davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-19
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. (NV)

TRANSUNION TODAY SAID I CAN NOT HAVE ACCESS TO ONLINE SERVICE DUE TO INABILITY TO GENERATE SECURITY QUESTIONS TO ID ME ... THIS IS THEIR OWN COMPUTER GLITCH AS MY CREDIT HISTORY IS EXTENSIVE. 
THERFOR I OFFER THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX SHOWS A 30 DAY LATE ON XX/XX/2014.THE PROBLEM AT THE THE TIME I RECALL IS THAT MY PAYMENT WAS MISAPPLIED TO ANOTHERS ACCOUNT.THIS DISCOVERY TOOK SOME TIME.I HAVE NEVER BEEN LATE ON ANYTHING AND HAVE BEEN A GREAT CUSTOMER AND FAN OF XXXX  AND WOULD APPRECIATE AN NA OR ND ON THAT LATE DATE OR SOME OTHER SOLUTION. 
XXXX XXXX, ACCOUNT NUMBER XXXX HAS MORE THAN 10 LATES THAT WERE CAUSED BY THE CREDITORS FRAUD. 
AT THE TIME OF AROUND XX/XX/2014 I WAS TOLD THAT IN ORDER TO QUALIFY FOR A RECAST OR REFI, WITH REDUCED WRITTEN DOWN PRINCIPAL AND RATE, THAT I WOULD HAVE TO DEFAULT AND THAT THE PROCESS WOULD TAKE A YEAR.AT DECLINE I PAID XXXX TO CURE.I WAS SCAMMED AND NOW HELD ACCOUNTABLE FOR LATES CAUSED BY THEIR CLEAR DIRECT MISINFORMATION.I WOULD LIKE THIS ACCOUNT TO BE DELETED FROM ALL CREDIT BUREAUS EVERYWHERE.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/2024, I recently discovered inaccurate information being misreported against me regarding a tradeline account with XXXXXXXX XXXX account number : XXXX XXXXXXXX XXXX is reporting a 90-day late payment on my consumer report. I was never 90 days late as this company implies. This is not only an inaccuracy, but misleading and damaging to my financial reputation. Per the Fair credit Reporting Act 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I was never late as this company implies.
Consumer complaint received 2022-05-31
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)

There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX  XXXX- XXXX XXXX- XXXX There are also XXXX hard inquires & XXXX soft inquires that need to be removed In accordance with the Fair Credit Reporting act Convergent These accounts have 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 2022-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-05-13
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)

" 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. ''
Consumer complaint received 2022-06-01
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. (NY)

I called Transunion after I purchased a credit report from XXXX XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX*on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (IL)

I called in a complaint against Gregory Funding a few weeks ago because they were trying to auction my house. I was able to get the sale date postponed by the judge because I have an active application for the Illinois Emergency Homeowner Assistance Fund in review. Gregory responded to my complaint and said they agreed to postpone the sale ( false ) I had to hire lawyer and judge stopped it. Gregory said that they were willing to work with me if I can get the application for state program approved. Gregory said in the letter that they included a loan summary with payoff demand good through XX/XX/XXXX, but they lied -- they did not send this to me or to my Attorney and the response to the complaint was not uploaded to your site. I have included their response. I am very XXXX  and facing XXXX  XXXX XXXX  and I have authorized a friend and my son to speak with Gregory on my behalf. However, Gregory puts them on hold for 30 minutes and when they finally get on the phone tell them they are not authorized to speak on my behalf, even though i signed the paperwork. This happened several months ago when I was trying to get reviewed for modification -- Gregory would make up a new excuse every time to deny me access to available modification and forbearance programs that are available. Gregory claims that the forbearance offer they gave me which required a XXXX down payment was the only option available. I would like to review the investor guidelines for loss mitigation and also review the performance of the tranche of loans with this particular investor to determine what percentage have been modified and what types of deals they were offered? Gregory Funding has been running a grift since they first took over the servicing of my loan, adding force placed insurance on multiple occasions, even AFTER I provided documentation that we had insurance, they did it anyway. Gregory is being sued by multiple homeowners, in fact we just got a check from a class action settlement against them. I just want them to follow through and get us the documents we need for the state. My son called them today and they said that they need a payoff demand not the mortgage statement since I am behind and they are not sending me mortgage statements. I want Gregory to work with my friend that I authorized and son to help with this situation instead of playing games so they can run out the clock and foreclose on my home
Consumer complaint received 2022-06-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (TX)

I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had 6 lines on my account. XXXX mailed out SIM cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be three of four days before I could try a new SIM card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another carrier. A few days later I received a bill from XXXX for {$670.00} for less than 24hrs of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a nonworking product and horrible customer service.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

As of last year, around XXXX, then the last two months and yesterday, I've been having serious problems with CitiBank. I have 5 CitiBank cards. However ; after today I contemplating on cancelling them. Since ; for a week I tried to access my rewards via email to no avail. My XXXX, email and computer would freeze up when I tried to print the reward check. I tried forwarding it ; printing it ; saving it ; and viewing it. Citibank 's extreme security paranoia is beyond my comprehension. The Business sense and customer service skills are replaced with their security paranoia. It also leads them to arrogance and abuse. My final call to Citi was yesterday from XXXX XXXX. The Costco manager wanted to talk to them, becasue they cancelled my rewards when I called them again Wednesday.. They sent me a replacement email, but NO REWARDS. When I showed Costco the first forwarded rewards ; they had been cancelled! And when I Called them at Costco because the manager wanted to speak to them they were not only uncooperative but threatening and abusive. Since ; by then they riled me up. Thus ; I was very ill this morning because it hurts me to get upset due to my broken sympathetic nervous system and cerebral hypoxia, leading to extreme gastritis. I wish I could cancel all my CitiBank cards, but I can't cancel the Costco card. After driving 120 to XXXX and XXXX XXXX and back to Costco, the rewards had been inactivated, unbeknownst to me! I've earned my rewards ; but could not claim them! Instead ; he displayed threats and abuse conduct!
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2024-03-16
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: SYNCHRONY FINANCIAL (OK)

To Whom It May Concern, I am writing to file a formal dispute regarding a hard inquiry listed on my credit report that I do not recognize and believe to be unauthorized. The inquiry in question was conducted on XX/XX/2023, by XXXX. However, I have no recollection or record of initiating such an inquiry, nor have I authorized anyone to do so on my behalf.

This unauthorized hard inquiry has adversely affected my credit score, and I am deeply concerned about the potential implications it may have on my financial well-being. As a responsible consumer, I diligently monitor my credit activity, and this discrepancy has raised significant alarm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary actions to rectify the situation. Specifically, I ask that the unauthorized hard inquiry by XXXX be removed from my credit report as soon as possible to alleviate the negative impact it has had on my credit score.

I understand the importance of maintaining accurate credit information, and I assure you that I have not engaged in any activity that would warrant such an inquiry. Therefore, I implore the bureau to assist me in resolving this issue expediently. 

Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I eagerly await your prompt resolution. 

Sincerely,
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX  Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} NXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Consumer complaint received 2019-07-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

I was a tenant with this company about 4 years ago in XXXX. My lease ended with them on XX/XX/XXXX and no one notified me regarding a lease renewal so I was placed on a month to month. I lived in their apartment until XXXX of that same year under no lease. I contacted them and no one contacted me back. A message was left on their machine, twice. I continued to live there and the home begin to have bed bugs as well as mold. It wasn't livable. My kids and myself, we all gotten sick and had to take time off school and work. Again, I tried contacting their company with no response so I left the premises and when I left, the company charged me with over {$4000.00} fees on my credit when I attempted to contact them numerous times. I had no clue of this being on my credit until I applied for an apartment about 2 days ago XX/XX/XXXX. Again, I called today XX/XX/XXXX and left a message, no one has called me back at this time. It's about XXXX XXXX.
Consumer complaint received 2022-06-01
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: DISCOVER BANK (AL)

There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX Discover Financial Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by Discover and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX XXXXXXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX XXXXXXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
Consumer complaint received 2022-06-01
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: FIRST NATIONAL BANK OF OMAHA (AL)

There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX XXXX XXXX Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- First National Bank of Omaha- A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX XXXX XXXX Letter received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX  XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX account number 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 2022-12-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I have disputed several times with multiple XXXX XXXX XXXX the claims of this company. I have requested proof of validation containing my original signed contract, thereby verify ownership. As of today, XX/XX/2022 I have not received such documents, however said company persist on reporting falsely on my credit report, detrimentally damaging my identity and credit worthiness.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit Reporting act XXXX XXXX Account number XXXX and XXXX XXXX  Bankruptcy reference number XXXX has v

iolated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.