davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-30
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXBalance : {$17000.00}
Consumer complaint received 2022-12-30
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXBalance : {$17000.00}
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Both of the credit bureaus don't allow me to get my once a year free credit report. They state they can not provide the report online and advise me to request via mail to the addresses below. I send the letetrs and they do not respond nor send me the report. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX  TX XXXX
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX in the amount of {$450.00} and I mailed it to the Ally Payment Processing Center for my XX/XX/XXXX car payment. Then later in XXXX I was contacted by Ally Financial informing me that I was late in making my XXXX payment, and that I am incurring daily late charges. 

On XX/XX/XXXX, I called Ally four times to try and straighten this out, only to be repeatedly told by the customer service agent that my XXXX payment is delinquent and would I like to make that payment now? On one conversation I was put on hold and after 50 minutes with the agent not returning to the phone call I hung up and tried calling back again. 

I am writing to dispute the false record of my being delinquent on my payments and to complain about the horrible customer service. A XXXX XXXX XXXX XXXX, no. XXXX was mailed to Ally on XX/XX/XXXX and the money order was cashed by Ally on XX/XX/XXXX. I have mailed a letter of complaint including a copy of the XXXX and XXXX money order payment receipts. I have also now paid to Ally another XXXX payment of {$160.00} which includes the XXXX payment plus interest. Starting with my first auto payment I have been paying extra money on the loan thus my XXXX payment was actually reduced to {$160.00}, but as stated earlier I had sent them {$450.00} on XX/XX/XXXX. I made this additional {$160.00} payment so that they do not report to the credit bureaus that I am delinquent. I have now paid Ally {$610.00} for the month of XXXX and as of XX/XX/XXXX another payment is due.
Consumer complaint received 2022-12-30
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Consumer complaint received 2024-03-25
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)

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish an account without my instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The account is a direct breach of the FCRA PLEASE DELETE so we can avoid civil liability.
Consumer complaint received 2021-01-02
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: Experian Information Solutions Inc. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX
Consumer complaint received 2020-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have been trying to get a refund from my escrow account since XX/XX/19 for reimbursement for my homeowner 's insurance premium paid by me on XX/XX/19. Despite repeated letters with all documentation necessary to process my refund, including but not limited to, the homeowners insurance declarations sheet and paid receipt, all I have received are " non-letters '' from Mr. Cooper stating they have received my request and will respond on some future promised date which passes with no consequence. The CFPB just forwards the same letters I have sent Mr. Cooper previously and I just receive another non-letter with another future date, but no resolution and again no consequence. It has been almost four months since I first contacted my mortgage company who is illegally holding my escrow monies.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

EXPERIAN INFORMATION SOLUTIONS is reporting an address on my profile that is not my address. When I, the consumer, contacted EXPERIAN XXXXNFORMATION SOLUTIONS to remove the falsely reporting address, multiple representatives working for EXPERIAN INFORMATION SOLUTIONS refused to remove the address. The reason they gave me is that the falsely reporting address is linked to an account that is reporting fraudulently on my profile. This is willful negligence on EXPERIAN 's part is violating me as the consumer according to FEDERAL LAW. EXPERIAN INFORMATION SOLUTIONS has a duty to report what the consumer reports to EXPERIAN INFORMATION SOLUTIONS. EXPERIAN INFORMATION SOLUTIONS ' reporting of this information not furnished by me is a direct violation of my federal rights. As well, EXPERIAN INFORMATION SOLUTIONS reporting of the said alleged account that is attached is identified as XXXX XXXX XXXX XXXX, a company that I've properly addressed and they've been removed from another credit reporting agency. EXPERIAN INFORMATION SOLUTIONS has already exposed my information in a data breach and now this. I am seeking monetary damages for these two items as the FAIR CREDIT REPORTING ACT PROVIDES. I have given EXPERIAN INFORMATION SOLUTIONS INC more than two times to correct this issue. As well, just earlier this month EXPERIAN INFORMATION SOLUTIONS INC already has a settlement to resolve claims surrounding addresses. Please publish this complaint. I also intend on pursuing EXPERIAN INFORMATION SOLUTIONS via litigation should I not receive remedy in the form of removal of the address they're falsely reporting and the account they're falsely reporting.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 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 15 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 other adverse item of information, other than records of 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 2022-12-29
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. (PA)

I noticed fraudulent accounts on my credit report and I am requesting them blocked immediately. I filled out an Identity theft report and have notified the credit reporting agencies, so this information can be blocked immediately.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had XXXX XXXX loan accounts with the department of education ( Creditor ) XXXX which both are paid in full. I took a look @ my credit report they are both open unpaid accounts but in good standings for payment. So when I contacted the Department of Education I was ask to send in paperwork to ( XXXX creditor ) through the US Department of Education, of receipts, statements or whatever I had to support my claim.I did that. Then I received an email of how much payment I have to pay. Said I was behind after proof I wasn't. Never processed it. Then when I contacted all XXXX credit bureaus, The have sided with the Department of Education they have not taken it off
Consumer complaint received 2021-01-03
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. (GA)

I have sent in several letters to XXXX, equifax, XXXX  and collection accounts. On these dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket #, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. This is willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for a year now and the accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I demand that these accounts be promptly deleted.
Consumer complaint received 2022-12-29
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: SANTANDER HOLDINGS USA, INC. (CO)

XXXX XXXX XXXX XX/XX/XXXX CHRYSLER CAPITAL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX and CHRYSLER CAPITAL has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2024-04-20
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. (GA)

This Complaint is against XXXX XXXX XXXX XXXX for a Fraudulent Credit Inquiry which remains on my TransUnion Credit File. This inquiry has been noted as Fraudulent, and XXXX responds that this Fraudulent has been masked, whereas only certain people can see it. However this is a Fraudulent inquiry, and it was placed on my Credit File by XXXX XXXX XXXX XXXX. I need this Fraudulent Inquiry totally and fully removed from my Credit File, whereas it can no longer be viewed by myself nor anyone else. I had no part of this Fraudulent Inquiry before it was placed on my Credit File.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I received a notice dated XX/XX/2020 that I owed a debt over several accounts in the amount of {$10000.00}. Account # XXXX I contacted TSI [ TSI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ]. I registered that i was disputing this debt. 

I contacted my insurance company ( XXXX ) that was my insurance company at the time of the alleged debts. I spoke with a representative by the name of XXXX ( These communications took place between XX/XX/20 and XX/XX/20, which were recorded. XXXX can produce all, and i give them the right to do so ). 

She looked into my account between the alleged dates of service ( XX/XX/XXXX to XX/XX/XXXX ) and found no record of any claims being filed. There is one claim in the amount of XXXX that may be a legitimate claim. 

She contacted TSI and spoke with XXXX in their insurance department. After 5 attempts she has received no return calls. 

I registered an online account, and found that there is a disparity between the written statement, and what is online. The information they have from the originators has either an incorrect address, or no address. The largest claim of XXXX has no address listed. No entity has been able to produce a record or details of this claim. 

My agent ( XXXX ) has contacted TSI in good faith to resolve the dispute, as the debt is not owed. They have not responded in a timely fashion. This debt should be nulled, it is not my debt, and I was not billed in a timely manner. My insurance company has no record of any claims filed in this timeframe, and it is far past the 180 days required for a health insurance provider to bill them. 

This is a billing error by one or several health care organizations and is not a debt i owe.
Consumer complaint received 2022-12-29
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. (PA)

I sent requests asking Experian to investigate my accounts. It has been over 30 days and the consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian had 30 days to investigate and send me results. 

And they also didnt even record the current status of the disputed information which is another violation. 

They also keep asking for identification that I've already sent to them numerous times, playing games with my requests and causing intentional delay. 

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 2021-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

During the pandemic I was not using any of my credit accounts due to the everything being shut down and a lot of uncertainties and Capital One closed my Saks first due to not using it and also after 2 years of having the card and keeping it current wouldnt increase the limit.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!
Consumer complaint received 2020-02-12
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: Midwest Recovery Systems (OH)

On XX/XX/2020 I received a credit monitoring alert that an account had been placed on my consumer reports from a company I have never heard of or did business with. The company has no address reported on my report, no date when I supposedly opened this account, there is no creditor listed except the collection agency as well as no phone number listed for the company. This is hurting my consumer credit score and I have the right for them to prove this debt is mine before placing it on my consumer report. I want this removed immediately.