davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauEquifax, XXXX and/or TransUnion ) credit report XXXX My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 


Inquiry details 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 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 XXXXXX/XX/XXXX Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

File Number : XXXX Ref : XXXX XXXX Amount {$110.00} Reported on XX/XX/XXXX To Whom it May Concern, The enclosed letter was provided to me from Transunion in response to a dispute I filed concerning an item that was erroneously being reported on my credit report. 

I filed the dispute online through XXXX on XX/XX/XXXX and they didnt complete their investigation until XX/XX/XXXX, a total of 33 days. 

Because the law states that a credit bureau has 30 days from the time they receive a consumers dispute to conduct an investigation and not 33 days the credit bureau is violating my rights as a consumer and therefore the referenced account should be removed from my file so as to not cause me any more undue hardship. 

Thank you kindly for your assistance in this very important matter.
Consumer complaint received 2019-10-18
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. (MS)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-10
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: MPOWER Financing, Public Benefit Corporation ()

I applied for MPower Financing student loan to study masters at XXXX XXXXy in the XXXX XXXX requested the amount $ XXXX XXXX and I was denied because my projected dept burden at the time of graduation exceeds risk limits as reported. I have no debt both home and abroad. I applied at XXXXXXXX XXXX in the United States 2022 and I did not get the Mpower Financing student Loan. please send me a copy of my credit report. Please, I need finance to do my study in the United States legally and I am passionate to pay back on time.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NY)

After reviewing my account I noticed that their are two hard inquiries from XXXX XXXX XXXX that I was not aware of and did not authorize. One in XX/XX/2022 and one in XX/XX/2022 2022
Consumer complaint received 2019-10-18
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: Experian Information Solutions Inc. (GA)

XXXX ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.
Consumer complaint received 2019-10-18
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. (GA)

XXXX ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.
Consumer complaint received 2022-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again.
Consumer complaint received 2022-12-16
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. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and wilfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : 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 Date opened XX/XX/XXXX Balance $ XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}.
Consumer complaint received 2021-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (MD)

My old car title information, including my and my wife 's personal identifying information was sent to Carvana three times. The form that was provided is the Gift Certification ( form # XXXX ). The first form was provided when old trade-in vehicle was used to pay for the loan. The second time, the Gift Certification ( form # XXXX ) form was sent via XXXX. The tracking number indicated delivered, however Carvana states that it was " lost in the mail ''. I am now instructed to mail a third Gift Certification ( form # XXXX ). I am worried that my information is potentially compromised.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has different product lines that are so confusing that they can not internally communicate to confirm to the customer what services they have or that they are a legitimate company. 

When I received an email from XXXX XXXX ( named simply XXXX on the website ), I accessed my account from the link in the email. The XXXX code sent to my email was copied and pasted into the field and immediately generated a 'suspended account ' email with a phone number to call. Suspicious of a possible spoofed website with a fake phone number, I instead found a customer service phone number on Transunion 's website. After 3 phone calls and 1 chat, the customer service representatives made me less comfortable that the email I received was legitimate : 1 ) first phone call the automated response system had me enter my full SSN and DOB as ID proofing. When a person answered, her first question was to ask my full SSN. When I asked if they could use any other ID elements since I just entered my SSN in the automated response, she did not respond and just hung up. This made me think I was really being scammed. 
2 ) next call the rep did not ask for my full SSN. She asked for my email address and phone number. This was better, but after about 30 minutes she maintained that she could not find any account that I have with them and suggested the email I received was probably fraudulent. I explained that I do have an account since I locked my credit with them, but she said the email was probably 'a glitch '. 
3 ) feeling the need to take some other action, I opened a chat. The person could not help but directed me to a different phone number. I called this number, entered my SSN and DOB in the automated response system again, was transferred to a person, and was immediately hung up on again. 
4 ) Now i XXXX  to see what number comes up for " XXXX XXXX '' and tried that number. The person was able to find my account, confirm it was suspended, and reset the password. She could see no previous communication attempts. She went through extensive ID proofing to allow her to reset my password ( which I appreciate ). However, when I asked her what she could do to verify her identity to me as really being Transunion she could only provide " XXXX '' - not even a last name.
Consumer complaint received 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

In XX/XX/XXXX, received a supplemental tax notice that will need to be paid. Called Mr.Cooper and told them about the notice. They confirmed that since it is a new construction and they have not paid any taxes for the whole year as it is new construction they will pay the supplemental tax bill and asked to forward the notice to mrcoopet tax dept ( sent on XX/XX/XXXX ). Received the actual bill from the town in XX/XX/XXXX and again called Mr.Cooper and told them about it. They told they will pay it and to send the copy of the bill to the tax team. The copy was emailed to their tax team on XX/XX/XXXX. Called again in XX/XX/XXXX first week to find the status of the payment and was told it will get paid on XX/XX/XXXX ( though it was due XX/XX/XXXX ) and was told mr Cooper will pay any addnl fines. Called again on XX/XX/XXXX to get the status as the bill was not paid and was told that Mr.Cooper will not pay the bill and will need to analyze it further. This has caused a delay in paying the supplemental tax bill and would put the responsibility on Mr.Cooper to pay it and for all delays. Have not seen a servicer being so irresponsible and not providing correct details.
Consumer complaint received 2019-10-18
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: JPMORGAN CHASE & CO. (TX)

I had a mileage plus credit card and I lost my job so I was unable to pay the outstanding balance so I contacted chase to see what my options were. the account ended up going to collections before I was able to find another job. I got several settlement letters and once I found another job I was able to settle the account. I contacted XXXX who was the CSR assigned to my account and made arrangements to pay the settlement in XX/XX/2018 in which during our calls I asked here each time if once the settlement is paid that the account would be deleted from my credit file and each time she stated it would be. My credit repair company owner XXXX XXXX also contacted her before and after payment was made to inquire that the account would be deleted and she informed her that it would be. I have disputed this account several times and it still remains on my credit file. the account has been settled and there is no reason for it to remain on my account and I want it deleted ASAP!
Consumer complaint received 2017-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

On XX/XX/XXXX I attempted to speak to Loan Care on behalf of XXXX XXXX XXXX. They stated they had not received a third party authorization that I had already sent. Following this attempt, I called again on the XX/XX/XXXX after faxing in the authorization on the XX/XX/XXXX again. They then said the modification documents I submitted were blurry and so I emailed them to avoid further issues. On XX/XX/XXXX, after my client brought to my attention that Loan Care kept calling him insistently requesting documents we had already sent multiple times, I emailed Loan Care again with a Cease and Desist notice, 2 different forms of authorization and I was confirmed an " LTK '' number had been opened via email. Today, I again called Loan Care and the agent who answered stated that the LTK number I provided ( for which email confirmations are attached ) and she could not give me any information. 
XXXX XXXX is trying to resolve his delinquency before having to face foreclosure action yet Loan Care is making it impossible and almost pushing us to the verge of a case. They are NOT to contact XXXX XXXX as he is represented by an attorney and any and all communication should be through our office, specifically me, XXXX XXXX, as the Legal Assistant handling his file. 

We need a response and an written update to his modification review as soon as possible. We need his account to be updated and show us as a third party authorized and we need Loan Care to refrain from communication with our client.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX formerly a XXXX Account # XXXXhave blatant inaccurate information and according to the FCRA statute 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. 

However the company reporting it to my credit with the same name and address is saying that this is not there account yet in their name they are reporting it to my credit. If this is not their account it should be removed because it is inaccurate. 

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2019-10-18
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. (FL)

I am requesting to re-investigate all accounts which I listed on Identity Theft. All accounts are not belong to me or transactions made by me. Somebody open all accounts instead of me and used personal information. Please remove negative information from my credit report because you do not have enough proofs that it was me.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CO)

Specialized Loan Servicing is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and XXXX on the SPEC LOAN SV partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from Specialized Loan Servicing. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from Specialized Loan Servicing. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (GA)

I was contacted by XXXX back in XXXX via phone about wanting a full payment or arrangement immediately for {$1600.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They let me know they had acquired my Regional Finance account, which I hadn't heard anything from anyone in years about, telling me they're going to start garnishing my wages if they don't get their money and arrange something. I never knew or gave permission for my information or account to be sold off. 
according to 15 usc 1692c ( c ) If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communications. In reporting to my consumer report, that's a form of communication and also I never knew or provided permissions.
Consumer complaint received 2019-10-18
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: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement datedXX/XX/XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-10-18
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. (CO)

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.