davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (OK)

US Bank continues to fail to report payments on my joint mortgage accurately to the credit bureaus. My records indicate at least 3 payments which appear to be missed when in fact they were made to US Bank. My credit report shows a payment was missed in XX/XX/2019 and that is false information. 

Additionally, US Bank is not responding to my questions.
Consumer complaint received 2023-03-16
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. (PA)

Fraudulent accounts appearing on my credit report. 

XXXX XXXX XXXX XXXX  {$620.00} XXXX. XXXX XXXX {$620.00} XXXX. Pa Child Support XXXX {$1100.00} XXXX. XXXX {$1300.00}
Consumer complaint received 2023-05-12
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. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2019-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

In XX/XX/2019 I decided to refinance my home. The process was going smoothly until I noticed there were not enough taxes added to my new estimated payment. I immediately notified my loan agent she ensured me the amounts were correct I had her check twice. I still wasnt confident that the amount was correct I submitted documentation to her, and she assured me again but she said she would have her immediate supervisor contact me. I explained repeatedly that I did not want to be hit with a large payment because they were not collecting enough. The supervisor called me at XXXX on XX/XX/2019 the call lasted 21mins. I was told that the amounts were right, and I was complemented on my knowledge and thoroughness. I was told I was the only one holding up the process at this point and I explained again I dont want to be hit with a large bill because you are not collecting enough money for my escrow account. I was told on a recorded line that the good thing about doing business with them is that they will never sell my loan and will always make it right. I said if it will be made right, I will sign tomorrow. I was assured and immediately made my signing appointment. 

My worst-case scenario came true on XX/XX/2019 when I was sent an email saying my escrow account was negative $ 800+. I immediately called and spoke to a supervisor sent him documentation of correspondence and gave him the phone call information where I was told they would make it right if it was wrong. He called me back a week later and told me I was short {$2500.00} and would need to pay it they did nothing wrong. 

I asked them again to look into it I dont feel like I should have to pay the {$800.00} in arrears because I begged them to get my taxes correct from the beginning. I was told they looked at it correct, but XXXX County Tax assessor doesnt label them correctly, so they were looking at only supplemental taxes. 

I dont think it is fair that they could give me such a misleading payment of $ XXXX/ mo to $ XXXX/mo and now expect me to come up with {$2500.00} to cover taxes they miscalculated. I went through all of this to save {$92.00} a month on a monthly payment and pay them {$2700.00} for doing the loan I dont think so. Somebody messed up and I was assured by the company they would make it right and they are saying they did nothing wrong. I would appreciate any help!
Consumer complaint received 2019-11-27
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. (PA)

XXXX XXXX  improperly reported the following lates XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late,XX/XX/XXXX120 Day Late. Needs to reflect on time payments
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (MD)

Account Name : XXXX XXXX XXXX Account number : XXXX On XX/XX/2022 I sent a letter to Experian and XXXX XXXX XXXX  to validate the debt or resolve and delete it off my credit report. Experian failed to investigate properly and retrieve the information I asked for to validate the debt. 

I asked for the following information and did not receive it. 

1. Proof that I owe the debt and that you have the legal right to collect on it. This could include the original contract from the creditor with a signature or any other documentation from the creditor that proves I owe the debt. 
2. Proof that the debt is still within the statute of limitations and the method you use to make this determination. 
3. A photocopy of the agreement Experian change the status to update to the XXXX XXXX XXXX account without proper investigation and deleting account as they stated in the prior complaint. 

I received a mail from XXXX XXXX XXXX, and they were not able to validate the debt and provide any proof that I owed the debt. Nonetheless they stated that they did not take over the debt and there for can't provide me with any information. 
As they stated I do not owe XXXX XXXX XXXX anything and they should not be reporting anything on my credit report.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (FL)

Unauthorized Credit inquiry XXXX XX/XX/2020 XXXX to the FCRA, a credit bureau is required to respond to the consumer and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I have tried by mail and also phone with no response and lack of effort in assisting with this issue. As a consumer i feel violated and ultimately devalued.
Consumer complaint received 2022-09-13
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. (NY)

I see a XXXX  XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX  XXXX XXXX. Thus the account doesn't not belong to me.
Consumer complaint received 2023-03-15
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. (AL)

I attempted to reach out to Transunion to look into credit reporting on my account, as it shows an inquiry that I do not recognize that was done today XX/XX/XXXX. I do have an inquiry that was done with this company XXXX XXXX XXXX XXXX, but it was done back in XXXX of XXXX. I called the fraud department to dispute this issue. They were not helpful, and per the FDCRA they are to remove any inaccurate information from my credit report, especially if I did not do this. Also, I ask if my information like my address can be updated. They advised they need to ask a few questions to verify me. One of the question ask about an address that I have never lived at. I answer correctly stating I have never lived there, and they said that I failed their verification. This is so frustrating. Please assist.
Consumer complaint received 2019-12-03
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)

To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, XXXX, and TransUnion have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on my report.
Consumer complaint received 2023-03-15
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. (FL)

In accordance with the fair credit reporting act account number XXXX has violated my rights 15 i 15 u.s.c 1681 section 602 A ..state that I have the right to privacy. 15usx. 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
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (IL)

On XX/XX/2021 an account with XXXX XXXX XXXX XXXX XXXX was opened fraudulently. I have strong beliefs my identity has been stolen and used to open this account. I had no knowledge of this account until XX/XX/2021 when my credit took a huge dip on XXXX XXXX due to a collection. ( AARGON COLLECTION AGENCY ) however i never received a letter or phone call or email from them. I contacted them but they insisted they couldn't help me until I gave them my social security number. They said my name and address and phone number weren't enough I didn't feel comfortable so I didn't and hung up. This all feels very unprofessional and shady. I'm not sure what is going on but I know the account was never opened by me and the collection company had no information on me and they want my social security but I dont know if it's safe. And now they want payment on a collection they put out on me when they dont even my information.
Consumer complaint received 2023-03-15
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. (FL)

I have relentlessly tried to fix this issue and for some Ive yet to get a response another response is that theyre unable to find an account for me due to recently obtaining a SSN etc.

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 15USC 1681. 

XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX List of above accounts 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 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management contacted me by phone and by mail numerous times attempting to collect money from me regarding a charged off XXXX XXXX account that I have never had. They have sent me a pre-legal notice on XX/XX/XXXX stating that legal action would be taken against me if I did not pay this accused debt. I responded to the letter asking for debt validation because I did not know who Midland Credit Management was. My letter clearly asks the company to provide me with written validation of a contract between them and I so that I could understand why they were demanding me to pay them, and they did not provide that. They instead sent in one envelope including one letter from MCM dated XX/XX/XXXX stating the company was uncertain of what I was disputing and a second letter from XXXX XXXX  dated XX/XX/XXXX stating that a credit card was cold to MCM. I contacted Midland Credit management via phone on XX/XX/XXXX and explained to them that I did not have a XXXX XXXX  account and they needed to stop reporting the the bureaus that I owed them. They agreed to cease and desist the account but refused to stop reporting to the agency even though they have failed to provide non-generic debt validation.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2023-03-15
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. (MD)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXXXXXX XXXX  # XXXX, Account Name : XXXXXXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2023-03-15
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. (PA)

Fraudulent Account showing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-22
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LAKEVIEW LOAN SERVICING, LLC (AK)

On XX/XX/2021, Lakeview Loan Servicing ( XXXX XXXX XXXX ), without authorization, took {$2000.00} from my Personal Bank account. On XX/XX/2021, the same company took from my bank account the regular authorized monthly payment of {$1500.00}. I discovered the issue on XX/XX/XXXX, and contacted XXXX on XX/XX/2021 so they could refund the unauthorized funds. However they opted to begin an " investigation. '' I spoke to the company last Friday and they instructed me to contact them on XX/XX/XXXX so I could be given the results of their fraud investigation. 

This is the second time the company has taken this action.
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX I was never late on this payment. They accepted my payment then illegally charged it off. You can't legally write off an account and take my money. 

This account must be removed from my credit report or I will have to report this activity to IRS.
Consumer complaint received 2019-12-03
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-08-01
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: EQUIFAX, INC. (TX)

We had some late payment on out account due to the XXXX XXXX Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I, consumer XXXX is holding Ally Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ally Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to Ally numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.