davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-25
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. (NC)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Consumer complaint received 2018-02-08
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. (TN)

Please help CFPB and take this seriously. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. This has made it difficult to find traditional work and secure credit. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-02-07
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. (CA)

On XX/XX/ I sent written correspondence to TransUnion requesting Verification of Negative Items shown on my credit report. TransUnion was instructed to obtain either Verbal or Written Proof Directly from a Person at that Source, pursuant to 15 USC Section 611 ( i ) ( 7 ) section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/ I sent second written correspondence to TransUnion re-opening the investigation of negative items listed on my credit report. In this correspondence, TransUnion was instructed to provide VALID PROOF OF VERIFICATION BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE or TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

On XX/XX/ I sent Third Written Request & Final Warning to TransUnion that they are to reinvestigate the negative item shown on my credit report and to provide PROOF OF ACCURACY OF VERIFIED ITEMS BY PROVIDING ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE OR TO REMOVE ANY AND ALL NEGATIVE ITEMS WHERE CONTRACT COULD NOT BE PROVIDED. 

As of Today, I still have not received any valid proof of verification from TransUnion yet they continue to report the items as accurate and verified.
Consumer complaint received 2018-02-08
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: Rosebud Economic Development Corporation (KY)

I am enrolled in a credit monitoring program and I received an alert stating that on XX/XX/17, a company called Rosebud Lending performed a hard credit inquiry. I never authorized this company to do a credit check. 
I contacted them several times and initially, they denied performing a hard inquiry saying that they only performed a soft pull. I sent them proof and then they said that I gave permission which I did not. 
They refuse to remove the hard inquiry.
Consumer complaint received 2024-11-29
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. (GA)

Dear TransUnion Rental Screening Solutions ( TURSS ), This is a formal and urgent demand for you to correct the inaccurate resident score of XXXX you reported, as indicated in a denial letter I received from XXXX on XX/XX/year> ( Application Reference Number : XXXX ). This score is not only inaccurate but has caused significant and unjust harm to my ability to secure housing. 

Furthermore, your actions directly violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate a blatant disregard for your legal obligation to ensure accurate reporting. 

If this matter is not addressed immediately, you will face severe consequences for your continued violations of federal law. 

My Demands : 1. Correct my resident score to no less than XXXX within 24 hours, as the reported score of XXXX is demonstrably false. 
2. Overturn the denial of my application at XXXX and confirm this decision to them in writing, stating that the denial was a result of your error. 
3. Cease all reporting of negative or inaccurate information about me in connection with my rental history or creditworthiness.

4. Provide a full explanation of how my resident score was calculated, including every factor contributing to the inaccurate score.

5. Notify me in writing and provide proof of the corrective actions you have taken.

Legal Consequences of Non-Compliance : 1. FCRA 611 ( 15 U.S.C. 1681i ) : You are legally required to investigate and correct all disputed information within 30 daysor risk penalties for non-compliance.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Reporting information you know or should know is inaccurate is a violation of federal law and could lead to lawsuits, regulatory penalties, and liability for damages.

3. FCRA 604 ( 15 U.S.C. 1681b ) : Using false or outdated information to create a consumer report is prohibited and punishable under federal law.

4. FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : You may be held liable for both willful and negligent violations, including statutory damages, actual damages, attorneys fees, and punitive damages.

Urgency of Request : You have 24 hours from the receipt of this email to correct my resident score, overturn the denial of my application, notify XXXX in writing of your error, and provide me with proof of all corrective actions. 

Failure to comply with these demands will leave me no choice but to escalate this matter. I will immediately file formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also pursue all legal remedies available to me, including filing a lawsuit for damages caused by your negligence and willful non-compliance. 

This is your final warning. If you fail to act, you will be held fully accountable for the harm your errors and actions have caused. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-07
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)

On XX/XX/XXXX I mailed to Experian a letter that I was requesting verification of negative items shown on my credit report. I received no valid response from Experian as the response they provided, did not have Written proof directly from a person at the source, pursuant to 15 USC Section 611 ( i ) ( 7 ) Section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/XXXX I mailed a second request to Experian that I was re-opening the investigation and that I was requesting proof of verification of each item listed on the document. By proof, Experian was to provide ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE from Alleged creditor as only legitimate proof over verification. Experian failed to provide this proof, but responded that items were verified. 

On XX/XX/XXXX I mailed to Experian Third written request & Final Warning requesting verification of negative items shown on my credit report and to identify with whom did they verify the alleged debt and what proof was given verify the alleged debt. 

As of today, I have not received a valid response from experian.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (NC)

I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-08
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. (OH)

Since XX/XX/ 2017 I have been sending dispute letters every 30-40 days requesting a thorough investigation of erroneous and unknown items on my credit report. I asked that I be provided with legitimate verification as to how, by law, the disputed and negative inquiries and accounts arrived on my report. I asked that proof be shown with original contracts and my signature. 

I have sent each request certified mail. Each time I get a letter back with very little information and the bureau stating that it " re-investigated '' my dispute. However, the items remain on my report without verification being provided or explanation. The Bureau generically states " verified. '' Also, my inquires are not being responded to within 15 days. I also demanded, for that reason, that because they violated a consumer credit law, to immediately delete the disputed items. 

Also, during the time of disputes, the Bureau has inserted additional unverified accounts onto my report. 

I have explained that this whole process has been costly and stressful. The Bureau continues to disregard my requests.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a email Alert notifying me my charge card was recently declined in the amount of {$360.00}. 

I called. Per XXXX XXXX charge was submitted 2nd time and was approved by XXXX XX/XX/XXXX, XXXX  Police Department send email saying Report was approved and I received XXXX Police Department Summary Incident Report # XXXX XX/XX/XXXX, I went online to Experian to request a Security Freeze be added to my credit file, tried to enter info required ; but the Experian website would not accept my info. 

XX/XX/XXXX, I prepared a detailed letter with info ( attachments ) that  Experian required and sent my envelope to Experian by USPS Certified Mail. Items sent were the following : 1. Letter ( detailed ) 2. XXXX Police Department Report # XXXX 3. State of California Driver 's License ( copy ) 4. XXXX Homeowners Policy ( copy ) XX/XX/XXXX, I received an email from Experian which said : We received the copy of the identity report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. Please provide : 1. all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency ( I provided to Experian what the XXXX Police Department emailed to me ) ... 

2. Also, I included ( in letter ) my full name including initial, my social security number, my complete addresses for the past two years ( I've lived in my home 20+ years ), date of birth, one copy of a government identification card, such as a driver 's license, state ID card, etc. ( driver 's license ), one copy of a utility bill, bank or insurance statement etc. ( XXXX Homeowners Policy ).
Consumer complaint received 2018-07-25
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. (SC)

I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.
Consumer complaint received 2018-07-25
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. (TX)

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX   XXXX on my credit bureau and it's negatively impacting my score.
Consumer complaint received 2017-10-10
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. (FL)

I have contacted Experian and XXXX regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of Education and XXXX and Experian Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. XXXX and Experian are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the Credit Reporting Act Laws.
Consumer complaint received 2018-02-07
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. (FL)

Over the past Two years, I have sent approximately ( 5 ) certified letters to Experian in regards to Two unverified derogatory accounts listed on my Credit Report ( XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ... ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to both XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX however I never received a reply back. Experian have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
Consumer complaint received 2024-10-29
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. (NC)

I have previously filed a complaint regarding to the incorrect information on my credit report. I have long requested for these to be removed by the XXXX bureaus, but they have no action on this matter. These inaccurate information are severely affecting me, so I am once again requesting their removal. This time, if the XXXX bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (VA)

I HAVE RECEIVED AN APPROVAL FOR A FORBEARANCE AGREEMENT ON XX/XX/XXXX STATING THAT I WAS APPROVED FOR A PAYMENT OF {$0.00} FROM XX/XX/XXXX THROUGH XX/XX/XXXX. NO DOCUMENT NEEDS TO BE SIGNED OR CALLED ON, ONLY IF I HAVE QUESTIONS WHICH STATES ON PAGE 1 OF 4. I AM COMPLYING WITH SETERUS REQUEST AND THEY STILL SOLD MY HOME ON XX/XX/XXXX.