davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-18
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-26
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. (GA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-03-20
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. (MD)

Please see the attached forms. I have been calling all Experian, XXXX and Experian and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.
Consumer complaint received 2022-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I filed a complaint about this directly with XXXX XXXX and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( XXXX XXXX ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX : Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, XXXX XXXX, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a complaint about this directly with XXXX XXXX and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( XXXX XXXX ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX : Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, XXXX XXXX, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. XXXX. XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under 15 U.S. Code 1681i, Paragraph ( 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete
Consumer complaint received 2022-02-26
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. (OR)

Upon checking my credit report, I Was shocked to see a slew of inaccurate information reporting onto my credit. This info has severely crippled my ability to obtain credit, housing, or even an SBA Loan.
Consumer complaint received 2019-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am in the process of trying to purchase my first home. As many people know, it is quite the process. In this process, it was discovered that a dispute was incorrectly listed on my credit report because I never authorized any dispute whatsoever. In my attempt to contact Equifax to resolve this matter so that I could get a loan for my home, I have continued to be thrown through the ringer. I called back in XXXX to have the issue resolved and was informed that it was taken care of only to find on XX/XX/19 that was in fact, a lie. So, I called to resolve the matter and the first person I talked to wanted everything down to the exact amount of my loans in order for me to verify my identity. I understand trying to protect people, but there are other ways you can go about doing that without asking me to carry every document of financial information with me in order for me to answer my questions. After I didnt pass my verification because the process is absurd ... I was asked to send in a written request. So I did. I called back with my lender on XX/XX/19 to try and get this matter resolved faster, as he has all of my information that I need right in front of him and after going through two people and a supervisor that were unable to help me I was then told that i couldnt talk to a manager because he wasnt taking any calls. They wouldnt give me a name for them or anything ... to fix a problem that they should have already taken care of months ago. How is a consumer supposed to accurately adjust their credit report with a company that makes it impossible to do so? Im pretty sure im going to lose my deal on my very first home. Equifax should be punished.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

My mortgage was with TD Bank. The loan matured on XX/XX/2022 with a balance due for deferred escrows, interest and other fees. I have been trying for weeks to get a payoff amount. I've gotten quotes anywhere from {$5700.00} to over {$16000.00}. On XX/XX/XXXX I went to the local branch and after two and a half hours the assistant branch manager received a quote, which I paid immediately. Then 4 days later TD Bank filed a report with credit agencies showing I was late on my payment and ruining my credit.
Consumer complaint received 2022-04-18
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. (TX)

In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 
( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction.

15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 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 2021-03-11
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 — Problem with personal statement of dispute
Company: SUN LOAN COMPANY INC. (TX)

Sun loan company gss been deleted from my XXXX  and XXXX XXXX, and Sun loan Tgen sold the original loan to itself and gave it a different loan number making it look like it's another loan. So XXXX in reporting the same loan twice. The loan was paid IN FULL. Sun loan is not reporting it on BOTH of the loans showing up on XXXX. The two that show up ARE THE SAME LOAN ONE LOAN that they gave another loan number to report. The loan was charged off in 2017 however SUN LOAN continued to add interest on the loan more than 9 times maliciously destroying my credit and then Creating a Fraudulant account and reporting the fraudulent account as a second account Please look into it so you can see the Illegal as well as Malicious and fraudulent actions by SUN LOAN COMPANY.
Consumer complaint received 2022-04-18
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. (NY)

I Sent Experian, XXXX and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXX Bank credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! XXXX!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all XXXX  credit agencies letters ....
Consumer complaint received 2022-04-18
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. (NY)

I Sent XXXX, Equifax and XXXX XXXX certified letters concerning XXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX Credit card, and XXXX Bank credit card, and they refuse to delete accounts from my credit reports I am the victim of identity theft these cards DO NOT BELONG TO ME!!! and under the FCRA they must delete especially!!!! Equifax!! I want you to investigate them they are reporting fraud on my credit report I want them Stopped!!!!! I need you to send all XXXX  credit agencies letters ....
Consumer complaint received 2022-04-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (KY)

Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. XXXX XXXX and midland credit
Consumer complaint received 2021-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

Because of an error on the side of FedLoan Processing, my consolidated federal student loan has been wrongly split into two different loans for the purposes of TEPSLF processing. One of my loans is qualifying for TEPSLF forgiveness but the part of my consolidated loan from an original Direct Unsubsidized loan is only showing 70/120 qualifying payments. This is ALL THE SAME CONSOLIDATED LOAN. It was discharged and paid together consistently. Multiple agents at My FedLoan have reviewed my case and admitted that it is an error on their part and that the CONSOLIDATED, SINGLE loan legally should have been treated as one loan. It was " submitted for review '' over a month ago and no one is able to give me an update or time frame for when they will resolve their own error. I have asked to be in contact with the office that reviews these cases and told that they can not disclose that information and that the office is simply " The Department of the Treasury. '' I have asked for an estimated or average time frame and been told that there is no possibility of doing that. I have asked where they are in the process and been told they do not know and can not give an update. I was told an agent was assigned to my case but when I received an email from that agent, their name was listed as " ( XXXX ) '' and their phone number was " ( P ) XXXX ''. 

it's unacceptable that a {$30000.00} error has no accountability whatsoever or urgency in fixing it, that the " agent '' assigned to me won't share their name, and there is no even estimated timeframe or ability to check on the status. They have admitted they are at fault but that does not seem to change the result.
Consumer complaint received 2022-04-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

We have sent copies of our Land Survey showing we are not in a floor plan but he servicing company continues to place a forced insurance on us with not response to our letters or emails. Our last email was sent on XX/XX/21 and still not response. 
They continue to take money from us with no explanation as to the disputed land survey
Consumer complaint received 2022-04-18
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. (IL)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$600.00} / XX/XX/2022 XXXX XXXXXXXX XXXX / {$11000.00} / XX/XX/202XXXX XXXX XXXX {$4200.00} / XX/XX/202XXXX XXXX  / {$4400.00} / XX/XX/2022