davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Experian refuses to re-investigate inaccurate information. A certain creditor added negative information on XX/XX/2018 to my file. This place information is in accurate and other CRA have correct it. I have supplied Experian with proof that shows the creditor is reporting false information but they refuse to correct
Consumer complaint received 2023-02-25
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALL WESTERN MORTGAGE (TN)

I was denied today ( XX/XX/2023 ). The mortgage lender company is All Western Mortgage. 
I don't want to put any names on here but XXXX is the contact number for the person I was talking to. I am a XXXX veteran at 100 percent. The problem is that this company asked for hospital records before making a decision. I was also told that I need 24 months of rental history. I was informed that my current residence is only 18 months ( XXXX XXXX ). This company omitted information for a previous residence ( XXXX XXXX ) before making this decision. Every bit of information this company asked for was provided. How can they leave out 6 months of requested information out and ask for hospital records and then give a denial.
Consumer complaint received 2024-01-20
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: CREDIT ACCEPTANCE CORPORATION (IN)

I was supposed to be in Covid protection status and was told and I have the proof that I didnt need to start making a payment until XXXX it is now reporting I am past due and it took a. Hit to my credit I want this fixed as I have paid a payment
Consumer complaint received 2024-05-07
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)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-07-13
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: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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. (MA)

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report. 

TransUnion 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (MI)

In XXXX of XXXX  my ID was stolen and several accounts were opened in my name. TD Bank was XXXX of those accounts. I requested that the account be closed and that all information be forwarded to the police XXXX in charge of the investigation. After the XXXX did not receive the information I filed a formal FCRA 609 ( e ) request that was also ignored by the company.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.
Consumer complaint received 2024-01-22
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-07
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 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 2023-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon checking my credit report I seen multiple accounts, auto loans, and fraudulent apartments created in my name that I am not responsible for. I am trying to buy a home and automobile vehicle and this is gendering my credit.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Under XXXX XXXX Code XXXX or misleading representations- ( XXXX ) you failed to notate these items was in dispute within 30 days now these items in violation XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$810.00}
Consumer complaint received 2023-11-03
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. (MD)

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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-05-07
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

I contacted Diversified Consultants IncXXXX on XXXX/XXXX/XXXX concerning new information on my credit report from XXXX in the amount of {$460.00} that was opened in XXXX XXXX. I have not lived in an area that XXXX has serviced in about 5 years. I told the representative that this date was incorrect and that there is no way that this can be correct, I asked for the original bill to be sent to me to validate this amount and the date. The representative told me that my credit report would only show when they bought the debt and reported it, not the original date which I know is not true. I told the representative that that is not true and it should always reflect the original debt date and not the date they decided to make up. I was then passed on to a " supervisor '' who tried to feed me the same garbage. I asked numerous times for the original bill to validate everything, I was told that they do not actually have any bills and would have to request one from XXXX. The " supervisor '' told me I would be sent a bill and tried to hang up on me when I stopped him and told him he would need my address if he was going to send me the bill. At that point the " supervisor '' then said " oh, I was just about to get that from you. '' Once I ended the call with Diversified Consultants Inc. I called XXXX to see if I could get the bill. The XXXX representative told me that the original bill was from XXXX XXXX and that they no longer have any bill, the representative stated the bill was given to Diversified Consultants Inc. At this point I am being denied my right to validate this debt and if neither company can verify the debt with an actual bill then this should not be on my credit report at all.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've consistently ensured payments are on time for this account, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-01-22
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)

This would be my XXXX dispute letter to the XXXX ( XXXX ) major credit bureaus because my previous letters were left unanswered and unresolved. I have repeatedly advised them with XXXX  honesty that these reported accounts below were found to be XXXX  reported on my credit files. I want these to be fully eliminated on my record as it greatly affects my ratings, which gives me the inability to file for a new credit line. 
XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXX  - Account XXXX : XXXX Kindly help me resolve this issue.
Consumer complaint received 2024-05-07
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. (CT)

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I can't believe someone would do this to me or that the credit bureaus are making me file a police report when they normally handle things like this. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. Transunion FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

since XXXX  i personally have been requesting the information that they use to verify my credit report. they have not sent it to me yet, i have requested it multiple times, each time they send me something different then what i ask for. this time not only did they not send me what i asked for, but clearly they added new false information to my credit report once again.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance in eliminating the bankruptcy entry from my credit report, as this is unacceptable. According to the Court, bankruptcy should not be included in my credit history, and there is a lack of assurance on your part regarding accurate reporting.
Consumer complaint received 2017-12-28
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. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Consumer complaint received 2024-05-07
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. (CT)

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the company linked to these fraudulent accounts. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent accounts would be swiftly removed. XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
It is important to note that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these accounts when the other bureaus have already removed it. I urge you to remove these accounts from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WI)

Please describe the issue you have repaying your loans or grants. 
My loan servicer, Mohela, is not processing my XXXX  plan application. I submitted a XXXX  request in XX/XX/year> which was never processed however they put me into the XXXX plan repayment which resulted in XXXX missed payments because I was waiting for my XXXX  application to go through. I called and was able to reach an agent to put me into forbearance although I am worried that these months will not count as qualifying payments for public service despite WANTING to pay an XXXX  rate. I resubmitted a new XXXX plan application on XX/XX/year> which has still not been processed as of XX/XX/year>. I received a letter saying I have again been placed in forbearance due to them not processing my XXXX  application, and any months in forbeareance would not count towards XXXX. 
I again called on XX/XX/XXXX and could not reach a customer service agent regarding this issue. I just get sent through a doom loop with no option to reach a real person.
Consumer complaint received 2018-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MI)

I closed on a HELOC for $ XXXX with PNC on XX/XX/2018. At closing they offered to transfer $ XXXX to our checking account. We specifically declined this offer, and did not sign the paperwork to authorize the transfer. On XX/XX/XXXX I observed that $ XXXX had been transferred to our checking account without our permission. PNC is not able to say how or why this happened.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.