davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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 & noticedmany items which do not belong to me. Since Im a stickler for research, I found that under section605b of the FCRA you are required by law to remove & block any items which are found to be openeddue to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report foryou and the bank 's records ( learned through more research both parties require ). Please block/removethese files. XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-07
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. (SC)

Hello all, I have disputed a negative remark on my credit report with all 3 major agencies for XXXX XXXX  XXXX. The account number ends in XXXX. 

The inconsistencies center around payment information. They are mismatched on every single report. Some show payments, some say CO, so say no payment and they are all different. 

I know, through you, that if they can not verify then they can not legally report this. All three disputes have come back as verified but nothing has changed and all are inaccurate. Can you help?
Consumer complaint received 2022-10-21
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. (GA)

TransUnion failed to verify the Collection/ Closed account and balance amount being reported for XXXX XXXX XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Consumer complaint received 2023-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2020-07-31
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (PA)

After reviewing my most recent EQUIFAX credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a clear violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my rights to privacy Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. I also demand you, EQUIFAX, to produce a contract between you and I, consumer, bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act Section 611.

My contact information is listed above.

Sincerely, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserve
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I XXXX XXXX spoke with one of Select Portfolio Servicing employees at the end of XXXX of XXXX. She and I conversed about the plan the company had came up with for me. she offered me a modification of XXXX payments of XXXX beginning XX/XX/XXXX. I accepted the offer verbually and she also said they will send me something to sign in agreement. I have yet to receive that. I accepted because I need a place to continue to stay. Also in my mind I was saying why has the mortgage payment went up so much? I realize I am very much behind on my payments and I have been trying for years to get to this point so I can get back on track. The lady also said my interest rate was going up to XXXX percent. My normal interest rate was XXXX percent. I was really at a lost for words. I said to myself I did not ask to refinance I asked for a modification to get back on track and put all behind payments on the back end like Select Portfolio Servicing has done in the past. It seems like to me I am being discriminated against because I am behind on my mortgage payments and they are trying or is to make the payment very unaffordable for the 6 months. It also seem as though Select Portfolio Servicing want me to lose the home or move out. I am asking Select Portfolio Servicing can you please keep my mortgage at XXXX and please revise this payment plan so that I can afford it. There are repairs that are needed to the home that I will be seeking homeowners assistance programs for help in concerning these repairs or led me where I can get assistance .Select Porfolio Servicing can you please or will help me in this matter. Thanks so much. My name again is XXXX XXXX Account number is XXXX
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On  X/X/2017    I sent certified correspondence to Transunion  LLC , ( it was signed for on  X/X/2017    ) regarding information placed on my credit repo rt, ( Illinois Federal Court " Bankruptcy '' and Will Recorder of Deeds " Tax Lien '' ) I requested that t hey VALIDATE the information, because the parties stated above mailed me letters stating that they DO NOT report to credit bureaus ( documentation was included in my initial dispute and uploaded in my complaint also ) .I requested that if the information placed on my report could not be VALIDATED I would like the information permanently removed from my report record, they responded to my request with a letter stating that it was VERIFIED and will remain on my report. I would like this matter re investigated.     enclosed is correspondence I am sending to Transunion to have my cas e re inv estigated along with my complaint to CFPB, a copy of the letter stating " verified '' fr om ( Transunion ) as well  as verification that  XXXX  has Deleted the Will Recorder of Deeds " Tax Lien '' from My credit report.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.
Consumer complaint received 2023-01-07
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. (FL)

XXXX XXXX XXXX Account # XXXX My Account have with them currently. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022 XX/XX/2022 Im still Current Member with Attnt, Internet and Phone Line.Attnt stated it should already be removed off of my account since I had already paid it since XX/XX/2022. So, I called and then try to dispute it with the credit companies nothing was removed.
Consumer complaint received 2023-01-07
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. (NY)

I was reviewing my credit report and noticed that there are unauthorized inquiries between the XXXX credit bureaus. 

It appears as if on XX/XX/XXXX someone tried to apply for lending in my name with all three bureaus. 

As you can see, I have a very limited and responsible credit profile. 

I disputed this with the bureaus on XX/XX/XXXX and all letters were received XX/XX/XXXX by XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to XXXX and never got any response back. 


I have asked the bureaus to either validate or completely remove these inquiries and they have not done so. This has been XXXX  months now. They are coming up as mortgage companies and I have never applied for a mortgage before, have never even considered it. It is the only inquiry on my credit report in the recent future, I applied for a XXXX charge card right before, that is the last valid inquiry on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (GA)

On my credit report there is an outstanding collections from city of XXXX utilities stating that I owed {$500.00}. It was then transferred to XXXX XXXX XXXX. i paid the remaining balance in cash and closed out the utilities account in person at a service center when I moved from XXXX in XXXX of XXXX. I did this because I had roommates and we combined our cash to close out the account. I then received a call from XXXX XXXX XXXX a few months later saying a balance was in collections. There was no remaining balance. I have attempted to dispute it with them over the years with no success. This is the only negative mark on my credit at all. I was never even notified there was an issue from the city of XXXX, and when I tried to call them directly they told me the account was at a XXXX balance and closed out.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Ive sent Equifax numerous request by certified mail and online since XX/XX/2022 to investigate and delete several accounts that do not belong to me and Equifax has failed to properly investigate the items in dispute and delete.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (MI)

All the inquiries that are fraudulent are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Equifax has not allowed me to unfreeze my account, which I also can not access. 
I call their line, when on the phone their system to verify does not work. 
They now require me to send in a copy of my Social Security XXXX, Driver License, and a cover letter by fax or mail to their XXXX in XXXX. 

I do not even remember making an account with them, and now have to pay to get into my account. 

There is no place to walk into to unfreeze, I have to pay for mail or fax. 
I need help
Consumer complaint received 2023-05-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (VA)

According to the FCRA account # XXXX DEPT OF ED/XXXX Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: OPORTUN FINANCIAL CORPORATION (FL)

I was not able to make my XX/XX/XXXX payment because I moved and because some unscrupulous realtors stole my deposit I fell behind on everything. I was not able to pay any of my credit cards on time which resulted in several of them constantly calling and re arranging the payment. Oportun credit card was one of them that did not stop calling, even after explaining the situation and even giving them a date that the payment will be made ( XXXX XXXX ). I was stated by the representative, a lady that if I paid {$120.00} by XX/XX/XXXX everything will be fine and I be back to normal, II was like " oh perfect, I will definitely try to do that. My card statement was {$1000.00} for XXXX. Now I am checking the statement and once again it is {$1000.00}. I called and XXXX, answered. XXXX is the CSR rep that works on the weekends as he stated. I explained the situation and that my card is over the limit again, with the interest of {$36.00} monthly I am not going to be able to bring it back current. I am going thru a financial hardship and need to get help. He stated that they only do medical hardships. I need help because I am a XXXX veteran that depends on their check to pay my bills and I have other debts that leave me no additional money. I would also like to state that I have a personal loan with Oportun lending, which I guess is another division completely different because as soon as I explained to them my hardship they were more than helpful in assisting me and even postponing my payments until XX/XX/XXXX.
Consumer complaint received 2023-01-07
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. (NY)

This is a XXXX Credit Card. I noticed on my credit report that XXXX started my card was past due XX/XX/XXXX. I noticed it a few months ago ( XX/XX/XXXX ) .I called the XXXX XXXX number and spoke to an associate. I was informed that there was never a report made to the credit agencies. 

The card is in my maiden name and is XXXX XXXX. 

I received a letter dated XX/XX/XXXX in which they confirmed that any notation was internal only and was not sent to the credit agencies. I then took that letter and sent it to XXXX again. I received a pre-printed letter stating that my credit report is correct and there is nothing they can do. 

I have a letter from them stating they never notified the credit agencies and they confirmed that. Now they are refusing to correct their error that they admitted to?
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX Original Creditor : XXXX BG XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2017-05-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with fraud alerts or security freezes — 
Company: KEYCORP (NY)

A collections attorney has frozen funds in my CD account at Key Bank.   They obtained a judgment against me without proper service and I am in the process of having that reversed.   The debt came from unpaid bills from my previous employer that went bankrupt. I was not a owner in that company but I signed the checks. The collections company did not have success going after the bankrupt company thus they came after me.   When I received notice that Key bank has been instructed to freeze funds, I called the owner of the food supplier and questioned why he did this since he knew I was not a principle of the company that owes him. I told him that they froze approx. {$30000.00} and I do not have that money in my savings account. He contacted me the next day via text message that I lied and I have {$200000.00} in my account. That  XXXX  is my investment CD not savings yet how does the collection agency and their client know that I have $  XXXX  in my Key Bank CD?   I called  Key  Bank and they would not discuss the situation with me thus I have chose to file a complaint about my bank and how my personal info was given to the collections agency?