davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (FL)

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 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, IT IS MANDATED THAT CONSUMER REPORTING AGENCIES XXXX, XXXX AND TRANSUNION ARE REQUIRED TO FUNISH A WRITTEN NOTIFICATION TO ME XXXXPON REQUEST , DETAILING THE XXXX  EMPLOYED TO VERIFY THE ACCURACY AND COMPLETENESS OF THE INFORMATION ON RECORD .THIS INCLUDE PROVIDING THE NAME AND ADDRESS OF ANY INFORMATION PROVIDER CONTACTED DURING THE VERIFICATION PROCESS, ALONG WITH THEIR CONTACT NUMBER. OVER 30 DAYS AGO, I SOLICITED DOCUMENTATION TO SUBSTANTIATE THIS ACCOUNT, YET I HAVE RECEIVED NO SUCH DOCUMENTATION, WITHOUT LEGITMENT PROOF BACKING THESE ACCOUNTS, IT HAS NO BASIS TO BE INCLUDED IN MY CREDIT REPORT.
Consumer complaint received 2022-01-21
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: Maximus Federal Services, Inc. (CT)

Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX  XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (GA)

I have disputed and BOTH CREDENCE RESOURCE MANAGEMENT IS REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) I have attached police report and identity theft report
Consumer complaint received 2024-03-20
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)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2019-09-24
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: SYNCHRONY FINANCIAL (OR)

Syncb/Amazon has taken a hard inquiry on my credit. I am unaware of applying for any new credit cards, or anything that would allow a company to check my score. I dont know what the inquiry is for.
Consumer complaint received 2024-01-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (MO)

On XX/XX/XXXX, I took out a {$40000.00} personal loan from Discover at a 22.99 % interest rate that was supposed to mature on XX/XX/XXXX. Shortly after taking out this loan, I discovered that I didn't need this money. So, I returned all {$40000.00} to Discover 20 days later on XX/XX/XXXX. Since Discover 's website boasts a " 30-day satisfaction guarantee '' stating that " If you return the proceeds of the loan ( all amounts advanced to you or on your behalf ) within 30 days of the date of disbursement of your loan, we will not charge you any interest or origination fee ( if applicable ) and your loan will be canceled. ", I figured that Discover would simply cancel my loan and not charge me any interest or origination fees as their website states. 

However, after two days of not seeing my loan canceled and the interest fees remaining on my account amounting to {$500.00}, I decided to call Discover to figure out what was going on. When I did, I spoke to two ladies ( XXXX and her supervisor, XXXX, I believe ) who work for Discover. Both ladies acknowledged that Discover 's personal loan website does offer a " 30-day satisfaction guarantee ''. However, they apologized, said Discover no longer offers this " 30-day satisfaction guarantee '' and hasn't since XX/XX/XXXX, and told me that I would still be responsible for any fees associated with my loan. So, I requested that my case be escalated within Discover, which they obliged and told me that I should hear something back from them in the coming days. 

A couple of days later, XXXX called me back and told me that unfortunately, Discover was going to uphold their decision to not honor the " 30-day satisfaction guarantee '' that they listed on their website and that I would still need to pay the {$500.00} in fees that I supposedly accrued during the 20 days that I had their money. However, they assured me that they would take down anything referring to the " 30-day satisfaction guarantee '' from their website. It has been a few days since I spoke to them ( Discover ). My account still shows that I owe them {$500.00} and the information related to their " 30-day satisfaction guarantee '' is still on their website.
Consumer complaint received 2024-03-20
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)

These inquiries were not approved by me and I strongly suspect their legitimacy. I beseech you to conduct a meticulous investigation and promptly erase them from my credit dossier. I have provided relevant documentation for your perusal.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (NY)

I paid off a XXXX  account with sources receivable management in XXXX, they have not reported my accounts since XX/XX/2020. Called four times still no response as to when they are going to report accurately.
Consumer complaint received 2022-10-06
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)

Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # 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 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 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC (FL)

XX/XX/XXXX Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE Original Loan # # XXXX, New Loan # XXXX Selene Finance, It has been brought to my attention that Selene Finance had held the original loan # XXXX from which was sold/transferred from XXXX Financing XXXX XXXX. Selene Finance held the loan # XXXX from XXXX. The loan was then sold/transferred back to XXXX XXXX XXXX XXXX. Under the new loan # XXXX that was created by Selene Finance the loan was transferred/sold back to Selene Finance XXXX. On XX/XX/XXXX, Selene Finance sold/transferred the loan to XXXX XXXX  XXXX 

Selene Finance had no authority to offer any loan modifications, collect any payments consisting of principle, interest, and escrow. Selene Finance also had no authority to sell/transfer the loan because the loan was not held by Selene Finance XXXX XXXX the loan was paid off. In XXXX, according to legal official records filed in the XXXX XXXX XXXX XXXX the loan was authorized and held by a Government/State entity called The Florida XXXX XXXX and XXXX official records states Satisfaction Of Mortgage Note and Loan Modification Agreement in XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, a customer service representative for Selene Finance and she stated within the documents that the loan has been paid off. I already had acknowledgement of this information.What is in question, why did Selene Finance sell/transfer the loan to XXXX XXXX  , when the loan was already paid off. 
I AM REQUESTING ALL DOCUMENTS PERTAINING TO THE LOAN, FROM BOTH LOANS # XXXX, AND NEW LOAN # XXXX I am also requesting to be reimbursed : ALL PAYMENTS INCLUDING PRINCIPLE, INTEREST AND ESCROW FOR THE YEARS XXXX, XXXX, XXXX, XXXX, XXXX, PAID TO ME WITHIN 30 DAYS OF THIS LETTER. 

On XX/XX/XXXX Selene Finance generated a letter, NOTICE OF DEFAULT AND INTENT TO ACCELERATE. According to the Florida Office of Financial Regulations, this falls under XXXX XXXX practices. Selene Finance used unethical and unfair tactics generating a false document to receive money from a loan that was already paid off. 

In closing, there will be a complaint filed with CFPB and HUD Department XXXX Housing and Urban Development about this matter. Also attached to this letter is the Legal document, Satisfaction Of Mortgage Note and Loan Modification. 

Govern Yourselves Accordingly, XXXX XXXX
Consumer complaint received 2023-03-07
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2023-02-15
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I reached a settlement with Portfolio are over Associates and per the attorney and their website the file should be removed from my credit report. Instead I got notification that it was updated as settled for less then full amount NOT removed. I have attached proof of payment, a screenshot directly from their site stating they would REMOVE as well as communication from their attorney.
Consumer complaint received 2021-10-21
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. (CT)

About 2 weeks ago 3 accounts just appeared on my Equifax credit report that do not belong to me. There are 2 " XXXX '' accounts and 1 " XXXX '' account. I have not now or ever had any of these cards or accounts. I immediately attempted to dispute through " My Equifax '' account but those accounts state " Consumer Disagrees with info, re-investigation in progress ''. I have never disputed these accounts because they have never been on my credit report because they do not belong to me. I do not believe this to be fraud or identity theft. I believe that Equifax has mixed my credit file with someone else 's and I demand that this error be corrected immediately.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I applied for a XXXX XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX   credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My only address is " XXXX XXXX XXXX XXXX XXXX, FL XXXX ''. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Consumer complaint received 2023-03-07
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. (AR)

Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in XXXX XXXX XXXX Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to Reach out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By XXXX to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan
Consumer complaint received 2023-07-17
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 need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.