davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (KS)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
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. (FL)

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT NETCREDIT/REPUBLIC BAN ACCOUNT NUMBER XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (AZ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft and I would like all accounts removed from my credit report XXXX XXXX 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 CAPITAL ONE AUTO FINAN XXXX
Consumer complaint received 2015-12-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Roycroft Management (SC)

I originally had a loan with a company-Check N Go that was defaulted on. I may have received one piece of correspondence in the mail from the company however have not received any other mail or phone calls. Today out of the blue I receive a phone call from a " locator '' looking to find me in order to give me a phone number to call a number about a case or I would be served with papers. I called the number given-XXXX and spoke with a XXXX XXXX. He informed me that I was going to be taken to court for all of these charges if I did n't pay them or set up a payment arrangement giving them a credit card of bank account number. I asked for the name of his company and told him that I needed something in writing. He said I should know about the debt and if I did n't set anything up today then there was nothing that could be done about the file and I would be served. I asked the name of the company and he gave me " Central Mediation Services ''. They further went on to say that I would be served at my place of employment if I did n't comply.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AR)

After contacting Equifax to get a dispute taken care of, my name was changed by them because a collection agency told them the name on the account was wrong. They sent them no proof, just said that they knew it was wrong because of the account name they had. When I received the results from Equifax and noticed this, I called Equifax to try to get the name put back on there correctly. They stated that they had to have proof from me ( copy of driver 's license, social security card, passport, etc. ) before they could changed the name. I asked them if they had proof from the collection agency that my name was what they changed it to and they said no but that they had to have the correct name to report to them. When I called back in XXXX, 2015 they had XXXX separate names listed. I told them then that XXXX of the names was wrong and was never my name. They said ok, XXXX names would stay. I accepted that because I was n't sending them anything through the mail for proof. When I received this new information on XXXX/XXXX/15, the other name ( which was the correct name ) had been taken off entirely. I requested that Equifax put the correct name back on there and they said they could not do so without sending the proof mentioned above. Again, I asked how a collection agency could change my name without this information when, I, the account holder could not change it without this information. They said they must have proof from information they had. I stated then they did n't have proof or they should have shown it to them ( Equifax ) as well. They refuse to change my name without these copies and I refuse to send it to them because I do n't want it falling into the wrong hands. 

It is up to them to prove why they changed my name. I have had no problems with any other credit reporting agency. I have no problem sending this information to a legitimate company but do not know why I should have to prove who I am when the collection agency had NO RIGHT to change my name in the first place. They had the correct name on the account when I called in to dispute the last problem. They should have NEVER taken it off without contacting me, either by mail or e-mail. 

I would like to have the correct name put on there and the other removed in its entirety. Please advise what my options are. Like I said earlier, they are the ones that removed the name WITHOUT MY PERMISSION and without any proof.
Consumer complaint received 2024-10-08
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. (IL)

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX XXXXXXXX ( XXXX XXXX, XXXX ) - Fecha de consulta : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX ( XXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Fecha de consulta : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX. XXXX / XXXX Account Number : XXXX Balance : {$3000.00} Account Status : Charged off as bad debt, loss reported by creditor. Date Reported : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Account XXXX : XXXX Balance : {$0.00} Account Status : Closed, reported as loss. Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Status : Charged off, loss reported. Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-07
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. (OH)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-07
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. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
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. (CA)

In accordance with the Fair Credit Reporting Act, this list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states 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 or any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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

Account Name : XXXX  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX  XXXX XXXX XX/XX/year> Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2015-12-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CT)

On XXXX/XXXX/2015 I spoke with equifax customer service about having more than XXXX credit report. Equifax verified that I have XXXX credit reports ( Confimation # XXXX ). I was informed that equifax would merge the reports, but I had to fax a copy of my social security card and proof of address. A copy of my social security card and drivers license was faxed to equifax. Rep explained that it could take up to 90 days to complete the merge. 
On XXXX/XXXX/2015 I received an email from equifax stating that they could not merge the reports. The same day I filed a complaint with the CFPB ( XXXX ). Equifax responded and stated that they will merge the reports and that it could take up to 90 days. 
XXXX/XXXX/2015 called equifax to get a status of the merge. I was told that I need to fax a copy of my social security card and drivers license. This information has already been provided and verified. After verifying this information and informing me that the reports would be merged, it appears that nothing has been done. 
When I pull my report I get the same report each time, and ca n't see the contents of the XXXX report. I have no idea what information is being reported on the second report. As a consumer I should have access to any/all information being reported on these reports. 
I have been denied credit based on information obtained from equifax. Creditors base their decisions based on negative information that I ca n't see, and have no idea if it is valid or not. I have also asked that equifax mail me copies of both reports. They stated that they would mail the reports, and I have never received them. As a consumer I have the right to know what is on these reports, and the ability to dispute what may not be valid. I should be able to make a credit decision based on what my reports contain, and not what a creditor can see and I ca n't.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MD)

After 5 years of spending thousands of dollars, as well as sustaining bankruptcy in efforts to save my home that is my primary residence, a company that worked on my behalf got my mortgage company, Nationstar, to agree to modify my loan, if I agreed to drop a 'QUIET TITLE ' civil suit that was pending in civil court against them as well as sign a legal statement from their attorney stating that I would no longer be represented by my former attorney. They sent me what I just discovered was some sort of general modification agreement and not one that is HUD oriented. The modification was originated by 'The XXXX XXXX XXXX who worked out the negotiations. My loan was modified to 2 % and the new monthly payments are more affordable and now I am able to continue to successfully meet my mortgage payments. However after I was no longer legally represented by 'ANY FIRM OR LEGAL REPRESENTATIVE ' ; three months into my trial period, the mortgage company REJECTED MY NEW MODIFICATION AND IS NOW TRYING TO FORECLOSE ON MY PROPERTY FOR THE 4TH TIME SINCE ALL OF THIS STARTED. I sought legal help AGAIN, and this time finally got help from XXXX of the HAMP agencies who work through HUD. BUT now they have told me that after finding issues with what I just went through, they could not help me either. I AM SEEKING A GOOD MORTGAGE LIGITATION ATTORNEY TO ASSIST ME WITH BEING SCAMMED OUT OF MONEY AND BEING TAKEN ADVANTAGE OF BY ALL OF THESE PROGRAMS WHO PROCLAIM THEIR HELP BUT NEVER HELP YOU ACHIEVE THE DESIRED RESULTS YOU SEEK. ALL I WANT TO DO IS TO SAVE MY HOME. I DO N'T WANT THIS TO DRAG OUT FOR ANOTHER 5 YEARS UNTIL I EITHER LOOSE MY MIND OR MY JOB AGAIN! Thus becoming a victim of 'less than qualifying income ' that will put me in the status of 'REALLY NOT BEING QUALIFIED ' for continuing to keep my home. Is this the undercover strategy being use to achieve the mortgagors primary goal? : : 'to obtain property for future profit ' ; NO MATTER WHO SUFFERS THE LOSS? PUT A FAMILY IN THE STREET FOR THE PURPOSE OF GAINING A PROFIT LATER WHEN TIME MAKE IT PROFITABLE FOR THEM TO DO SO! IS 'GREED ' THE NEW DESEASE WE NOW HAVE TO FIGHT? WHAT HAPPEND TO THE LEGAL ACTIONS OF FORFITING A CONTRACT? WHAT LAWYER CAN ARGUE THESE FACTS? PLESE CONTACT ME. I NEED LEGITIMATE LEGAL REPRESENTATION FROM A FIRM/ATTORNEY WHO IS WILLING TO SUPPORT WHAT IS RIGH UNDER THE LAW IN OFFERING ME THE LEGAL ASSISTANCE I NEED TO SECURE MY HOME FROM THESE PREDITORY LENDORS WHO BREAK CONTRACTS FOR THEIR PROFITS ' SAKE!