davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

The Company, Loan Depot, ordered an appraisal within their internal order process. When I received a copy of the appraisal, the value was underestimated at {$220000.00} primarily because the appraiser misrepresented my total square feet and room count as approved by the county appraiser. This resulted in many unfavorable comparables and a low evaluation. I refuted this with the Loan Officer and his manager and they both agreed to that analysis. My neighbor 3 houses away at XXXX XXXX with slightly more size and with noted wall and water damage to the 2nd floor SOLD her house for {$330000.00}. My neighbor same street with a black top driveway and no updates has a pending sale for {$280000.00}. The appraiser likely discriminated me because of my national origin and forcefully lowballed my value which resulted me in not qualifying for the loan I requested. I have repeatedly emailed both the corporate contacts and the individuals who handled my loan application and no one has handled the matter. The manager, verbatim said in writting " I agree with you, I think your home should have appraised for more than it did ''.
Consumer complaint received 2023-11-29
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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. (IL)

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX/DOFED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant FCRA.
Consumer complaint received 2018-02-27
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. (VA)

XXXX XXXX XXXX HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XX/XX/XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY EQUAFAX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XX/XX/XXXX AND XX/XX/XXXX.  I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY EQUAFAX CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY EQUAFAX CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY  PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT XXXX XXXX XXXX I WAS LATE ON XX/XX/XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.
Consumer complaint received 2021-08-29
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. (MD)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2019-01-29
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MIDFIRST BANK (MO)

My mortgage loan was bought out by XXXX XXXX  prior to XXXX of XXXX from XXXX. XXXX XXXX  within a week of XXXX closing my loan, my credit score tanked by over 70 points. I waited and expected XXXX XXXX  to report my loan in good standing the following month, but this did NOT happen. With an abundance of caution, I mistakenly waited until early XXXX to verify one more time to see if my loan would be reflected in my XXXX credit score. Unfortunately, XXXX XXXX did not report my loan in good standing again. 

On XXXX XX/XX/XXXX I contacted XXXX XXXX  informing them of my concern and asking that they rectify the discrepancy. On XXXX XX/XX/XXXX I received a message from XXXX XXXX XXXX XXXX ( attached ) informing me that they will NOT take any action until early XX/XX/XXXX. I contacted XXXX XXXX  by phone on XXXX XX/XX/XXXX and after a length conversation with their " customer service '', they stated their policy of not reporting to credit bureaus for a period of 90 days is hard and fast and can not be changed. 

For personal reasons, I need a good credit score. XXXX XXXX  is unfairly preventing me from pursuing actions I need to take in my life because of their discriminatory policy of not reporting to credit bureaus in a timely manner. 

I did not ask for XXXX XXXX  to sell my mortgage to XXXX XXXX and I do NOT deserve to have a negative credit score/history as a result of this action. I expect XXXX XXXX   to rectify this reporting injustice and, necessarily on a case by case basis, report mortgages in good standing if so requested by the owner of the mortgage.
Consumer complaint received 2023-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX i notice s0me unauthorized inquires on my Transunion Credit report i called Transunion and talked to a Agent and disputed these Inquires but it came back verified, these are are fraud inquires did not do them 4inquiries These lenders have accessed your credit file : XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 1public record
Consumer complaint received 2021-08-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Linebarger Goggan Blair & Sampson LLP (OR)

This firm attempts to collect parking tickets that are 9-10 years old and refuse to act in accordance with the XXXX statute of limitations, in spite of many repeated conversations and warnings to do so. Specifically case number XXXX, for a parking ticket from XX/XX/2010, they are now attempting to collect {$160.00}. They have been contacted by phone and in writing multiple times to dispute the debt and the timeliness of their efforts, and every few weeks they attempt again.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I asked for proof of verification and was not provided with any. Transunion continues to report inaccuracies without proof of the source that they claim was verified. I have sent several letters on this subject and I keep getting the same computer generated response. All accounts are verified. No proof is ever given from the source they claim is verified. Where is the proof. 

Subject : Immediate Action Required : Proof of Verification or Deletion of Negative Items Dear TransUnion, I am writing to address the ongoing issues regarding the inaccuracies on my credit report. Despite my repeated requests and providing comprehensive documentation, TransUnion has failed to demonstrate proof of verification for the disputed items, as required by law. This lack of transparency is unacceptable. 

I demand that TransUnion either provide me with the proof of verification for the disputed items or delete them from my credit report immediately. Your continued failure to comply with this request is a violation of the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of your reporting practices. 

I expect a prompt response outlining the steps you will take to rectify this situation.
Consumer complaint received 2021-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Royal Pacific Funding Corporation (TX)

I have tried to work with my mortgage company to get a modification and a forbearance to save my home they have taking resent payments that i was told to pay by FHA then they stopped letting me pay the payments. I did a modification application witch they said I was approved for to get a letter telling me that i am not approved I was effected by covid 19 and have explained that to them. I do believe that i am being discriminated because of my XXXX and that is why I'm not getting a fair chance to keep my home I had paid 4 back to back payments before they stopped taking my payments in the amount of XXXX for XXXX XXXX XXXX and XXXX
Consumer complaint received 2021-08-29
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. (OH)

Under 15 U.S. Code1681 b- I did not give Equifax any written consent to furnish anything on my consumer report and no consent is identity theft. And under 15 U.S. Code 1681 b ( 3 ) - 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. Both of my consumer rights were violated by Equifax.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WA)

On XX/XX/2021 I contacted my bank to notify them that my paycheck would be late I requested that they put a hold on my account so that no further debits or transactions could be made so therefore it will overdraft I had already opted out of overdraft protection and was told that it was still opted out I was told that the hold would be placed over the course of the next couple weeks I randomly checked my account and noticed that there was still charges being made including two fraudulent charges that caused me to have to close my debit card at this time they still allowed two more charges to go through on my debit card after it was closed and they still did not put the hold On by the time it was all said and done they had added almost XXXX XXXX and something dollars worth of overdraft fees to my account when my paycheck finally hit my account they deducted the {$700.00} and then placed a hold on my account I kept in contact calling the bank over the next few weeks as I had been doing since the initial contact and still to this day and nothing has been done they reimbursed close to {$200.00} I believe but that was for the fraudulent charges since then the bank has continued to mess up my deposits in transactions causing multiple overdrafts and whenever I call in to speak with someone they can never figure out what's going on and that usually just hang up and I have to call back I work full-time so going to the bank and sitting down with the banker is not easy option at this time they have taken nearly {$1500.00} worth of fees from my account that I believe are not accurate I take responsibility for whatever fees are legitimate but I know that I should not have paid {$1500.00} in fees to the bank and they still refuse to do anything about it
Consumer complaint received 2021-08-29
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AFNI INC. (CA)

I was denied an application for a credit card due XXXX Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, XXXX  put that person in my credit report file
Consumer complaint received 2021-08-29
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. (NJ)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2021-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc. (NE)

My name is XXXX XXXX XXXX. I am submitting this dispute on behalf of myself against Total Card Inc. The correspondence below has been received by Total Card Inc., via certified mail and their inability to cease reporting and delete said account from my consumer data files is the basis for this complaint. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use E-OSCAR software that does not complete thorough investigations and is in direct violation of FCRA 611 ( a ) ( 2 ) ( A-B ). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in FCRA 623 ( b ) ( 1 ) ( A-E ). It is your responsibility as a data furnisher to adhere to the above federal regulation in regards to the reporting of such updated account info. I recently paid this account in full as part of a settlement with the collection agency XXXX XXXX XXXX, yet this account still reports as a charge off and shows erroneous and erratic/unknown reporting that I have attached to this complaint. This is a major violation of FCRA 623 ( a ) ( 1 ) ( A-B ) since the account can legally no longer be reported as a charge off as the account has been written off, and its status has been changed to paid. It is also Total Card Incs duty to correct and update this information under FCRA 623 ( a ) ( 2 ) ( A-B ). Please update the reporting of this item as paid and remove any further charge off reporting. If this change is not seen on my consumer data files and if youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by FCRA 623 ( b ) ( 1 ) ( E ) ( ii ), to advise the credit reporting agencies, XXXX XXXX, and XXXX  and all other secondary credit reporting agencies to delete this negative information from my credit reports, which can also include complete removal of the account. See attachments. 

Failure to adhere to my request would make me, XXXX XXXX XXXX, due compensatory damages pursuant to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. All correspondence should be sent to my attention at the above address. 


Account identifiers : XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up XXXX to tell you that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX TER XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX .... Balance XXXX - XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX ... XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX