davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

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.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Yours Sincerely XXXX XXXX
Consumer complaint received 2020-09-26
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. (CA)

I am filing this report because I applied for a small personal loan at XXXX today XX/XX/2020 and unfortunately I was not approved because apparently there are two accounts in negative standing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX and XXXX XXXX XXXX. I have never opened an account with either of those companies nor am I affiliated with them in any way. I don't know who is responsible for these accounts but I did not give anyone permission to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these debts. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the account with TransUnion the account XXXX XXXX. The creditor has not verified the debt as valid. The phone number listed on the report is non working as well as the address non working. I have disputed this time and time again with Transunion and they have not deleted the account since its not valid.
Consumer complaint received 2020-10-04
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: Experian Information Solutions Inc. (AL)

I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.
Consumer complaint received 2020-10-03
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. (PA)

Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :
Consumer complaint received 2017-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (PA)

I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.
Consumer complaint received 2017-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AR)

I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-09-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (NC)

I recently applied for a home loan through Movement Mortgage after moving to North Carolina in XXXX. My loan officers were XXXX and XXXX XXXX. I was prequalified at first when I began looking for houses. I was told after 30 days of employment I would have a pre approval letter. I am a XXXX XXXX XXXX XXXX, which means I'm paid as commission. This was known from the very beginning of the process. I went through the whole process of getting all the info needed, which was difficult due to the loan officers ability to communicate exactly what they needed. I found a house I wanted and put in offer and was accepted. After paying for a home inspection ( {$270.00} ), termite inspection ( {$100.00} ), earnest money ( {$500.00} ), and home appraisal ( {$570.00} ), which totaled {$1400.00}, I was told that my loan would not be approved because I need to show 6 months of income at new job, even though I have been continuously employed for years. So I lost the house after putting out the above mentioned {$1400.00}. XXXX tried to put my income through as standard and not commission based which was caught in underwriting. The information of needing 6 months employment as part of the approval process would have been nice to know before I spent the {$1400.00}.
Consumer complaint received 2020-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (VA)

At the beginning of the year, I inquired with US Bank about refinancing and combining my mortgage with the equity line of credit both owned by US Bank. After supplying all the relevant documents and being approved, I closed on the refinance XX/XX/2020. My first mortgage account was not closed but evidently, it was paid and closed. I received the payoff letter XX/XX/2020. However my equity line of credit was not paid and is still open. I have been receiving phone calls from debt collectors since XXXX and explained the situation to the customer service representatives. After getting transferred to so many departments, I sent an email on XX/XX/2020 informing the Mortgage Loan Processor, that a check for my equity line of credit was not dispersed. The amount from the refinance {$99000.00} was dispersed on XX/XX/2020 to the equity line of credit account. I thought this payment would have resolved the issue however I still owe {$450.00}. After receiving collection calls again to pay {$140.00} to the equity line of credit, I emailed the Mortgage Loan Processor on XX/XX/2020 to resolve the issue. When I discussed the issue with customer service, It was suggested that I dispute the claim but I have since been denied. The customer representative said she would reach out to Mortgage Loan Processr for assistance. I do not owe money to the US Bank, in fact, they owe me. So it wouldnt affect my credit, I paid {$140.00} that I do not owe. After going through my documents, US Bank owes me {$700.00} plus {$140.00}. I should not have been charged interest or late fees on a loan that should have been closed XX/XX/2020. Could you please assist so I can get this resolved once and for all? 

Equity Line of credit bill on XX/XX/2020 states the end balance was {$99000.00}. The closeout from US Bank was {$99000.00} which should have been dispersed on XX/XX/2020 but was later dispersed on XX/XX/2020.
Consumer complaint received 2020-10-03
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: Experian Information Solutions Inc. (AL)

TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-10-03
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. (AL)

TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

This credit reporting agency Equifax removed a credit security freeze alert that I had placed on my account without my permission and then allowed XXXX XXXX and XXXX XXXX  to access my credit report without my knowledge or permission. I think that all of these companies are ripping off and taking advantage of the consumer already in a dire situation and in the middle of a pandemic.
Consumer complaint received 2020-10-03
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: JPMORGAN CHASE & CO. (MD)

Chase JPMorgan credit card company pulled my credit, did a hard credit check to my report multiple times without my knowledge. All of my husbands credit card accounts are listed on my credit report. My husband place me on his accounts as an authorized user, not me. Every single time they check his account they ran a credit check on my credit which has lowered my credit score.

I have requested that Chase Bank remove all these accounts from my credit report.

This has caused me to possibly lose a low interest rate and possibly the home.

All three credit reports are doing this to me. When I asked for this to be corrected, they advised me that it won't happen. 

I am filing a formal complaint and reaching out to an attorney to see what I can do, if anything.
Consumer complaint received 2020-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

Sallie Mae continuously harassing me and my family with their harassing calls after repeatedly telling them to stop calling one of our numbers. I recorded a call saying that they would take a number off the list of numbers that they call only for them to repeatedly go back on their word. Sallie Mae continues to lie and manipulate customers like me who are struggling during a worldwide pandemic not caring or being considerate of the situation we're facing.
Consumer complaint received 2020-09-26
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. (MD)

i recently obtain a copy of my credit report and noticed several accounts i did not authorize also i have been a victim of id theft and these companies continue to violate section 15 us 1692 of fdcpa.
Consumer complaint received 2020-10-04
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX XXXX DOB : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Consumer complaint received 2020-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

I was contacted by CACH collections in the month of XXXX stating I owed an OLD loan debt in the amount of {$11000.00}. I told them I had no idea what this was about and to provide me with the original paperwork for this loan and all other original paperwork. They refused to provide that info and stated to me that they don't have to give me the original paperwork, they only have to give me their invoice/bill. 

They stated to me that is was a debt from XXXX which is VERY OLD. I expressly told them that I have never taken out any type of loans on my report and nor did I have any collections on any of my credit reports. a month after talking to them, CACH collection placed this collection account on my credit report. 

on XX/XX/XXXX, I spoke to them again and they refuse to provide any help or the original paperwork that I have been requesting. By law, any collection company has to provide the original paperwork to show proof of ownership.
Consumer complaint received 2020-10-04
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. (CA)

submit dispute about correcting name and current address on XX/XX/20 delivered by certified mail delivered on XX/XX/20. Received report back with deleted addresses, until this day addresses that are not deliverable to me by U.S.P.S. are still on my profile. 

Sent a dispute letter on XX/XX/20 received certified mail on XX/XX/20 and still have not heard back from Equifax. And XX/XX/20. 

XXXX, XXXX XXXX was sent the same information on XX/XX/20, XX/XX/20 as well. 

Addresses were still being put on my credit report that was not mine even after I told them I never stayed at the addresses. I was also unable to verify my identity on the phone due to the wrong information in my credit profile.
Consumer complaint received 2020-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2020, I received out of nowhere 2 collection letters from Resurgent Capital Services/LVNV Funding LLC for {$3300.00} and {$4600.00} respectively. On XX/XX/2020 I certified mailed this company Debt Validation request letters with return receipts so i would have proper records that the company received the requests. On XX/XX/XXXX, and XXXX 2020 i received the signed return receipts stating that the request letters had been received. On XX/XX/2020 I received a phone call from the company in regards to these 2 collection accounts in which at that time I advised the representative that i wished to only be contacted via mail and made her aware of the validation requests. As of this date XX/XX/2020 I have not received any validation information from this company and furthermore have received not communication via mail as requested. Today XX/XX/2020 I received notification from my credit monitoring service the these to collections have been placed on my credit reports as negative items. I am deeply upset as to why this company would do this as I requested Validation and the have never validated the debt. I also believe this is a violation on my consumer rights.
Consumer complaint received 2020-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

This is the eight ( 8th ) time I have submitted the exact same question. I have not received a competent response. I have even been told that my request is a duplicate. IT IS NOT. 

ISSUE : Whether XXXX XXXX XXXX XXXX XXXX XXXX ( ERS ) a 501 ( c ) ( 6 ) non-profit qualifies under Public Service Loan Forgiveness ( PSLF )? 

ERS is a 501 ( c ) ( 6 ) not a 501 ( c ) ( 3 ) non-profit. All the responses have ignored that simple fact. 

It was previously determined that ERS provides " public safety ''. One response stated that it was not it's " primary purpose ''. In light of COVID ERS been determined to be an " essential service ''. Public Safety is the essence of ERS. 

I have filed a Freedom of Information Act request revealed that no list exists for what 501 ( c ) ( 6 ) employers qualify. See attached.

Every response does not address the issue of WHAT IS THE STANDARD. I have been told to get ERS to complete the PSLF form but it only lists 501 ( c ) ( 3 ) status as a qualifier. The 10th anniversary for PSLF was XXXX and it has been a disaster. No one will make establish a standard that can be applied. 



Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN.GOV XX/XX/XXXX Closed Marked as a duplicate complaint on XX/XX/XXXX XXXX XXXX XXXX Federal student loan Struggling to repay your loan FedLoan.gov XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan Fed Loan XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX Federal student loan Dealing with your lender or servicer FEDLOAN SERVICING XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Federal student loan Struggling to repay your loan FEDLOAN SERVICING XX/XX/XXXX Closed Company responded