davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
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. (VA)

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 name : XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my right I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2022-02-07
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. (PA)

On XX/XX/2022 I discovered XXXX XXXX had been re-inserted into my Equifax credit file. You are required to notify me within five ( XXXX ) days of re-inserting a previously deleted item. I did not receive any such notification. Equifax is in VIOLATION of Federal Law 15 U.S. Code 1681XXXX. My federally consumer rights has been violated. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations, if this account is not Deleted from my account IMMEDIATELY.
Consumer complaint received 2020-05-06
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. (IN)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

TransUnion XXXX is reporting a closed XXXX XXXX account with a XXXX dollar balance ( {$2.00} ). This information is incorrect because the balance is XXXX  and the account is closed. See attached screenshot for more information. I have verified with XXXX XXXX that the balance is XXXX.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliver Beach Mortgage, LLC (FL)

Caliber Beach Has sent me a request for loan with out me consent. The letter appears like the current Stimulous package from the Federal Government. it states Available funds {$1200.00}. This is not the check that I may receive from the goverment bail out. 
The letter from Caliber Beach XXXX XXXX. Lender NMLSIS # XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX Phone XXXX
Consumer complaint received 2020-05-06
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2023-06-28
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. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

By the time the CARES ACT was put into effect, our business revenue had dropped by 70 % so we chose to apply to XXXX XXXX for temporary payment suspension on our home mortgage Act # XXXX. The application clearly stated " We won't charge late fees or report additional missed payments to the credit bureaus ''. Our mortgage was current at the time of the application. The application was granted on XX/XX/2020. OnXX/XX/202 we noticed my wife 's XX/XX/XXXX credit score, as it appears on XXXX XXXX, had dropped 41 pts and mine, as it appears on My Fico had dropped 4 pts. This has been since the application was granted and after we did not make our XXXX mortgage payment. XXXX XXXX lists the reason for change as XXXX XXXX using the term " Forbearance ''. MyFico lists XXXX XXXX as the change and shows " Paid as Agreed '' and " Past Due Not Reported '' I contacted XXXX, ID : XX/XX/XXXXat XXXX XXXX today, XX/XX/202 and in a conversation that I have recorded he stated they were being inundated with customer complaints and literally got a memo about this issue with talking points specifically naming XXXX XXXX  within the hour of my call. He tried to assure me this should not have a negative effect on my ability to obtain credit and I stated that wasn't my concern. A 41 point drop on an XXXX score is hardly re-assuring and the fact that is now a matter of record. I have not been able to reach any of the Credit Bureaus and I am seeking the CFPB 's help in getting this removed from our credit history and elevating our scores back to their previous levels.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After hurricane Irma in XXXX capital one deferred are payments for 90 days. they assured us that the account would not be late and we would not be reported to the credit bureau. They did not charge us late fees but it is showing late on my credit report in XXXX of XXXX and also XXXX and XXXX of XXXX. 

I was told by capital one to submit my request in writing which I did but they did not update my credit report with any of the bureau 's. 

I also filed disputes and spoke with XXXX and XXXX and was told that it would be corrected because we were under a state of emergency. I have been trying now for almost two years and they still will not correct my credit report.
Consumer complaint received 2020-05-06
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: GOLDMAN SACHS BANK USA (TX)

I did not authorize anyone employed by GOLDMAN SACHS OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2020-05-06
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. (TX)

I did not authorize anyone employed by XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-06
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: EQUIFAX, INC. (TX)

I did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX and XXXX   did, and this in addition to several other inquiries started after the Equifax data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I sent out a payment of {$1300.00} XX/XX/XXXX after I received letter from SunTrust mortgage company regarding escrow shortage of {$1300.00}, intend to keep my monthly mortgage payment same as XXXX. The additional payment sent has a memo of my loan number and purpose of the payment is for the escrow shortage. However, instead of applying the payment for escrow shortage, it applied the payment to principal. In additional, it left my monthly mortgage payment unapplied, and claim I am late for mortgage payment, which would cause additional fee and interest payment while having unapplied payment from my account. This is not the first time this has happened to my account. It seems SunTrust has a systemic issue to handle escrow payments.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OK)

I requested complete debt validation I did not receive complete transparency This debt was written off with a XXXX balance. 
I'm requesting Jefferson capital systems provide valid documentation that verifies the amount they paid to buy this debt of {$1000.00} I want to see the signature I put on any contract guaranteeing I would pay Jefferson Capital systems for this debt. I want proof Jefferson Capital systems have the chain of title to collect on this debt.
Consumer complaint received 2020-05-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (VA)

American Educational Services has failed to help FFEL borrowers during the COVID 19 crisis. They only offer forbearance where interest will accrue and be capitalized. FFEL borrowers not at fault that our federal loans were sold to private lenders. Other companies such as : 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 of the State of Missouri 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 ) have done the fair thing and suspended payments automatically. American Educational Services ( AES ) putting profits in front of people.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (MI)

1STPROGRESS/XXXX Credit Card with account XXXX XXXX opened on XX/XX/2021 and balance of {$150.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2020-05-06
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. (TX)

I did not authorize anyone employed by XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.