davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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
Consumer complaint received 2023-08-17
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. (NV)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-08-17
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. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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
Consumer complaint received 2021-03-17
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. (CA)

Only one of the three credit reporting agency 'Transunion '' is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.
Consumer complaint received 2021-03-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (VA)

I had an auto loan a very ling time ago with XXXX XXXX XXXX. The loan went into default & was charged off. It remained on my credit report for 7 years & was then deleted. There was never a collection agency that picked this debt up. Just recently on XX/XX/21, this shows up on my credit report as delinquent & in collections by XXXX XXXX XXXX. I had never heard from these fokks before. I called them & they explained they purchased the debt from XXXX. I advised this was charged off & was already deleted from credit report. They refuse to delete & threatened legal action. I then contacted XXXX. They confirmed they never sold this account to this company. I looked up reviews for XXXX XXXX & I see where they have done this to several others. They dig up old accounts & try to collect on them. They have reported to all 3 credit bureuas and my scores have dropped tremendously. I do not understand how a debt that was deleted from my credit report because it had already been on there 7 years can be added back. Also, I have never ever heard from these people. Seems like a company scheming to get money. I can search for my old credit reports that show the original account. This company needs to show where they purchased this account, show proof they communicated with me, & also show proof of the original creditor. They will not have this info. I need this item rwmoved from my credit report immediately!
Consumer complaint received 2023-08-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-08-17
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. (DC)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-01-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

Caliber Home Loans now owned by XXXX started and denied a home refinance with me. They did not provide a copy of the appraisal done on my home. I have try to get a copy and no one will help.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (WI)

JPMorgan Chase pulled a credit inquiry for an application to a credit card that I did not request on XX/XX/2023. I called them and told them that it was not me who applied for a credit card. They said they would cancel it and suggested some steps to take along with a packet they are sending me. I froze all inquiries to the 3 major credit bureau companies and put on fraud alerts.
Consumer complaint received 2023-08-17
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. (IL)

This is my 2nd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX # XXXX, ILXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/2022
Consumer complaint received 2023-08-17
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. (MD)

This is my 3rd XXXX  to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WI)

XXXX XXXX will report current statement balances to XXXX but does not ( two ) updates on XX/XX/XXXX & XX/XX/XXXX doesnt report same updates to XXXX this report they hold at last update of XX/XX/XXXX which shows a much high % use of credit which is not true. It appears as if they are intentionally trying to make my credit look BAD even though it is in good standing ( just my opinion but that seem to be a illegal act unless this is a truely a an honest mistake, Then think they would correct in less then one Hour. But filed complaint with XXXX a week ago they were requesting a copy of credit report but still shows same as XX/XX/XXXX report unlike XXXX  who they have updated correctly twice sence XX/XX/XXXX report.
Consumer complaint received 2022-10-18
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)

I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  report.
Consumer complaint received 2018-04-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (FL)

In XX/XX/XXXX I was effected financially by Hurricane Irma and asked Franklin American Mortgage if any assistance could be offered. They provided me 3 months of no payments with the intent do a Disaster Loan Modification to move the 3 payments and the interest to end of the loan. 

In late XX/XX/XXXX I started and applied for the Disaster Loan Modification process with Franklin and made a payment for XX/XX/XXXX for {$1800.00}. I was put on an forbearance period of 3 months with a new mortgage trial payment and APR. Originally I was told that XX/XX/XXXX - XX/XX/XXXX was  the trial period and then it changed to XX/XX/XXXX - XX/XX/XXXX. 

Two concerning events happened during XX/XX/XXXX ... first they had on file that I " Accepted '' the trial period terms when I had never have done that because they never contacted me with the new payment information. After learning this, I did accept the updated payment information. Secondly they did not inform me in XX/XX/XXXX when I started this process that my APR would change, had I known that I may have sought out other means to help myself out financially.

I made the first two trial payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. In XX/XX/XXXX I learned ( they again did not tell me this ) that the lien was not in 1st position that there was a judgement lien against my property for another person with a similar name as mine. I worked with Franklin to get the information and went to my local court house to find out that there are no other liens against my property and the legal information Franklin has are simple court orders from previous years dating as far back as XX/XX/XXXX.

I sent them this information on XX/XX/XXXX and requested an Affidavit to help prove that the persons on the legal document are not in fact " me ''. It has been almost three weeks, I have talked to multiple representatives and 3 supervisors all who can not tell me any information about where the " lien not in first position '' issue is at, and if the information that I provided will correct the issue. I am in my last 30 days of the trial period and the modification  request is showing denied for this reason. If Franklin does not have this lien position resolved by then this could severely impact me financially and force me into a foreclosure because of a false red tape / paper work error. 

At this point due to the lack of communication, cooperation and unwillingness to get me answers to help resolve a simple issue, I feel like I am fraudulently being force to foreclose on my property.
Consumer complaint received 2017-08-02
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: EQUIFAX, INC. (IA)

On XXXX XXXX, 2017, Equifax returned an answer that said debt collection owed by my ex belonged to me. This was a total of XXXX collection accounts that showed up on my credit report and their failure to correct is keeping from obtaining credit.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (IL)

I applied for the Chase XXXX via JP Morgan Chase on XX/XX/22. I have credit monitoring, which specifically states to call me if credit is applied for in my name. I never received a call from JP Morgan Chase. Instead, I received a letter stating they was not able to verify my phone and needed to fax them or mail my personal information ( Driver 's License, SSN, Proof of Address, and Phone Number ), and my application is in a pending status. I faxed in my information on or around XX/XX/22. I called on JP Morgan Chase on XX/XX/22 to confirm if my information was received. I was informed it was and placed on hold. Before I was placed on hold, I informed the rep. that my application was in a pending status, so my credit should not be ran again. The rep. returned to the call and informed me I was approved. The rep. provided me with information regarding when I should receive my card and we ended the call. Due to having credit monitoring, I received an alert soon thereafter that my credit report had been ran again my JP Morgan Chase. They placed my application in pending status, due to my phone number not being on my credit report, yet my phone number was on my application. If they need to verify my phone number they should have called the phone number on the application when I initially submitted my application.
Consumer complaint received 2017-05-19
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: ARVEST BANK GROUP, INC. (AR)

My name is  XXXX   XXXX .   XXXX   XXXX    XXXX . I was recently released from  XXXX   XXXX  on  XXXX   XXXX   2016 . Upon running my credit report I discovered several accounts had been opened under my name and social security number. I filled a police report with the  XXXX  Police Deepartment noting the fraudulent activity. I would ask the bank please remove the checking account overdraft charges in the amount of  XXXX  for the account ending in  XXXX . I have contacted  Arvest  Bank.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc. (TX)

The company has been continually harassing me calling me non sto day and night including XXXX and after XXXX. I have asked them tk stop But they wont someone even called once claiming to be an attorney.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

After a hospital stay in XXXX of XXXX I set upon getting affairs in order. 
I spoke with Capital One Customer Service as to what lane I should be in to expedite the deposit of four ( 4 ) Cashiers Chks issued to Me by Capital One all on the same day and sequential numbers, i.e. last three digits being : XXXX. 
They suggested I send each to XXXX XXXX, Mn. The next day i sent # XXXX by usps registered mail and it was posted to my acct within 5days. I repeated that with # XXXX with the same result. Good When I sent # XXXX, it didn't post in 5 nor 7 mor 10days, so I called customer service Several times and informed them it had been signed for by them. It was finally posted on XX/XX/XXXX then Reversed on XX/XX/XXXX. I called cus. ser and nobody knew why. # XXXX is returned to me by Regular mail and marked as " Altered/Fictitious!! Again I call c.s and after arguing with 2 phone reps, I get one woman who says '' Oh, I see what the problem is ''. I'm relieved, but not for long. This woman XXXX instructs me to resend # XXXX as well as my 4th and final check # XXXX, which I did the next day by again, Registered mail. While I'm waiting to see both of these posted to my acct, an overnight XXXX  envelope is handed to me with both checks in side with note telling me Not to try depositing again. 
I am at my wits end with these people ( capital one ) These are 4 Separate Cashiers Checks issued by them/ to me on XX/XX/XXXX ( yes XXXX ). I sent these back separate in case something happened in transit ( mail ). The one lady ( XXXX ) saw the problem as # XXXX & # XXXX being the same amount {$7100.00} even though they are Separate checks. XXXX assured me she would make a note on my account to alleviate any issues when i mailed them back Again on XXXX XXXX. XX/XX/XXXX they were returned to me by XXXX. 
This ongoing back & forth along with being accused of " Altering '' or Rendering a fictitious instrument is not doing anything to help my XXXX XXXX. 
Respectively, XXXX XXXX. XXXX XXXX. XXXX XXXX