davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MA)

My Equifax Credit Report contains another individual 's data. The other individual 's data has been recorded in my credit agency reports for over one year -- I am not certain how much longer than that. I started checking my credit reports monthly through XXXX, and the data below is from my XXXX 2016 XXXX report. ) The company reporting the other party 's data did not take care of the problem when it was brought to their attention. That company is XXXX XXXX. I have never owned a credit card from this organization or its affiliates. 
I called XXXX XXXX about a year ago, and spent an inordinate amount of time on the phone with them. Together, we figured out the problem, but instead of fixing the error, they told me to take the problem to Equifax. I knew that was just going to waste more of my time, and believe me -- I have no time to waste -- so I am writing you for help. 
The problem is that my social security number was mistakenly entered into the XXXX record and associated with an individual whose name is XXXX XXXX. 

My name : XXXX XXXX XXXX ( aka : XXXX XXXX ) Soc. Sec. # : provided later in this online complaint form Company Providing Incoreect Information to the CRA ( s ) : XXXX XXXX XXXX Specific Problem Identified by XXXX Employees in a telephone conversation -- Another individual 's credit card account has my Social Security Number associated with it. 
Incorrect Individual 's name that appears in my Equifax Credit Report : XXXX XXXX XXXX of her last payment : XXXX, 2016 Remarks : Account closed by credit Grantor. 

All ll I am asking is for data and name to be removed from my Equifax report, as well as any others in which it may be appearing ( Sorry but I do n't have time to check on that now. ) If you need to see a scan of the Equifax-generated information that comes from XXXX, I can do a screen shot and send you that. Please email me if you need that.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-08-29
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. (NM)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2016-05-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

Our firm, XXXX XXXX, has been monitoring our client 's request for mortgage assistance with Seterus to ensure its compliance with Regulation X and other pertinent servicing guides. This is the third CFPB complaint we have had to file in connection with this client. After a year of back and forth Notices of Error, Seterus finally initiated a proper evaluation of our client 's loss mitigation application for the HAMP modification program. Subsequently, our client was offered a Trial Period Plan that was to begin in XXXX 2016 and the last Trial payment would be made in XXXX 2016. 
Now that our client has completed the Trial Period Plan, Seterus 's counsel in the pending foreclosure has sent us a Home Affordable Modification Agreement to be executed, which states the first modified payment is due XXXX XXXX, 2016. According to investor ( XXXX ) guidelines, if the servicer elects to make the 1st modified payment due the 1st day of the second month following the end of the Trial Period Plan, the Borrower is not responsible for making a payment during the interim month, which in this case would be XXXX. When we contacted Seterus regarding the XXXX and XXXX payment, the representative did not disclose that information. Moreover, the representative instructed us to tell the Borrower to make the XXXX and XXXX payment as if XXXX was required. We believe that is an error and a false and deceptive statement. 
Additionally, the Home Affordable Modification Agreement contained a provision that was not authorized by XXXX. The provision at issue is XXXX. and states the following : " Any and all attorneys fees and legal costs incurred by Borrower or its representatives, with respect to this loan, will be the sole responsibility of the Borrower. '' Pursuant to the XXXX XXXX XXXX published on XXXX XXXX, 2016, the agreement was ONLY to be revised according to the terms provided by XXXX. The provision added by Seterus and/or its counsel was not authorized by XXXX and should be removed.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis (PA)

my bank did a hard inquiry on me without my consent XX/XX/XXXX through CBC Innovis. i was not putting in for a loan or credit card. it made my credit score go down. i'm in bankruptcy right now which will be completed in 9 months.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (RI)

I have applied for a mortgage with Rhode Island housing. They have been unable to finalize my loan because Equifax has a freeze on my Equifax credit report. I have called and they advised me I would need to send my Driver License and copy of my SSN card to verify my information. I faxed over per there request multiple times and sent it with mail confirmation. They have stated they can not read my license. They ca n't tell me if they received the mail copy even though I have confirmation they received it. They will not allow me to email the information directly to someone. Every time I call them state the license is unreadable and the only option they give is to mail it. I have been trying to contact customer service now for over a week and unable to get someone on the phone, In the meantime I can not proceed with the mortgage until they unlock this issue.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a zero balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Remove XXXX XXXX XXXX XXXX XXXX from my credit report permanently Correct COMMENT by XXXX XXXX XXXX XXXX Furthermore, Transunion only sent information on Cenlar. The rest of the report was not sent, so I do not know what else is corrected or not. It has been well past XXXX days. 
Other disputes : Past 30 days XXXX XXXX XXXX exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : - exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX XXXX : -exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement XXXX. Of XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX ... 
XXXX
Consumer complaint received 2015-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I ca n't get an explanation from Transunion for the recent XXXX point drop in my credit score even though there have been no changes in my file that would cause such a drop. Today I was told that I would have to seek assistance from a credit advisor at my expense.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TN)

I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

We recently applied or and are receiving an Equity Line of Credit loan. The Credit Union has granted our application - but sent us our scores which are XXXX and XXXX. The reasons why we received deductions are not true. 
When we called the Experian, there was no option for dispute.
Consumer complaint received 2023-10-09
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I am filing this complaint because Experian has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-04-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

On XXXX/XXXX/XXXX, we traded our XXXX Dodge Durango to a dealership. After the payoff funds were sent to Santander Consumer USA, they refused to release the title to the dealership. The Dealership could not resell the vehicle and then Santander went and took possession of the XXXX Dodge Durango from the Dealership. Now they are trying to collect money from me, claiming it is the balance of the loan.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Previously delected items were added onto my credit report without prior written notification. Per FRCA Section 611 all items must be removed XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXs 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 2024-08-23
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. (MO)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-11-08
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. (LA)

After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did Equifax subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

A security system sales person with XXXX XXXX XXXX out of Utah came to my house to sell me a security system on XXXX/XXXX/2015. He inquired of my date of birth, full name and my husband 's full name. I refused to disclose my birth date and I did not give him my husband 's first name. He then said that he had to verify that I was a homeowner and without my knowledge or consent, made an inquiry on my Trans Union credit report using only my name and address information. I also had not made a decision about purchasing the system from his company and will now not be doing so because he did not receive my permission to do an inquiry on my credit. I discovered this inquiry from XXXX XXXX XXXX ( XXXX ) by email when XXXX XXXX sent me a notification that a hard inquiry had been made on my credit report. I feel that the sales person, has been dishonest with me concerning his intentions to sell me a security system by pulling my credit without my consent or knowledge.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!!
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Incorrect reporting of my status by Transunion The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Transunion needs to correct my account status as Mortgage included in Bankruptcy.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION XXXX AND XXXX HAVE LISTED THE FOLLOWING COMPANIES ON MY CREDIT FILE I NEVER FILLED OUT FOR THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROMOTIONAL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX BANK HAS NO ADDRESS LISTED ON CREDIT FILE XXXX XXXX XXXX HAS 4 TIMES ON CREDIT FILE ONLY FILLED OUT ONCE FOR A CARD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX WAS ALLREADY REMOVED TWICE FROM MY REPORTS NOW IT IS BACK ON FROM SOME NEW COMPANY THAT BOUGHT IT FAKE COLLECTIONS MUST OF SOLD IT TO THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO SUE THEM FOR THIS DUE TO ALL THE FALSE REPORTING I CAN NOT APPLY FOR A HOUSE LOAN FOR MY FAMILY JUST HAD A NEW BABY THANK YOU FOR HELPING ME
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent a letter to Trans Union over 30 days ago about an account that is showing on my credit report that is n't mine. I have attached proof that the account is n't mine but I have not gotten a response back from Trans Union and they still report the fraudulent account on my report.