davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Unacceptable response to complaint XXXX as your investigation only verified name rank and serial number, which is not what I 've disputed. I will again submit a follow-up compliant with Experian until Experian takes the same position as XXXX  by refusing to support a known predatory loan that not only was part of a class action suit that cost XXXX XXXX 150+ million in settlement costs, but was even identified by the grantor " XXXX XXXX '' itself as being handled in error. 

Experian continues to allow XXXX XXXX to stand behind their predatory lending practices as the home equity loan in question was an instrument of XXXX XXXX home loan, which affected roughly half a million borrowers that took these XXXX loans under false pretenses from XXXX, me being one of them. XXXX Bank and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because XXXX loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' In addition to XXXX admitting that they error-ed, said home equity loan was transferred in XXXX of XXXX under Account XXXX while litigation proceedings were still in progress and without notifying me or my attorney of this critical piece of information that would have otherwise alerted my attorney of XXXX XXXX 's intentions to proceed with foreclosure and sale of the home in lieu of working out a true modification that would have upheld the loans original commitment.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (PA)

This morning, I was disheartened to find unauthorized inquiries on my credit report, and I have no idea why they're there. My routine credit check revealed discrepancies that appeared out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. Given this issue, Im urgently requesting that the documents Ive submitted be reviewed thoroughly so I can have peace of mind.
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (SC)

This occurred from XX/XX/XXXX-XX/XX/XXXX The company is Seterus INC of XXXX Oregon They have reported us as in a foreclosure, and although one credit agency has deleted it as erroneous, it remains on the other 2. 
This caused my wife and i a 15 yr refinance, and a lot of time and money. Seterus has refused to remove the erroneous foreclosure from our credit, and it is ONLY thing in over 30 years we have negative on reports. 
We have written them, called S them ( Seterus ), and even had a credit helping agency work on our behalf, but Seterus will not remove it, and it is false and erroneous.
Consumer complaint received 2024-09-11
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. (NY)

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account numbers. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (OH)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2017-08-29
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. (CA)

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS
Consumer complaint received 2024-09-11
Product: Credit reporting 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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-11
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. (GA)

On XX/XX/2023 reported a inquiry that I didnt approve of : 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
Consumer complaint received 2024-09-12
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. (CO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (PA)

when I found out that the loan for my mortgage was in the wrong name, I contacted the XXXX, the mortgage company at that time. They did nothing. I sought legal advice to have it removed. I was told that I had to refinance my house, if I wanted it out of that persons name. XXXX told me they did n't do refinancing or modification. I contacted other companies for modification but unfortunately I was XXXX mailed by the person whose name was in the loan. He requested money to sign the paperwork. After I paid him the money, he left town. This caused my house to foreclose. XXXX then transferred my loan ( with the same fraudulent paperwork XXXX to XXXX home loan. I spoke to XXXX today, XXXX/XXXX/XXXX, for the XXXX time, about the fraudulent name and documents. According to XXXX, there is no paperwork with my name on it. Now that my house is in foreclosure, and I 'm not able to do any transaction or ask any question, unless I give them the info for that criminal that they have all over my paperwork, I have no choice but to report this fraudulent act to the government. I had to declare bankrupt, just to save my house, as I 'm the rightful owner. 
I 'm trying to settle this matter without filing a civil suit, as I 've exhausted all my financial resources. The owner of the loan is XXXX Master Participation XXXX. They are predators, who preyed on innocent people like myself. They falsified the paperwork when I did my refinancing in XXXX, removed me as owner of my house, while they collected money from me for the mortgage. I was not able to enquire about my property, without giving them the info of the criminal that they used to XXXX side me. I brought this man to the settlement at the time of closing in XXXX XXXX, based on what they told me. I never knew that they would put my house in his name. This was a scam and fraud, but I never knew it then. It was n't until XXXX, when I refinanced the house, that I realized that I was scammed! I had no choice but to include the scammer in the refinance process. That 's how XXXX, had it set up. XXXX, kept transferring me from XXXX servicer to another. Finally they sent my paperwork to XXXX, whose plan is to take away my house.
Consumer complaint received 2017-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I contacted Transunion on XXXX/XXXX/XXXX in regards to a disputed public record and XXXX other unverifed accounts on my credit report. Transunion failed to provide me verification of the above disputed items nor did they remove them from my credit report. When I called, I was told that they did not have a disputed from me on the date in question. The next time i called i was told that the investigation was incomplete. As of today i still have not received verification, method of verification, a notice of failure to verify or an deletion of this incorrect information which is a violation of the FCRA.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (LA)

We charged the account for XXXX to pay for our extended stay hotel. we called the customer service line about it because it took an extra {$60.00}. They customer service reps were very rude and didnt want to help at all. They wouldnt provide the company that they were from. Ive tried to contact all points of reference. This has caused damage and made me lat on other bills.
Consumer complaint received 2017-08-29
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. (MA)

I had a foreclosure with XXXX XXXX 4 years ago and they continue to report it as a missed payment every month even though the house was sold 4 years ago so on my credit report it looks as though I 'm still missing payments and in arrears
Consumer complaint received 2024-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC (MI)

I have been repeatedly trying to get my autopay setup for my online account. I have contacted the company by phone and by chat message and continue to be led in circles. They first claimed there was an error with my account, then that they needed additional documents. However when I try to send the requested documents that they have previously already been provided at closing, their messaging system provides an " unknown error and to try again later ''. This continues and will not let me send the documents in. 

I have attached the closing document package to this complaint, containing the " required '' XXXX that they say they don't yet have - though was signed at closing - in order for me to access my full online account and get my autopay set up. The XXXX can be found on pages XXXX and XXXX of the PDF.
Consumer complaint received 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Meridian ARG Inc. (MO)

I was notified that the company was calling family members about me so I called them. They did not have the correct date of birth. I explained I had filed bankruptcy and to call my attorney. They were notified on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX. At XXXX on XXXX/XXXX/XXXX they left a message threatening to inform my employer. I called again at XXXX trying to explain I had already provided them the information about my attorney. I was hung up on. I called again at XXXX and was told company policy was that it took XXXX and they would continue to call me and my family until then. I explained again I had filed bankruptcy and I was hung up on.
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I do not own this account and was never notified by anyone until it showed up on my credit score. Terrible repeated phone calls to where i was forced to block their number. They need to take this off of my credit report.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting of a debt that has not been validated as mine and for reporting the same account multiple times on my credit report, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issue 1 : Reporting of Unvalidated Debt According to the FCRA, credit reporting agencies must ensure that the information they report is accurate and complete. In my case, TransUnion and XXXX have reported a debt that I have disputed, and they have failed to provide validation that this debt actually belongs to me. I have made several attempts to dispute this account and request validation in writing, but neither TransUnion nor XXXX has adequately investigated or corrected this error. 

This is a violation of my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), which requires that credit reporting agencies conduct a reasonable investigation after receiving a dispute from a consumer. Since the debt has not been validated, it should not continue to appear on my credit report.

Issue 2 : Multiple Listings of the Same Account Additionally, the same debt has been listed more than once on my credit report, which negatively impacts my credit score. Reporting the same account multiple times is misleading, inaccurate, and a violation of the FCRA. According to 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting the same debt multiple times does not adhere to these standards.

Harm to Credit Score The inclusion of unvalidated debt and multiple listings of the same account have directly harmed my credit score, preventing me from obtaining credit on favorable terms and negatively affecting my financial stability.
Consumer complaint received 2023-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2017-08-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I have a student loans, well, two student loans ; one subsidized and the other unsubsidized. These loans started out at about 39K now they are over 45K. I have been on an Income repayment plan - but this is a catch 22! The principal is growing at extreme rates - where I will never ever be able to repay. I feel I was ripped off from the get-go with XXXX XXXX. telling me to take loans and take money and I would not have to pay back. 

I would like to make a lump sum offer, but it seems that I have to be in default - which again is a catch 22, because my Income based repayment amount is " XXXX '' XXXX! So, how can I default to have the creditors come after me to then offer a payoff or lump sum! 

Something needs to be done with this system. I do not want this to grow on my account for 10 years then have it be excused - like they say it will be. I would rather settle this now if possible - please help! Do I need a lawyer? Thank you, XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I need to address a serious concern regarding my credit scores, which are being negatively affected by inaccuracies in my credit report. These errors are significantly lowering my scores and making it nearly impossible for me to access credit or loans when I need them. This situation is causing me a great deal of stress and hardship, and its impacting my overall well-being.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

Called XX/XX/XXXX to request that account be closed before annual fee posted. Agent said 'their systems were down ' so she could n't give me a confirmation, but assured me the account would be closed and there would be no annual fee charged. No surprise, the card was not closed, the fee was charged, and they are refusing to refund it saying they have no record of my call and their systems would ALWAYS magically have a record of the call even if the systems were down.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have asked for the incorrect information to be removed from my reports and they have not removed any inaccurate information. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My employer is XXXX XXXX XXXX located in XXXXXXXX XXXX XXXX XXXXXXXX. I have provided the credit bureaus with my correct information and they have not removed any inaccurate information. I would like for them to remove the inaccurate information immediately.
Consumer complaint received 2024-09-11
Product: Credit reporting 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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-04-27
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. (NY)

This is my complaint to Transunion for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/2022 and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.