davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
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. (NY)

I made a request to rent an apartment to a corporation XXXX XXXX XXXX. I let them know that my credit bureau was FROZEN and that they would let me know to unblock it. 

Today I received information that they now had access to my COMPLETE credit history. I called TRANS UNION and the representative told me that this was impossible, that no one can have access to my COMPLETE credit bureau, since it was FROZEN. 

I attach as evidence the document that describes that they did have access to my COMPLETE credit history and that the FREEZE function does not work. 

XXXX XXXX XXXX via XXXX. XXXX XX/XX/XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The representative told me that this is impossible and that she should send the evidence. Then the call hung up and I couldn't get through to TRANS Union anymore. I do it this way so that it is well investigated how TransUnion allows any company to have FULL access to my credit history. 

Why does TransUnion allow another company to come and access my complete history while my credit is FROZEN? I believe this is illegal and they should take action.
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SACOR FINANCIAL, INC (AZ)

In XXXX a suit was filed by Columbia Credit Services XXXX XXXX XXXX XXXX XXXX against me for a credit card loan they allege I owed. Because I was unaware of this action, I did not attend the hearing and a judgement was entered against me for approximately {$7200.00}. The judgement was renewed in XXXX and one final time in XXXX. 

In XXXX, while attempting to qualify for a home loan, it was noted by the underwriter that there was an unpaid judgement against me for approximately {$17000.00}. Because I do not recall ever having a credit line that large ever at that point in my life, I contacted the attorney of record and tried to negotiate a settlement offer so it would not affect my mortgage. The attorney refused and ultimately filed an additional claim for his fees. He was not able to verify the original creditor, the original loan amount, or the high interest rate ( 10 % ) cited in the court filing. Nor did they produce documentation to verify. 

According to the court filing, the original judgement was last filed on XX/XX/XXXX. No more renewals were filed until XXXX XXXX. Because Arizona law requires judgements to be renewed no more than months BEFORE the 5 year renewal deadline this judgement is time-barred and no monger valid. Nevertheless, the attorney has issued a debtors exam summons from the court. Moreover, the fact that they have waited so long ( presumably for interest to accrue ) I feel that this practice is an unfair lending practice.
Consumer complaint received 2023-10-30
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 am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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 2023-10-30
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lendmark Financial Services (KY)

I submitted a complaint a couple of days ago due to the number of calls that were being made to me during the week ... after this complaint I set up a payment arrangement and have it scheduled to be directly withdrawn on XX/XX/ in which my account will be due for 34 days. The very next day I received I phone call from the company from the company line, and 3 hours later I got another call from a cell phone number that is registered to an employee with their company. I have a payment set up and there is no reason for them to harass me to this point.
Consumer complaint received 2023-10-30
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. (NJ)

I am writing to formally dispute the reporting of late payments on my Transunion consumer file, specifically related to 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, Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK. 
It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands. 
Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made. 
I thank you in advance for your cooperation and expect a prompt resolution.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the past two years I have been trying to fix my credit to purchase a home. Transunion continues to report my information inaccurately and I continue to lose my financing because of this. Ive even lost a few lender credits. Transunion never updates the information when I ask, they have reported a dispute inaccurately and they continue to use stall tactics which keep me from getting higher credit limits. Meanwhile I believe they are selling my information because right after I deal with Transunion their is a barrage of creditors and lenders trying to sell me stuff.
Consumer complaint received 2023-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Specialized Loan Servicing Holdings LLC (GA)

Subject : Discrepancies in Loan Documentation Provided by SLS Specialized Loan Servicing, I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the loan originator : XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ), and the XXXX XXXX XXXX XXXX XXXX XXXX. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the XXXX Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : XXXX.
Consumer complaint received 2023-10-11
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update or delete these items. 

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
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2023 I called into NC State Employee Credit Union at about XXXX XXXX to order a new debit card because I had lost my debit card. I had to wait about 7 to 10 days to receive my new debit so I didn't receive it until about XXXX XXXX. On XX/XX/2023 fraudulent chargers came through my account that total {$320.00}. I immediately called the bank and spoke with someone and ask how did this happen. I was told that my old debit card was not cancel out properly and My old card was link to my new debit card. I just got this new card so I had even use it so I was very frustrated that I have to deal with someone else mistake by disputing the charges and waiting 10 days for the bank to investigate all because of their mistake. This was not fair to me. I asked to speak with a supervisor and the lady decline. 

Checking Account PROBLEM : Unauthorized Transactions
Consumer complaint received 2023-10-30
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. (NJ)

I am writing to formally dispute the reporting of late payments on my XXXX XXXX file, specifically related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian 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 Upon reviewing my credit report ( Reference Number : XXXX ), I noticed that these late payments are inaccurately reported, which is adversely affecting my creditworthiness. 
Under the Fair Credit Reporting Act : 15 USC 1681 Section 602 guarantees my right to privacy. This ensures the confidentiality of my credit report and mandates that information on it must be reported in a way that is fair and accurate to protect the consumer 's privacy.

15 USC 1681 Section 604a Section 2 stipulates that a consumer reporting agency can not furnish a report containing information on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living without the consumer 's written instructions.

In light of these provisions, I challenge the authenticity and validity of the late payments recorded on my account and request your agency to produce evidence or documentation that validates this reporting in accordance with my written instructions.

Moreover, in alignment with 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless they have adopted reasonable procedures designed to ensure that each periodic statement contains the required information. Hence, I demand proof that the said procedures were correctly adhered to in my case If you can not produce the necessary documents validating these late payment entries, or if the entries are found to be inaccurate, I kindly demand that they be deleted immediately or be updated to reflect as Paid on Time or OK.

It is essential for credit reporting agencies to ensure that all consumer reports are accurate, and any inaccuracies are dealt with in a swift manner. I trust that you will handle this matter with the urgency and attention it demands.

Please initiate an investigation into this matter immediately. According to the FCRA, you are required to conduct this investigation within 30 days of receiving this letter. Upon completion, I request to be informed of the outcome of your investigation and to receive an updated copy of my credit report if any corrections are made.

I thank you in advance for your cooperation and expect a prompt resolution.
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX I visited the XXXX under the XXXX XXXX while holding a XXXX visa, during which I got my SSN. Throughout my time in the country, I diligently safeguarded my SSN. However, on XX/XX/XXXX when I returned to the XXXX with the intention to work and opening a bank account ( and applying for credit card ), I decide to examine my credit report with XXXX, and the findings were profoundly unsettling. It became apparent that an individual had illicitly accessed and misused my personal information, including my SSN. I have a detailed report from XXXX with all bank accounts and credit cards, which have been opened for my name and SSN. There is a wrong Year of Birth connected with this fake account. There are fraudulent accounts in my name and associated with my Social Security Number ( SSN ) within the credit reporting agencies XXXX, XXXX, and TransUnion, complete with fabricated credit reports. 

There are fake bank accounts and credit cards : - XXXX XXXX  credit card opened XX/XX/XXXX - XXXX XXXX credit card opened XX/XX/XXXX - XXXX XXXXXXXX credit card opened XX/XX/XXXX - XXXX  XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX XXXX credit card opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX ) - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX - XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX ( contact number is XXXX XXXX ) - XXXX XXXX XXXX  opened XX/XX/XXXX ( contact number is XXXX XXXX XXXX )
Consumer complaint received 2023-10-30
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-30
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)

( Accounts ) XXXX XXXX XXXX  Date Opened : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX-The following personal information is incorrect. The personal data reporting is inaccurate.
Consumer complaint received 2023-10-30
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. (GA)

I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX  credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (TX)

To whom it may concern, Santander is violating my rights and the Fair Credit Reporting Act in particular 15 USC 1681 s-2 which governs furnishers if information. The law prevents furnishers of information from reporting income which is what Santander is doing in the form of reporting a charge off which they reported bad debt and therefore deducted as income. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.

The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says Santander is a furnisher of information to a consumer reporting agency.

Santander is PROHIBITED BY LAW to furnish inaccurate information.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 And in addition they are continuing to report my account as late payments as well which is another violation. 

After seeing the inaccuracies On or around XXXX XXXX I sent a dispute letter to Santander expecting for my concerns to be taken seriously and corrected as the law specifies. On XXXX I received a form letter back with a blanket denial which one of them stating that I had sent a dispute before, which I had for an unrelated issue. Instead of giving my correspondence the respect that it deserved they systematically denied it. 

Santander has been in violation of the Fair Credit Reporting laws numerous times in the past and in fact recently just lost a large judgement for similar behavior which shows a pattern of intent to damage and defraud the public and is not learning from past judgments.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

Complaint ID # XXXX ConServe responded to my initial complaint .stating their records do not reflect any previous telephone communications directly between you and any of its representatives. And a cease and desist has been noted by Conserve and I will receive no further communication from them. With that being said. 
I am fallowing up to make sure all negative reporting are removed from the credit report in question. 
According to FDCPA unfair and DECEPTIVE PRACTICES ARE A VIOLATION OF THE CONSUMER RIGHTS AND MUST BE REMOVED. AND DAMAGES ASSESSED ACCORDING TO CONGRESS. 
Also, Parties may be considered volunteers if, in making a payment, they have no interest of their own or protect, they act without any obligation, legal or moral and they act without being requested to do so by the person liable on the alleged original obligationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (SC)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX XX/XX/XXXX