davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (KY)

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 or delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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. (NY)

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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2023-04-07
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I applied for a loan and the loan was denied because my mortgage statement indicates I deferred a loan payment, which I didn't request to be deferred and through discovery, the mortgage company stated I contacted them to request a payment deferral due to a financial hardship, which I never requested and later, it was stated in their response, my account was reviewed in XX/XX/XXXX, and an investor requested the payment be deferred and I was never notified of the decision that was made on my mortgage account by the mortgage company, which I had been pay my payments during the start of my loan modification with XXXX XXXX and the other mortgage serving companies, with no issues, until the moratorium that was put in place by the government on Rent and Mortgages, the company deferred my payment which I always paid within the same month, the payment was due and I was denied the loan I applied for with my bank. 

On XX/XX/XXXX, I XXXX a cashier 's check to XXXX in the Ombudsman Office attention from my XXXX XXXX account to pay the deferred payment, which a signature was requested and the confirmation of delivery shows the company received the payment on XX/XX/XXXX. 

I am requesting my account be updated to reflect the payment for the deferred payment, since I never requested to defer my payment and they agreed to remove the late fees as a courtesy, if I could show that I had PAID my XXXX, XXXX and XXXX mortgage payments, which I sent them and it was later stated I didn't defer my payment but the reviewer on my mortgage account in XX/XX/XXXX, deferred the payment.

If Covid and the moratorium never happened, my payments would have continued as I was paying before the end of the month, prior to SPS Mortgage Servicing picking up my account from XXXX XXXX in XX/XX/XXXX.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NY)

This is a follow-up complaint on a previously filed on XX/XX/XXXX ( XXXX ). At that time I reported I was being disturbed by phone calls from PNC attempting to collect debt. The complaint was logged and I was assured in writing by PNC that my phone number would be taken off the call list. I have JUST ( XX/XX/2019 around XXXX Eastern Time ) received ANOTHER phone call from PNC. It is clear to me that PNC does not care about the people it does business with, let alone the US government. I DEMAND that my number be IMMEDIATELY taken off the call list. Should I receive another phone call from the PNC bank, I will be consulting other legal avenues available.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 around XXXX I got a fraud alert for a global transfer from Citibank that I never made for 2000.00 Right away I responded no and called the fraud dEpt. I went on and checked my account to realized my savings account was wiped clean. A prior transaction was made for 4500.00 around XXXX that I had no idea about so I was a victim of fraud for a total of 6500.00. I immediately called Citibank and told them someone was stealing my money. They closed my account and the following day I went to the branch and had to open a new one. I also filed a police report right away because I want to press charges on whoever stole my funds.I had a claim put in immediately on the XXXX two days later they denied it I was LIVID. I also received in the mail paperwork from Citibank dated XX/XX/XXXX how the global transfers were cancelled due to lack of information so how someone stole my money is beyond me!!! Being Im a consumer of Citibank for 18 YEARS. They put in another claim XX/XX/XXXX. Today is XX/XX/XXXX they are now denying it again. Somehow someone broke into my account and Citibank let them get away with ALL my money.I am beyond disgusted with them I called infuriated and all they said was they will make another claim a THIRD claim. Its been 16 days and I still do not have my funds. Im a single mother that works two jobs just to get by. ALL my money was in that savings account. Please help me get my money back I am a victim and I dont know who else to go too.
Consumer complaint received 2023-04-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-04-05
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list o items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX BANK XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : - XXXX CARD XXXX Balance : {$3000.00} XXXX CARD XXXX Balance : {$2900.00} XXXX CARD XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX OF XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX BANK XXXX Original creditor XXXX XXXX ASSOC. XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Original creditor XXXX BANK XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$110.00} XXXX XXXX Original creditor XXXXXXXX XXXX XXXX Balance : {$860.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a collection account that is on my credit report from XXXXXXXX XXXX XXXXXXXX. The amount has already been paid with the original creditor XXXX XXXX. The confirmation number of this payment is XXXX. The account # is XXXX. The amount paid was {$660.00} directly to XXXX XXXX and not a unaffiliated third party. I do not recognize this third party. I want them to cease and desist all communications with me to include my consumer report. I am using my right to opting out of any unaffiliated third-party gaining access to my non-public information. 

Please call XXXX XXXX to verify this payment.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (OK)

I was shopping at XXXX. I was asked if I wanted to apply for an in-store credit card for a percentage off of my purchase. I stated no. I did not give them my personal information. I did not give them permission to run a credit check on me. I told them I did not want their credit card. Several days later I get a notification from my credit reporting service that I have a hard inquiry on my report now from XXXXComenity in which the card was denied. A card I never applied for in the first place. This lowered my credit score from XXXX down to XXXX. Im XXXX years old and Im trying my best to build my credit. This is absolutely unacceptable. Once I received the denial letter today. The reason I was denied was because my Social Security number was not provided. It wasnt provided because I never applied for the card!! This is fraudulent activity and I dont appreciate it and I want it removed from my credit report immediately and my credit score restored to what I have worked so hard to get it to be. Completely unacceptable and I believe due to my age they thought I wouldnt catch it.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

In XX/XX/2017, I started a new job in XXXX  and rented a one-bedroom apartment in XX/XX/2017 from XXXX XXXX  ( XXXX XXXX ) on a 1-year lease. 

Due to problems on the job and a family issue ( my family lived in XXXX XXXX XXXX while I worked in XXXX ), I had to break the lease in order to relocate back to XXXX, and I paid an extra 1-month rent to break the lease based on the lease agreement. I also paid up my apartment rental fees up to date. 

I ensured to clean up the apartment before I left the XXXX XXXX. No debris or items was left-over. Nothing was damaged either. By cleaning, I meant I cleaned-up the bathroom, kitchen and the carpet. I did not collect my security deposit and the garage deposit before I left. 

However, after I had left the apartment in XX/XX/2017, XXXX XXXX   started harassing me with another bill, claiming the stove and the bathtub was not cleaned enough. 
I explained how I had taken my time to clean up the kitchen, the bathroom, living room, and the bedroom. All my explanation fell on deaf ears and XXXX went on to charge off a {$420.00} that they made up, to a collection agency, who in turn forwarded it to the credit bureau. The collection has already hit my credit account status and had brought down my credit score from over 700 to just above 600. 

I have a 3-bedroom rental property in XXXX as well and we don't treat renters like I have been treated - i.e. XXXX wants me to essentially bring the bathtub and the kitchen to a NEW status after it has been used by several tenants. It is a known fact everywhere, that both landlords and new renters have to do a little cleaning to move in on day 1. 

Right now, the {$420.00} undeserved bill is hurting my credit score. I need the assistance of the credit bureau to help me assess the ill-treatment I have been accorded by XXXX XXXX. 

Thanks, XXXX XXXX
Consumer complaint received 2018-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (WI)

- Company name : FIRSTSOURCE ADVANTAGE , LLC - Dates of contact : XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX   - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX - XXXX XXXX - call w/o voicemail XX/XX/XXXX -  XXXX XXXX   - call ( 1st voicemail ) - Complaint : As referenced above, Firstsource Advantage , LLC has attempted to contact me ( 7 ) times. Firstsource Advantage , LLC has not sent me any letters attempting to inform me of the claimed debt nor has Firstsource Advantage , LLC given me an opportunity to dispute claimed debt. 

On XX/XX/XXXX I recieved my ( 1st ) voicemail from Firstsource Advantage , LLC informing me of their debt collection attempts, along with a 'reference number ' and phone number to contact their offices through. 

On XX/XX/XXXX at, or around XXXX XXXX  I researched the number I was contacted by through XXXX and found Firstsource Advantage, LLCs ' contact number ; I informed an individual that I demand Firstsource Advantage , LLC makes no further attempts at contacting me. I then called the number I was originally contacted by [ XXXX ] and informed a second individual that I demand to not be contacted any further about any claimed debts. 

Firstsource Advantage , LLC is in clear violation of FDCPA Section 1692g ( a ) which requires a debt collector to send a written notice of a claimed debt to a consumer within five days of the collector 's initial attempt to collect a debt and specifies what information the notice must contain.
Consumer complaint received 2019-04-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have disputed the reporting of the US Bankruptcy court filing with Experian 4 times and again today for the 5th time. Experian has done a reinvestigation into the dispute but has refused to provide the contact information for the verifier of the Bankruptcy filing. Experian continues to list the source as the US Bankruptcy court however the  Court has provided in writing that they do not verify the case filings, nor do they have a department that does such verification. The use of electronic verification and third party vendors is prohibited from validation sources. It must be the source the US Bankruptcy court itself. I have supplied the attach documents to Experian, Spoke to 2 supervisors and 3 agents. The item is still being reported with no  information released as to how the verification was completed, who completed the verification and reinvestigation from Experian. This is my 5th attempt to have them remove the item since it is not able to be verified with the source. The following FCRA rules provide for deletion and I have sent the attached letters making a deletion  requests. They are also reporting late payments for XXXX XXXX when the documentation clearly shows payments. 

FCRA Section 611, paragraph ( 6 ) ( B ) ( iii ) FCRA Section 609 a ( 2 )
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

After graduating from XXXX School in 2005, I attended XXXX University. During my tenure as a student, I acquired significant private student loan debts ( mostly through Sallie Mae, now Navient ) to try to stay afloat. I was not able to secure much federal aid due to my parent still claiming me as a dependent. I did not end up attaining a degree from XXXX University nor have I since entered a career space based on my studies there ( XXXX XXXX ). I was never living some high life with a new car or a nice place to live. 

After dropping out of XXXX due to financial reasons -- looming student loan debts with no means to secure enough educational funding to continue -- I eventually entered the workforce via the best means available to me without a degree. Despite having steady, salaried work for years ( 30-45k per  year ), I could not make a dent in my loan debts being barely able to afford the monthly minimums on top of basic needs ( food, shelter, transportation ). There were multiple times after I lost my most recent job ( XXXX ) and I returned to school, that forbearance was offered to me as an escape from default. 

Currently, I am an a better financial position in a secure, degreed career path. However, the private loans still loom in greater amounts than ever before. I'll be able to scrape and scrounge to try pay them back in the next 10-15 years while any chance of owning a home or moving forward in life before turning XXXX quickly vanishes.
Consumer complaint received 2018-04-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I spoke with Navient last month in XX/XX/XXXX. I was enrolled in a 15 month program for my private loans - I was given a 15 month program for my loans at a 1 % interest rate as I was struggling to make payments. This program worked out very well for me. My income was not increased this year. I called in XX/XX/XXXX ( program expires in XX/XX/XXXX ) ; I was told that I should call back in XX/XX/XXXX after the payment when the program expires. I called last week, XX/XX/XXXX and spoke to a number of representatives. I was told that my loans were NOT ELIGIBLE for a rate reduction program again. The programs are now only 6 months in length and must be applied for every 6 months. Ridiculous - as I do not have time to call and spend lengthly amount of time on the phone. The representative I spoke to told me I was not eligible, but 2 different representatives could not give me a reason why. I was just told it is not available for you. I explained that I absolutely need to be in this program, I can not afford payments and I would be at risk for default. I was told " the software resets over the weekend we will schedule a callback on monday at XXXX to review ''. 
It is a little past XXXX on monday now, still waiting for this phone call.
Consumer complaint received 2019-10-01
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. (MO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX XXXX ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( XXXX ) bureaus to remove this however, I have not been successful.