davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (OK)

Below is attached copies of information sent to Transunion. This information was sent on XX/XX/2023 to update my personal PRIVATE information on my consumer report that was ILLEGALLY obtained and released by TransUnion, LLC. TransUnion, LLC has not updated my information. TransUnion has not responded to my request. TransUnion is in violation of the law. This has negatively impacted my life, finances, and family. TransUnion thinks they are above the law. TransUnion is NOT being FAIR AND EQUITABLE to me the consumer.
Consumer complaint received 2023-02-03
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. (TX)

Hi, I sent your company a dispute letter last month, XXXX XXXX, 2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

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

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 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am currently in a processing with the California Mortgage Relief Program and I am a qualify candidate that they can help me with my delinquencies but my mortgage servicer is refuse to assist with this program. Please help me connect with them to resolve this issue to save my only home.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I currently have my direct deposit sent to XXXX XXXX  out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported 2 months and stop they said it the credit bureaus not reporting my payment XXXX XXXX XXXX not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX XXXX  and other major issues and. Me tying to fix my credit is stressful
Consumer complaint received 2022-09-30
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. (KY)

XXXX {$2000.00} XX/XX/XXXX XXXX {$340.00} XX/XX/XXXX XXXX {$2500.00} XX/XX/XXXX XXXX {$2100.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$120.00} XX/XX/XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX My social security : XXXX All of these accounts I have reached out to the company to get them resolved I disputed them and they have never taken them off even the close accounts they won't even take off and it's hurting my credit score tremendously
Consumer complaint received 2022-09-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo is reporting a debt on my credit file that I do not owe. I recently took a look at my husbands credit file as well as mine and noticed this debt. I never received any notices, calls or letters regarding said debt. This is a violation of my 30 day right to dispute which violates my rights under the FCRA and the FDCPA. Not only that, this debt is very old and is past the statute of limitations in Wyoming. This is also past the credit reporting limit. Please remove otherwise we will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried many times to get TransUnion Credit Bureau to remove a collection from my TransUnion credit report. They continue to have a XXXX XXXXXXXX XXXX XXXXXXXX collections on my credit report that XXXX XXXX admitted to was an error. I contacted the XXXX XXXX XXXX and they had XXXX XXXX contact TransUnion to updated and remove the information from my credit report ( twice ). But TransUnion Credit Bureau refuses to remove the inaccurate information. And has not given me a reason of why when I did dispute the collections. TransUnion would not tell me what the letters stated from XXXX XXXX to remove the information for my credit report said. 
This has caused a tremendous effect on my credit that was prefect before this. I have never missed any payments and have had credited for over 22 years. I am a XXXX  in XXXX  XXXX  and this matter is causing me great stress because I have been going back and forth with TransUnion since 2022 of last year. Please help me with a solution to this matter.
Consumer complaint received 2020-01-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery (MN)

Regarding Federal Student Loan. In XX/XX/XXXX, the US Dept of Education told me if I paid {$350.00} per month for 18 straight months, the penalties and some of the interest would be removed from what I owe. I complied with the request and when the 18 months was up, I found there was nothing removed from the interest or penalties. I called them on the phone and they sold the loan said they sold the loan. I called the new loan servicer who stated " That has nothing to do with us. '' I was totally at a road block. Many things happened in my life that have been very hard to take on but then I started a job 13 years ago at XXXX. For the last several years, Immediate Recovery has been garnishing my checks for {$530.00} per month and if there are  three pay periods, {$790.00}. I have been late on mortgage since the garnishment and have contacted ICR several times trying to take it out of default as it still accrues interest all the time. Also they have my tax returns. Out of an {$8000.00} loan, I have paid approximately XXXX and still owe {$30000.00} which will continue to grow.I am not married, am by myself and feel there is no way out of this. They asked if I could pay lump sum of {$26000.00} which I can not do.
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: REGIONS FINANCIAL CORPORATION (TN)

Background - I refinanced my home loan and paid off debt with the equity. One of those debtors was a regions credit card ( {$7900.00} ). XXXX XXXX pre-printed the checks they inadvertently wrote regions ' check for {$7900.00} which was XXXX XXXX cents short. 
On XXXX XX/XX/XXXX I made a pre-written check payment ( through XXXX XXXX ) to my delinquent credit card account. I made the payment at the drive-thru window at my local Regions bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX ). I did not follow-up until today ( XXXX XX/XX/XXXX ) as I assumed if there were issues I would have been notified. There was no notification neither from XXXXXXXX XXXX  nor Regions. 
On XXXX XX/XX/XXXX I called the " charge-off '' department of regions to inquire about the delinquent account. I was anxious and upset. I informed the regions representative as such. I maintained my composure however, the moment I stated my frustration seemed to trigger, from then on, a very negative condescending and authoritarian attitude. The bottom line was the payment was {$.00} short. 
This is the issue. Regions took my money from XXXX XXXX and deposited it. Where it was deposited I do not know, it was not applied to my delinquent account ( per account statements as of this date XXXX ). It was not returned as insufficient payment, I have receipts for the processed check and the teller deposit, dated & timed. The account shows {$7900.00} delinquent. That means they most assuredly made interest from that money. After three months of holding my money they should credit the XXXX  cents and write me a check for the balance of the interest from {$7900.00} for three months.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (IL)

I recently found two collection accounts and a auto loan that i am not familiar with and was open without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like for these accounts to be removed asap.
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (AL)

Was sent to Franklin Collections in XXXX of XXXX for a medical bill of {$830.00} from XXXX XXXX XXXX XXXX. This bill was paid off by XXXX XXXX XXXX XXXX of Michigan medical insurance also in XXXX of XXXX.When I called the company to address this issue they stated my account balance had XXXX  out yet the collection was sent again in XXXX of XXXX. I sent Explanation of Benefits to the credit bureau that is clearly showing that I myself owed XXXX and the medical insurance company had paid off the balance of {$830.00}. Still after this nothing was done to fix my credit report report of this unlawful accusation.
Consumer complaint received 2022-09-30
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  ACCOUNT XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2022-09-30
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. (NV)

I'm a victim of Identity theft my information was found on the dark web, XXXX data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.
Consumer complaint received 2021-12-29
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. (NC)

FAILURE TO LEGALLY VERIFY I SUBMITTED NOTARIZED DOCUMENTATION REQUESTING VERIFICATION ON THE DAYS OF : XX/XX/21 - ( XXXX ) CERTIFIED MAIL XX/XX/21 - ( XXXX ) CERTIFIED MAIL RESULTS OF BOTH INVESTIGATIONS CAME BACK AS VERIFIED WITH NO DOCUMENTATION PROVING OWNERSHIP
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU
Consumer complaint received 2020-01-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions. (SC)

I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an XXXX  an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give XXXX XXXX XXXX no authority to sell my information to FBCS , INC.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and transunion did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (NV)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the XXXX Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (OH)

I have reached out to XXXX in regards to two collection accounts on my credit report from I.C. System INC. I have contacted XXXX and XXXX and they have removed these negative remarks but for some reason, XXXX has not. I did not have a procedure with XXXX XXXXXXXX XXXX and not sure why I can't have this removed and it's in collections. The amounts in question on the report are {$380.00} and {$300.00}.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I BEEN A VICTIM OF IDENTITY THEFT. SOMEONE HAS USE MY PERSONAL INFORMATION WITHOUT MY CONSENT THIS IS VERY STRESSFUL THAT IM GOING THROUGH THIS SITUATION I WOULD LIKE THIS TO BE RESOLVED SO THAT I CAN MOVE ON WITH MY LIFE THANK YOU