davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (NV)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 142. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Consumer complaint received 2024-01-29
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed withinthe specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX : {$10000.00}.
Consumer complaint received 2024-01-29
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. (GA)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC (NY)

The mortgage company ( Shellpoint ) is claiming Im the co borrower on a mortgage with the former owner who died in XXXX. I purchased the home in XXXX. My name supposedly appears in XXXX as a co borrower. Shellpoint does have my correct XXXX XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit, XXXX, Portfolio Back to back phone calls, all throughout the night, during work, I had to change my phone number because it would not stop ringing, ever. When I did answer, I was met with a very vulgar and inappropriate discussion. They contacted my immediate family, harassed them. I have a judgment that was filed in XXXX  that I have not been aware of until now. 
I'm unable to open bank accounts, unable to obtain credit, they have caused an extensive amount of hardship on top of the hardship I was already facing. 
The accounts stem from XXXX credit cards my son 's mother opened in my name. 
She left immediately after he was born and I have had him by myself since he was born. 
During this time, I was a XXXX  father with newborn baby, lost our home. 
At the same time, they are calling, harassing me, making it impossible for to obtain financial assistance. Making it impossible to even use my phone, My phone would go dead by lunch, I could not even use it, I would have to turn it off. non-stop, back to back to back, without cease. 
Also, at the same time, I failed to close the checking account at the bank I was with and the monthly service fee over drafted the account XXXX dollars, resulting in XXXX dollar daily overdraft fees until my account reached XXXX XXXX dollars. Then closed the account. 

Total balances : {$900.00}, XXXX, {$400.00} XXXX XXXX, XXXX XXXX and XXXX XXXX dollars. 

My son is now XXXX, we still do not have a home that ours, Nor do I foresee us having a home or anything anywhere in the near future unless these matters are resolved. 

I do accept full responsibility for the debts, I do not think it is fair the way midland credit management and its associates handled the account, especially in such a critical time in my life. Thank you.
Consumer complaint received 2024-01-29
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. (FL)

When I investigated my credit report, I realized that some of the information was 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (MA)

I am writing to bring to your attention a matter concerning inaccurate information on my credit report, which I previously reported to TransUnion on XX/XX/XXXX. Despite my initial contact, I have yet to receive a response from TransUnion. The details of the inaccuracies and the necessary corrections are outlined below : The account with XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$500.00} ) has never been late. I request the correction/update of this inaccurate information on my credit report. 


The XXXX account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ) is not mine, and I request its removal from my credit report.
Consumer complaint received 2024-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (GA)

This is the information I sent on XX/XX/XXXX to EdFinancial : On XX/XX/XXXX I made a payment in the amount of {$18000.00} from my bank account. My intention was to pay off my oldest loans.

Someone at EdFinancial applied it as three separate amounts : ( {$570.00}, {$14000.00}, and {$3400.00} ). Of much greater concern, they backdated the payments as though they had been made on XX/XX/XXXX. And even MORE concerning, they entered these payments as \ '' Paid By Discharge And/Or write-off.\ '' This looks like fraud to me. '' Right around the time I made this payment, EdFinancial emailed me to let me know I was entitled to partial forgiveness of my loans as I had been on an income driven repayment plan for many years. I have never received any of these funds. AND before I saw that email, I paid the balance of my loans off to avoid paying interest ( the interest rate had increased substantially since XXXX ).
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

I do no believe this debt is accurate. This was a business debt. The business was shut down due to lost of clients. This debt is overcharged or totally inaccurate. I do not know what the charges are for and how old these charges are. I do not know when these charges were made.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX XXXX XXXX XXXX closed my account. And that's fine. The statement close date is usually the XXXX of each month. I recently paid the card down to XXXX XXXX XXXXXX/XX/XXXX and the card is still showing a balance on my credit report. 

They normally would post the statement if there was a balance on it. But i find it odd that now there is no balance on it and it's going on 2 months that the same information is being reported on my credit reports about a card that has been paid in full for a while now.. 

I called the company and they told me to call the credit bureaus. I call the credit bureaus and they tell me to call the company. This is insane that this is remaining on my credit report and is paid in full. It's damaging my credit profile.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XX/XX/1976 XXXX To whom it may concern at cfpb My private information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items delete it from my credit report effective immediately Im attaching proof the XXXX has admitted that I was in fact, a victim of this data breach, and XXXX has done nothing, please delete these illegal accounts from my credit reports immediately you find all the information below that needs to be removed immediately Addresses XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, North Carolina, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, North Carolina, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Employment XXXX  Retired Breached accounts XXXX XXXX {$2800.00} XXXX XXXX  {$630.00} XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX {$240.00} XXXX {$770.00} XXXX XXXX XXXX {$740.00}
Consumer complaint received 2023-06-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (TN)

In 2008, my husband, XXXX XXXX XXXX, used my information with his girlfriend to take out a loan in my name. XXXX XXXX and I were in the midst of a nasty divorce when he took these actions. I have submitted several documents showing proof that I was not responsible for this debt ; however, World Finance Corporation can not find him so they are holding me solely responsible for the amount. I have even provided the company with his social security number and birthdate. Unfortunately, World Finance Corporation has not provided me with the original loan documents for verification purposes, but is now attempting to garnish my bank account.
Consumer complaint received 2024-06-07
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: Self Financial Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

I paid for a hotel stay at the Philadelphia XXXX XXXX using my CashApp card on XX/XX/20. The hotel mistakenly charged me for an additional night Leading my total charge from the hotel to be {$530.00}. Upon learning of the additional charge I contacted the hotel on XX/XX/20 and they processed a refund of {$270.00}. This refund has not been received by me in my CashApp account. I have contacted CashApp countless times to dispute the charges but have gotten limited response or none at all. I have provided all supporting documents requested and I just need the money refunded.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-05-15
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. (FL)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-01-29
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)

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX Bank date XX/XX/XXXXXXXX XXXX XXXX XXXX date XXXX XXXX Cap XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX Nowcom/westla financ date XX/XX/XXXX XXXX XXXX date  XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XXXXXX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX
Consumer complaint received 2024-01-28
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. (GA)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (KY)

XX/XX/2024 someone took over my cell phone # and got all my information and applied for 2 credit cards 1 ) XXXX XXXX XXXX ) Syncronity Bank Paypal I realized someone had taken over m y identity within XXXX hours of it happening. 
I contacted both creiditors on XX/XX/2024 I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from XXXX credit report. The inquiries are still showing on XXXX XXXX and XXXX. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

My checking account was robbed of almost {$500.00} thru a money transfer app called Zelle. Someone accessed Zelle through my bank account and created numerous false contacts in several different names and transfered money out in small amounts to a large group of people.
Consumer complaint received 2024-01-29
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. (TX)

I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- 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 XXXX XXXX XXXX XXXX  TRANSUNION : 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.