davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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. (NM)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-05
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. (TX)

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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (OH)

We have been making PNC credit card payment regularly since XXXX after XX/XX/XXXX they stop taking ACH from our checking account I wasnt aware of that then one day I got call from PNC saying my account is past due I told that customer service lady I didnt know they stop taking ACH from my account so she said she can do now phone so I gave her my checking account number but instead of starting up payment XXXX she setup from XXXX They reported past due on my credit report so when I call them again the person on phone told me that the lady I talked to on phone last time she didnt setup from XXXX thats why I got past due report on my credit report now because of that I lost XXXX points I was pre approved for house loan my mortgage officer said because of that I will have to wait now
Consumer complaint received 2017-09-14
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under the new law/agreement effective XXXX XXXX, 2017 any public record data must include name, address as well as social security number and date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per this new agreement/law the bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-09-14
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. (MI)

I 've been charged {$10.00} from XXXX, XXXX, and Experian on XXXX XXXX 2017 to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC (TX)

Scott & Associates P.C ( Mailing address XXXX XXXX XXXX XXXX TX XXXX. Phone # XXXX ) sent me a letter dated XXXX/2017 letting me know that the law firm was representing XXXX XXXX for a collection of debt in my name for {$3500.00}. The letter said in the second paragraph the the letter was not a threat but will be giving to giving to an attorney for legal action if I do n't call and make arrangements to pay the debt. I called the law firm and talked to a representative and explained to her ( person that I talked to was a lady ) that the debt was not mines and her advised was to pay the debt or there was going to be consequences. I wrote a letter to Scott & Associates requesting in writing a certification of the debt from the original grantor ( XXXX XXXX ). SSN  related to the account. Copies of all original signatures in all transactions transactions made with this credit card. Name in the account. Account number and Telephone # related to the account. At of today I have not received their response. I will sent another letter to them but this time with return received. I read the comment posted about this law firm and they basically that they are bulldogs and ther will go after you. I am very afraid that they they get my personal information, driver license #, and SSN. I  file a complain with TX motor vehicle office, SS administration not give my information to any one unless I authorized. 
Base on the information posted online about these people they would go after you with threatening letter, phone calls, frivolous lawsuits. I am very affraid that to loose my Job because of this. I got a copy of my credit reports and there is no changes. Please make these people cease and desist of frivolous action. 
Scott & associates file number is XXXX
Consumer complaint received 2017-09-14
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. (MN)

I have tried on numerous occasions to place a credit freeze on my account with Experian. I have attempted this at least four times over the past week, from XXXX XXXX to XXXX, XXXX. 

Although I successfully put in place freezes on the other two credit services, Experian says they are not able to verify my identity and thus can not put in place a credit freeze. I provided the exact same information as I did with other account. Indeed, I was able to open an account on Experian using this same information and gain access to the free credit report. Since doing this I have received non-stop promotional messages for their services. The credit freeze option, however, can not be done from within the account, and must be done via this separate link : https : //www.experian.comXXXX This is a clear attempt from the company to stop consumers from adding a credit freeze and to divert their focus on other products that require monthly payments. I demand that Experian alter this deceptive practice ( and the government forces them to do so ) and make it possible to establish a security freeze directly within a client account immediately.
Consumer complaint received 2017-09-14
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)

I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the XXXX breach. I called each of the three numbers given on the FTC web page instructions : XXXX XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
Experian : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.
Consumer complaint received 2024-11-05
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)

I

am contacting you to address several concerns I've experienced with the credit bureau. These include inaccurate account listings, multiple unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that I do not recognize as mine. I would greatly appreciate your help in resolving these issues to protect my financial stability.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX, I successfully placed a security freeze on my XXXX and TransUnion accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX  announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
Consumer complaint received 2017-09-14
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. (IN)

All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the XXXX breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.
Consumer complaint received 2017-09-14
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. (VA)

Equifax has faudulent and incorrect address information " XXXX XXXX XXXX XXXX XXXX , GA XXXX '' showing as one of my former addresses. This was a part of an identity scam in which my postal mail was forwarded to that address. I want that address removed as I never lived there.
Consumer complaint received 2017-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I paid my mortgage on time and the full amount due. The amount I paid ( not including the online payment fee ) was {$520.00} on XXXX/XXXX/XXXX ( it cleared on bank on XXXX/XXXX/XXXX ). When I received my next month 's statement on XXXX, I noticed that there was a " payment advance '' charge for {$11.00}. When I called that same day to ask about this charge they told me that it was because I did n't make my full payment. So while still on the phone, I looked at my bank transactions and compared it to what Bank of America said I paid on my statement. The amount that cleared my bank was {$520.00} ( see attached bank statement ) but the amount stated on my mortgage statement was {$510.00}. An exact difference of {$11.00}. I 'm sorry, but this is shady business practices. They tried telling me that they 'd have to " investigate '' it and call me back. Only when I told them no and if they did n't correct it while I 'm on the phone that I 'd be contacting to FTC to turn them in for shady banking practices did they correct it. I do n't believe this is an " honest '' mistake. You ca n't tell me that a bank as big as Bank of America does n't know how much their customers pay. If they do n't then they have a much serious problem. I believe that they are systematically doing this to other customers hoping they wo n't notice a small amount such as {$11.00}. But {$11.00} over millions of customers equals a huge profit for Bank of America.
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A credit hard inquiry has been fraudulently placed by XXXX XXXX XXXX on XX/XX/ on my current Transunion credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX stated they have no business with the inquiry showing up in my Transunion credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in Transunion Online Dispute Center. 
I also contacted Transunion via Phone number XXXX, XXXX XXXXTransUnion, and Transunion online chat. 
But Transunion refused to delete the fraudulent credit inquiry from my credit report.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

XXXX/XXXX/XXXX went to wells Fargo to refinance mortgage. loan officer submitted application charged a fee for an appraisal {$500.00}. They did not approve my loan based on the income of my grandmother because I was co signed on a property with her. They did request that I prove that I do not make the monthly mortgage payment by providing mortgage statements or bank statements. I provided the required documents and later found out that they would be declining the loan because they felt that my grandmothers income was n't sufficient enough to pay the monthly mortgage on the property. I did speak with there executive office and express that the mortgage refinance was strictly on my primary residence and that my grandmothers income had nothing to do with my loan. After a month long battle they still stuck with there decision to decline my loan based on the income of another individual not related to my loan at all and they would not refund my appraisal fee of {$500.00}.
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (NC)

I have 7 total XXXX student loans and 2 Consolidation loans serviced by XXXX, who took over as my loan servicer from XXXX in XX/XX/XXXX. I have been making regular monthly payments on a fixed repayment schedule for all of nine loans on my account. I have 100 % on-time payments, and believe that I qualify for interest rate reductions that have never been applied to 5 of my XXXX loans. As a result, I believe I have overpaid interest significantly over the repayment history of the loans. 

Five of my XXXX XXXX ( disbursement dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) have a 6.55 % interest rate and on the XXXX online account summary for each of these loans, the loan details show potential rebates after 12, 24, and 36 on-time payments. Aside from this general statement of eligibility, no status is given nor indication of number of payments until the benefit becomes active. I believe I should have qualified for each of these three rate reduction milestones several years ago. Additionally, timely payment benefits for XXXX loans are also listed in the XXXX section of XXXX XXXX website. 

I first emailed XXXX customer service around XX/XX/XXXX and did not receive a response. I made a second email attempt in XX/XX/XXXX and did not receive a response. I called XXXX on XX/XX/XXXX and reviewed the issue with a XXXX representative. The representative acknowledged that my loans appeared eligible for interest rate reduction, and that an inquiry would be sent to the loan processing department, and I would hear back soon. 

I called back on XX/XX/XXXX and spoke with a XXXX representative who acknowledged record of the previous inquiry into the loan rate reduction. The XXXX representative needed some time to look into the matter, but said she would call me back. I received a call back that day and the XXXX representative stated that my 5 XXXX XXXX were eligible for a 3 % interest rate reduction, which would be applied to the accounts within 2-3 weeks after approval by management. The XXXX representative also acknowledged that these rate reductions would be retroactive to the date on which the loans were eligible to receive them. In addition, the XXXX representative stated that 2 of my other Stafford loans ( at interest rate 6.8 % ) were eligible for a .25 % interest rate reduction. 

I spoke with the same XXXX representative on XX/XX/XXXX who indicated that after review, the 5 XXXX loans are not eligible for a rate reduction. When asked what changed after management review to make them ineligible, the representative did not know or have access to the review documentation. I requested the documentation that resulted in the determination of ineligibility for interest rate reduction, but the representative did not seem to think that I would be granted access to the documentation.
Consumer complaint received 2017-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (VA)

In XX/XX/XXXX, I contacted the 3 credit bureaus to dispute the XXXX XXXX item on my credit reports. The loan was in in the amount of {$270.00}, however I never applied or received a loan from XXXX XXXX. The information on my credit report incorrect. I contacted AD ASTRA RECOVERY SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX on XX/XX/XXXX to inform them that I never taken a loan out with XXXX XXXX and I need this item removed from my credit report but the have not resolved the issue or removed it from my credit report. The account # is XXXX the loan date : XX/XX/XXXX. I am requesting that your office investigate this issue on my behalf. Also, XXXX XXXX was not licensed in the Mississippi in XX/XX/XXXX, therefore any loans issued in my name on XX/XX/XXXX was illegal. I can be contacted via mail : XXXX XXXX XXXX, # XXXX, XXXX, VA XXXX
Consumer complaint received 2017-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Several attempts have been made to Specialized Loan Servicing ( SLS ) for the information regarding the second version of the Home Equity Credit Line Agreement and Disclosure Statement that shows a rubber stamp indorsement of XXXX XXXX XXXX. SLS has refused to provide me and my wife with the time or the date or the year they acquired this copy. This we believe is a violation of our rights to loan information and considering our adamant declaration that this copy is not the one signed at closing, we have incurred damages and continue to be damaged by SLS refusal to fairly communicate in any attempt for us to resolve this issue. If this violation of our rights continues and results in court costs, we will demand all our expenses to be reimbursed. 
UNDER CFPB CONSUMER LAWS AND REGULATIONS UDAAP We request from Specialized Loan Servicing the information pertaining to When SLS acquired this copy with rubber stamp indorsement of XXXX XXXX XXXX and from what ENTITY or PLACE or PERSONS That this COPY was received from or provided to SLS