davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
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. (SD)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-03-18
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: Commonwealth Financial Systems, Inc. (IL)

XXXX XXXX was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NE)

I currently have a Navy Federal Credit Union VA Home loan. I applied for refinance to reduce interest rate and cash-out for home improvements. The first loan estimate they sent included {$5400.00} PMI. I emailed to have them reduce my loan to 80 % LTV. Then sent me new documents but instead of PMI they moved this to VA Funding Fee to which I am exempt. I would think this would be known since my loan is with them already and I sent them my VA XXXX letter. It just seems shady to me and I would not want other servicemembers or veterans to encounter the same problems. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-14
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: TRUIST FINANCIAL CORPORATION (SC)

I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. Regional Acceptance Corporation account resulted from identity theft and was already deleted to XXXX and XXXX but not XXXX. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from XXXX and Regional Acceptance.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

The issue with XXXX XXXX still remain on my credit report. With the provided evidence that shows the account was reopened in XXXX was on all three of the credit bureau reports. XXXX removed XXXX immediately due to the fraudulent reopening of the account. I ask that Equifax remove XXXX XXXX XXXX off my credit report because of the account reopening.
Consumer complaint received 2024-01-05
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I contacted TransUnion to obtain my free credit report. 
( Had already received one from XXXX with no problem. ) First via their website. I gave them all the pertinent information IE Social Security number, Birth date etc. After filling in all their questions I was declined with a : We are unable to confirm your identity .... 
I called and requested the report and answered their questions IE. SS # Address etc Then they asked me about a car loan and some other financial questions which I did not recognize ... .They declined my request and put me thru to a live person I told them what happened and they said I had to Fax my id and social security card. 
I said I did not have a fax number and could not afford to pay to fax the documents but I could upload them and asked for an email address. 
He said there was only one way to do it and that was by fax. 
This seems highly discriminatory considering this could have been solved with email. 
Why I can not upload this on their website does not make sense. 
I need my report so I can see what, if any, negative information is on it. 
I am who I say I am. 
If you need any information to confirm that just let me know and I will be happy to give it to you. 
I have XXXX and XXXX XXXX. 
I have XXXX and this has caused me great stress and anxiety. I would like to fix what ever credit problems I have. 
Thank you for your consideration in this matter. 
As a Federal agency you have all of my information on your files. 
It will be easy for you to confirm who I am. 
Thanks XXXX
Consumer complaint received 2022-04-14
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. (OH)

I dispute this debt to TransUnion that this was business debt that doesnt belong to me personally and that this in ligation. I disputed this to TransUnion on or around XX/XX/XXXX. A business debt that when I work for this company in XXXX. I was a XXXX  of the company not the owner. I noticed it was put on my personal credit report and not their business credit report which should not aloud to be added to mine personally credit report. TransUnion claim that it will stay on my personal credit after they did their investigation.
Consumer complaint received 2022-04-14
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. (SC)

There are XXXX different XXXX ( personal loan ) accounts on my Experian report. All of these are delinquent. NONE of them are mine. I have called XXXX & they have confirmed that my social security #, email, phone number are NOT associated with any account. Yet, they are still showing as delinquent on my Experian account. Neither XXXX or XXXX show these things.
Consumer complaint received 2022-01-25
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: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEMEN Account number XXXX This account is not mine. its been removed a few rimes and keeps coming back to my credit report. I need it removed please it is not mine
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

Only one of the three credit reporting agency XXXX XXXX is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Navient Solutions, LLC. (CA)

I have 9 Federal student loans with Navient that were once serviced by the department of education. These loans were sold, without my consent to Navient who now claims that because they are no longer affiliated with the Dept. of Edu my loans no longer fall under the current student loan repayment moratorium that was put in place because of the pandemic. As a result I now have 9, 90+ day late payments reporting to my credit report. I wasn't paying them because I was under the impression that because they are federal student loans originated by the Dept. of Edu that they would fall under the payment freeze. The 9, 90+ day late payment reports are unjustly harmful to my credit. I shouldn't be punished because the identity of my loans were changed without my consent, or my knowledge.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND FUNDING LLC has stole my identity and are reporting fraudulently on my credit report. There is no contract binding me to this alleged debt, as it was In result of identity theft. 18 USC 1028 states they are violating my consumer rights by unlawfully transferring my authentication feature ( social security number ) electronically. I have token it upon myself to even request the validity of this account yet they never provided me with proper proceeders and policies that ensures the integrity of the account. 
MIDLAND FUNDING has also used the postal service to defraud ME, the consumer. Furthermore 15 USC 1681c-2 states that ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 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.
Consumer complaint received 2024-03-18
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. (CA)

I have fallen victim to fraud and identity theft in my name, in which accounts have been open without my authorization, such as auto loans, bank accounts, as well as apartment rentals, have been obtained unknowingly in my name. This has caused much undue, financial strain and stress. Account : Achieve Personal Loans Account # : XXXX {$15000.00} In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The Numbered Account attached to this dispute violates my rights. 
15 USC 1681, section 602 A. States I have the right to privacy. 
15 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 
According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. 
A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 
And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( 6 ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

In late XXXX I was notified by my prior servicer that my loan was being transferred to Mr. Cooper and that my first payment to Mr. Cooper should be made XX/XX/2021. I received no information from Mr. Cooper and frequently went to their website to check the status of my loan. There was never any information. On XX/XX/XXXX I called and they verified that my loan was onboarded ( still haven't received a letter ). After setting up online access and choosing paperless statements the online access stopped working within 5 minutes of gaining access. Instead of going to my account it brought up a 500 error page. Attempts to login on the sign in page brings me back to the sign in page. I immediately called customer service, spoke to 2 representatives, and they had no explanation about why I can't log in. They could see I setup paperless statements and had my email address. I called the following day, XX/XX/XXXX, and was told that it's an issue with XXXX. I spoke to 2 representatives that day. On XX/XX/XXXX I still did not have access to the website to make payments. Again, the sign in page brings me to the sign in page. When I try and search by loan number and social it says my loan can not be found. The customer service representatives have not technical experience and always attempt to walk me through the obvious sign up processes. The website provides not contact information for IT or web support for technical issues. Customer service is useless. On day one I was told by a representative that they could write to their web support and call me back. I'm still waiting. This lack of service is unprofessional. I anticipate that this may lead to claims that I'm late on my payments and negatively effect my credit report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Hello there, I'm experiencing an issue with a credit reporting agency/consumer report company. I have tried to request a freeze of my credit report from Clarity Services , Inc ; a part of XXXX consumer reporting and multiple times denied my request, even after verifying my identity. 

Consumer Protection Law requires such a company to furnish my request upon verification of my Identity, which I have done. They have violated my right and exposed my information to bad actors, causing me an identity theft problem.

I requested a freeze of my credit from all credit reporting/consumer reporting agencies because I was seeing unusual activity on my credit accounts. All the other agencies complied with the law and request, but Clarity Services , Inc. This morning, someone has been trying to charge all my credit and debit cards once used with my auto loan payments ( i.e. ; with XXXX  - my auto loan servicer ). I have locked all the cards and the pain of this is because my information was thrown to the wolves without my authorization and when I caught it, Clarity services wanted me to prove further my Identity by sending a copy of my social security card!!!! Why would you need my social security card when I have given you my social security number and answered all the verification questions, except for the purposes of delaying my request to your ( Clarity Services ) own benefit from my information? 

I'm looking for help regarding this request and the protection of my identity.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (GA)

I transfer money in the amount of {$120000.00} USD to Crypto.com. My identity was stolen, my crypto.com account was hacked and my money converted and transfer to another company or platform called XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Berlin-Wheeler, Inc. (Kansas) (KS)

I contacted the original lender from this account in which I'm in good standing with n still using this account account is paid up n representative don't know why this company Berlin wheeler has this account stating derogatory on my account I don't know this company n never had a account with them only have account with XXXX n we have taken care of this account n account is in use with XXXX thanks for looking into this matter for me
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

I have my mortgage and escrow account with LoanCare LLC. In the process of my mortgage being transferred to LoanCare LLC, my taxes were short paid, I paid them and all late fees due to the timing of taxes and the timing of sale and transfer of loan companies. Then they said they paid my XX/XX/2020 taxes but the town never received them. I have contacted them many times about this with absolutely no response. I just want them to pay my back due taxes along with all the penalties and interest ( some of which I have already paid ).
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I feel I have been taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. 
This has caused me financial injury and this is call defamation of character. This inacurate reporting has stop me from employment opportunities. 
Do to this law braking reporting I have been denied sba loans as well as new credit.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report