davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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. (CA)

IN A PAST I HAVE BEEN A VICTIM OF IDENTITY THEFT AND MY PERSONAL INFORMAITON WAS USED TO OBTAIN CREDIT AND SERVICES WITHOUT MY CONCENT. I HAVE CONTACTED THESE CREDITORS AND SENT THEM AN IDENTITY THEFT REPORT REGARDING THIS MATTER. THESE CREDITORS AGREED TO DELETE THEIR INFORAMTION FROM MY REPORT BECAUSE IT WAS OPENED UNDER FRAUDULENT ADDRESS AND EMPLOYMENT. WITH THE SAME INFORMATION I HAVE CONTACTED THE CREDIT BUREAU BUT THEY ARE REFUSING TO REMOVE THESE FRAUDULENT ACCOUNT FROM MY REPORT. THERE ARE THREE ACCOUNTS WHICH ARE FRAUD RELATED AND BECAUSE THIS FRAUDULENT INFORAMTION I AM NOT ABLE TO OBTAIN MY STUDENT LOAN TO CONTINUE MY EDUCATION. PLEASE HELP.
Consumer complaint received 2022-10-29
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)

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. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX 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.XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am personally sending this request of re-investigation of my accounts. I have no connection to any credit monitoring companies nor any third party is involved in this process. 
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX XXXX Balance {$42000.00} XXXX XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$800.00}
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (FL)

On XX/XX/2019, XXXX XXXX XXXX  XXXX  put debt on my credit, I never received a letter to clear it up, I have never seen what the charges are for, I tried to contact CAPSTONE CREDIT & COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX. I was employed with XXXX  XXXX  and nobody will get back to me. The property manager is awful, I should have pressed charges against her when she threw a file at me and then XXXX  me. 


I have tried over and over to contact and make a deal with them and nobody will work with me, I am a single mother and do not have much money to spare at all, I really need help with these 2 companies XXXX XXXX, XXXX  XXXX  XXXX  XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2023-07-15
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-02-09
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (GA)

I have paid for a XXXX XXXX XXXX and it was done on XX/XX/XXXX. I have yet to receive the XXXX report to date. I have called and emailed Stockton Mortgage Corporation and XXXX XXXX  XXXX, to have my PMI removed via this report. I contacted the person who did my report ( XX/XX/XXXX ) and by law, they said they can not give it to me, they gave me the company who hired him, XXXX XXXX. I called XXXX XXXX and the representative says my XXXX was don't but they also are not allowed to give it to me but told me the report was sent and delivered earlier in the month. They wouldn't give me the exact date but said it was delivered after multiple attempts. I found out that my mortgage was sold ( XX/XX/XXXX ) after months of trying to get my PMI removed, started the process in XXXX.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

Around XX/XX/2021 I opened a PayPal account to sell XXXX XXXX on another outlet other than only XXXX. On XX/XX/2021 at XXXX XXXX  I received an email from Paypal stating that I could no longer use Paypal because I violated the acceptable use policy. I called them on XX/XX/2021 regarding that issue asking for an explanation as to what part of the acceptable use policy I violated. The customer service representative could not give me any explanation, stating how I'm supposed to get a call or email within 24 hours regarding the issue, and how after 180 days I will receive my funds. I waited until the XXXX, over 24 hours, and did not get an email or call so I called them back. I spoke with a customer service representative who told me nothing can be done and that my account will remain limited, also not telling me what I did wrong to violate the acceptable use policy. I repeatedly asked to speak to a supervisor about the issue until I was transferred. The supervisor repeated the same thing that the customer service representative did. I asked to speak to a manager or someone above him about my issue. He refused repeatedly, stating that they wont do anything and will tell me the same information. After back & forth for a while he finally transferred me to a manager. I mentioned about filing a complaint if my issue is not resolved or if I'm not told what I had violated. They opened a ticket on my behalf to re-evaluate my account and told me they would get back to me within 24 hours. Two days later, XX/XX/XXXX, I hadn't received an email regarding my ticket being opened or looked at, so I called again. The representative told me that the team who works on that issue isn't open on weekends so I should hear back some time on Monday. Today, Monday, XX/XX/XXXX, I receive an email exactly XXXX XXXX, 23 minutes after its technically " Monday '', that my account will remain limited due to an Acceptable Use Policy violation. They still had not told me what I did incorrectly to violate their policy. I call them back today, the XXXX, regarding this and told them about how I will be filing a complaint so they're aware, because I know I have not violated the policy or been told what they think I've done. I told them what I use my Paypal for ( selling XXXX XXXX  ), as well as they had asked if I had another account. I told them I used to use an account with my girlfriend where I sold the same items occasionally, and had made this single account because I wanted it under my business name, as well as I didn't want my girlfriends account to reach the selling threshold that would make her receive a 1099k under her legal name, for sales that were not hers.
Consumer complaint received 2021-10-25
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. (MI)

I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/2021 to equifax in regards to inaccurate accounts with XXXX XXXX XXXX and the bureaus i have no business with these companies and have no idea how they even have any of my personal information. These accounts is listed as an account buyer which is illegal. So my information was clearly stolen and retrieved somehow by this company. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Equifax is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

Our XXXX XXXX has been wiring money to XXXX and XXXX XXXX since XX/XX/XXXX. This has been done through my account with XXXX XXXX. In the past year, XXXX XXXX began placing our transactions on hold until I answered many questions to prove I had a legitimate purpose for these transactions. This happened on three consecutive transactions, and then I was able to continue these transfers without interruption for several months. Now, suddenly, my transactions are being denied altogether, and I have been unsuccessful in even discussing the situation with someone at XXXX XXXX, let alone receiving any communication from them as to the reason. I was given an email address at XXXX XXXX to forward my complaint to, but it has now been two weeks since they confirmed receipt of my email and nothing has happened. 

I provided them with our IRS letter of determination and a description of what our ministry does. There are churches in XXXX that are dependent on our contributions for both living and worshipping. 

Please help us!
Consumer complaint received 2020-12-30
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)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2022-10-29
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. (FL)

i got a notification from XXXX XXXX XXXX  that their had been a hard inquiry credit pull from XXXX XXXX XXXX. i tried contacting XXXX but my call kept getting routed to XXXX. i tried contacting equidad online and on the phone to file the dispute they would not investigate
Consumer complaint received 2021-10-25
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: AmeriHome Mortgage Company, LLC (NJ)

To whom it may concern : Amerihome Mortgage - FHA Loan number XXXX XXXX XXXX social security number XXXX I am having a huge issue with AMERIHOME LLC mortgage company, they have been reporting to the Credit Bureau for almost two years even know I am in forberance due to COVID 19. I am trying to get back to make payments but I can not refinance, nor modify loans, my credit score is XXXX. 
I have tried to fix this directly with them throughout this time/numerous times with no luck. Everytime I call they add this information to their system, they have notes on my account but for some reason every month I been reported to the credit bureau. 

If someone can please have a serious talk to this company please. I need help I have XXXX kids can not take out loans for the forberance balance. I can not loose my house due to this issue. 

Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.
Consumer complaint received 2021-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I have been scammed and I contacted the citibank to get my money back. However they said it was proven that I willingly gave the money. I understand that I willingly gave the money but I was scammed so I wish to put the stop on these fraudulent charges
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX. 

Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX. 

I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX. 

I never received a notice. I never received a call. No communication was made. 
i have tried to contact them and they have not responded in any manner. 
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.
Consumer complaint received 2021-10-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.
Consumer complaint received 2019-09-23
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. (PA)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (AR)

I recently paid my entire balance off with Comenity Bank XXXX after I started the hardship plan due to losing my job during the pandemic and the bank is STILL holding my funds after I asked a CSR Would my funds be available and will I be able to utilize my card? They said yes and that was a farce! I made the payment on XX/XX/2021 and called and spoke with a representative on XX/XX/2021 and thats when I was told that the funds would be released after the payment had posted. I checked my financial institution balance and it showed the deduction had taken place for Comenity Bank and the payment had posted on Comenity Banks end as well. A call was made on XX/XX/2021 about the reasoning behind my funds not being released and the CSR at Comenity told me that The payment was made after the closing date so Ill have to wait a month I then informed them that I spoke with a representative who relayed to me that once the balance was satisfied I would have access to my funds. The representative I spoke with on XX/XX/2021 stated that the information provided to me prior was incorrect. Im now being penalized for something I had no knowledge of and when I asked if this could or would happen I was told No it wouldnt. This is very unacceptable especially when youve come out of a financial downfall and youre trying to satisfy all your debts!
Consumer complaint received 2018-06-28
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. (TN)

All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, XXXX  ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-10-25
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: LEXISNEXIS (VA)

LexisNexis is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, Lexis Nexis stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide LexisNexis this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp LexisNexis along with my Identity Theft Affidavit. The company has not responded. to my complaint