davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Please see attached file. Selene has advised cfpb letter dated XX/XX/2023, paragraph 4, quotes On XX/XX/2023, Selene received XXXX XXXX XXXX XXXX for Loss Mitigation assistance this is not true, I want evidence of the package for loss mitigation assistance they say Selene received on XX/XX/2023. 

My first application for assistance Selene made income error amount different than in my income form application.!!!! Replys to cfpb Selene explained no errors on their behalf, well they did I found out when replys to the bureau the bureau sent me documents and I caught their errors. 

Please review all my closed complaints, you will find all my complaints. I need help!! Investigate Selene Finance a little deeper. 
Thank you
Consumer complaint received 2024-05-22
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. Has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. THEY DO NOT HAVE MY WRITTEN CONSENT. 

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.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


XXXX XXXX
Consumer complaint received 2024-05-13
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. (MI)

Dispute results clearly states '>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account XXXX XXXX XXXXXXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX '' -- -- Even with this proof Company has failed to investigate and has incorrectly reported file knowing they have a paper, digital and XXXX XXXX of this
Consumer complaint received 2024-05-22
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 have recently acquired my credit report. After carefully reviewing it's contents, I have found that my report contains adverse information. I am requesting that the inaccurate information listed in the enclosed attachment be deleted according to the Fair Credit Reporting Act, 1681c. A period of thirty ( 30 ) days shall be " reasonable time '' to investigate the accounts in question, unless you notify me immediately otherwise. Please provide me with written notification of the appropriate corrections and an updated credit report... Remove inaccurate addresses : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-05-22
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. (DE)

I have asked transunion credit reporting agency to remove all inquires on my credit report. They said they would remove the inquires but removed 3 items. I have provided the information they requested to remove inquires but they still have not removed them. All I want is the inquires removed off my credit.
Consumer complaint received 2024-05-22
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 appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included these issues in my previous complaint & FTC report, and I am including it again here in the new FTC report. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-05-22
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. (NC)

Hi my name is XXXX XXXX. I am filing this form out today because i have recently found out that i have been an victim of identity theft, Ive recently found out through a credit report that someone has been using my identity fraudulently opening accounts fraudulently. I ran my credit report again and found out that the problem is because my identity has been compromised in the dark web due to a breach that occurred with XXXX. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S CODE 1681B
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I got a hard inquiry after someone tried to open Credit card with XXXX XXXX 
On XX/XX/XXXX I got a hard inquiry after someone tried to open a credit card with XXXXXXXX XXXX XXXX XXXX 
On XX/XX/XXXX i got a hard inquiry after someone tried to open a credit card with capital one bank USA. 
I did not apply for these accounts.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NY)

I was eligible for a Forbearance Plan on XX/XX/XXXX by my servicing company Fay Servicing in the amount of {$16.00}, XXXX. 

As of XX/XX/XXXX I received a delinquency notice to pay the total amount {$16000.00} to bring my loan current. 

I was offered the option by Fay Servicing to put the arrears amount at the back of the loan and my mortgage payment will increase slightly. 

I was told by XXXX XXXX, a representative of Fay Servicing that it wasn't the total arrears amount they agreed on so Fay Servicing returned my mortgage payment that was sent to them and requested me to pay a substantial higher amount that I was not able to pay. 

On XX/XX/XXXX I requested from Fay Servicing , LLC for a loan modification on since my business has suffered a financial hardship as a direct result of COVID-19. 

I was asked for more documents which was sent before the date Fay Servicing noted on the letter for my loan modification request. 

I have not received any response from Fay Servicing , LLC regarding the loan modification request instead I recently found out that on XX/XX/XXXX they filed a complaint for Foreclosure of A Mortgage with the Court Index No. XXXX against my property. 
I strongly believe Fay Servicing , LLC has violated my rights for failing to provide me with the protection against foreclosure required by Law. 

Furthermore, my loan modification is still pending with Fay Servicing , LLC and I haven't received any denial letter in reference to my loan modification. Instead, I am receiving calls from their representative XXXX XXXX, stating to me that my interest rate is already low I need to come up with other alternative in paying this loan back. 

Fay Servicing , LLC has illegally launched a foreclosure proceeding against me while I am actively looking for help to save my home.
Consumer complaint received 2024-05-22
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 writing to express my frustration with the dispute process regarding items on my credit report and I want to dispute this fraudulent information. Despite my diligent efforts to provide valid documentation such as the required FTC report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

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: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest was notified XX/XX/XXXX by fax and certified mail of account in Dispute and account Verification request to be sent via mail. As of now I have NOT received complete requested information as required by 15 USC 1692g, section 809 of the FDCPA. As of XX/XX/XXXX Bridgecrest continues to illegally attempt to collect a debt with acknowledgment of debt in Dispute status. Alleged account status is currently showing additional payment and late fees attached. This is a clear violation of the FDCPA including but not limited to FDCPA sections 806, 807, 808, 809 and 813. I do not acknowledge this debt as mine without verification of account and will Dispute any updated payments or any associated fees. Bridgecrest to be sent as of XX/XX/XXXX, updated letter by fax and certified letter notifying of these more recent disputes including additional 10 day request for information and correction period
Consumer complaint received 2024-05-22
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. (OH)

Under 15 USC 1681i ( 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. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
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. (NY)

I will not accept your attempt to downplay my identity theft claim as a mistake or a misrepresentation of essential information. WHO HAS GIVEN YOU THE AUTHORITY TO DECIDE WHAT CONSTITUTES A SIGNIFICANT FACT? YOU ARE NOT A JUDGE, A JURY OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! Your right to do so is non-existent. My distress arises because I have fallen victim to identity theft, a criminal act that has caused me severe emotional and financial turmoil. However, the response from your bureau, or rather the lack thereof, has shown a shocking disregard for the urgency and seriousness of my situation. Let me be perfectly clear : I will not tolerate the indifference and apathy I have encountered so far. As an identity theft victim, I have suffered from unauthorized accounts and transactions that have tarnished my credit profile and jeopardized my financial stability. The consequences have been severe, impacting my ability to obtain loans, mortgages, and even job opportunities. My rights as a consumer must be upheld, and justice must prevail. PLEASE DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
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. (MS)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX
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. (CA)

XXXX XXXX XXXX is incorrectly reporting 60 day lates for XXXX and XXXX of 2024 with a payment made for {$170.00}. Bank statements were provided to show the payment was made and Transunion still has not deleted this incorrect information.
Consumer complaint received 2024-05-13
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. (IL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was told that I only had XXXX choices, a loan modification, pay arrearage over XXXX dollars or foreclosure. Feeling extremely pressured, after my XXXX passing away last XXXX, I opted for a loan modification After the loan modification I became current I made my payment on XX/XX/year> and I became current the following day XX/XX/XXXX I was reported to the credit bureau as delinquent XXXX days, then reported delinquent XXXX  days again on XX/XX/year> i contacted XXXX XXXX several times via phone email and fax to no avail I was totally ignored ( Then once via phone I was told that the reporting was for the previous month ) Reporting a delinquency later than when it occurred can indeed violate the Fair Credit Reporting Act ( FCRA ). 
The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, reported, and used. It provides certain rights to consumers regarding their credit reports and ensures accuracy and fairness in credit reporting. Here are some key points related to reporting mortgage delinquencies under the FCRA : Timeliness of XXXX : Creditors and lenders are required to report accurate and timely information to credit reporting agencies ( CRAs ). 
If a mortgage delinquency occurs, it should be reported promptly to the CRAs. Delays in reporting could violate the FCRA. 
Shellpoint is not taking any steps to remove this inaccuracy from my credit reports. 
they are taking no responsibility for their actions what so ever! 
this is causing much emotionaXXXX XXXX.
Consumer complaint received 2024-05-21
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 am writing to file a formal complaint against XXXX regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, XXXX has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY!
Consumer complaint received 2023-08-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MAS FINANCIAL SERVICES, INC. (CA)

My identity was apart of an XXXX BREACH ( XXXX ) a XXXX BREACH XXXX XXXX XXXX  AND A XXXX XXXX XXXX BREACH XXXX XXXX XXXX all of these breaches are verifiable. ALSO, XXXX XXXX STOLE my ID and wallet after I hired them for a catering gig in XXXX he used my debit/credit and Identity for multiple transactions that I didnt know about because I am XXXX AND LIVE IN XXXX. 
Any accounts were taken out fraudulent and they need to take my name off any reports. I tried calling XXXX financial multiple times and was met with hostility and was told there is nothing they could do about it. I filed a restraining order against XXXX XXXX and they can search it thru the XXXX  court records with his last name. I am a VICTIM OF IDENTITY THEFT. To XXXX XXXX, I DID FILE IDENTITY THEFT REPORTS FOR ANY/ALL ACCOUNTS OPENED FRAUDULENTLY IN MY NAME. I dont have a XXXX XXXX because I am a XXXX citizen and my visa expired in XXXX the debt is {$9900.00} please erase me off this fraudulent debt Attached is my REAL ADDRESS IN XXXX XXXX THE PAST 20 years. My XXXX PASSPORT WITH MY REAL PICTURE WITH MY XXXX LONG HAIR