davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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. (FL)

This account was charged off on the following date [ XXXX OF FIRST CHARGE-OFF Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : [ XXXX XXXX XXXX ) [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ) TransUnion : ( XXXX XXXX XXXX ] ( XXXX )
Consumer complaint received 2024-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-16
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I have always paid my bills timely and had a great credit score. My loan company has lost the last two payments I have mailed them. I mailed my XX/XX/XXXX payment on XX/XX/XXXX. I received notice in XXXX it was not received. Then I started getting phone calls from a computer that said it was my loan company, but you could not talk to any one. I tried calling the phone number back and could not speak to anyone. I got concerned that these were scan calls, so I placed a stop payment on that check XX/XX/XXXX. I mailed another check on XX/XX/XXXX for both XXXX and XXXX payment. During this time I tried getting through to all departments at my load company and could not speak to a real person, all computerized. I even took 4 hours of vacation from my job on XX/XX/XXXX to tried to get through to someone and no success. 

Received a call from collections XX/XX/XXXX, finally a live person. Explained the whole situation, and advised that I had put a stop payment on the original check and mailed another one. Now I have stop check fees and late fees that I should not have accrued. 

Today is XX/XX/XXXX and they still have not received the check mailed XX/XX/XXXX. Another late fee, and now they received the original check mailed XX/XX/XXXX and tried to cash it, even after I informed them a stop payment had been issued. Now I have a returned check fee that I should not be responsible for. 

This is absolutely the worst service I have ever had from a mortgage company. And the fact that you can not speak to anyone when you call customer service is outrageous. I have always paid my bills on time and in full and now my credit is destroyed because this company can not operate properly.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-06-15
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)

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-06-17
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. (UT)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX 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 2021-02-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

This is the second time I've had a MAJOR issue with this company. I was checking my bank account and I saw that Remitly Inc had made 2 unauthorized transfers under my name. The first one was on XX/XX/2021 for {$200.00} and the next one was on XX/XX/2021 for {$200.00}. These " transfers '' don't show up under my Remitly account either, because I never made this request through Remitly. The confusing thing is, the only account I had previously linked to Remitly was my XXXX XXXX account but these charges were made to my XXXX  XXXX XXXX account. I contacted customer support on XX/XX/2021 and they said they " escalated '' this incident but nothing was resolved and the charges are still there. I've already contacted XXXX  XXXX XXXX but that process is still pending and I would like an explanation from Remitly what has happened and obviously a refund for the unauthorized charges.
Consumer complaint received 2024-06-17
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 writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved.To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. I contacted XXXX, XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-17
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 hope you are doing well. I am writing to address a serious issue with my credit report. Upon review, I found this unauthorized account that has negatively impacted my creditworthiness. I firmly believe this account is the result of identity theft and require urgent attention and resolution. 
I want to clarify that I did not initiate or authorize this account. This was fraudulently opened without my consent or knowledge. To address this issue, I have reported the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). A copy of the Identity Theft Report filed with the FTC is attached for your reference. The specific account in question is : XXXX XXXX XXXX.
Consumer complaint received 2024-06-17
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. (CA)

I am writing to dispute the late payment recorded on my credit report. After thoroughly reviewing the information, I believe there are errors that need to be corrected. 

Upon reviewing my credit report, I noticed discrepancies regarding the reported late payments. I have consistently met my financial obligations on time and believe there may be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX have already updated their records for this account. 

XXXX XXXX XXXX
Consumer complaint received 2024-06-15
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. (FL)

I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-06-15
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)

I have inaccurate debt on my TransUnion account that is only on Transunion and not on XXXX nor XXXX which is clearly violating the f.c.r.a 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I dont have XXXX  XXXX account I have previously asked for the original contract with my signature validating that this is my debt which hasnt been given to me in a timely fashion. I have also contacted the XXXX  about this situation.XXXX  XXXX XXXX  the company has sent letters stating the debt is validated however, I have not got a diagnostics or explanation to how the investigation was had to get this determined. They are also violating my right with the f.c.r.a 15 U.S. Code 1681i that states item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller so i need these items temoved immediatly thanks in advance
Consumer complaint received 2023-08-28
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

Suddenly happen, bad bug after a dispute a year ago, was told by Equifax will be fixed in few days, been calling every week for almost a year, nothing ever get fix, they never transfer it to someone to fix it, still no Equifax report
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (FL)

I had loan with Opploan and I sent a cashier check ( over night ) to fully XXXX the loan with XXXX tracking # XXXX and they received it XXXX and cashed it from the bank XX/XX/XXXX and they never applied to my account plus they keep charging interest which {$130.00} a week and my account now past due because I dont want make over payment and dont trust them to pay it back. 
My check amount was XXXX ( pay off amount ) and now I own XXXX because of interest accounted The check was issued from Chase ( check # XXXX ) I called them more than XXXX times and I spoke with supervisor XXXX 4 times and only answer this different department and there is error when they applied the check to my account and refused to give me when will be solved. Its been 27 days since they received my check and I refinanced my home to pay all my debt because of high interest I was paying. Please help me in this difficult situation. Thank you very much
Consumer complaint received 2024-07-04
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-14
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. (DE)

I took a look at my consumer report and found that EXPERIAN, XXXX and XXXX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States Bankruptcy XXXX XXXX of Delaware has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to Experian, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). EXPERIAN, XXXX, and XXXX has caused harm by furnishing inaccurate information on my consumer report. According to XXXX XXXX XXXX ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VT)

I attempted to get my free credit report and score from Equifax. The XXXX XXXX  home buyer education cerificate course told me to go to annualcreditreport.com so I did and that website told me to get my credit report from Equifax. I got a credit report but no score. I followed the directions to call to get my score but the phone number provided had a nonworking directory that did not send me to customer service despite multiple tries. At this point I have spent over an hour trying to get my own information.