davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting 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. (FL)

Dispute Regarding Inaccessibility of Credit Report and Pending Dispute with TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding my inability to access my credit report online and initiate a new dispute. Despite multiple attempts, I have been blocked from viewing my report and told that I can not begin another dispute because of a pending dispute.

This situation has left me unable to verify the accuracy of the information being reported or to address errors in a timely manner. I believe this may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to access their credit information and dispute inaccuracies.

To resolve this issue, I have contacted TransUnion directly but have not received a satisfactory resolution. Therefore, I am seeking your assistance in ensuring that TransUnion complies with FCRA requirements, allowing me to access my credit report and address any inaccuracies promptly.

Please advise on the next steps I should take to rectify this situation and ensure my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely, AB
Consumer complaint received 2023-05-17
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. (UT)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2021-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

Certified mail was received on XX/XX/2021 by Merchants and Professional Collection Bureau , Inc. requesting validation of debt. On behalf of XXXX XXXX of XXXX XXXX they responded with medical records, a DIRECT violation of HIPAA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to any such medical records.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arco Collection Services LLC (TN)

XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to XXXX XXXX XXXX or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, XXXX XXXX did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX  XXXX claim requested in XX/XX/XXXX.
Consumer complaint received 2021-03-16
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. (TX)

On XX/XX/2021 I sent a letter to the credit bureau disputing items on my credit report that were inaccurate. To date, I have not received any response in regards to my dispute. To my understanding, by law the bureau has 30 days to investigate my disputes and provide a response or the items have to be deleted. I thought I would have received a response by now because it has been over 45 days since my initial dispute, but that is not the case.Before submitting this complaint I sent a second letter demanding a response because I need to get these disputes resolved immediately. This process has been aggravating and I feel like I am being ignored because all the items I disputed are still on my credit report.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (GA)

XXXX, XXXX and Experian has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I have been patiently waiting for Experian to increase my credit score for months. I have been at XXXX since last year sometime. XXXX and XXXX have kept up with my credit activities I am at over 600 points with them and Experian has me less than XXXX points from the others and they all should be around the same. They don't report info as they should and the other credit bureaus have been reporting my activities. Yet they ask for me to pay for a boost when I should not have to pay for a boost if my credit is being reported accurately through XXXX and XXXX. I have a credit card for over three months and it just took them XX/XX/2021 to update my records, falsy with a 3 point boost. REALLY!!!! and it's a {$450.00} dollar credit card. Then they having my credit showing like a {$0.00} balance instead of a {$450.00} credit. They are literally affecting my lively hood. I just took out a loan for XXXX XXXX from XXXX  site, got {$1000.00} they didn't report it. My sister added me to her XXXX XXXX and XXXX XXXX cards and they say every 30 days, yet it's not there. I tried to take out a XXXX XXXX card from my email, not knowing Experian was the credit check and Experian email me quickly letting me know of an inquiry staying on my credit, but can't report fresh accounts. I feel like I'm being discriminated against.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-08-13
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: Conn's, Inc. (LA)

Several hard inquiries over the course of years on my report. Dating back from XXXX accounts that i do not recognize, I have contacted these companies to alert them of fraud. I did not give any of these companies my authorization to run my report. Please help me to get this issue resolved. Again, I did not give these companies permission to pull my credit, to authorize my credit report.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS XXXX  XXXX XXXX  XXXX not mine
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CO)

My phone was broken and it was a beautiful day for sunshine. We are going through a rough financial problem and I am not able to pay for that phone to get turned on. I don't know if they have messed with it but I sleep on the couch so she can watch others work. I sent in every single scrap of identity verification documents I could find. I'm on the street now until I get those funds but credit karma doesn't care. They are not looking at the documents to verify even though it was an escalation and they just would close the chat to make me start from the beginning and I have been fighting from every XXXX in my life. Puppy finally dorsy pooron rabbit XXXX.
Consumer complaint received 2021-03-16
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. (NY)

To those that will be involved with the review of this situation, I am reaching out to you because the companies listed have failed to respond in the required time frame to my correspondence complaining of their gross failure in reporting information accurately on my report on XX/XX/2020. I am aware that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 118 days ) and they have failed to maintain an open line of communication with me. I am also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 118 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the XXXX data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2021-03-16
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: Experian Information Solutions Inc. (GA)

I received a letter of credit denial in XXXX of this year, I sent a copy to the three credit bureaus along with a letter including my social, name, birthdate and address. I received a copy of my credit report from XXXX only. Experian claims they didn't understand my letter even though I sent a copy of the letter of denial. XXXX did not respond.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

Around XX/XX/2023 I received a notice from Credit Collection Services saying that I owed XXXX {$370.00}. Their letter was predated XX/XX/2023. I called XXXX and they told me to contact my representative I explained that I did not have one because I had not attempted to purchase anything from them. I, also, called the debt collector and explained the same. I also sent my request through the debt collectors online portal and I mailed a letter requesting documentation confirming that I owed the debt. I was sent a copy of a printed bill from XXXX but not my representative as XXXX and the debt collector ( Credit Collection Services XXXX said that I needed to contact to prove the debt was mine. Again, I explained that I did not have a XXXX agent because I did not request their services. I was met with threats of reporting the debt to the credit bureaus. I have had exceptional credit for over 20 years, I pay my bills and I know who and if I owe anything. Long story short, I panicked and paid the debt because I did not know what else to do to keep it from tarnishing my credit. A few days after my husband paid the debt they reported on my credit report. This resulted in my score dropping from XXXX down to XXXX. Again, this is not nor was not ever my debt and it has tarnished my credit reputation and it causes me great distress.
Consumer complaint received 2023-01-17
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I received a phone call from a USAA number claiming someone hacked into my account. They already had all of my information. They claimed someone was trying to make XXXX payments. They attempted over XXXX transactions all but XXXX were blocked. The XXXX XXXX was for {$990.00} on XXXX XXXX. The XXXX  was the same amount on XXXX XXXX. I called USAA on the evening of XXXX XXXX because my card was denied while buying groceries. They claimed they saw the activity and already had a fraud investigation started. I was adamant about them putting a block on my account and they assured me no further money would be taken out. Today, XXXX XXXX was the XXXX  transaction that went through. Again, plenty more transactions were attempted. I called again and they opened another claim. They were denied. But they did not provide reasons why. I am out {$2000.00} because someone had all my information and pretended to be from USAA. USAA takes no fault even though they confirmed they put a block on my account after the first XXXX.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have a few late charges with XXXX that are still on my credit report. I have paid the account in full, I was never notified of the late payments. This is bringing down my XXXX XXXX, I have called the company and asked for the late payments to be removed and was told to reach out to the credit bureau that there was nothing they could do now.
Consumer complaint received 2021-03-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dobberstein Law Firm, LLC (WI)

This company has made an attempt to sue me for a debt in which the statute has passed. In investigating them I learned that they are crooked and fraudulent people under the guise of lawyers. They need to be investigated and disbarred and the company shut down
Consumer complaint received 2023-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NC)

On XX/XX/XXXX, I received a call from a debt collector representing Security Credit Services. The debt collector informed me that I owe them {$1800.00}. Not having any knowledge of this debt, I asked the debt collector to send me either a contract or/and accounting records that prove this debt belongs to me. Hence, I was told that said records would be sent to me and that it would be marked on my file that I have no knowledge of this debt. Thus, further collection attempts should have ceased until the debt could be verified. 

Today, on XX/XX/XXXX, I received another call from a debt collector representing Security Credit Services asking me to pay the {$1800.00} that is claimed to be owed. Keep in mind, I still haven't received any documents from this company that verify this debt belongs to me despite the previous agent telling me that the records would be provided. 

Lastly, this alleged debt is being reported on my credit report ( s ) and I disputed the debt in XXXX asking for debt VERIFICATION. That being said, I have asked this company for verification of this debt three times ( once in writing and two times over the phone ). Despite all of this, verification of the debt has not been provided and the company continues to negatively affect my credit score and contact me regarding this debt.
Consumer complaint received 2020-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bought my mortgage eight years ago. I have never missed a payment or had a late payment. I have had numerous problems with them. Last year I ended with an escrow overage, but less than the two months they told me I had to have at the end of the year. They increased my escrow payments by {$25.00} a month so that at the end of the year I would have two months overage. Then a month later they told me they were increasing my escrow payments another {$34.00} each month because they ESTIMATED my taxes and insurance will increase. They won't tell me how they estimated the increase or how much each one would go up. They told me there was nothing I could do about it. I am XXXX, XXXX, and raising my XXXX year old daughter. This increase in my payments is a lot to me. I told them they collect a lot of money from Americans each year to make loans with and receive interest on. At the same time they don't pay us any interest on the extra money they collect from us each year. Can they do this?
Consumer complaint received 2023-01-17
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX  XXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX XXXX Balance : {$540.00} ; XXXXl XXXX Balance : {$210.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.