davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (NE)

The items listed below are reported on my credit file and were found in my reports with XXXX 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was never late on my payments, yet there are XXXX, XXXX, and XXXX late remarks in my payment history. This is a clear violation of 15 U.S. CODE 1666B. These inaccuracies must be REMOVED from my payment history immediately. 

XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when provided with written instructions from the consumer to whom it relates. I did not provide such written instructions.

This company 's conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both ( 15 U.S.C. 1681q ).

DELETE this unauthorized inquiry from my report immediately!
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-07-17
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)

I am personally initiating this complaint regarding late payment entries on my credit record. Upon inspecting my files, I uncovered these late payment notations. Although I sent correspondence about this issue more than XXXX  days ago, I have received no reply, nor has adequate validation been furnished. I am requesting your assistance to address and resolve this matter efficiently and without delay.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (CA)

When I reviewed my updated credit report, I discovered that there is information which is erroneous. The XXXX credit bureaus must validate these accounts. It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$700.00}
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts
Consumer complaint received 2024-06-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX
Consumer complaint received 2024-07-16
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)

THESE ACCOUNTS ARE INVOLVED IN LITIGATION.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGLEHARDT V. GRAVENS ( MO ) 281 SW 715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-23
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: Experian Information Solutions Inc. (MO)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common XXXX  XXXX  could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Consumer complaint received 2023-03-13
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
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: Experian Information Solutions Inc. (CA)

During the last XXXX to XXXX years, I have disputed trade lines from XXXX that are listed on all of my credit reports. Each time I have disputed, the items have all come back verified. Experian, XXXX, and XXXX have never disclosed to me their method of verification for these alleged debts. The credit bureaus have each used stall tactics such as claiming that I am not sending disputes on my own behalf despite me sending hand written letters on lined notebook paper in my own hand writing with my own signature. The credit bureaus have also attempted to have me perform disputes over the phone in order to get me to relinquish my consumer rights per the FCRA. The credit bureaus continue to circumvent my requests for method of verification. These alleged debts have remained on my credit reports which has adversely affected my credit profile and credit scores.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am filing my report to challenge and scrutinize these accounts that are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am entitled to {$1000.00} per inaccurate report. I understand that FCRA 605B obliges us to report any erroneous accounts on a consumer 's report.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (WA)

Repeated calls from Diversified Consultant from phone number XXXX without any message being left. 
Upon answering one call the person asked me to identify myself and proceeded to inform I owe {$1000.00} without providing any additional details. 
I asked for clarification and proceeded to inform " this call is being recorded '' and " my actions will be taken into consideration ''. 
I proceeded to contact XXXX XXXX, the company who engaged the services of Diversified Consultant who provided me with further details on the situation. 
It remains unclear the steps followed by XXXX XXXX to open an account ( e.g. in person or over the phone ) nor the full details that led for them to ask a collecting agency to search for people with my name, such as whether or not they ask for forms of ID, run a credit check, etc. 
Upon contacting XXXX XXXX they asked for their ID Theft form to be filled and notarized. 
Their ID Theft form has 2 major flaws : it asks for the full SSN to be provided and a copy of form of ID to be provided. These are, precisely, instrumental for ID Theft and should have NEVER been asked by XXXX XXXX in any way or form. Instead, they should leverage the Police department to address any concerns regarding proof of residence and ID.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all 3 major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have two more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over 45 years. Lived in the same home 40 years and retired for 12 years a Deacon in my Church for many years and except for these fraudulent accounts I don't owe anyone.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2019-06-29
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: SYNCHRONY FINANCIAL (CA)

Greetings, Today I had an inquiry on my report that negatively affects my score from a company that I've never dealt with and have NOT authorized them to review my file. I reached out to XXXX XXXX but they said I needed to reach out to SYNCB, however, I have no clue who they are and have no idea how to contact them. Please help me remove this from my file. Thank you. XXXX
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  The short sale was started XX/XX/XXXX with SLS. On XX/XX/XXXX we were told the file was complete. 

On XX/XX/XXXX we were countered. On XX/XX/XXXX the buyer met their counter. 

On XX/XX/XXXX we were finally told that SLS had DONE NOTHING on the file and we had to start over. 

On XX/XX/XXXX we were told that the file was complete, was sent to the investor and we would have an update by XX/XX/XXXX. 

On XX/XX/XXXX they told us they had nothing done on the file and claimed they had 30 days more to work on the file. 

On XX/XX/XXXX we filed a CFPB complaint, to which SLS stated they did nothing wrong and too bad. ( See attached complaint and SLSs pathetic response. 

On XX/XX/XXXX we were told that it had passed MI review and was sent to the XXXX XXXX for decisioning. 

On XX/XX/XXXX we were told that XXXX XXXX is now requiring a higher net. NO EXPLANATION WAS GIVEN AS TO WHY THIS CHANGED SUDDENLY AND I CAN ONLY IMAGINE SLS WAS LYING WHEN THEY SAID THEY SENT IT TO XXXX XXXX PRIOR TO THIS. 

On XX/XX/XXXX the buyer accepted the new new counter offer and all docs were submitted. 

On XX/XX/XXXX we were told that SLS had to order YET ANOTHER BPO VALUATION. 

On XX/XX/XXXX we were told that it was sent to the investor yet again, and on XX/XX/XXXX it was sent to PMI for approval. 

***SLS STATED TODAY XX/XX/XXXX THAT WE HAVE TO START OVER AND THE HOMEOWNER HAS TO GO THROUGH ANOTHER LOAN MOD REVIEW, EVEN THOUGH HE HAS BEEN DECLINED MULTIPLE TIMES ALREADY AND THE HOMEOWNER DOES NOT LIVE IN THE PROPERTY. 

SLS has STOLEN five ( 5 ) months of servicing fees from the investor. They are obviously defrauding their clients, their investor, can not follow State or Federal guidelines, and think the CFPB is a joke. 


**************SLS CONTINUALLY MAKES UP DOCUMENT REQUESTS IN AN ATTEMPT TO MILK THE SERVICING FEES OUT OF THE INVESTOR, XXXX XXXX XXXX THEY ARE DEFRAUDING THE INVESTOR. BY FORCING THE BUYERS TO CANCEL THEY CAN KEEP THIS IN A DEFAULT STATUS INDEFINITELY AND CONTINUE MILKING SERVICING FEES OUT OF THEIR INVESTOR. IT IS CLEAR AT THIS POINT THAT IS SLSS BUSINESS MODEL, PURPOOSEFULLY FRAUDULENT SERVICING POLICIES RESULTING IN EXTENDING THEIR INCREASED MONTHLY DEFAULT SERVICING FEES. 


********THEY HAVE DONE NOTHING BUT LIE TO US SINCE XXXX THIS NEEDS TO STOP NOW AND I DONT WANT TO HEAR ANYMORE XXXX LIKE THE RESPONSE YOU GAVE IN THE LAST CFPB COMPLAINT ABOUT HOW YOU HAVE DONE NOTHING WRONG. CLEARLY YOU HAVE. 



I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. 


CC : 1. XXXX XXXX XXXX. OAG 3. XXXX XXXX