davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in 2020, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX credit Dept that will confirm there were NEVER 60 day late payments made in 2020 for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (NC)

Some collection agency reported a {$6600.00} collection balance on my credit report yesterday. Prior to this phantom collection account appearing on my credit report, I have received no communication from this agency whatsoever. No calls, e-mails, letters, or anything. Without notice, they just reported it on my credit report. According to the Fair Debt Collection Practices Act, this collection agency was supposed to supply me with a 30 day notice to dispute the debt, before they put anything on my credit report. I certainly would have contested it, because I do not owe {$6000.00} to anyone. Therefore, since Plaza is in violation of federal collection law, I demand that they remove this unfounded collection account from my credit report immediately.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (NV)

At the start of 2021, XXXX started billing me for subscription to XXXX although I did not subscribe. I disputed the charge and asked that they stop billing me and requested that they close my account to stop the charge if needed. XXXX did not ; they charged me late fees instead on the latest bill sent. Thereafter I cut the card in half and returned it to the issuer as I requested that they cancel my account. I sent letters to three of their departments. 
On a recent letter I received in XXXX, I was informed that my account is still open but I will not be able to charge on it. 
Subsequently, my account was closed and maliciously reported to XXXX to give a negative impact to lower my credit score for not having paid the disputed charge of {$38.00} and tacked on additional late fees of {$40.00}.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have filed a complaint through the CFPB twice before regarding the same issue and TransUnion has failed to address the sole issue both times. 

Issue that needs to be addressed : TransUnion has been unable to provide a copy of the same credit report that was pulled by my insurance company on XX/XX/2020. 

Per their last response, the following are all things they brought up that are not relevant to my complaint : " Keep in mind, insurance companies may have access to other insurance company inquiries '' " Certain collection companies may have access to other collection company inquiries '' " Users of a report for employment purposes may have access to other employment inquiries '' " You will need to contact your insurance company directly for the specific reasons why your premium increased based on their review '' " TransUnion does not grant or deny credit. '' " Therefore, we are unable to take a dispute regarding a credit score as the score is based on items reporting to the credit file. '' " In addition, there are many different scoring models that a creditor may have used to determine the consumer 's credit worthiness. '' " It is possible Transunion 's score may differ from another source 's score. '' " You will need to contact the lender directly for more details regarding the scoring model they used. '' " For more information regarding the score, please visit our website https : //www.transunion.com/credit-score A score is a statistical tool used by some creditors to evaluate information associated with extending credit to a particular consumer. '' " Risk is predicted by means of a scorecard, which calculates the numeric value, or score, for each credit applicant or account holder. " " The score is calculated as a result of data processing activities performed by TransUnion for a creditor after the credit report is assessed, based on statistical analysis. A score is not part of your credit report, and is not calculated for all creditors. Scores are calculated only upon the request of a creditor inquiring on your credit report. TransUnion does not make credit decisions, and does not maintain information on how a specific creditor uses a score. '' " You can contact the creditor directly to discuss how your score was used. As the information in your credit report changes, the score will change. Credit history information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. '' NONE of these factors address my sole concern : Obtaining a copy of the same credit report that was provided to my insurance company on XX/XX/2020. I am asking for a copy of this report. 

Please see CFPB complaints : XXXX & XXXX for additional information.
Consumer complaint received 2023-06-02
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00}, XXXX XXXX XX/XX/2022, XXXX  XXXX  XXXX XX/XX/2022
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (VA)

I am being contacted by a debt collection company by e-mail called True AccordXXXX XXXX XXXX stating I owe {$150.00} for an account I do not have. They started contacting me on XX/XX/2021 and XX/XX/2021. I called them and I told them I do not have a collection account. Further more I do not know how they have my name, address, e-mail, and phone number, I feel this is harassment and it needs to cease.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I have a collection on my credit reports from a Commonwealth Finance, dated XXXX of XXXX. I have not received any information of any form, bill or letter, from this company. I have called the numbers listed for the company and get a continuous busy signal each time. I have disputed this account through the credit bureaus on XX/XX/2021, because I have not been contacted by this company or have knowledge of this company/account. XXXX removed said account. XXXX XXXX XXXX are showing the account is valid as of XX/XX/2021. I have yet to receive any form of contact from this Commonwealth Financial. I have looked this company up and it was mentioned they deal with medical bills. I have not been to a medical provider in 2 years, and I have lived in Texas for 5 years, so an account dated XX/XX/2021 doesn't make sense. How old is this account? Why have I not been contacted by this company?
Consumer complaint received 2017-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (TN)

I have a debt that showed up on my credit report, that I do n't believe I owe. The company never sent me anything about the debt nor gave me a chance to dispute. I do n't know how they acquired the debt, but I do n't think it is mine.
Consumer complaint received 2021-03-23
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)

The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account fedloan account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly for this.
Consumer complaint received 2021-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Enforcement Inc (TX)

I received a letter on Friday, XX/XX/XXXX from Lien Enforcement , Inc. stating we should mail a payment to Lien Enforcement , Inc., dba Lien Enforcement CA , Inc., XXXX XXXX XXXX XXXX, XXXX PA XXXX for {$2100.00} for what they said was a towing fee due to XXXX  XXXX for picking up a XXXX XXXX Motor Home that I no longer owned. I sold it in XXXX to a person who planned to live in it. I gave him the title and a bill of sale and had him to sign one for us that he had received the Bill of Sale and the motor home. We contacted both the Lien Enforcement and XXXX XXXX in XXXX XXXX, TX, explaining this, and neither would furnish us with any information. Lien Enforcement said they sent us a certified letter, which we never received. XXXX  stated they don't have a file on this matter and couldn't send us any paperwork or information, but that the debt is owed. 
Please help us. We are seniors in our XXXX and this is terribly upsetting. 
We have nothing showing that any of this really happened. We don't know what to do.
Consumer complaint received 2021-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, I noticed my Transunion score dropped significantly XXXX points. XXXX XXXX account removed without any prior knowledge off my Transunion credit profile. I immediately contacted XXXX XXXX and was told, " Transunion suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed XXXX XXXX XXXX I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted Transunion by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our business and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.
Consumer complaint received 2023-06-02
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. (GA)

XXXX continues to submit an account that has been charged off over 5 years ago and the credit bureaus continues to update the information as though it just happen this year. The car was voluntarily surrendered in XX/XX/2018 ... ..No payments were made after XX/XX/2018 because employment was tremendously slowed with my wife business. The credit companies continue to allow XXXX to report this on our credit report to extend the length of time they are able to report this and We would like for it to stop immediately.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

I have contacted Equifax and disputed the XXXX card entry on my credit report several times. Equifax states that XXXX Card refuses to release the entry for 10 years. The final payment made on this XXXX Card balance was in XXXX, 2008 and delinquency began in XXXX, 2008. ( see attached documentation ). I am trying to secure a home loan at a favorable interest rate and this erroneous entry is preventing that.
Consumer complaint received 2024-03-16
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. (SC)

I Just Recently Looked At My Credit Report Saturday, XX/XX/XXXX. I Saw Some Hard Inquiries That Did Not Have Permissible Purpose. 


XXXX. XXXX XXXX ( Bank ) / XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b 6. XXXX XXXX ( Finance ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX  ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of XXXX XXXX XXXX XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b
Consumer complaint received 2024-03-16
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. (AR)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-06-20
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. (PA)

Transunion is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Transunion Commission file number XXXX Trans Union LLC XXXX XXXX Guarantors, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX lead arrangers and joint bookrunners, XXXX XXXX  XXXX New York XXXX XXXX XXXX administrative agent and collateral agent, and each of the other Lenders party thereto. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX Bank XXXX XXXX XXXX New York New York XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Va XXXX i will be filing form XXXX treasury XXXX forms to audit consumers account. 
Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-09-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC (OH)

my loan was under forbearance for covid XXXX for a year and 3 months. and i received funds from two agencies and they disbursed the funds in a manner that is overcharging me. they received over XXXX in funds. i received mortgage statements saying they were missing payments when they received payments from organization then it was found with calls from me with explanation and date of payment. my mortgage was originally XXXX they received funds before forbearance was approved, my mortgage was also raised when bank received funds on my statement. my forbearance should have no late fees under it so i should have had more money left over and my principal should have lowered.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: First Technology Federal Credit Union (WA)

XX/XX/XXXX - XXXX charge on credit card XX/XX/XXXX - Statement closing date XX/XX/XXXX - Statement due data XX/XX/XXXX - Next statement closing date XX/XX/XXXX - Next statement due date XX/XX/XXXX - First tech calls me to indicate late payment past 30 days due already reported on my credit report, I immediately pay the card and close the account XX/XX/XXXX - First tech reports first 30 day delinquency XX/XX/XXXX - First tech reports second 30 day delinquency XX/XX/XXXX - Lender hard inquiry XX/XX/XXXX - Visit branch in person to resolve with First tech, I am told that this is not an error and to call the generic customer service hotline. I call customer service hotline and they reach out to same department that branch member talked to and give me the same incorrect information. I request to speak to someone in the credit department but they refuse so I speak with a manager. The manager assures me that this second 30 day does not make sense and they say they will speak to the credit department themselves and call me back the next day. I then talk to another customer service representative and get the exact same story. 
XX/XX/XXXX - First tech calls me back and tells me that they will take up to 30 days to look into meanwhile my window for correcting the XX/XX/XXXX hard inquiry is expiring on XX/XX/XXXX so it is likely that my credit will suffer an addition drop due to another hard inquiry after this matter is resolved. 

From the timeline above, it is clear that the second 30 day delinquency was filed in error by First Tech. This was reported to only XXXX and not the other 2 credit bureaus so it was clearly an error. Also, based on the fact that the account was fully paid off ( AND CLOSED ) on XX/XX/XXXX, there is no way that a 30 day delinquency should have been reported on XX/XX/XXXX. First tech has refused to take responsibility and simply provide a letter stating that this is an error to avoid further damages to my credit. As a result, I will have to pay extra points to reduce in interest rate to a level that is still higher than if this error was not present, or refinance after the error is corrected. As a result I will suffer thousands of dollars of damage that could have been avoided if first tech was competent enough to recognize and resolve their error the first time they were made aware.