davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

XX/XX/2023 Lexus Financial Services also known as Toyota Financial Services called my employer XXXX XXXX XXXX trying to collect a past due payment that I already have set up a payment for XX/XX/2023 to be drafted out of my account. They were never authorized to ever call my employer as I do not have my employer 's phone number listed on my account. They have continued to harass me by calling my employer on many other occasions.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over 30 days to validate this debt and I have not been given anything.
Consumer complaint received 2023-10-03
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. (NC)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of the late dates of certain entries on my credit report, specifically accounts related to XXXX XXXX and XXXX. I submitted a request for information regarding these alleged debts. Regrettably, as of today, I have not received any correspondence from them in response to my request. It is critical to note that these companies have failed to provide sufficient information to verify the debts in question, even after being given ample time. The lack of communication or response from them is both concerning and a violation of standard credit reporting practices. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-12-27
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. (WI)

I feel taken advantage of from this credit reporting company. Information is on my report which I know isnt being reinvestigated properly. This information is reported with errors and is affecting my score and I am beyond stressed out by this at this point.
Consumer complaint received 2023-12-27
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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)

XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be late.XXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Consumer complaint received 2023-09-01
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. (PA)

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 2023-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (TX)

I have been incorrectly billed/charged. Late last year, I called Ed Financial to inquire about the news of the student loan forgiveness program that was being floated around in the news. The person with whom I spoke accidentally and incorrectly thought I was requesting a reimbursement due to the National Emergency Forbearance/COVID Relief Program. 

I never received these funds, nor have I deposited them. I have W2 filings and Bank statements to prove this out. Furthermore, the check is void after 180 days, which we are way past at this point as it is XXXX months since the check was mailed out. 

Back in XXXX I followed up over phone and the representatives confirmed this was an error on the billing teams side and they were going to locate the check. A representative confirmed that I do not owe them any funds, and that once the check has been located the refund request would be cancelled, which should set my balance to XXXX. I can not legally be made to repay funds I did not receive, and I have proof that this is the case. 

The account balance is still showing {$1200.00}, which is incorrect and invalid as I have never received these funds nor intended to request them.
Consumer complaint received 2024-04-23
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)

XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be lateXXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (MD)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. The accounts in question are as follows : XXXX XXXX XXXX. I want to bring to your attention that the respective bank/creditor, upon being made aware of this issue, has agreed to remove these accounts from their records. The other credit bureaus, XXXX and XXXX, have promptly followed suit, acknowledging the error and removing the entries. I am deeply confused and annoyed as to why your bureau has not taken similar action despite being aware of the fraudulent nature of these accounts. As a victim of identity theft, I demand that you comply with the law and follow the standard procedures established by other credit bureaus. It is both frustrating and infuriating that my repeated requests seem to be ignored. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

WELL FARGO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TRIED TO GET THESE COMPANIES TO REMOVE THE XXXX INTEMS FROM MY REPORT, I HAVE SENT DOCUMENTATION OF BEING THE VICTIM OF IDENTITY THEFT
Consumer complaint received 2023-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NY)

On XX/XX/2023, I applied for a federal consolidation loan that i now realize I would like to cancel. I have been trying to get ahold of my servicer, EdFinancial, for over two weeks and have heard nothing back. Their wait times for calls are over 600 minutes, and while they offer the promise to save my spot in line and call me back, I never receive a call. The chat option on their website always crashes for me as well. Theyve switched to a new system and tell me every day that I need to create a new account, even though Ive already switched over to their new system. I would like to cancel my consolidation loan. 

I would also like to view the status of my SAVE plan application, which was submitted on XX/XX/2023. The student aid website says that my application has been processed, but EdFinancial has not sent me a single email about my application or approval status. 

I need to know both of these things before my first payment is due in XXXX, but there is zero way for me to get ahold of this company.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00}.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC (AZ)

XXXX issues I keep running into the same issues with XXXX. I have attempted to make many corrections to the misinformation that is being constantly reported. 

First, someone reported XXXX as an alias and they took that information as accurate. 

They also reported some other addresses that were really private mailboxes that I rented from a local XXXX store. Somehow, they reported those as valid apartment and home addresses. 

I disputed a lot of the addresses and they somehow appeared again this month. 

Also, it seems that my personal address was updated to an old address in XXXX XXXX, CA. 

I called to inform them of the update and I still dont see the update. I have reported many instances of telefraud to Immigration and Customs Enforcement ( ICE ). 

Im not sure what kind of fraud they are trying to perpetuate but I have a feeling it is a hate crime by the XXXX community. I have also reported this to the Federal Bureau of Investigations ( FBI ). 

I am a member of the XXXX and think that they somehow caught wind of this via the homoerotic fantasies being perpetuated in my current city of residence - XXXX, AZ. 

A lot of the younger males/females/them appear to have this XXXX fantasy with me involved. I think they record weird audio when I am training. 

Back to XXXX, new address alert - XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) had already been removed. New address alert - XX/XX/XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX ) moved out years ago. 

I have filed more than a few fraud reports to the Arizona Attorney General as well, regarding some of the crimes being perpetuated. 

I have had a XXXX membership since XX/XX/XXXX. 

Phoenix Financial Services apparently purchased some old medical debt that had already been paid off or written off years ago. I'm not exactly sure what kind of scam this company is trying to perpetuate via XXXX XXXX XXXX, XXXX. 

Somehow, this was reported to XXXX and added to my credit report. I don't think you can use medical debt to bring down credit scores - I am pretty sure this is illegal.
Consumer complaint received 2018-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Former servicer XXXX approved modification XX/XX/XXXX, and final documents were approved in XX/XX/XXXX, but the servicer changed to Ocwen. When the final documents go to Ocwen in XX/XX/XXXX, Ocwen wouldnt honor the modification. Ocwen acknowledged for the first time ever receiving my Notarized and signed Modification documents on XX/XX/XXXX. For 5years Ocwen kept stating " owner doesnt allow modifications '' in their response to me. But Ocwen wouldnt acknowledge what I sent in XX/XX/XXXX. I want to keep my home, I can afford it. I submitted emails and had many calls to the investor, " XXXX XXXX '', but the bank says they are not the owner of my loan. I do not know who owns the loan because XXXX XXXX, of XXXX XXXX  in XXXX XXXX XXXXXXXX says that XXXX XXXX isnt the owner. Ive had several conversations with XXXX XXXX to help me find out who is the owner of my loan, but XXXX XXXX says, XXXX XXXX isnt the owner. I requested to Ocwen numerous times to please tell me who is the " Owner '' so that I could make a request to modify the loan. Please dont allow Ocwen to sell my home. I have no other place to live. I have been in my home 25years this XX/XX/XXXX, and I need your help. Please help me CFPB.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY XXXX XXXX ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN XXXX  DAYS. THESE LATE PAYMENT

S HAVE BEEN UNVERIFIABLE. ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I
, EXPERIENCES AND TRANSACTIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Consumer complaint received 2023-09-01
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)

Did not authorize inquiries listed below please delete from credit report immediately thanks : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-27
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. (MD)

TO WHOM IT MAY CONCERN I recently received a copy of my XXXX Credit Report, XXXX and Transunion Credit Report and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXXXXXX Date of Late Payment - XX/XX/2023 Date of Late Payment- XX/XX/2023 Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states : ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 . 

Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX Enclosed- copy of ID and bank statement showing proof of address.
Consumer complaint received 2024-04-23
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. (MO)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus have stated that my account has been properly investigated. 
How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also. 

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus took more than 30 days to complete my investigation.
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: EQUIFAX, INC. (MN)

Attached to this complaint is a letter I received from XXXX XXXX XXXX, XXXX ( XXXX ) on XX/XX/XXXX  informing that they had a security breach on XX/XX/XXXX  and my personal information such as my Name, Date of Birth and Social Security Number was compromised and stolen by an unauthorized third party. The following accounts thats currently showing and listed on my XXXX and Equifax credit report is the result of the data breach and are fraudulent accounts : XXXX XXXX XXXXXXXX, {$210.00}, XX/XX/2023, XXXXXXXX XXXX XXXXXXXX, {$330.00} , XX/XX/, XXXX XXXX XXXXXXXX, {$610.00}, XX/XX/2023, XXXX XXXX , XXXX, {$320.00}, XX/XX/2023 and XXXX XXXX XXXX XXXXXXXX XXXX {$250.00}, XX/XX/