davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (IL)

transunion said they couldnt see inquirys on my report are they crazy i see 13 of them look at credit report under inquirys there on there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-04-07
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Action Financial Services, LLC (AR)

Dept of Treasury have not contact me about my student loans, It was in collections I did not received and documents, I have called so many different numbers and no one can not tell me anything, I have gotten approved for financial aid and they took my whole tax refund but can not explain why
Consumer complaint received 2017-11-26
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. (FL)

DateXX/XX/XXXX EXPERIAN In response to ( A NON RESPONSE AFTER OVER 30 DAYS ) Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage switched to nationstar last XX/XX/XXXX from XXXX and now is Mr Cooper. They have my ledger incorrect. I have money missing, and theyre not post my mortgage payments as paid. Ive been trying to close on a refinance for months, as the my new bank is waiting for Mr Cooper to get my payment history corrected. Ive spoke to numerous people without  getting anywhere. Ive escalated it to a Manager, whom seemed to not care. He gave me his callback number, I called four times and left a message without a callback. My ledger is still not correct, and I have absolutely NO idea where they have been putting the money Ive paid them monthly. 

I have copies of personal items, I will share at a later date
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 Transunion Bankruptcy 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.

Also, I have submitted the inaccuracies from XXXX XXXX XXXX
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I received a letter from " Mr. Cooper '', a Nationstar Mortgage company, on XX/XX/XXXX indicating my mortgage is being sold to a new servicer, XXXX XXXX. The letter is dated XX/XX/XXXX with a postmark on the envelope of XX/XX/XXXX. 

The letter states that the new servicer will become effective on XX/XX/XXXX, but also indicates that the law requires the existing servicer to send the notification at least 15 days in advance of the effective date. Based on the postmark, I do n't believe the letter was sent in accordance with the law. The letter was sent 13 days prior to the effective date of the new servicer rather than the 15 days required by law. 

The representative of Mr. Cooper stated there was nothing I could do and that the loan was sold. She expressed regret and tried to explain that the postmark did n't reflect the actual date of when the notice was mailed. However, unless there 's new rules for tracking mail, this explanation does n't make sense. 

I do n't want the loan to be sold to XXXX XXXX given their track record of data breaches and opening false accounts on behalf of their customers.
Consumer complaint received 2023-05-05
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. (TX)

I've contacted self multiple times I can never get the fraud department on the phone to even begin to handle this claim. this is not my credit builder account I've never used my my credit until now. My wallet was stolen & i had multiple accounts & I've had bills put in my name in city I've never lived in credit cards & loans all under my name using my info. I have proof of where I was living at the time this account with self was open. I have no knowledge of this company or never inquired for they service. All the accounts that were open around that time was not verified so how is self verifying I keep asking for proof of the investigation yet still nothing they are not responding. Ive asked for proof of the investigation plenty of time & was told at first I was not entitled to then it was they don't have it they just keeps coming up with excuses they saying they've been contacting me so I asked what number & email it wasn't even my phone number or email. they continue to hang up in my face I've provided everything they are committing violation violation violation all the inaccurate credit reporting is messing with my health. I HAVE DOCUMENTS BELOW MY DL OF MY HOME WHERE I WAS LIVING A BILL A POLICE REPORT ID AFFIDAVIT ALONG WITH IN THE INACCURATE CREDIT REPORTING. I
Consumer complaint received 2023-01-17
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-11-26
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. (GA)

I have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
Consumer complaint received 2023-06-05
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXXdit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (NV)

Ive been with Credit Karma for years now. Im so happy to know that Im not the only person that was tricked into applying for a credit card that they knew I wouldnt get approved for. This has happened on more than occasions. I havent applied for anything through them in a a while because I know that wont be approved. Im not sure how they are still in business because nothing on the website gives accurate information.
Consumer complaint received 2023-06-05
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)

I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXXXXXX XXXX XXXX. In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.
Consumer complaint received 2023-06-05
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. (MS)

The credit bureau didnt provide the documents supporting accounts with XXXX, XXXX, XXXX, and XXXX. Also didnt provide documents of late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Also didnt provide proof accounts belong to me also.
Consumer complaint received 2023-07-25
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. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/ ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My mortgage was recently acquired by a new mortgage provider. I paid my mortgage payment due on XXXX/XXXX/XXXX on XXXX/XXXX/XXXX for {$980.00} to Mr. Cooper. On XXXX/XXXX/XXXX a draft for {$1000.00} was taken from my bank account, leaving my account negative. I transferred cash to cover the balance, but it was cash I need for other bills. I sent a message to Mr. Cooper that I did not intend to make XXXX payments on my account within that timeframe. Their response was that I need to supply documentation from my bank and they would respond within 7-10 business days. Their website shows the two payments so I do not understand why I need to provide documentation. I want the 2nd payment stopped. I have not asked for any fees to be reimbursed, because if they would rescind the 2nd draft there would not be any fees associated.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-05-16
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
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. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX : {$390.00}
Consumer complaint received 2018-01-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MD)

In XX/XX/XXXX I was placed in a loan modification program wit Mr. Cooper Mortgage because I had missed one payment. I had to make 3 payments in a row. That was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made XX/XX/XXXX and XX/XX/XXXX payments. When I attempted to make XX/XX/XXXX payment on the XX/XX/XXXX, I was not allowed to. When I called in at XXXX XXXX EST, I was told, via the automated phone service operator, the mortgage company was closed. I went on the website and sent an email stating that I was trying to make a payment and was not allowed to. I received a confirmation email stating that my email was received. I called back the next day and made the payment with a customer service representative. He stated that because I was in a modification program they route my phone calls to another department It was XX/XX/XXXX. I never received anything back from the company regarding my loan modification. It is now XX/XX/XXXX. I am attempting to make a payment and once again I m being  told they are closed. This time I emailed the CSR from prior and asked her to help me make my payments. She responded back that she would, but I never received any help. On the XX/XX/XXXX I get a letter stating I am 4 mortgage payments behind. I am only 1 payment behind, which I am attempting to pay now. I still can not get through on the phone. It still says they are closed and It is XXXX XXXX EST.