davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-26
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. (VA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$140.00}
Consumer complaint received 2023-11-18
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. (PA)

There are numerous credit inquiries that I did not authorize on all three credit agencies Transunion, XXXX, and XXXX. I have attached a fraud report with all the listed credit inquiries in question.
Consumer complaint received 2023-02-27
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. (SC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2023-11-18
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 ( XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights.

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.

The law also states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;
Consumer complaint received 2024-03-21
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. (FL)

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # XXXX Date .Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

I am qualified as the non-borrowing spouse on a HECM. My husband died XX/XX/XXXX. XX/XX/XXXX I submitted a letter of intent to remain in my house to PHH Mortgage. I have continued to call biweekly and sometimes twice a week to get a resolution on this request. Continually I am told, " It is in review ''. I have asked to speak to a supervisor and I am told " one is not available '' over and over again. 

On XX/XX/XXXX I received a letter from PHH Mortgage requesting documents. Many of the documents had already been submitted. All documents PHH has asked for have been submitted to them. 

Foreclosure notices began coming in the mail. Since I can not get a status update from PHH I panicked and I have applied for a payoff to avoid losing all the equity in my home. The last letter I received said my home will go into foreclosure XX/XX/XXXX. This does not give me enough time to properly get my home ready to show and sell. It takes several days to receive the payoff so by then I am really close to XX/XX/XXXX - 3 business days.

This has created so much undue stress on top of losing my husband. PHH 's unwillingness to help is unforgiveable. Making me wait 7 months is absurd.
Consumer complaint received 2018-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX 's acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. The other two accounts show they are included in a bankruptcy but there is no bankruptcy that is in my credit files XXXX XXXX acct XXXX & XXXX 's acct XXXX.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

At the end of XX/XX/2020, I was granted a 3 month special forbearance with my mortgage company due to losing my job throughout the COVID Pandemic. The forbearance included XXXX, XXXX, and XX/XX/2020. 

Several times, we have tried to contact the company to obtain information on the status of the mortgage and even made a payment on both XX/XX/XXXX, and XX/XX/XXXX in which they returned the XXXX payment. 

In the last 3 months we have attempted to reach the company to discuss our options and when we get to the prompt to speak to someone, we are disconnected every single time, up through today. We email the number provided on our statement and it came back as undeliverable. 

They received a payment in XX/XX/2020 but have not applied it. They returned a payment and are now sending us demand letters for payment in full, we try to pay it online and are unable to do so, as it states " this loan has a payment stop '' which prevents us from paying, and we called in to pay over the phone and are disconnected. 

They reached out to me in XXXX to see if we needed to extend the forbearance through an automated system, and we said No. Which would allow them to begin taking payments. 

It appears as though there is no one working at this company and letters are automated. 

Please help me save my home. I want to pay, and remain current, however they have made it impossible.
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Wakefield & Asso have reported information on my credit report that breaks the law of the Fair Credit Reporting act and not validating the information I asked for which they had 30 days to produce. Not only that they have violated my Hippa rights and Hippi law by sending me items of procedures that was done at hospital without a Hippa release which is a clear violation of the Hippa law and now I can proceed with a law suite . I have  documented the letter I sent them in XX/XX/XXXX of information I asked for which they never provided by the 30 days they had to produce but instead sent me a response that clearly in violation of the Hippa law and my rights. I want the items removed from my credit report or I am going to file a law suite
Consumer complaint received 2023-11-17
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inq

uiries 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 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: TD BANK US HOLDING COMPANY (NY)

td XXXX responded to the complaint. 
td bank hasnt responded to the compalint. 
the complaint is about td bank and the reversal of 2 deposits that should have been on the card 2 months ago. 

The complaint is not about td XXXX
Consumer complaint received 2018-09-06
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. (RI)

On XX/XX/XXXX sent dispute to XXXX and XXXX concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/XXXX finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

We had 2 payments delayed never used them as we get paid every 2 weeks split the payments and over paid on the loan from the beginning and they charged us XXXX $ in late fees that do not apply sent the account to repo even though we owed less than the amount at the end of the loan the customer service people lost the POA that I sent so that my wife could handle the finances the loan was for XXXX $ including finance charges they were paid in total XXXX $ at the end of XX/XX/XXXX but then they charged us XXXX $ including 2 payments and late fees this Bank is cheating and while speaking with a rep she admitted that their system has problems. on numerous checks that I wrote to them I made notes because of their attempts at what I believe to be fraudulent activity as we should not have been charged late fees adding up to 52 months they are basically saying every payment was late and that is a false statement as they were paid from XX/XX/XXXX to XX/XX/XXXX XXXX $ each month in 1 payment after that they were paid XXXX $ EVERY 2 WEEKS as of XX/XX/XXXX the payments were totally current so then they sent it to be repoed
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I opened an account with XXXX XXXX XXXX XXXX in XX/XX/2022. I submitted making an ACH information for automatic withdrawal for 24 month loan. Two withdrawals were taken out of my account and then all of a sudden my ACH information was deleted from the account by lender and I did not know that the account was not withdrawing until it was already past due. As soon as I realized I added back same info and got account up to date. I am never late and pride myself on my credit being in good standing. This was not my fault.
Consumer complaint received 2018-09-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC. (OH)

Representative from Oracle group, LLC called my work # ( XXXX XX/XX/18 ) - when he got my voicemail he called back and spoke with the receptionist and said he wanted me paged. She refused and gave him to my voicemail ( Said his name was XXXX ) I called back at XXXX XXXX  and spoke with Mr. XXXX and asked him to identify what company he was with which he then went into " There is an open investigation on you ''. At that point I told him not to call my work number and not to contact me as I will not be threatened. He then called my cell phone at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, from XXXX and XXXX XXXX, XXXX XXXX & XXXX XXXX  from XXXX. ( 8 times ) and also my work # ( after I said do not call it ) at XXXX XXXX. He started with a threat and ended with harassment. He did leave a message on my voicemail at work which I refused to listen to as I felt harassed.
Consumer complaint received 2023-11-17
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. (AR)

Hello. After being contacted by my bank for an attempt to use XXXX payment I immediately notified the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several addresses that Ive requested to have removed from my credit report. I did this on XX/XX/2023. They did delete some but not all the addresses listed on my credit report. I only want my current address on my credit report. I sent letters to all XXXX Credit bureaus with them choosing the ones they wanted to leave on my account.