davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I sent an investigation request by mail to TRANSUNION, XXXX and XXXX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to TRANSUNION, XXXX and XXXX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
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
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

late payments inaccurate was suppose to be in deferment status. 
XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF EDXXXX XX/XX/2018 DEPT OF ED/XXXX XX/XX/2018 DEPT OF ED/XXXX XXXXXX/XX/2018 DEPT OF ED/XXXX  XX/XX/2018 DEPT OF ED/XXXX
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DC)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.
Consumer complaint received 2020-01-17
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. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I purchased a leased vehicle in XX/XX/2020 and after i got home the car would not come out of park. i called the company XXXX XXXX XXXX address XXXX XXXX XXXX XXXX tn XXXX and they sent me to a mechanic in XXXX XXXX and he said he could not fix it but he told me there was a hole next to my gear to where they had been sticking a strew driver in there to make the gear come out of park and he gave me a strew driver to use until i could find a repair shop. so i called XXXX XXXX again and they sent me to a mechanics in XXXX, ms called XXXX XXXX XXXX and i took a chance driving it there and was trailed by my fiance. so in XX/XX/2020 took it to XXXX XXXX XXXX and left it there it took so long to fix almost 3 weeks and there was also other issues lots of wind sounds in car loud noise and not able to keep it in the road. so i decided i didnt want to take a chance on a car with all those issues so i made and agreement with the company when i spoke with XXXX to get the car from shop and they would not put the car balance on my credit and do a unwind and take it off my acccount. but 3 months later they called me and said that i had damaged the front of the car it had a lot of starches and i was really upset about that cause i had not even driven the car anywhere but the shop. XXXX XXXX stated that the towing company that picked the car up said it had damaged to it when they picked it up which it was no damaged when i took it to the shop. i called the shop on XXXX XX/XX/XXXX and they stated that XXXX XXXX let the car sit here 3 weeks before picking it up and the shop stated that if any damage occured it was when the tow company picked it up. so i never even knew of any damages they claiming until 3 months later. they never showed me pictures or even wrote me a letter. i think they claiming i damaged the car cause i was insisting they take the balance off my credit and they keep telling me they was gon na fix it until 3 months later coming up with damages to the car i suppose to have did. XXXX XXXX XXXX said that XXXX XXXX can call them and they will verify that the car was not damaged when i took it there and when i told XXXX XXXX what XXXX XXXX XXXX said they told me to just get my lawyer and to have my lawyer call their lawyer because they was not gon na take the balance off the account and they wont even say where the car is i never even took possession of car from the shop and they expect me to pay XXXX dollars for a car i dont even have possession of.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

I did a mobile deposit on XX/XX/2022 and it was for {$2000.00} from a XXXX XXXXXXXX  XXXX  I signed up for online. I was told it would be available on the XXXX  and when I went to check my account to see how much money I had available not including the deposit I made, my account was locked online and I have had no access to my direct deposit from social security or any other money. I went in person on XX/XX/XXXX to the XXXX XXXX XXXX Key bank XXXXXXXX and sat down with the Bank manager and she verified my identity and took copies of everything that I had for the mobile deposit I made. I have been locked out of my account for almost two weeks now. The bank manager told me since I went in there and showed ID in person it would expedite the process. I have called several times since I went in and they have no information and said I have to go into the XXXX XXXX branch in person because they are the only ones who can un freeze my account.
Consumer complaint received 2022-12-25
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. (AZ)

Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, Equifax and XXXX. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties. 

These are clear violations of my federally protected consumer rights. 

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-12-25
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. (TX)

The credit Bureaus are reporting an inaccurate charge-off account from XXXX. The account has been paid off this account has been settled and needs to be removed from my account expeditiously.
Consumer complaint received 2020-03-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THIS INDIVIDUAL TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2021-02-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I am currently under a Covid Plan with my mortgage. I made 5 {$1000.00} and 1 {$500.00} payment. I was informed the payments would be applied towards my mortgage payment and the rest to a suspense balance. This hasnt been the case, they have applied them to late fees and elsewhere. I have contacted them over 20x and I keep getting the run around that theyll correct the payments. I lost my job and have been dealing with unemployment delays and my household was impacted by the virus itself. Please help! And my monthly payments are around {$850.00}.
Consumer complaint received 2022-12-25
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. (AZ)

Hello I sent a letter on XX/XX/2022 to the 3 Credit Bureaus : XXXX, XXXX and Transunion. The letter was sent via USPS Certified mail and the tracking number is XXXX XXXX XXXX XXXX XXXX XXXX I asked them to remove my personal information that is inaccurate on my credit report. They have multiple old addresses on file that do not belong to me as I do not live there. 

According to the fair credit reporting act 12 USC 1681, I have the right to privacy and also according to 15 USC 6802, no financial institution is supposed to share my information with third parties.

These are clear violations of my federally protected consumer rights.

I have attached the letter I sent them as well as proof of identification and proof of my current address. I have also attached my identity theft report.
Consumer complaint received 2020-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NY)

In 2019 I opened a cell phone contract with XXXX XXXX XXXX. A few months later, I decided to upgrade my phone early in the XXXX XXXX. I traded in my phone and the upgrade was complete. I got my next bill and it was about double what the bill typically should have been. I also noticed there was an additional line on my account. I called XXXX XXXX XXXX and was told that the representative in XXXX signed me up for a buy one get one deal, so I was being charged for 2 phones and 2 lines of service although I only had one. I asked what could be done to fix it, and I was told to return the phone that I had gotten in XXXX  and the contract would be cancelled, and I would be charged nothing additional. I returned the phone, and XXXX XXXX XXXX claims that the return isnt reflected being reported by XXXX even though I have provided XXXX XXXX XXXX the return receipt, they need the return to be reported by XXXX. I had gone to the XXXX  store, and the manager on duty spoke to a manager at XXXX XXXX XXXX. Neither business wants to adjust my bill, they agree that I shouldnt be penalized for the mistakes made at XXXX, but XXXX XXXX XXXX refuses to waive my bill. They are billing me for a phone that was returned to XXXX as well as services for an additional line that never existed. I am outraged and disgusted by XXXX XXXX XXXX. Theyre ruining my credit as a result of something that is absolutely not my fault.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 accounts ( A ). It is not permitted to report these accounts 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
Consumer complaint received 2023-01-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-03-03
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: EQUIFAX, INC. (GA)

I went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to the car dealership to trade my car in and approved with a high interest rate. I look at my credit and still see accounts on there that are not mine. Can you please take this stuff off my credit US Dept of Ed, USDOE XXXX and XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2024-03-18
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. (VA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX 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 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

In XX/XX/2016, I traded my XXXX for a new vehicle. The account was in good standing and completely paid off. The account has shown closed and paid in full as of XX/XX/2016 on all three credit reports since then. A few months ago, my Equifax monitoring alerted me for delinquent reporting. When I looked, it was the XXXX XXXX reporting a 30-day lay for XX/XX/2016. I have tried to get this corrected several times already to no avail. At this point, I am ready to escalate if needed. This is starting to create issues and question my creditworthiness and integrity. I have been denied for business credit, and personal credit limits decreased significantly siting delinquency. I was never late with this account, and I find it ridiculous that this randomly appeared on my credit report 6 YEARS AFTER THE ACCOUNT WAS CLOSED.
Consumer complaint received 2022-11-27
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. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NJ)

Agreement was GreenSky ( GS ) would NOT pay the contractor, XXXX XXXX, until verification of completion of services. However, the job was never completed. The contractor disappeared mid-job ( I later found out that was shortly after GS paid the contractor in full ) until they received the letter from my lawyer of the lawsuit on breach of contract etc. 
We are currently in litigation with Contractor for breach of contract. We're trying to resolve this, but in the mean time GS is reporting delinquency and adding interest to the account. I have excellent track record of paying all jobs that I contracted for, such as the new roof job, done, then paid in full. Home generator installed per code, paid in full. This job with XXXX  is a disaster per experts. This wasn't even done per code and above all they stopped the work once GS paid them prematurely.