davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : XXXX : 1. XXXX XXXX XXXX XXXX Account Number:XXXX 2XXXX Account Number : XXXX 3.XXXX XXXX Account Number:XXXX Transunion : 1.XXXXXXXX XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and XXXX so please prove to me how Transunion can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

NOTE : This is NOT a duplicate complaint. Previous complaint returned with " unauthorized third party '' which does not exist in this complaint. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 1. On the credit report from EXPERIAN, there is a " collection '' record from XXXX XXXX XXXX. The balance is {$560.00} first reported on XX/XX/XXXX. On " Payment History '' it shows " Failed to Pay '' on XXXX, XXXX. 
2. A check was made payable to XXXX XXXX XXXX dated XX/XX/XXXX with the amount of {$560.00}. ( this is the exact amount of service requested, rounded up in credit report to {$560.00} ) 3.  On XX/XX/XXXX, the same check was deposited by XXXX XXXX XXXX with proof of check image attached. 
4. The credit report is incorrectly showing " Failed to Pay '' on XXXX, this collection is reported 3 years after the check was deposited by XXXX XXXX XXXX in XXXX 5. A complaint was already submitted to XXXX XXXX XXXX and the company responded that it has requested EXPERIAN to remove this collection record 6. An online dispute was submitted to EXPERIAN to correct this. However, EXPERIAN did not make the proper correction and still shows this incorrect collection record and " FAILED TO PAY '' in current credit report
Consumer complaint received 2023-03-05
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: Experian Information Solutions Inc. (LA)

See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.
Consumer complaint received 2018-10-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

I was given a modification loan in XX/XX/2017, signed and sent it back. Started making all of my payments, but Rushmore Loan Management was not posting them, they were just holding them, and putting non payment on my credit report, after ( 1 ) year and many attempts to get a hold of them to explain, they send me another loan in the mail for more money on the payment. I did not sign, I wanted answers as to why and they back dated the new loan to last year which means all of my payments were short. After trying for several months to get my rep XXXX XXXX to respond, I finally got a hold of someone who made him call me. He gave me what seemed a reasonable answer but basically he said Rushmore made a mistake on the paperwork. He said they would work with me to catch up on the short pays since it was not my fault. So I sent the paperwork back signed. At this point, I wasn't aloud to make my payment. I called XXXX XXXX at least 10 times to try to get my payment in, but he never returned my call. So I mailed a check. The check after 2 weeks has not posted per my online statement and I received intent to file foreclosure paperwork in the mail. No phone call, no reason why. I tried XXXX XXXX another 2 times and still nothing. They lied and miss represented the status getting me to sign the paperwork. I am upset at how they are handling my account. I have been trying to work with them and have call logs on my phone of the number of times I've tried to get in touch with them, with no return call. I also have email documentation.
Consumer complaint received 2024-08-27
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. (GA)

I was shocked and disappointed to see unauthorized inquiries appear on my credit report this morning, and I can't figure out why. I checked it like I always do, but this time, there were unexpected issues. I tried refreshing the page, hoping it was just a glitch, but the inquiries stayed. Because of this, Im requesting a thorough review of the documents Ive sent so I wont have to deal with this XXXX  anymore.
Consumer complaint received 2024-08-27
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. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-08-27
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 always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (TX)

On XX/XX/2018 I spoke with XXXX XXXX from XXXX XXXX XXXX  via a phone call and she informed me that my bank account would be frozen if I did not pay {$5800.00} concerning an alleged debt to XXXX XXXX. I am an elderly person with a hearing problem living on Social Security and was scared by her conversation.
Consumer complaint received 2018-10-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

This company is a fraud and de fraud me I agreed to a 12 % apr on XXXX title loan and had my head ripped off with a GIANT 68 % rate I DID NOT agree to this I was told my rate would be 12 % then I look up Westlake it looks like you the cfpb have fined them XXXX XXXX dollars and my loan XXXX if you can call him that was indicated for fraud from the FBI My " Esigned '' loan documents show 68 % which are forged!!!!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion reported inaccurate Bankruptcy information on my credit file and shared it with XXXX and XXXX XXXX. Attached you will find XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter. XXXX. My Georgia Driver License for verification. XXXX. My Georgia XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX letter. XXXX. TransUnion Verification Letter. XXXX. Bankruptcy Letter. Please have them to remove the inaccurate Bankruptcy data immediately please.
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Receivable Inc. (OR)

I never received notices or phone calls that I owed them money. They said that they called and sent letters but I never received anything. The fees and charges that they sent me seem excessive and abusive. The only reason I realized they had debt against me was because I saw it on my credit report that I looked up on XXXX XXXX
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX I have capital one account on my credit report I send two certified letter about the account both letter came back I asked to send any information about the account no response from them I send the credite buero XXXX remove it but XXXX and XXXX they didnt remove it so please I need this account remove or delete from my report. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX
Consumer complaint received 2022-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.
Consumer complaint received 2024-08-24
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (KY)

We have been in a foreclosure where the loan has been transferred between at least 10 different servicers over several years. We have documented multiple missing payments that we proved were paid and multiple undefined charges just marked as " fee ''. We have agreed to a pre-approved mortgage trial/modification plan but the servicer still foreclosed during an agreed upon time that they would not foreclose. They have been DUEL TRACKING on this loan. On XX/XX/2019 we received a letter from Caliber Home Loans that was dated XX/XX/2019 with an offer for a pre-approved trial/modification offer stating we have until XX/XX/XXXX to accept and that there would not be foreclosure while the trial/modification is being followed. We mailed the signed offer to them on XX/XX/2019 with a letter attached that said we agree to the plan but wanted to know what the amount of principle balance would be after the 5 year modification plan ended. XXXX, XXXX and XXXX scheduled a hearing on XX/XX/2019 asking the judge for summary judgement in the case even though we had an agreement not to foreclose unless the plan requirements are not met in the 3 month trial. I went to this hearing and informed the Judge and Calibers attorney that we had agreed to the offer and were waiting for the request for post modification principle balance. The Judge granted Calibers summary Judgement on XX/XX/2019 even though both the Judge and the attorney had been informed of the agreement between us and Caliber. 
On XX/XX/2019 XXXX XXXX, Calibers attorney, called and said that Caliber asked him to notify us that the amount of principle still owed after the trial/modifications 5 year period would be XXXX XXXX.I was very mad at first because the principle balance after the 5 year plan was more than the claim, but that night on XX/XX/2019 after telling my husband of the offer he said to just send the payment and move on. So within 4 business days of XXXX XXXX XXXX phone call acknowledging that Caliber had received the signed offer and answering our after modification principle balance question we sent the first payment due by the end of XX/XX/XXXX only to find out later that evening when opening our mail that they had foreclosed 2 days before XXXX XXXX even called. 
This is DUEL TRACKING which is against the law both Federal and state.
Consumer complaint received 2024-11-20
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. (VA)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX  I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.
Consumer complaint received 2024-08-27
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)

Delete these accounts and inquires ; XXXX  XXXX XX/XX/year>2023 - {$250.00} XXXX XXXX - XXXX XX/XX/year>2023 - {$170.00} XXXX  XXXX XXXX/XXXX/2023
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through Transunion XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX  XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX XXXXXXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. 

I received a response from XXXX  and Transunion just stating the bankruptcy was validated but did not send any proof of the validation.
Consumer complaint received 2018-12-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (ME)

I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). 
This is just plain False Advertising. 
I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. 

XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.