davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (VA)

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 2023-05-22
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-22
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. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE NOR DO I HAVE ANY AFFILIATION WITH. I CONTACTED THE CREDIT BUREUAS REQUESTING VERIFICATION, AND THIS ACCOUNT IS UNVERIFIABLE. 
THIS ACCOUNT BE FURNISHED TO MY PROFILE IS SEVERLY AFFECTING MY CREDIT. 

I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT OR CREDIT INQUIRIES TO BE REPORTED WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING FRAUDULENT ACCOUNT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-05-22
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX XXXX : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-22
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. (TX)

2 Fraudulent Hard Inquiries 
Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX  Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX, VA, XXXX
Phone number: XXXX XXXX Inquiry date: XXXX XXXX XXXX
Account: XXXX XXXX
Type: Credit Unions
Creditor Address: XXXX XXXX XXXX XXXX XXXX, XXXX
Phone number: XXXX XXXX
Consumer complaint received 2022-01-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

In XX/XX/XXXX, my loan, like many others was placed into forbearance because of the pandemic. Our business struggled mightily and barely survived, but we did manage. In XXXX or XXXX of XXXX, I was fine and tried multiple times to no avail to get LoanCare to reactivate my account so I could resume payments. They deactivated my online account making this impossible. They asked for paperwork to begin the process of a loan modification. I provided everything they asked for over and over again, but due to delays at LoanCare, they would come back to me every month asking for more paystubs, etc. Late XXXX, I received an offer for a XXXX  month repayment plan requiring me to pay over $ XXXX per month for XXXX  months. I explained this was not possible and was told I should do a loan modification. I told the person this was my intention all along, but there was no continuity between calls. I made dozens of calls and sent at least 40 emails to no avail. I finally reached someone ( I recorded the calls and told them I was doing so ) back in XXXX who said they understood and would get things situated. I had to start over at that time with paperwork sending them absolutely every document again. In early XXXX, I received a letter that LoanCare had everything they needed to process my application. Today, I received a letter ( just got it today though it was dated XX/XX/XXXX ) that I was being placed in a six month repayment plan and would need to pay {$10000.00} per month for six months. I don't even begin to make that much money per month. I am at a loss at this juncture. I am a XXXX  XXXX  Veteran, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've dedicated my life to serving others and I worked very hard to get to the place I am now. I've done everything they have asked for, but it seems this is not enough. I don't know who to turn to and hope that someone can help me get to the bottom of this situation. Please feel free to reach out for additional information. I understand there is at least one class action law suit against LoanCare and their online reviews are terrible. I have to believe I am not the only one going through this.
Consumer complaint received 2024-01-27
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)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXX XXXX XXXX  # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information.

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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. 


However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is possibly incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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 2023-05-22
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. (NM)

When I provided a copy of the FTC report, it was determined that TransUnion and XXXX credit bureaus are not interfering with records. Because it is required by FCRA Regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If they choose not to impede the following accounts recorded under that are responding incorrectly because of fraud. The following accounts need to be removed from my file : XXXX CARD XXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00}.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My account was in arear and I applied to the NYS Housing Assistance for help and on XXXX XXXX NYS sent a wire [ check ] to my mortgage company XXXXXXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) to be applied to my account. 
I called XXXX and ask for my credit to be updated and was told that would be updated on XX/XX/2023. Today I pulled my credit and was surprised to see the in accurate information that was reported to the credit bureau. It states that I am 120 days late and that my balance has been increase to {$220000.00}. As a result XXXX XXXX has closed my account.I find this deceptive because each month they report my credit to the burau but nothing like this. Why when a payment is made something like this could happen. Please I am asking you for help because I have no one advocating for me. Please see attached from the credit bureau. 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-07-10
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. (OK)

The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, Your Name
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GreenSky, LLC (TX)

On XX/XX/2022 a fraudulent plumbing contractor in XXXX, Texas, obtained over {$8000.00} from GreenSky by setting up an account in my name. When I discovered that I had been defrauded, I informed GreenSky in writing, on XX/XX/2022 not to release any money to the fraudulent plumber. However, in XX/XX/2022, GreenSky paid the fraudulent plumber and began trying to collect the money from me. Although I attempted to communicate with them, they have refused to cooperate despite their so-called client 's bill of rights. They are now demanding that I make monthly payments on the debt they created against my will.
Consumer complaint received 2021-12-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (IN)

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from unfair credit and collection practices I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX5 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
Consumer complaint received 2021-12-14
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. (ID)

In XXXX of 2020 I fell ill with XXXX XXXX after XXXX XXXX diagnoses. After a few months of only being able to afford partial payments I reached out to XXXX, who I have a loan with and they helped me under the cares act and on XX/XX/2020 received a loan modification to omit the late months and reduce payments through XX/XX/2020. I made payments per agreement and once XXXX  was established back on regular payments for 6 consecutive months as was told had to have that before I could refi under the cares act from other lenders. During this time my other accounts were closed by lender due to low credit score. I didn't realoze the damage as I applied in XXXX then again in XXXX and time expired ( my fault ) then I received a flier in mail saying I could get a home equity loan 3rd party and needed credit score if X amount so I pulled my credit and found the errors in report. I then tried to get a loan to pay off closed accounts and unable to qualify. I filed a dispute with all 3 credit reports and XXXX said reported credit correctly and did not change. I filed a complaint with XXXX and the XXXX and they are currently processing a " mini loan '' so I can pay off bills and reset the reporting on credit for loan. Per my consumer credit rights I am requesting a through investigation as my attempts to resolve have been unsuccessful and I am needing new windows for my home and can not qualify for the loans under cares act due to this.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am reaching out to highlight that my credit file includes accounts lacking any historical reporting data. According to the compliance protocol outlined in 15 U.S. Code 1681i, it is imperative that these accounts be promptly removed from my report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX. XXXX - XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCalla Raymer Leibert Pierce, LLC (IL)

My Deceased Ex Husband passed away on XX/XX/XXXX. His Mother who is now Deceased on XX/XX/XXXX of XXXX, we both contacted his Mortgage Comp. { XXXX } on his Death on the XXXX of XXXX. I have a letter from them that I'm not a party of interest nor Heir. { Ex-Wife } I'm not a cosigner/co borrower, not on Home, not on Taxes, nor an Executor of Estate, nor successor, nor Deed/Title on nothing. For 15 Months They called me on my phone, and they got Verbal. XXXX kept my number and gave it to their Attorney then they called. I filled Bankruptcy XXXX XXXX someone in my Attorney 's office contacted them why I don't know? Mortgage Comp. 's Attorneys put in a motion of Abandonment. Mortgage told them I was an Heir? But on a Doc 63 Mortgage Attorneys put in had My Deceased Ex Husband 's Address and mine is missing I never lived there that is Fraud. Then Withdrawn it after the Trustee Objected, if they can prove I was an Heir and Trustee would take the home and sell it and pay the Creditors { XXXX. } Mortgage. XXXX said no and had their Attorneys withdraw motion to make it look legal on the address but Illegal then I found out that the Attorneys had a Lawsuit filed before court for payment on Deceased home that I don't own. If the Trustee or the Judge didn't grant them their request or let the Attorneys change my address. Letting you know about their harassment and intimidation. And aggressive and deceptive practices all parties should be held accountable and is a violation of my rights. I'm not responsible for this Debt. The parties Involved are Attorneys McCalla Raymer Leibert Pierce , LLC and XXXX XXXX The Deceased never remarried no children he was single an unmarried man I also told all parties above in a Certified letter this matter is closed do not contact. Father is Deceased, Mother Deceased, Cousin who moved his stuff out of home XXXX, Aunt and Uncle Deceased old age, don't know where widow of Cousin is, or his XXXX daughter live and don't know their names. I am the victim in this mess. The Ex-Wife has the right to say NO on the home and they didn't take NO for an answer. They sent someone after me in a secured building you need a pod device to get in that person Trespassed. This happened 3 times and once in a car trying to hit me. same person on video in car. and building belongs to HUD.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

These are my multiple requests that I am submitting this CFPB Complaint to strongly dispute the fraudulent items on my credit file, and I demand their immediate and unequivocal removal from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate, and their presence is causing significant harm to my creditworthiness. Let me be perfectly clear : I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship. I need the following items be removed on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX  {$210.00}.
Consumer complaint received 2023-05-22
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. (LA)

When I looked into my credit report, I found that there was inaccurate. The XXXX credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account ( A ) : XXXX XXXX XXXX Balance : {$10000.00}