davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
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. (TX)

In accordance with the federal credit reporting act. The list of accounts below have violated my federal protected consumer rights to privacy and considerably under 15 US C 1681. 

XXXX XXXX ; XXXX XXXX XXXX ACCOUNT XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that 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 conviction of crimes, which antedates the report by more than seven years.

15 U.S. C 1681 s-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 calls to believe that the information is inaccurate.
Consumer complaint received 2018-10-09
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. (GA)

I settled this with XXXX XXXX XXXX, XXXX has no right or valid contract, it is against the law to collect money twice ... 

XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX, you can not collect money twice ... 

I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... 

please remove or litigation will follow, this is in violation of F.C.R.A. law
Consumer complaint received 2023-04-17
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-17
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. (GA)

I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.
Consumer complaint received 2022-11-28
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. (TN)

In accordance with the fair credit reporting act XXXX  accounts has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 15 U.S.C1681section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish A account without my written instructions
Consumer complaint received 2023-06-19
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: TD BANK US HOLDING COMPANY (CT)

Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-10-09
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. (CA)

I have disputed the student loan XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Consumer complaint received 2018-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc. (LA)

I have contacted the company several times about validating the debt or to remove the debt from my credit reports if they could not validate the debt. They have removed the debt from my other credit reports but not from my XXXX. I have sent numerous letters for them to remove and they have not.
Consumer complaint received 2021-10-20
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)

There is two collection accounts from XXXX  XXXX  that is being reported to my credit file from XXXX, Experian, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX
Consumer complaint received 2023-03-04
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. (MI)

XXXX XXXX Account XXXX Has reported an accuracy across all three reporting crediting agencies and I am asking to have my one late payment they reported removed immediately. XXXX has already cleared up the discrepancy and removed my account but it is still showing in accurate on XXXX and Transunion.
Consumer complaint received 2017-04-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I have been trying to cancell my PMI insurance With Ocwen and they keep stalling me and making up excuses. Have sent an appraisal, my payment history is excellent, my home is worth more and I have done many improvements. They will not contact me or give me any CLEAR answers.
Consumer complaint received 2024-03-17
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. (TX)

I reached out to the credit bureaus because I am a victim of identity theft and there are accounts that showed up on my credit report that are not my accounts. I filed an identity theft report and notified the FTC of the fraud and sent that as well as other identifying documentation over to the bureaus and they have not responded and have not remove the fraudulent accounts from my reports. I am receiving unsolicited phone calls and mail regarding accounts that are not mine and they are still on my credit reports.
Consumer complaint received 2022-11-28
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: DISCOVER BANK (MN)

I am currently working with a XXXX XXXX XXXX XXXX and working to establish a debt management plan for my Discover Card. My entire balance is sitting at XXXX  % APR. I spoke with their XXXXXXXX XXXX  and XXXX department and they advised that the debt management plan was declined because I have a {$200.00} transaction sitting at XXXX percent. This transaction is found on my statements as ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. This transaction was the result of Discover reversing a double payment that took place on XX/XX/22. The {$200.00} should have been put back to the balance under the regular APR. 

When I've spoken with the XXXXXXXX XXXX and XXXX department they advise me they can not help me with the {$200.00} ACH transfer and that I must speak with Customer Service. Customer Service then tells me that there is nothing sitting at XXXX percent and there is nothing to correct and that my entire balance is at XXXX %. The XXXX XXXX and XXXX department is refusing to assist me with the debt management plan proposal as they have no clue what is going on with the ACH FUNDS TRANSFER REVERSAL dated XX/XX/22. Neither department will speak with the other and they expect me to be the middleman for their company however all they do is bounce me back and forth between the departments. 

I have attached the letter I received from XXXX along with an email from the XXXX XXXX XXXX XXXX I am working with informing me why Discover declined the debt management plan.
Consumer complaint received 2023-03-04
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. (MI)

XXXX XXXX  has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently checked my credit report, and noticed accounts that are not mine. I have never done business with these companies, and have no knowledge of these accounts. I have contacted the credit bureaus, and asked them to immediately remove them from my credit file.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANSUNION, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.
Consumer complaint received 2024-03-17
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. (MD)

I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : XXXX XXXX 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (GA)

I attended XXXX university  school around XXXX. When i attended i used my XXXX XXXX XXXX to pay for school. However the school mislead me by telling me to take out a student loan so i could start school and in return my XXXX  would cover the cost as it should. I stopped attending because of a few issues. 1 this was during the pandemic and 1 class was canceled and 2 the scheduling of the class was wrong. I also apparently had a previous balance from attending XXXX college which now is XXXX university, I attended them back in XXXX for 1 month. Now from what i understand is when i started in XXXX, XXXX university  took my old balance and added it to a new student loan which i never consented to that. In total i owe {$7100.00} to which it states on my credit reports, the issue I have is that i already pay a debt to the US Dept of veterans affairs for the same amount because they paid the school as well as I was scammed into attending with no knowledge of an old balance. I strongly believe that I was taken advantage of due to me being a XXXX XXXX XXXX veteran. I have asked all 3 credit reporting agency 's to investigate as well as remove this fraudulent account on my reports. I have also reached out to XXXX and asked them to remove this and stop trying to collect on this.
Consumer complaint received 2023-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

LoanCare servicing and I spoke on the phone in XXXX about needing to find a new insurance company. I indicated Id received a policy cancellation letter from XXXX XXXX XXXX and asked how much coverage I needed. They said they had received a bill, but would make a note in the account not to pay it. 

In XXXX they cut a check for XXXX XXXX XXXX from my escrow account after cutting a check for XXXX my new insurance provider. When I called they told me it was my problem and I needed to figure it out. 

I contacted XXXX in XXXX and they hadnt received anything. They reached back out to me when they received the check to send it back to LoanCare. I sent confirmation to LoanCare in XXXX that the check was coming via email and was told that they didnt care and were raising my mortgage rate for the next twelve months to cover the money they lost even though they should receive it by end of XXXX.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have been trying to remove portfolio recovery off my account for almost two years through disputing by letters and phone calls. Portfolio deliberately keep updating incorrect information they bought illegally from another company. I donot have or ever had a legal binding contract with portfolio recovery. I reported this numerous times to experian but they kept reporting inaccurate information on my account. I spoke to a representative at XXXX  on XX/XX/2023 and told him portfolio recovery was not on my other credit reports and his response was we dont care that the other credit bureaus dont have portfolio recovery on your profile but this will remain on your credit report because we go by what the creditor is saying very nasty individual who transferred me
Consumer complaint received 2022-11-28
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. (TX)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

This auto loan has been disputed multiple times to no avail. It shows as 120 days past due when it's been over 3 years since the last payment was made. This is a FCRA VIOLATION. I expect this to be removed from my CBR at once.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I mailed a method of verification for several accounts on my credit report for XXXX ( XXXX ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXX/2023 but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Consumer complaint received 2022-10-24
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. (TX)

I never consented to this information being furnished, infringing upon my right to privacy. 


XXXX XXXX XXXX ( CLOSED ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX  XXXX AND ALL INQUIRIES