XXXX, Opened on XX/XX/XXXX, {$1400.00} collections XXXX. XXXX XXXX, Opened on XX/XX/XXXX, {$450.00} collections Fraudulent Inquiries : XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XX/XX/XXXX XXXX. XXXX XXXX / XXXX / XXXX XXXX, XXXX Declaration : I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. 
XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX XXXX XXXX Owed {$120.00} XXXX XXXX XXXX Balance Owed {$85.00} XXXX XXXXXXXX XXXX XXXX Owed {$69.00XXXX XXXX XXXXXXXX XXXX XXXX Owed {$79.00} XXXX  IXXXX XXXX XXXX Owed {$83.00} XXXX  XXXX XXXX Balance Owed {$150.00} XXXX XXXXXXXX XXXX XXXX Owed {$73.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX XXXX Owed {$61.00} XXXX XXXX XXXX XXXX Owed {$84.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.
Consumer complaint received 2017-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ABR Recovery Services LLC. (CA)

On XX/XX/2017 I received a letter offering a pre-reporting settlement offer on a credit card debt by a collection agency ( ABR ). Per the letter I had 30 days to dispute the validity of the claim of debt owed. I sent in a letter explaining that this debt had come from identity theft that had happened several years ago and had been cleared up on my credit report. I had asked for proof of ownership of the debt, including but not limited to my driver license number, a signature, or anything else showing this debt to be mine. I did not receive a response back, instead they reported this collection on my credit report with XXXX. This debt had been settled years ago, and removed from my credit report years ago as it was found that several accounts had been used without my authorization. This should have been long ago settled. To see this collection was sold off again and reappearing on my credit report seems to be abuse of credit collection tactics. I complied with writing a letter disputing the claim which should have kept them from being able to report on my credit until this matter was resolved. ABR also included on my credit report that this account was first deliquent XX/XX/2017, thus starting original debt in question, all over. This original debt is nearly 7 years old and took me nearly 3 years to have removed and go through the identity theft process. Thank you for looking into this matter.
Consumer complaint received 2021-11-25
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the incorrect information about my account has been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2021 Balance : {$920.00}
Consumer complaint received 2017-09-02
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)

I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with XXXX XXXX XXXX. This account was opened on XX/XX/XXXX - and currently has a balance of {$550.00}. In XX/XX/XXXX, I disputed this account via XXXX XXXX and the findings came back unfavorable. I called XXXX XXXX XXXXXXXX on XX/XX/XXXX and explained that I have a debit card with XXXX XXXX XXXXXXXX, but no credit card. I was given the run around and transferred to numerous agents with no resolve.
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (CA)

PROFESSIONAL CREDIT SERVICES, ACCOUNT NUMBER  XXXX  HAS put this account as a collection account for emergency  medical service  s r eceived at  XXXX   XXXX   XXXX , the original creditor.At the time of service I was covered by  XXXX  which I informed the  provider.The  government insurance plan covers all emergency services and I should never have been billed and never been subject to collection action which has damaged my credit standing by wrongfully placing and publishing this debt on   XXXX     XXXX   and   XXXX   c redit bureaus.The   service  occurred in early  2015,   possibly  XX/XX/XXXX / XX/XX/XXXX .I have Previously communicated through the credit bureaus telling them to remove the item from my credit files.
Consumer complaint received 2017-09-01
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: ID Analytics, Inc. (NY)

On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.
Consumer complaint received 2017-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

RE : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery sent notice of a fraudulent debt.Attempted to collect on unsubstantiated or inaccurate debt. 
I sent denial is writing within the first 30 days. They called repeatedly and harassed over and over even after being told to halt. Pressured me to make payments using misrepresentations Relied on misleading, robo-signed court filings to churn out lawsuits Misrepresented their intention to prove debts they sued consumers over.They sued and lost in court. 
They still keep reporting this false debt every month to credit reporting agencies. 
Sued me for past the statute of limitations.Statue of limitations expired years ago. 
Violate federal law repeatedly Criminal company needs to be put out of business. 
I want PRI to remove all negative trade lines in all credit reporting agency immediately Thanks you,
Consumer complaint received 2017-09-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

InXX/XX/XXXX my former husband and I contracted with XXXX XXXX to install an inground pool. For which we secured a loan in the amount of {$15000.00} plus through XXXX XXXX which is now Ditech. XX/XX/XXXX we increased the amount of the loan to {$18000.00} plus so we could include a fence. Instead doing a modification on the loan they recorded a second deed of trust without releasing the first. In XXXX when the loan was satisfied they issued a certificate of satisfaction and referenced the loan number and account number of the 2nd deed of trust but referenced the deed book and page number of the original deed of trust. 
I am trying to refinance my home and my title company XXXX XXXX found these 2 unreleased deeds of trust in a title search. I have been calling Ditech daily and have emailed since XX/XX/XXXX to try to clear this up without any success. Customer service is very rude and the lien release dept has no phone and will not respond to emails. I am not able to close on my refi and am in danger of having my rate lock expire. My title company XXXX XXXX has emailed and faxed all the information over to them to explain what is wrong and what needs to be done to correct this but Ditech still can not understand and to my knowledge has not done anything to rectify this problem. We requested a letter from customer service referencing both account number that these accounts have been paid off and they have intent to release but after a few attempts and still not receiving what we need I feel these deeds of trusts will never be released.
Consumer complaint received 2024-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to 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 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 of crimes which antedates the report by more than seven 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 the information is inaccurate.
Consumer complaint received 2024-10-13
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. (NJ)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-12
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. (NJ)

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO PREVENT FUTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, XXXX, and Experian. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MidAmerica Mortgage Inc (MI)

I initially asked for loan modification in XX/XX/XXXX as my monthly mortgage payments were rising due to escrow balance shortage approx. {$100.00} in 2 years. 
I called them in XX/XX/XXXX and talked to the Loss Mitigation Dept. regarding the conditions of the trial payment period for the loan modification primarily information I received via letter. The letter stated it started trial would begin in XX/XX/XXXX and I asked what about the XXXX payment as I was not late and wanted no issues with being late. I was told to start with the XX/XX/XXXX payment per the letter. 
I made each payment and called each month once the late letters started. I told each CS rep in Loss Mitigation I did not want any issues with payments being late or I would have made XX/XX/XXXX payment.This went on monthly until XX/XX/XXXX. Never when I asked, was I told about I was late and I would have 8 late payments applied to my credit or I would have made XX/XX/XXXX payment. 
This company needs to pull all recorded conversatons for XXXX to review. I also want a copy as they are deliberately not addressing the real issue. Misinformstion to a client by their Loss Mitigation Dept .Why did this Dept not inform me to make the XX/XX/XXXX payment when I first asked over the phone for clarification
Consumer complaint received 2019-05-22
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF TN ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transition File # XXXX Employment Missing XXXX XXXX XXXX XXXX XXXX Is not appearing I work on contract for several companies as on the report XXXX
Consumer complaint received 2019-05-22
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: EQUIFAX, INC. (NY)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.