davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I found addresses on my account that i have never lived at and addresses that I haven't lived at in over 10 years. I sent each XXXX, XXXX, and Trans Union letters asking them to remove the incorrect information. And to only show the correct information. They didn't. This is placing me at risk of identity theft. If my personal information is sent to one of those incorrect addresses. 
I also found that my name was missed spelled and missed used as also known as.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On credit reports I never worked for XXXX XXXX I never worked for XXXX XXXX My name is NOT XXXX XXXX XXXX My name is NOT XXXX XXXX XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX XXXX WA XXXX I NEVER had the addresses XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX I do not have any account with XXXX XXXX  Open I NEVER HAD any account with XXXX XXXX. EVER IN MY LIFE
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I filed for a cash advance of {$250.00} from Ace Cash Advance. I dont remember the initial date, but I was employed but due to covid I was placed on a Leave of Absense due to not being able to work remotely. I have been telling ace cash express. The calls will stop then abruptly will start up again as early as XXXX to probably normal closing hours. 

At first I would stay in communication but then I started feeling like I was being interrogated like if they thought I was lying so I quit answering. Well, today XX/XX/21 to communicate I was still unemployed. Im getting foodstamps, I applied for rental assistance, I have no source of income. I went to let the lady know. I applied for a medical emergency. I literally almost lost my brother due to an XXXX. I didnt have time to save the money. I had to do it right then am there. Then she got hostile. And wanted to know how I got the loan if I wasnt working and then her tone just got agressive so I hung up. This is why I dont answer because she. It leads to the aggressive attitude and questions of interrogation
Consumer complaint received 2023-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I contacted Select Portfolio Servicing on Friday, XX/XX/ 2023, at XXXXXXXX XXXX, to discuss the possibility of completing a loan assumption. I had been served with a partition summons and in order for me to retain ownership of the subject property and avoid the untenable housing market in XXXX XXXX, I would need to assume the loan away from the co-borrower. The first representative I spoke with advised me that there are only 4 viable reasons for requesting an assumption : divorce, death, deportation and incarceration. When I explained to the representative that the partition demand operates under the same capacity as a divorce decree, she still stuck to what she called the guidelines. I requested to speak with a supervisor and unluckily spoke with XXXX. I asked her the same thing and she repeated exactly what the same representative had told me. She also told me that a loan assumption can not be done by a co-borrower, which is incorrect and untrue. The company is engaging in the very definition of disparate treatment if only certain legal actions allow for an assumption and others do not. The prior servicer, XXXX XXXX, would have been willing to allow the assumption but the timing for completion did not coincide with the ability to do so.
Consumer complaint received 2023-02-27
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. (FL)

On XX/XX/2023 XXXX XXXX XXXX added a derogatory on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-07-19
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. (PA)

XXXX & XXXX XXXX XXXX showing a new account on my credit reports, I do not know this company I signed no contract, loan, or applications authorizing them to have any of my information.
Consumer complaint received 2023-04-12
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 2023-07-04
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$7300.00} ; XXXX XXXX Owed : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX BalanceOwed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (AZ)

XX/XX/XXXX : completed form to enroll in autopay XX/XX/XXXX : submitted contact form on website to ask when autopay enrollment would be complete. 

XX/XX/XXXX : received email from Edfinancial encouraging enrollment in autopay to benefit from interest reduction. Thinking this must have meant an error in my original enrollment, I resubmitted the autopay form on this date ( estimated start date given via email confirmation was XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX : called Edfinancial to ask why autopay was not taken out this month; requested details on what would happen now that my payment was late. Edfinancial indicated takes XXXX billing periods for autopay to take effect. 

XX/XX/XXXX : received email response to XX/XX/XXXX contact, which only stated they had spoken with me since I submitted that form and to reach back out if questions remain XXXX - XXXX : statements continue to reflect not enrolled in autopay, website always shows estimated start date to be the following month. 

XX/XX/XXXX : submitted contact through website asking when autopay would be set up. 

XX/XX/XXXX : received response from Edfinancial confirming my enrollment form was submitted XXXX, and indicating it takes XXXX billing periods to be effective and my scheduled start date is XX/XX/XXXX. 

At this point, its been XXXX billing periods, and there is no indication the autopay will ever take effect.
Consumer complaint received 2023-07-19
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-19
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-19
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. (LA)

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

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
1. XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 10. XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-04-24
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)

This was put on my Credit Report on XXXXas a Charge Off. I received a letter stating that I have no further obligations regarding this account on XX/XX/2023 and still since then until now it has still been reporting on all XXXX of my Credit Reports. Why is they still reporting it if it doesnt belong to me or if it shouldnt be on my Credit Report?
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I had a problem with XXXX  that I have already filed a complaint with because their employees added 3 lines in my account without telling me. I went to that XXXX  store located in XXXX XXXX in Massachusetts to add a line for my son, but instead one line those employees added 3 more lines and got those phones devices and for almost 2 years I was paying XXXX  for 5 lines three of them I didnt have any ideas of. I tried to get some type compensation from XXXX, they refused, but acknowledged that they were problems with that store and fired all of them. 4 years later this debt collection company name : Jeffferson capital system LLC opened a derogatory account in my credit report destroyed my credit that went from very good to fair. I was waiting for the interest rate to come down to buy a house now all my dreams are gone, since this account were opened, I have a XXXX  that never stops, Im so stressed out and dont know what to do. Please please help me out.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America prepaid edd card was fraudulent used and I reported a transaction that I never made for the amount of {$1600.00}. They never gave my provisional credit they didnt preform any investigations either. This was in XXXX they didnt mail me anything regarding this until XXXX of XXXX. I do have a transaction number for this. I have re opened this twice already and have not received resolution.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX 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 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found nuverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the fair credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 u.s. code 1681e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have tried to dispute on XXXX and XXXX XXXX in regards to the car loan from credit acceptance. I have never gave written permission for this. The total as per my XXXX  XXXX states the balance owed on this account is {$22000.00}
Consumer complaint received 2023-07-20
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. (NC)

I was a victim of identity theft pursuant to 18USC 1028A, I'm requesting XXXX, TransUnion, & XXXX to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.
Consumer complaint received 2023-07-20
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. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (ID)

We have been trying to get BSI to pay our delinquent taxes since XX/XX/XXXX. They were given over XXXX at the time of closing in XX/XX/XXXX but failed to pay property taxes. We have repeatedly tried to get them to pay our taxes and they will not respond with a full accounting. To date they have collected well over XXXX in escrow but now we are getting late payment notices on our insurance too. They refuse to return our funds so we can bring them current yet they are raising our escrow. We dont owe the amount they are making us pay each month and yet they dont pay us interest and they wont pay our bills or return our calls. This is ruining our perfect credit scores too.