davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (MI)

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA section 609 Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I paid off my credit card balance of {$440.00} to XXXX XXXX XXXX  on the date of XX/XX/2018. XXXX XXXX mention my credit report will be updated in 30 Days. 30 Days later all three of my credit reports states a balance of {$440.00} from XXXX XXXX. I disputed the balance through Transunion, XXXX, XXXX. XXXX XXXX responded to XXXX, XXXX, Transunion saying balance of {$440.00} is correct no change was made on Credit Reports. I HAVE DISPUTED ISSUE 4 TIMES with Credit Bureaus. I am receiving correct balance of {$440.00} on credit reports. I disputed with all three credit bureaus. I am looking to sue XXXX XXXX this issue have kept me from receiving home loan and other offers.
Consumer complaint received 2024-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AR)

For several months now, EdFinancial has been rejecting my payments on my student loans, even after their website saying I was overdue for a payment. I submitted a payment for the overdue and current due amount, they rejected the payment ( though my bank account had the money in it ) and when I called customer service, they insisted that it was because the banking information I had saved in my account was invalid, when the information hadn't changed and had been used to pay off a previous student loan with them. Now, their website won't even let me log in to view my loan details.
Consumer complaint received 2023-12-04
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)

I am a victim of identity theft someone has used my information to obtain and attempt to obtain new credit without my consent/authorization or knowledge. And I demand that these fraudulent accounts be blocked and removed immediately. 
Transunion : XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I signed up for a XXXX XXXX card in XX/XX/2018 by clicking on a promotional banner on XXXX 's website stating that I would receive XXXX XXXX points. I signed up because of the promotion to earn XXXX reward points. I remember distinctly because I was in the middle of a hotel reservation that I had to redo because the application took so long and I called my best friend right after to brag because she had only received XXXX points. 

I spent over {$20000.00} on the card between XXXX and this month ( XX/XX/2018 ) only to find out that I would not get the XXXX points, but by some error, I was enrolled to only get two free nights ( up to XXXX points ). By another error, my two free nights were canceled, I was told in an attempt to give me the XXXX points instead. Chase then refused to reissue the free nights or to issue the XXXX points. Chase 's customer service team told me three different stories the three times I called to inquire about the points. 

I believe that Chase lied to me repeatedly to keep my business, they did not stand by their advertised promotion ( which was the only reason I enrolled and used the card ).
Consumer complaint received 2018-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  on my transunion and XXXX delete, no written signatures.
Consumer complaint received 2023-12-04
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. (PA)

The Credit Bureaus have failed to fully verify the negative accounts they entered on my credit report. Additionally, their communication among each other has been inaccurate, leading to records that show incorrect information.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-04-15
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)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. 
SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TRANSACTIONS. SEE ATTACHED DOCUMENTS.
Consumer complaint received 2023-06-01
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: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-12-04
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. (MA)

Subject : Dispute of Inaccurate Collection on My Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute a collection account XXXX XXXXXXXX amount : {$1700.00} date opened : XX/XX/2023 that appears on my credit report, which I believe is inaccurate and does not belong to me. 

Upon reviewing my credit report, I noticed an entry for a collection account under my name. However, I have no knowledge of this account, and I believe it has been mistakenly associated with my credit profile. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection entry from my credit report. I have attached relevant documentation supporting my claim, including evidence of payments and any other pertinent information. 

I understand the importance of maintaining accurate credit information, and I appreciate your attention to this matter. Please inform me of the results of your investigation and the actions taken to rectify this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old loan a s " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the s ame 10 year old studen t loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped my credit score  XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.
Consumer complaint received 2018-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

Ocwen took more than 4 months for modification. Continued charging enormous fees. Finally completed modification started and completed trial as required told I would have a large balloon payment at the end of loan and that was the best they could do or would foreclosure on my home. Currently trying to refinance and credit report does not reflect trial modification payments. No description that I was paying payments for four months. Ocwen reported 120 late for entire modification and continued to report late after trial was completed and permanent loan was modified. Only after numerous calls did they change certain months with accurate information. But still continue to report 120 late for four months with no mention of payment agreement when I was on trial modification made payments in advance so technically I paid 3 months in advance so should have been reported as on time No resolution since XX/XX/2017
Consumer complaint received 2023-12-04
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)

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. 
SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TRANSACTIONS. SEE ATTACHED DOCUMENTS.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts
Consumer complaint received 2023-12-04
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. (IL)

I reached out to transunion adv that I have unknow unauthorized inquries on my credit report. This is the third time Ive reached out. They informed me that I need to reach out to the creditor. Once contacting the creditor they told me to contact Transunion. mnIve then contacted transunion and informed that the inquries were not authorized by me and asked politely to remove. They informed me I have to provide paperwork from the cfpb an dthe ftc. I didnt know that unauthprized transactions can stay on my credit if im telling them its not me. These are the inquries im asking to be removed due to being unauthprized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-12-20
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank asked me for additional information which I am providing today attached. My original complaint number with Chase was ; XXXX XXXX. 
Enclosed here is the information and documents Chase requested. Thank you XXXX XXXX
Consumer complaint received 2023-12-04
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. (FL)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1. Dueto the covid-19 forbearance program regulations it states that no late payments are to be reported the financial credit bureau during the time of covers forbearance period XXXX Account XXXX : XXXX This is violation of my rights. please update to never late XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

Duplicated student loan/accounts reported by mohela. 

Accounts were reported/opened on XX/XX/XXXXXXXX  with the highest balance of {$24000.00}. XXXX monthly payment and Last reported on XX/XX/XXXX. 

The second account was also reported/opened on XX/XX/XXXXXXXX  with the balance of {$24000.00}. ( With a highest balance of {$25.00}, XXXX  last reported XX/XX/XXXXXXXX  ) Also the balance due on my student loan is reported incorrect. Last payment being made to mohela in the amount of {$270.00} on XX/XX/XXXX. 

Current/correct balance as of today XX/XX/XXXX is {$24000.00}
Consumer complaint received 2023-12-04
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)

Dear TransUnion I see that you continue to violate my rights and the law by constantly verifying the un-authorized inquiries listed below. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX | XX/XX/2023 : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX | XX/XX/2023 : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX | XX/XX/2023 : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX : Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

XXXX XXXX Account number : XXXX, Did not authorize extra fees and charges. Contact the collector and have them remove this. 

In my last letter I gave you the new and relevant information ( proof that the creditor did not have authorization ) you needed to conduct your investigation. Yet you still verified these inquires. Its troubling that your company continues to violate the law and hurt consumers on a daily basis. The law is clear, if the creditor does not have permissible purpose to pull a credit report, they cant pull. You have failed your responsibilities to me as a consumer and I will explore all legal options that are afforded to me under the law. 

Because of your willful non-compliance, I will be filing more complaints with various organizations. I will also be seeking legal advice on this matter. 

CC : FTC, Attorney Generals Office, XXXX, CFPB
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

2 late payments have showed up on my credit report that are not accurate at all. 

I have spoken with the creditor and they said they never submitted this information to the bureaus so they do not know why its saying that. 

Please help me remove my late payments so I can buy a home for my family. 

I have sent multiple certified letters to you guys on getting this removed please remove the following late payments ( XXXX XXXX XXXX XXXX ) Late payment ( XX/XX/2023 ) & also ( XX/XX/2023 XXXX
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-12-04
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. (FL)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$6000.00}
Consumer complaint received 2024-04-15
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Back In XX/XX/XXXX or XX/XX/XXXX of this year I sent a validation letter to the company advising this debt was not mine. I then sent them another letter on XX/XX/2018 which provided proof that the account they have on my credit file is not mine, they still did not respond. I filed a complaint on XX/XX/18 in which they finally responded saying they would remove from my collection file as well as they would send me a fraud packet. To this date neither was done, this account is still on my credit file and I never received the packet they claimed they would send.
Consumer complaint received 2018-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened a Citi checking account at the beginning of XX/XX/2018 using a coupon code provided. The terms were {$500.00} bonus cash after depositing {$15000.00} within 30 days and maintaining the balance for 3 months. I never received the bonus cash - its been more than 3 months. I reached out to Citi multiple times, keep getting shuffled around to different people, in most cases the call disconnects after a while.