davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
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)

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
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Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 2023-09-27
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)

I am filing this complaint to dispute certain account that appear on my credit report, which I believe to be fraudulent. I request that you investigate and remove it from my credit report, as it's not valid and do not belong to me. I kindly request that you conduct a thorough investigation into this fraudulent account and promptly remove it from my credit report. This account do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX. Please delete this account immediately.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
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)

I am filing a formal complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX XXXX XXXX Account XXXX Balance Owed : {$1200.00}
Consumer complaint received 2023-09-27
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: Specialized Loan Servicing Holdings LLC (NY)

My credit report is showing late payments to SPEC LOAN SV XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SPEC LOANs customer service representative.
Consumer complaint received 2024-06-25
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-22
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint to dispute certain account that appear on my credit report, which I believe to be fraudulent. I request that you investigate and remove it from my credit report, as it's not valid and do not belong to me. I kindly request that you conduct a thorough investigation into this fraudulent account and promptly remove it from my credit report. This account do not belong to me, and their presence is negatively affecting my creditworthiness. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX. Please delete this account immediately.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

On/aboout XX/XX/XXXX, I requested a balance increase on one of my credit cards with XXXX XXXX. I have not previously requested a balance increase on this particular card because I intentionally keep available credit low. On XX/XX/XXXX, I received a reply denying my credit limit increase based on information Equifax provided to XXXX XXXX ( see attached ). The reasons provided for denying my credit limit increase are listed as : ( 1 ) credit score of XXXX ( 2 ) Derogatory public record or collection filed ( 2 ) Length of time since Derogatory Public Record or Collection is too short ( 3 ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts ( 4 ) Too many inquires last 12 months. I then went online to Equifax 's website and requested a copy of my credit report which does not reflect the information they provided to XXXX XXXX ( see attached ). I then paid for a copy of my credit score with Equifax, which Equifax should! refund me, and my score is XXXX ( see attached ). Thus, Equifax has provided inaccurate and incorrect derogatory information about me to one of my creditors resulting in denial of credit that more than likely would have otherwise been granted had Equifax not provided inaccurate and derogatory information. I am including XXXX XXXX on this complaint so that XXXX XXXX is aware that Equifax is providing inaccurate and incorrect derogatory information about consumers.
Consumer complaint received 2024-05-22
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 existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

On XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (PR)

For the second year in a row, I have submitted my Income Based Repayment Forms as per the Instructions for Submitting the Request included with the form ( see attached ). I sent it via fax in XX/XX/XXXX in order for it to be processed by XX/XX/XXXX. I believe it is absurd to have to submit the paperwork three ( 3 ) months in advance in order for it to be processed ; nevertheless I followed the instructions given. 
Once again, I am forced to resubmit the paperwork by email ( an option that is not available on the Instruction form ) and I have to wait 7-10 days for the email request to be processed. It will then apply to my XX/XX/XXXX statement, forcing me to agree to forbearance as I can not make the required payment for XX/XX/XXXX ( which is why I am asking for IBR option in the first place ). This means that the interest for this month will be capitalized to my student loan because of ACS 's negligence in processing my timely request for IBR. Attached are the forms I submitted on XXXX XXXX for my XXXX XXXX payment, along with the fax confirmation that ACS received the paperwork. 
In XX/XX/XXXX, the same thing happened. I submitted the paperwork in XX/XX/XXXX for IBR by mail and they also indicated they had not received it. I resubmitted by fax and again they indicated they did not received it. This caused negative reporting on my student loan and again, the only other option available was to request forbearance and have the interest capitalized on my loan. They processed my request in XXXX XXXX after multiple attempts to have my request processed. 
As you may know, it is hard enough dealing with repayment on student loans that ACS has to add to the burden by having unreliable methods of communication, requesting unreasonable efforts on behalf of the students to submit a simple form and by forcing students to have the interest capitalized when ACS has failed to process and IBR request by only offering forbearance as an option. 
Remove any negative reporting during XX/XX/XXXX, apply any interest capitalized as a result of ACS 's negligent servicing of my student loan to my loan principal, add the email address ACS uses to process the request to the " Instructions for Submitting the Request ''.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

Subject : Request for Resending 1099 for Charged-Off Credit Card Account Dear Chase Bank Credit Card Services , I am writing to address an issue with my charged-off credit card account. To date, I have not received a 1099 document related to this account. I require this 1099 form for the purpose of correcting discrepancies on my credit report, as it is crucial for my financial records and credit history.

I kindly request that you resend the 1099 document for my charged-off credit card account to the following address : [ Your Mailing Address ]. I would appreciate prompt action in this matter to ensure I have the necessary documentation for credit report rectification.

If you have any further questions or require additional information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter, and I look forward to receiving the 1099 document at your earliest convenience. 

Sincerely, XXXX
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

On XXXX XXXX 2016 I received a alert regarding that my score went down. When I checked there was a Hard Inquiry done on my Credit Score done by XXXX which I have n't authorized either requested any product from this company. Also this hard inquiry took my score XXXX points down. I request to revise it since this inquiry was not requested or authorized and restore my score. Also I have to mention that Transunion still has not removed old closed accounts from my Score.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MP)

( To preface this may be nothing but it is from Seterus and I do n't trust them. ) Seterus sent a letter on XXXX/XXXX/15 saying there was an escrow deficiency, they discovered this because they FINALLY paid my insurance and property taxes ( which you helped me with ). I could pay {$1000.00} or just have it go on my mortgage as a higher mortgage payment. Old payment XXXX for P and I and Escrow XXXX new payment P and I XXXX Escrow XXXX and escrow shortage is XXXX with a new payment of XXXX. Not sure why the escrow went up almost {$20.00} and also a new payment of {$17.00} added on. I have read that they mess around with the escrow to rip people off. Total insurance and Prop taxes are XXXX. If they did n't get a payment from me in 30 days for the full payment they would assume I wanted it added to the mortgage payments. Address to send it to was Seterus XXXX. XXXX XXXX XXXX, CA XXXX. 
Today XXXX/XXXX/2015 I got a letter from them saying We recently sent you a shortage of Deficiency Payment coupon with an incorrect payment address. If you already sent your payment to the incorrect address, it will be returned to you. Please resend it to Seterus, Inc., XXXX XXXX XXXX : XXXX XXXX, CA XXXX immediately. To accommodate this, we have extended the due date to be 60 days from the original letter date with no late fee. Number they give is XXXX. The letter was sent from XXXX XXXX, XXXX. They have a physical address in XXXX Oregon, Payments to be sent to the address I gave you and Correspondence to XXXX XXXX XXXX XXXX XXXX. The whole thing seems very suspect. I wrote them a letter enclosing all of my correspondence with them and told them I was contacting your organization because they have been so slimy in the past. Thanks, XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed several things on my consumer report that are incomplete and inaccurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information that is concerning the person/individual about whom the report relates. These accounts are not complete or accurate : 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In XXXX of XXXX I was notified of the XXXX XXXX breach and my info was effected. 
There were fraudulant accounts that I discovereed were not mine, I filed with FTC Identity theft affidavit in XXXX along with reporting to credit bureaus and contacting banks. 

According to 15 USC 1681 Fair credit reporting act, I have right to a fair and accurate reporting without bias and and in a timely manner. 

XXXX, EXPERIAN and XXXX are blatantly violating and illegally inputting fraudulant and inaccurate info knowing full well it is illegal to provide my info without my consent and to for vendors to input a REAGED account that was deleted that did not belong to me. 

Original Creditor XXXX XXXX XXXX XXXXXXXX had to delete due to fraud and this account was opened back in XXXX, but XXXX XXXX  has illegally obtained my info and has illegally reaged and fraudulantly inputed as I have opened a new account with them on XX/XX/XXXX and has detrimentaly affected my score! 
I have enclosed the FTC ID Theft affidavit with the exact account XXXX was forced to delete off my credit report due to fraud but now XXXX  has illegally obtained my info and fraudualntly said this was just opened. on XX/XX/XXXX and XXXX illegally inputted in my file without proper investigating of the account. 

I want this account removed immediately or I will sue for {$1000.00} per violations of my rights under the FAIR CREDIT REPORTING, I will sue and win because I have all of the evidence of documents that I filed back in XXXX XXXX XXXX. 
XXXX  and XXXX, XXXX and EXPERIAN, has violated my rights illegally and fraudulantly! 

XXXX has continuosly violated and fraudulantly said I can dispute online and receive a FREE credit report, to this day I have never been able to obtain my Free report online and to be able to dispute the fraud XXXX has reported on me.