davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (VT)

XXXX  XXXX XXXX called on XX/XX/XXXX stating someone trying taking a loan in my name for XXXX  XXXX.
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I sent a certified letter to Transunion about an hard inquiry that was placed on my consumer report that is not mine. This inquiry was placed on my consumer report while having a fraud alert on my file. The dispute letter was sent certified mail on XXXX XXXX, 2023 and was delivered and signed on XXXX XXXX, 2023 and it's been 33 days since its been received and I still have this item on my consumer report. 

I will attach the proof
Consumer complaint received 2023-10-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc. (CA)

This is my XXXX complaint about Aidvantage. I will not continue to send information to a company that has violated my rights by receiving my information without my consent. Moreover, this same company said in a previous dispute that if this is a result of identity theft, file a report with the FTC. That has been done. Now, theyre saying to call their theft department. I will not keep jumping through hoops. It is my information that is being misused. I have done my due diligence by reporting this to the FTC, the attorney general, and the credit bureaus. In addition, the last CFPB complaint was sent to the department of education. The Department of Education responded and said they are not the appropriate company to address the issue. 

If the loan originated from The Department of Education and they are unable to address the issue of identity theft and sending my personal information to Aidvantage without my consent, the loans need to be removed from my credit report immediately and closed.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I'm writing to discuss a problem I found on my credit report. It says condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.
Consumer complaint received 2023-02-23
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. (AR)

It has been a struggle, therefore I'm writing to ask you to remove the following bogus information from my file. The report includes a list of the items I need to eliminate. I am an identity theft victim and neither I nor the accounts were created. To fix my credit report, I request that the items be removed. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus ask that you immediately delete these details from my credit record with your company. Kindly remove the following objects : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AR XXXX DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXXXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX  XXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. Immediately have the disputed items removed from my credit file in accordance with Fair Credit Reporting Act section 605b.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OK)

On XX/XX/XXXX.This utlity company and decided to end our business relationship due to breach of contract.they were charging me for services not rendered. So I payed my final bill and sent in my equipment. Never heard from then again until a collection agency contacted me saying I owed a debt from this utlity company on XX/XX/XXXX. I disputed with all 3 credit bureaus and had them removed from all 3 bureaus. On XX/XX/XXXX I seen my credit report show a collection from the same original utlity company but a different collection agency. I disputed again. XXXX removed it. But not XXXX or XXXX. On XX/XX/XXXX I contacted them and asked the collection agency remove from my credit report.They said they could not.
Consumer complaint received 2020-12-17
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. (TX)

The accounts listed below have the wrong amount balance. The credit card usage is wrong as well. 

1. XXXX Reported XX/XX/2020 173 % Balance : {$690.00} / {$400.00} 2. XXXX/XXXX Reported XX/XX/2020 99 % Balance : {$740.00} / {$750.00} 3.XXXX XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 4. XXXX XXXX Reported XX/XX/2020 83 % Balance : {$250.00} / {$300.00} 5. XXXX/XXXX Reported XX/XX/2020 57 % Balance : {$1400.00} / {$2600.00}
Consumer complaint received 2023-03-14
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)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Delete these accounts : fair resolution 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XXXX  PAID OFF AND CLOSED. 
PAYOFF PROOF ATTACHED AND SENT 3 TIMES, HOWEVER DEBT OBLIGATION STILL REPORTING ADVERSELY AFFECTING DEBT TO INCOME RATIO.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort.

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Consumer complaint received 2019-11-26
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. (AZ)

I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX  Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX || DATE : XX/XX/year> XXXX || DATE : XX/XX/year> XXXX XXXX || DATE : XX/XX/year>
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2020-12-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (IL)

My mortgage is currently with Guild Mortgage. I was approved for a refi with XXXX XXXX and started the process which would save me {$500.00} per month. I was ready to set a closing date but I have my home in a land trust and needed to remove the home from the land trust in order to close on the refinance. My title company told me i had to have the mortgage company along with myself sign a direction to convey. I sent my request on XX/XX/XXXX. On XX/XX/XXXX I called and emailed and was told it would take 10 business days. On XX/XX/XXXX I sent another request for update with no response. XX/XX/XXXX I called Guild again and was told I had to wait for a response and could not speak with anyone with regards to this. Today I lost my closing and can not hold the interest rate I had. I want to move my loan from them and want them to sign the direction to convey so I can proceed.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. ()

My father sent two international wire transfers to my bank account for which the whole amount was not received. He transferred the money from XXXX to XXXX XXXX  XXXX XXXX and JB Morgan Chase Bank was the beneficiary bank. JB Morgan Chase changed the currency from US dollars to XXXX Dollars and afterwards it was converted again to US dollars due to which I lost XXXX USD in two transactions. The 1st wire was received in at the XXXX XXXX  XXXX XXXX on XXXX of XX/XX/2022. The 2nd wire was received on XX/XX/2022. Assistant bank manager of XXXX has already complained to JP Morgan Chase bank and they have admitted it is a mistake on their end but they are not compensating me for my loss. The complain reference number is XXXX
Consumer complaint received 2022-05-18
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. (CA)

in accordance with the fair credit reporting act XXXX  account # 1 XXXX XXXX XXXX XXXXXX/XX/2022. # 2 XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 WITH OUT MY WRITTEN INSTRUCIONS.
Consumer complaint received 2017-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

We have been requesting to remove the Mortgage Insurance Premium on this account which was sold by Bank XXXX XXXX XXXX XXXX Mortgage in XXXX. 
On XXXX XXXX, XXXX, we were denied this request, as XXXX Mortgage said our mortgage balance needed to be {$330000.00}. 
On XXXX XXXX, XXXX, we made a {$9500.00} payment to the principle amount to meet this requirement and XXXX erroneously applied the amount to monthly payments and escrow accounts. 
On XXXX XXXX, we requested this to be corrected. Called again on XXXX XXXX, they said it would be corrected by XXXX XXXX. 
Called on XXXX XXXX, they said our request for correction applying {$9500.00} to principle was denied and they would send it again for it to be corrected in XXXX - XXXX hours. It was finally corrected XXXX month after they mis-applied the funds. 
We requested once again for the mortgage insurance premium to be removed ... .and on XXXX XXXX, XXXX, we got a letter saying that the MIP was cancelled on XXXX. The final premium was disbursed on XXXX XXXX, XXXX. The monthly mortgage payment will be adjusted. A revised billing statement will be sent. 
XXXX XXXX - I called XXXX to get the revised payment amount and they did not show any change. They said I had to fill out a request to get this updated with the escrow analysis. It would take 14 days to hear back from them. 
XXXX XXXX - I called carrington again, and they have no record of my request last week to perform the escrow analysis. Now I am being told that it takes 60 days to perform an escrow analysis. I am required to keep paying the MIP until then. They claim anything being overpaid will be refunded, but I am not confident in their integrity as they have changed their story on me every single time I 've called and interacted with them. 
This company feels fraudulent and I feel like I have no recourse. Please help! thank you
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

I am disputing accounts with XXXX XXXX XXXX and XXXX XXXX because this account have been disputed before and have not been removed by Experian or XXXX, but XXXX XXXX has removed both accounts as od XX/XX/2020 from my credit report and it is by law that each credit bureau is suppose to report the same accurate information across all bureaus.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( CAPITAL ONE AUTO FINANCE ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( CAPITAL ONE AUTO FINANCE ) of any sort. 

In regards to The company ( CAPITAL ONE AUTO FINANCE ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( CAPITAL ONE AUTO FINANCE ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.