davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (GA)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization. I did not obtain any goods, service, or money from transactions. I have also attached a copy of those items to an individual letter which I will mail to you. I am also sending a copy of this filing to each credit reporting agency.I did not do business with the following companies. Accounts as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with this company. According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission.My information was used without my knowledge or authorization.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-15
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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-11-19
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. (CA)

I currently have a loan with XXXX XXXX, XXXX XXXX car Company. The payments are $ XXXX monthly by XXXX. In XX/XX/2019 I notified XXXX XXXX I was changing banks from XXXX XXXX  to XXXX XXXX. I filled out the form well in advance and submitted it. The form stated that the new account would not be active for 14 days. To cover the automatic payments my previous XXXX account was left open with sufficient funds for over 90 days to allow my original XXXX to continue until the new XXXX became active. Without notification, XXXX XXXX  canceled my original XXXX  and did not notify me for several weeks, by mail. Upon receiving this notification I immediately called XXXX XXXX and brought the payments up-to-date. They waived the late charges and still reported a late payment in XX/XX/2019 to all three credit reporting agencies even though my original XXXX account was still valid. They did not notify me they were going to cancel my original XXXX and that I should make payments through another means until the new XXXX was active. I have called them and wrote them letters. Their response was once they report a late pay they will not reverse it. I contend I did not cause this late pay. It was caused by a flaw in their systems communication. I would like this late pay removed from all three credit reporting agencies.
Consumer complaint received 2020-10-06
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: Experian Information Solutions Inc. (NY)

After

purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax 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 2019-12-23
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)

The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS XXXX This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Yes this collection company keep putting derogatory credit on my report for XXXX. I never had of XXXX account and they know this. I have for proof of identification use to open this account and ask XXXX to investigate and they havent did anything. But said this debt will stay on my credit. They need remove this from my credit with out proof who did this and block collection company for putting anything on my credit report. I will seeking attorney to sue XXXX and this collection company. I have credit monitoring on my credit and it seems not to be working or they just dont care. I just received of sellment check just for this same thing. And see they are back at it again not protecting my information and allowing collection company do whatever they want without proof of person owe if debt.
Consumer complaint received 2023-01-23
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00}.
Consumer complaint received 2021-09-28
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: Porania, LLC (NY)

thes accounts are not mine. please remove it. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

". Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2019-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (MO)

I received a notice that my mortgage note and the servicing has been transferred to a new company. The notice was received on XX/XX/2019 and post marked on XX/XX/2019. This is not sufficient time according to XXXX. The company that has failed compliance is New American Funding.
Consumer complaint received 2021-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (IL)

This morning XX/XX/2021 I woke up to a loan taken in the moneylion app and my payday loan maxed out. I was signed up for a monthly subscription and can not cancel until I pay off the fraudulent loan. I called customer service and they changed my email and phone number but now I can not log into the account.
Consumer complaint received 2024-10-15
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX 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 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (TX)

XX/XX/XXXX XXXX incorrectly listed my name as XXXX XXXX XXXX, deceased. I discovered this via XXXX XXXX. It showed that Selene Finance reported the deceased status. 
I contacted XXXX approximately XX/XX/XXXX and was told they corrected the issue- the next day my report on. XXXX was reinstated. XX/XX/XXXX my status was again deceased via XXXX. 
XX/XX/XXXX all XXXX bureaus list me as deceased. XXXX is the only bureau with the incorrect name.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (TX)

On XX/XX/XXXX, I transferred {$1000.00} from my XXXX ( XXXX XXXX ) account into my Credit Karma Save account. After a few days, ( around XX/XX/XXXX ) I reached out to find out why my funds werent received. I was informed it takes about 7-10 business for everything to clear. Around the the XXXX of XXXX the funds had still not been received so I contacted my XXXX XXXX and filed a dispute for the missing ACH transfer. They begin an investigation and credit my {$1000.00} back to my account. Then on the XXXX and XXXX of XXXX, I was informed from Credit Karma that my account ( Spend & Save account ) had been locked despite the issue being resolved when XXXX contacted them due to their investigation. After a series of phone calls and emails to the member support team, I was unable to actually speak to any department who was able to help shed light as to why the account was locked or even a time frame to resolve the issue as these funds are for emergency purposes. Any call resulted in dismissal to the issue and was refused multiple times to speak with a supervisor or anyone from management. The answer given was just that this will be escalated to a higher team, please be on the lookout for an email which after I was requested to submit my government license and XXXX  statement almost TWO WEEKS AGO, there has been no correspondence from anyone at this supposed higher escalation team. As a last resort I contacted the partner bank ( XXXX ) as they are partnering with Credit Karma and just this morning I received an email saying that yet again my case was submitted to Credit Karma member support team. Its extremely frustrating to not have anyone to help resolve this issue especially when its your funds being withheld without proper explanation and the constant dismissal is appalling!
Consumer complaint received 2019-12-23
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. (TX)

The account below is not mines. i have submitted a dispute to the Attorney General of the State of MS . This company has never contacted me at all. By right I have 30 days to dispute this debt once I have received notification of debt. This company has not done nothing but post wrong information on my report. 

XXXX XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : 08 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (OH)

I have checked my TRANSUNION credit report in XXXX noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) 3, TRANSUNION assumed this role without permission not only that, they did not have my consent. TRANSUNION did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. TRANSUNION did not exercise their grave responsibility & were unfair. I have already taken the liberty to file this CFPB report and I will file attorney general 's complaint if these accounts aren't removed. TRANSUNION never had a permissible purpose Under 1681b ( a ) 2. I never instructed TRANSUNION to furnish this report and I never consented to this report in the first place. The XXXX fraudulent accounts are A card with XXXX XXXX For the amount of XXXX AND In XX/XX/XXXX, a fraudulent collection account with XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX OHIO was placed on my profile for the amount of XXXX. I do not have ANY UTILITY BILLS-ACCOUNTS IN MY NAME AS I DO NOT HAVE MY OWN HOUSE, I stay with my mother on XXXX XXXX. I have not done business with either company and These XXXX accounts needs to be deleted off of my credit. I am attaching my etc report, the letter I sent TRANSUNION and my proof of identity.
Consumer complaint received 2022-10-06
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. (AR)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All has clearly 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (ME)

On XX/XX/XXXX, Monday. I called Citi, XXXX, on current statement ( bill due XX/XX/XXXX ) to make a payment. I have used the automatic system throughout the history of this card ( member since XXXX ) ; on statement ). I had made consistent payment and NO late payments. The automatic system could not find my account through phone verification ( this is the first account with CITI ), full cc #, full social security, partial SS #, bank account numbers and actual card number connected to this account. I USED touched tone and voice able. It connected me to a rep outside USA, and she tried to verify using the above, using my phone XXXX, another phone number for text " code '', security question, address. Rep stated she could not verify the account. I asked to speak to a supervisor in the USA and she stated it take a long time for a USA rep to be connected and I said connect me anyway. I got connected to the USA sup and she tried the same thing as above. No attempts were made to update phone number ( old number on file ), no attempts were made to update security questions on their ends. USA rep sup told me the last rep stated she send a letter with a verification code and I am to call back with this code. I TOLD her she never sent a letter nor told me about the letter and to listen to the recordings. I REQUESTED RECORDINGS of ALL ANY CONVERSATIONS, Still have not received and I REQUESTED NO LATE FEE ON MY ACCOUNT and the first rep and sup stated because we can not verify the account that is not possible. I REQUESTED THIS TO BE NOTED ON MY ACCOUNT. What is interesting to me is the system had no issue pulling up a NEW ACCOUNT, paid in FULL. This is the FIRST TIME I have ever experienced this and I have bank statements showing payment. This is unethical, demeaning, and horrible customer service USA  and outsource.
Consumer complaint received 2019-12-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/2019 I submitted a credit bureau dispute online with Transunion. In XXXX ( around the XXXX ) I logged in to check the status and it showed investigation was complete and that I would receive the results of the investigation. On XX/XX/XXXX I had still not received the results so I logged back in to Transunion and it is showing as investigation cancelled. I contacted them and they are unable to tell me why it was cancelled or offer anything except for that I would have to refile the dispute. This was already my 3rd attemt at refiling the dispute. Under the FCRA I want this information removed from my report. They have not complied with the requirements of FCRA in regards to timeliness of investigation, notice of results, or anything else.
Consumer complaint received 2023-01-16
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. (VA)

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 2019-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

I noticed a collection was added to my XXXX  account from Common Wealth in the amount of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX. 
But there is another collection agency currently reporting and trying to collect on this same account. To my knowledge, it is illegal for two collection agencies to collect on the same debt. 

Commonwealth has NEVER sent me a dunning letter or provided any proof that they are legally able to collect on this debt or that it is accurate.