davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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. (LA)

I am submitting this complaint after noticing unauthorized inquiries on my credit profile 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 TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Consumer complaint received 2024-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AZ)

Ongoing issues since XX/XX/XXXX, company keeps using incorrect information Ive sent multiple email concerns. After changing property insurance, it decreased by {$3100.00}. 
The mortgage payment prior was {$3100.00}. 
The new mortgage payment changed to XXXX. Which was paid monthly and cleared account. Rushmore management did XXXX analysis and continued to use the old payment which was incorrect and the mortgage payment increased to {$3000.00}. A {$230.00} difference, when I inquired how the escrow decreased but the mortgage payment stayed the same, no one will answer that question and they will continue to tell me Im wrong and its correct. I have continued to make the payments of XXXX and Nationstar/Mr. Copper keeps rejecting the payments. The payment for XXXX was accepted and cleared checking account in XX/XX/XXXX. They said I havent made a payment since XX/XX/XXXX, that is wrong because they rejected XXXX and XX/XX/XXXX. The payment ledger is totally wrong. They have payment dates and amounts that have never been paid by me or cleared the account. So while Im working with them about all the mistakes and waiting on a correct resolution, they put house in foreclosure and I received a notice of trust to sell our home. I was given incorrect information on how much is needed to keep home they say mortgages is XXXX months behind which is incorrect, Ive sent proof multiple times to prove XX/XX/XXXX was paid and cleared account, they ignore it and use it against me. I have spent many hours researching account, dont was to foreclose on home, we have been in it for XXXX years and it didnt become a problem until Rushmore Serving took over XX/XX/XXXX and now they have it in foreclosure, I have paid mortgage thru want to be correct and homeowner be wrong. Its an online company that I didnt ask for and can not talk to anyone in person, because its an error and they foreclose and now Im fighting to keep our home They ignore emails and just send back incorrect information and the expect the homeowner to accept it Please help, they should not be allowed to foreclose on their error
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On the report of my open account with XXXX XXXX XXXX  credit card the balance owed is inaccurate reflecting {$53.00} owed which is amazingly right at the 10 % mark to cause a hefty decrease in my score. I have never owed that particular amount in the entire history of my accounts opening is why I am certain when the company told me they never gave a report to Equifax saying this, they were telling the truth and my monthly statement backs it up. 
On XXXX or XXXX closed XXXX  XXXX accounts Equifax reports that these accounts are Deferred and has added Remark codes to these accounts which are adversaries towards my score. 
Equifax continues to keep inaccuracies on my report to keep me disputing them month after month never allowing a real resolution and hindering my score from being where it should be and any loan or credit I am attempting to establish will never reach it's full potential.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC (GA)

This debt collection company who say they are lawyers have repeatedly tried to garnish my wages filing in different counties from where I live ... the first judgment was dismissed by XXXX County the county I live in due to fraud ... after that dismissal they then filed garnishment in XXXX county where I did not receive any notification of court proceedings until after it was apparently ruled in their favor my wages were garnished for a few months then I received notification that all garnishments would cease due to fraudulent filings then a year later I received garnishment proceedings from the county of XXXX to seize my property in the amount of {$7200.00} when the debt that was owed to Discover was only {$5000.00} ... this company is going from county to county to sue me and this isnt fair the debt owed is 6 years old and has been sold to 3 different debt collectors this company rudely calls anyone that is associated with me even after filing lawsuits with several county courts
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
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 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$790.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance XXXX {$790.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00}
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 2024-06-09
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. (GA)

This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's 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 ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-03
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-10
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (Macomb, IL) (IL)

XX/XX/19 to XX/XX/19 services at XXXX XXXX XXXX they ve been paid by medicare except XX/XX/19 XXXX XXXX  billing {$210.00} wasnt submitted the process is ongoing with appeals and VA claims
Consumer complaint received 2024-06-09
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)

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following letter was mailed to XXXX on XXXX XX/XX/XXXX, no response has been received and accounts remain on credit report : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir/Madam, I am writing to inquire about a discrepancy that I have noticed on my credit report concerning an account with XXXX XXXX. According to my credit report, XXXX XXXX is reporting an account in collections, despite the fact that the account has never been in collections. 

The account in question is under the account number XXXX, which was active in XXXX. I closed the account when I changed XXXX XXXX and promptly paid the full balance owed. Upon attempting to reactivate my phone, I discovered that XXXX had placed a lock on the device due to a supposed final bill on the account. I immediately visited a XXXX location and settled the outstanding balance as instructed by a XXXX representative. At no point was I informed that the account would be sent to collections, nor did I make any payments to a collection agency. 

It is concerning to me that despite paying the final bill in full and closing the account, it is now showing on my credit report as a closed account in collections for the same month I made the payment. Furthermore, there is only XXXX term with no payment history associated with this account, which does not accurately reflect the situation. 

Therefore, I am formally requesting that this discrepancy be rectified immediately. I kindly ask that XXXX removes the account from XXXX credit bureau reports where this inaccuracy has been reported. I trust that you will take swift action to resolve this matter and prevent any further impact on my credit score. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of this discrepancy at your earliest convenience. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2023-03-23
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. (CA)

On XX/XX/2023, I got a notification from Experian that my score dropped. I checked it immediately and found out that an account was opened under my name without my knowledge. It was for secured loan of with XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX, XXXX  XXXX , MO  XXXX/Phone ( XXXX ) XXXX ) for {$3000.00}. I knew right away that this isn't mine of course because of so many red flags. One, I never apply for a secured loan because I don't do collateral. Second, when I checked my personal information, there were inaccuracies in the information. An address that I am not familiar with was on my file. This definitely made it clear that someone had access to my personal information and that my identity has been compromised. I immediately called the bank ( XXXX XXXX ) to whom the loan was made to let them know that the account created under my name was fraudulent but the representative told me to call another company XXXX XXXX to file a fraud/complaint. I tried calling XXXX XXXX and of course it is an automated voicemail with instructions on how to report fraud. I emailed the XXXX XXXX  at this email address - XXXX. At first, they instructed me to file a report to www.identitytheft.gov which I did and submitted this report over to them along with a cover letter explaining why this account was fraudulent. I gave all the information that threw red flags on my report including an unknown address that I've never seen on my report. I submitted the documents on XX/XX/2023 and followed up on XX/XX/XXXX but still no response from this company but they keep on reporting to the credit bureaus. I submitted these documents to all three credit bureaus and told them about the fraudulent account. As an additional precaution, I also froze all accounts on all three credit bureaus. I am just disappointed with XXXX when I got a reply saying they won't change my credit report even with the inaccuracies in my personal information in the report. I would just like to get this account off my all my credit reports because of the obvious inaccuracies and plus, I don't really do Secured Loans because I don't have collateral. I wonder what collateral was used to secure this loan. 
Experian or any other credit reporting bureaus should do their own investigation and not just rely on the company XXXX XXXX XXXX XXXXs investigation. I have an open complaint about this company on why they did not do due diligence to do extensive checks on people trying to get these loans. I have already mentioned inaccurate information on my credit reports and still they find it accurate and would not remove this account under my name.
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2019-06-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NJ)

I have 11 different student loan accounts presently being serviced by FEDLOAN SERVICING. All 11 Accounts report 2 late payments in XX/XX/XXXX and XX/XX/XXXX for a total of 22 reported late payments. However, on two separate occasions, I applied for and was granted a general forbearance by this company for the period from XX/XX/XXXX to XX/XX/XXXX. Despite this, the Lender continues to report late payments and refuses to update my file with the 3 credit agencies despite three separate attempts by myself to dispute this incorrect reporting directly with the Lender and on two separate occasions through XXXX. This incorrect reporting is destroying my on time payment history and thus my credit. As the attached documents show, the account was clearly in forbearance during the periods said payments are being reported late or missing ( see attached ).
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.