davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-22
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. (GA)

I'm reaching out in regards to inaccurate information on my Credit Report with all XXXX reporting agencies. Specifically the Public Records section. Back in XX/XX/2022 I went to US BANKRUPTCY COURT in XXXX, GA. Asked several questions as to did the trustee of the Bankruptcy XXXX submitted the XXXX result of that case to all 3 Credit Reporting Agencies. I was verbally informed no the courts does not submit any public record s to any of the 3 Credit Reporting Agencies. Also in writing a official letterhead stating that as well. So I made a copy of said letter then mailed it to XXXX and TransUnion. To no avail that inaccurate information still on my credit report and is doing unforseen and previous harm to me rebuilding my credit worthiness. Please feel free to contact me with any information you may need at XXXX Thank You.
Consumer complaint received 2018-01-02
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. (GA)

I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Altisource Portfolio Solutions, S.à r.l. (NV)

This Collection agency XXXX XXXX XXXX XXXX has failed to provide proper verification of the account they brought from XXXX XXXX XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$540.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to XXXX XXXX XXXX about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company XXXX XXXX XXXX XXXX matter the original creditor have the same account number as the collection agency. XXXX and XXXX XXXX XXXX different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$540.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX, XXXX, and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
Consumer complaint received 2023-07-22
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. (AZ)

In the past year as of XX/XX/2022, I have notified XXXX that 2 bankruptcies that XXXX continues to report as accurate and verified is still being reported on my report. Fact is since XXXX of XXXX  XXXX of which XXXX has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that XXXX persists to be accurate and verified. Turns out that XXXX has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to XXXXXXXX XXXX  unconscionable and illegal business practices of which they XXXX  DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.
Consumer complaint received 2023-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Received notification from my credit monitoring service that a collection was added to my public credit profile. I was never notified by the collection company. I called the collection company using the number I received from my monitoring service and spoke to someone. I informed told them the information they was incorrect and to send me proof of what they had. This is an attempt to highjack my credit to extort money from me. 

Please investigate.
Consumer complaint received 2018-05-08
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. (NJ)

Equifax recently put 2 false items on my credit report. Every time I try to resolve I get booted off, they tell me my info doesn't match or they tell me the site is down. First they put on a XXXX account that does not belong to me. The owner is listed as undesignated but they still put it on my credit with no proof it belongs to me. This is not my account. Next they put in an account I had 17 years ago XXXX/XXXX XXXX that was closed all those years ago and my report says I reopened it with a lost/ stolen card report on XX/XX/2018. I did not report this, this is obviously an attempt to ruin my credit. Both of these bills have very little information and I was unable to buy a car after having almost 700 credit from all 3 reporting agencies. They also have me listed at an address last year in Illinois where I have never gone anywhere near. They gave a false report to XXXX XXXX that I had serious delinquency which was false. I have never been late on my 2 credit cards and have good credit with my bank card and business bank card. This is complete fraud that I've worked so hard for years to clean up my credit and it is being attacked. Please help me
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. (FL)

I do not recognize these credit injuries and i have ask the credit bureaus to remove them and they have not. i will attach the identity theft report and want this removed. they are not mine.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am trying to contact Experian. 
They have the incorrect phone number for me. 
They require a code that they text to the phone number on file to log in. 
I have called their numerous phone numbers. 
There is no option to change my information. 
Their automated system will not connect you to a live agent. 
There is no way for me to log in. 
There is no way for me to speak to an actual person. 
I am unable to change my own phone number that they have on file incorrectly, preventing me from accessing my own account. 

The fact that there is absolutely no means to speak to an actual human being, either by phone, or online is insane. I am completely locked out of being able to access my account due to their error and lack of any options that will allow me to make a change to my personal information. 

Being forced to use the postal service to communicate with a credit bureau in the digital age is unacceptable given the speed and frequency of data breaches that lead to fraud and Identity theft. We are given no choice under the current systems of whether or not we agree to work with these credit companies. The least they could do is attempt to work with us on the most basic levels, such as providing customer support that is accessible and able to provide assistance beyond pre-set options in an automated menu.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bridge IT, Inc. (FL)

Im a victim of identity theft I reported like 2 years ago Ive had my phone stolen several time and since Im a very forgetful person I always have passwords and personal info in my notes on my phone I e gotten better about keeping that stuff at home but whoever it I doing this is doing it out of sought to ruin my credit cause I tell everyone how I. Trying to fix my credit so that I can start my life over so thats what they attack i my credit Ive had bank accounts set credit fixing agencies trying to get cars under my name the list goes on I filed for bankruptcy but still I got these credit building companies not wanting to remove the stuff off my account because they think it was me when it wasnt yes it was applied with my phones but those phones were stolen its driving me nuts cause if I applied for this stuff I hold own up to it but I did not and I would like all this stuff off my reprt
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

I have a few credit cards with a XXXX XXXX and have fallen behind on payments, Im now enrolled in a debt management plan, but in the meantime they call me 10 times a day minimum, they also contact my parents home phone and brothers cellphone and leave voicemails regarding my debt!
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, 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 the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Consumer complaint received 2023-07-22
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. (AZ)

In the past year as of XX/XX/2022, I have notified Experian that XXXX bankruptcies that Experian continues to report as accurate and verified is still being reported on my report. Fact is since XXXXXXXX XXXX XXXX XXXXXXXX of which Experian has admitted to using information from them to report this has exonerated me, XXXX XXXX XXXX from this claim that Experian persists to be accurate and verified. Turns out that Experian has caused me undue duress, loss of work, loss of opportunities, loss credit, loss of income, loss of reputation due to Experian 's unconscionable and illegal business practices of which they Experian DOES NOT HAVE A CONTRACT WITH ME TO REPORT SUCH ILLEGAL, UNTRUE, DAMAGING NONSENSE.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

Today XXXX/XXXX/XXXX, I went online to make a store credit card payment to Walmart. On my paper bill it said go to Walmart.com/credit. I went to the website and it was very difficult to find the link to make a payment. There was a huge advertisement to get a credit card. The link to make a payment was found located very discretely at the bottom of the page. It was difficult to get to the bottom of the page due to the fact the advertisement to apply for a credit card was so huge, as soon as you click the area in error it brings you to a page to apply for a credit card. After registering, I was able to make a payment. I chose the option to pay with a debit card. After giving my debit card information and clicking submit, it did not confirm my payment was made. It did not give a reference number or any expectations. I go back to research and it does not reflect my payment was made. It will allow you to make another payment despite the fact that you just made a payment. I checked my bank account and the amount was taken from my account. I contacted online customer service and explained what happened. The respond that it will take XXXX hours to reflect a payment was made. My concern is that this website was very misleading and should reflect and confirm when your payment has been made. There was no disclosure of what to expect after making my payment. I want to mention I did contact my bank and customer service first before trying to submit another payment, my concern is for those who would have not thought to do that. The website comes off as secretly taking advantage of consumers.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX??? 
XXXX XXXX XXXX paid/never late XXXX/XXXX XXXX paid/never late INQUIRIES XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX  I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX & XXXX XX/XX/XXXX  unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX {$30.00} ( SA ) XXXX XXXX not mine XXXX not mine XXXX {$2000.00} not mine XXXX {$3500.00} not mine
Consumer complaint received 2023-07-18
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. (PA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-07-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Made several online disputes with Experian to remove 7 hard inquiries that appear on my credit report. All came back as verified and updated with no proof supplied, after I submitted several online disputes, asking for proof. There are also many instances of incorrect information on every one of my student loans listed. I am waiting to hear back from Experian on several online disputes on each student loan account listed. They are reporting late payments, which is incorrect. There are also a few instances of incorrect amounts listed on my student loans. This can be easily verified on the U.S. Department of Education website, which I have done in less than 24 hours. This is very upsetting that a credit bureau is allowed to report incorrect information on consumers credit reports, which adversely affects peoples livelihood. I would have never known if I didnt request my reports. 

Spoke with XXXX in the fraud department on XX/XX/XXXX and let her know that these inquiries were not mine. I know they can not be verified because I did not approve of these companies to run my credit at any time. I have asked for proof that these inquiries have been verified. I have not received proof. I would either like written proof that these inquiries are or have been verified ( my documented signature ). If these can not be verified with proof, I would like all of them removed from my credit report. I have made several calls before this, but sadly did not document those. This is unfairly affecting my livelihood and my credit file. I have the right as a consumer to request proof or request that they be removed from my credit file. 

XXXXXXXX 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
Consumer complaint received 2018-05-08
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (CO)

never was late on anything, so was talked into getting a reverse mortgage, a new car, and was told I'll be getting a check for life for oil. I'm a single senior, and because I was talked into this I was charged fees for the reverse mortgage, Very High interest rate, so won't be able to pay off my home as soon as I had wanted to. Had absolutely No Problems paying my mortgage, but now I'm SO STRESSED over having to pay about double of what I used to pay, before this reverse mortgage. Can't rest thinking on paying over nine hundred dollars a month in interest, and was told I don't need to pay on the principle. I burst out crying, because they are trying to take my home away from me, my children and grandchildren. Being a XXXX female, gone through many trials and tribulations I never imagined my home would get taken away from me. I need things back as they were. They offered to help me for 6 months, and then I'm on my home but what can I do after 6 months with a new car on my credit? I was promised {$500.00} or {$600.00} in an oil deal, but nothing as yet has come of it. This is the reason I was talked into getting the car, so I depended on paying it with what I get from the oil deal. I'm SO DISTRAUGHT, I don't want to accept their money!!! I want my home back the way it was!!!