davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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. (MI)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX5 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 2024-05-01
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-01
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have communicated with TransUnion several time regarding XXXX XXXX XXXX account ( XXXX ). Below are the complaint numbers. 
XX/XX/22 - XXXX XX/XX/22 - XXXX XX/XX/22 - XXXX XX/XX/22 - XXXX TransUnion knowingly broke the law and is in violation of my consumer rights. TransUnion stated that they deleted this alleged account, but it is still showing on my consumer report. Also when ask for their method of verification, TransUnion stated that they mailed me their method of verification, but I only received a letter stating this alleged account was verified. After they had already claimed to be deleting this account.
Consumer complaint received 2023-08-10
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. (AZ)

I have disputed XXXX XXXX XXXX  account they have the police report and identity theft report and has not removed. This debt from my credit report they even sent me an identity theft report I filled it out and faxed back to them
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

I asked for verification and they did send a print out of the account but the dates reported on my credit report and on the account review were inaccurate. I have disputed this account numerous times for inaccuracies. The FCRA states that the credit reporting agency and the creditor has the burden of proof ; and that by law they must report accurately. I have given both the creditor and reporting agencies ample time to fix the inaccuracies and have been given the run around and ignored.
Consumer complaint received 2023-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My issue is with Mr. Cooper, and I am hoping this complaint reaches management and they are able to help. My issue is I have been trying to get a loan modification for 2 years now and they keep refusing to give me the modification which is causing me to owe more and more money, and this could have been easily resolved. On their website they have a link that says the federal government has a program that can help you with behind payments and I have applied for that program in my state witch is Florida, I have a HUD counselor that is working with Florida program and they have stated they would pay up to {$50000.00} towards my mortgage witch would help erase some of my debt and put me ahead in payments so I don't fall behind again. But in order for them to pay the money Mr. Cooper has to grant me a loan modification and push what I owe to the back of my loan, and they will make the payment, they have stated they will not make the payment while I am in default as it would be a waste of funds if they proceed with the foreclosure. I am asking management to please review my case and grant me one more loan modification, so that way the program can pay the {$50000.00} towards my mortgage and I can keep my home, if there is a program willing to help my mortgage, why would you guys not accept the loan modification as this helps both parties, because I get to keep my home and you guys still get paid. Please help me.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TN)

This is for a XXXX XXXX bill from XXXX. The new collection company erased the old debt and created and new debt starting in XXXX. When I contacted the company to dispute that his account was old and not new, they told kept trying to get me to just pay their amount. The supervisor confirmed that the debt was started in XXXX and not XXXX and that they were reporting it as such, but they are not. She went on to claim that it was the credit bureaus fault, not theirs. However, when I then told her that if what she is saying is true, then in two years her account would disappear off my credit because the account is 5 years old, and negative items would come off my credit after 7 years. She proceeded to tell me that wasn't true and those items don't come off your credit. I told her she was the first person to ever tell me that. She then told me that the only way it would come off the report is if they reported it as paid, again tried to get me to pay. I again told her that two different mortgage companies were telling me that it was showing up as a new debt as well as myself looking at what they submitted to the credit bureau. She ignored what I was saying and again blamed the credit bureau, confirmed again that the account was from XXXX, and that they reported it that way, but that they also submitted the XXXX date to the credit bureau. This is obviously a tactic that this company uses to get people to call in and pay the note, even though it's an extremely old note. I told her that I would have actually considered paying it off if their practices were not blatantly shady and possibly even illegal.
Consumer complaint received 2023-10-02
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. (SC)

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 2024-05-01
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I keep receiving debt collections attempts and reported to the credit bureau from a company name XXXX XXXX under the account number XXXX for the amount of $ XXXX Dollars.I had never had any businness with that company, they actually do not provide services within the city/county where I live.I have never been or stay at the area they provide services. My credit report keeps poping up that debt even do it was closed in the past. I submitted a identity theft report and contacted XXXX in the past. I actually sent all proof to an email they gave me XXXX under the subject : XXXX XXXX. I need my credit report to be clean since this is affecting seriously my finances.
Consumer complaint received 2024-05-01
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. (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 XXXX party. They in fact did not come from a XXXX 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 2024-05-01
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 
XXXX XXXX XXXX ACCT # : XXXX.
Consumer complaint received 2024-05-01
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 
XXXX XXXX XXXX ACCT # : XXXX.
Consumer complaint received 2024-05-01
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX XXXX ACCT : XXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, 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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXXXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank has made it quite difficult to make loan payments. First, there is no way to schedule regular withdrawal from another bank besides Fifth Third Bank. Therefore I have to schedule a payment for each month. This not not consistent with any other bank I've worked with in the past for my mortgages and increases the risks for people to miss a mortgage payment on accident. 

Second, the only way to contact the bank is by phone or in person. In the digital age, there should be a process to interact about banking by email or chat. This again increases the chances for people to miss payments or not address issues that could negatively affect them financially.
Consumer complaint received 2024-05-01
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. (IN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 


XXXX XXXX XXXX ACCT : XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted disputes about my TransUnion credit report. Whoever is supposedly correcting my report is not doing it correctly. Someone put I owe {$6.00} on my XXXX XXXX. I have never had a balance of {$6.00} on my XXXX XXXX. Secondly, I settled an account with the original debtor XXXX XXXX XXXX XXXX and instead of removing a debt buyer for this company, the worker subtracted the debt settlement from the original debtor and put the remaining balance on the debt collector account instead of deleting this account that I have never had an contracted account with. This violates the Fair Credit Reporting Act, Section 609. I first did my dispute online, but now there is a dispute I submitted via USPS certified/return, and last night XXXX XXXXXX/XX/XXXX, I disputed online once again and actually saw the so-called corrections to my credit report. This is unacceptable. Who is doing the checks and balances with people 's credit reports? I don't think I am finished with my complaints with TransUnion. People trust that their disputes and credit reporting are being done correctly...
Consumer complaint received 2024-05-01
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-05-01
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. (IL)

I am writing to dispute the accuracy of my credit report, which contains an account that does not belong to me. I did not authorize anyone to use my account, and it is therefore unacceptable that it appears on my credit report. I have attached the necessary documents to support my claim, and I request that you take immediate action to remove this inaccurate account from my credit report.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (GA)

I was forced to buy a car at XXXX XXXX in XXXX XXXXI tried to leave but 2 people came after me... I was scared..they forced me to stay for their financing through santander Consumer USA... I received a XXXX XXXX after signing contract ... the contract I digitally signed is different than the terms I was given and signed for ... the payment is over {$20.00} more and the due date changed to 13 days earlier... I requested a late month due date or my payment would always be late ... the finance guy assured me it would be the XXXX or XXXX days from purchase ... it was purchased on XX/XX/XXXX so realistically the XXXX of the month would work with the few days allowance ... when I called santander..they refused to help and said it was what the contract said..I went in to the dealership with a preapproved letter from XXXX XXXX XXXX XXXXXXXX with a rate of 7.99 % ... the dealership refused to use my preapproval and forced me in to the contract with santander at XXXX ... the finance guy said because i got a good deal they needed to recoup some money from financing ... I truly wish I could just go back to my XXXX XXXX that was paid for..I think this dealership and finance company are in cahoots ... i just want my payment amount and due date to be what I signed up for ... the dealeship gave me no paper work ..just a zip drive ... I think that is where everything changes... i signed one thing and once he had my signature ..he changed the paperwork and I didnt know because I had no paper work... it was the worst experience of my life...