davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I started investigating my credit report to prepare for buying a new car but realized my personal information was inaccurately reported. I sent a dispute letter to the credit bureau to correct and remove the wrongly reported info but have not heard from them.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

DEAR SYNCB/TJX COS ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in [ XXXX XXXX ]. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( XXXX ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights. 
* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-09-27
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. (VA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 2024-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
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. (MA)

I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, Experian, XXXX XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX Experian XXXX XXXX XXXX also being reported with mis account active dates. by all three, Experian, XXXX, XXXX. 
This account ( XXXX ) is being reported with in correct information on the balances., by Experian and XXXX. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, XXXX, and Experian. As well as XXXX reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX Experian XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX XXXX Balance Owed : {$7200.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I am trying to pay my loan faster than the minimum required as a way to pay less interest over the life of the loan. Rather than applying my payments over and beyond the minimum due to principal, Mohela has applied multiple of my payments to cover the next month 's payments ( including interest ). This negates the benefit of paying additional money for the purpose of lowering the principal and thus interest. Despite multiple calls, online requests, and emails, they keep applying payments to future month 's rather than reducing the overall principal as a means to reduce overall interest accrued on the loan. 

Additionally, Mohela put my account into a forbearance status WITHOUT my requesting to do so. On XX/XX/27 when they were supposed to withdraw {$210.00} from my account per my monthly withdrawal schedule, they instead put my account into forbearance AND continue to charge daily interest on the account. This is costing me additional money as not only would they not accept my scheduled monthly payment to lower the principal balance and overall interest, they are now charging me MORE interest on a higher principal balance since they wouldn't accept my monthly payment. When I called Mohela about this, the representative advised this has been a common system error with Monhela and that many accounts have been put into forbearance by this error. He advised interest would continue to accrue and there was nothing he could do to stop that. He then advised it would take Mohela several weeks to fix the error and restart my monthly payments ( all the while, my loan balance increases due to continuing accrued interest ). I then attempted to make a {$100.00} payment on my loan balances, but they once again applied that to a next month 's payment -including interest. 

I'm requesting they start collecting my monthly payments ( including additional principal payments ) and take my account out of this unrequested forbearance. Additionally, since the forbearance was caused by their error, I want them refund any interest that accrues on my account during this time.
Consumer complaint received 2023-03-17
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. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} Original creditor : XXXX Balance : {$390.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (OH)

I need help with being identified as a XXXX XXXX Victim. I have provided the documentation to substantiate my identity and the items that are the result of that XXXX  : I have provided As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) https : //www.consumerfinance.gov/ I have supplied my ID, Social Security card , Bank Statement, Victim Determinatation Letter, Self-Atestation statement, Items idenified to be the result of trafficking to be blocked, FTC Report
Consumer complaint received 2024-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (GA)

Our family had received a letter from a third party Law firm that our mortgage Servicer is using as an intermediary stating that our mortgage will increase starting the XXXX of XX/XX/year>, this increase is the result of higher taxes on our property. So the increase has raised our escrow payment. In reality our property taxes are lower this year according to the letter we received from the county. 
We called Mr.Cooper our mortgage servicer about the matter we were told that they obtained a record of our taxes from the internet which might not have been accurate, so we sent all the paper work and demanded a letter stating that the correction had been made, but never heard back from them. 
Thie prompted us to file this complaint.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to formally lodge a complaint against XXXX  XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress. Account Name : XXXX XXXXXXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to formally lodge a complaint against XXXX XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

I applied for a job with the XXXX XXXX. They do a background check just like the others I work with example ( XXXX and XXXX ). I completed the information asked for. They do the background check and comes back with something that happened in XX/XX/year>. It was XXXX XXXX, which means UNWILLING to prosecute. That was 25 years ago. Checkr the company that did the background check reports that it was a Adjudicated which they made a decision about something. THIS NOT THE SAME! The company CHECKR is making seem as though things have happened worse than they were or just plano trying to make peoples life harder. And I do believe Checkr ONLY DOES THIS TO XXXX PEOPLE. 

XXXX is not a company that can make or break my life. I NNEED them to know and ANYONE USING Checkr, they are screwing people over by changing words in reports. ONE WORD DOES MATTER! I have worked for XXXX and VERY LARGE XXXX XXXX  and I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and youre telling me its a you want to make this a problem and its NOT a problem for the XXXX GOVERNMENT!? I have NEVER SEEN THIS. I am outraged and appalled at the MISINFORMATION THAT CHECKR HAS PUT ON MY BACKGROUND! And know they put it there because it was NEVER THERE!
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2024, I discovered that I had multiple inaccuracies reported on my credit report by XXXX XXXX XXXX XXXX. This information is incorrect because the date of last payment, past due amount, payment amount, date opened, and high balance were incongruently reported on my credit reports. 

On XX/XX/2024, I sent formal dispute letters to XXXX, XXXX, and TransUnion, including reasons to support my claim. The credit reporting agencies have yet to correct the information, which continues to negatively impact my credit score.

I have also sent formal dispute letters on XX/XX/2024, XX/XX/2024, and XX/XX/2024 to investigate and correct these inaccuracies. Over the course of XXXX months, I have yet to receive a response, and this is greatly hurting my credit score. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i : this section describes the procedure for disputing inaccurate information. It requires credit reporting agencies to investigate disputes and correct or delete inaccurate information within a certain time frame. 

Thank you for your attention to this matter.