davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Previous Name : ( Last Name changed : XXXX XXXX XXXX XXXX ) XXXX TRANSUNION Credit Bureau I have attached the following documents to verify my identity ; My XXXX - Showing Current Address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and Current Legal Name ( XXXX XXXX XXXX ) Social Security- With Previous Last name, waiting for new XXXX to be issued with new legal last name. 
License - With current legal name and previous address. 
Credit Card Statement - Showing Legal Name ( XXXX A XXXX ), Current address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This also proves ownership of the missing account stated in this dispute request. 

You MUST fix this issue asap and not stall to Verify my identity or you will open up yourself to XXXX. 


It has come to my attention that my credit report is currently XXXX XXXX inaccurate. At the moment you are not reporting any accounts even though I had credit for years! 
I previously disputed some accounts that were open to identity theft and were removed, however it seems like XXXX of them has reappeared. It has also come to my attention that you have blocked my current address from reporting to my account. My current address ( XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) was previously involved in fraud from some accounts that were opened without my consent and charged off. I requested these accounts to be removed and blocked since they were a result of identity theft. 
However, this address is my actual current address and should not be blocking my legitimate accounts from reporting. A family member from this address was opening accounts without my consent, however that was already resolved and SHOULD NOT affect my legitimate accounts. Please remove this block on my current address and investigate the accounts not reporting on my report and add them ASAP. I never requested to put a block on this address, only requested to have a block on those old accounts that were actually a result of identity theft. 




ADD MY CURRENT ADDRESS IMMEDIATELY. 

I have pulled my report from a monitoring website and I will list all of the accounts that are missing! I demand an investigation and fix for my report! 

I ATTACHED A LIST OF ALL ITEMS THAT NEED TO BE ADDED TO MY REPORT.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX account there are two XXXX  XXXX accounts showing on my credit report when there is only suppose to be one account not a duplicate account Date open XXXX-13 Amount XXXX
Consumer complaint received 2022-08-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Transunion admitted on investigation results of using old info and never validating any the debits listed below. 
Under 15usc1681 parts A, B, C The Federal law allows me as the private person due process and transunion has broken Federal law. 
1, XXXXXXXX XXXX 2, XXXX XXXX 3, XXXX XXXX XXXX card ( bank ) 4, XXXX XXXXXXXX XXXX card ( bank ) 5, XXXX .account paid with promise of removal and still being reported. 
Also this account was reported as fraud and still on my credit No investigation was done. 
6.XXXX XXXX XXXX XXXX XXXX 
3 accounts all 3 never investigated all was still on my credit from past remarks only. 
7, XXXX XXXXXXXX XXXX bank No investigation was done. This was reported as fraud.Also being reported by Original creditor and XXXX XXXX which violates Federal law. This shows no investigation was done. 
Please file complaint against transunion credit for failure to abide by federal law and 15USC1681 parts A, B, C All pertaining to failure to comply with federal law and credit reporting guidelines. 
Only outcome is acceptable is the removal of all these accounts on my negative transunion report. 
And done with prejudice under federal law allowed to me.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (OK)

I have a car loan with Exeter Finance. They told me that they only recently allowed people to start making payments towards the principal of the loan which is shady customer service. 
I made an extra XXXX $ payment but because I did it on the website they said they wouldnt put it towards the principal because I did not call it in. Which they never told me I had to call it in. Then on XX/XX/2019 I called in an extra payment towards the principal of my loan for {$100.00} even. And I especially told them I wanted it to go only towards my principal and all they did was apply it to my account and change the date of my next payment. I called them and told them to fix it but it's taken multiple calls, and days to fix a simple issue. I do not trust them and will not be doing business with them in the future.
Consumer complaint received 2017-05-25
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. (FL)

Initiated dispute with TransUnion. Transunion responded by indicating the information is correct and continues to show this account in a derogatory manner. The account in question,   XXXX   was included in a Ch.  XXXX  bankruptcy, case #  XXXX  and has exceeded the 10 years and in violation of The Fair Credit Reporting Act.   Attached is documentation regarding this matter. This information is NO longer shown on either  XXXX  or  XXXX  credit agencies since the time allowed has passed. I am requesting this mis-information be removed immediately.
Consumer complaint received 2023-04-10
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)

My name is 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. Please delete the accounts : XXXXXXXX XXXX XXXX Date Opened : XXXX  Balance : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a bill for a credit card under Capital One. Then later on, when I pull my credit report to prepare for a mortgage loan, on my credit bureau report, there is an unpaid balance of XXXX under my name and account number is XXXX. 
However, I never had any credit card account with Capital One. I only have a debit card, and my Capital One app also doesn't show any of Credit Card. 

XXXX and XXXX XXXX apps also didn't show this card. 

I don't understand why do I have an unpaid balance although I have never opened a credit card with Capital One. 

Please help to address this and remove this account
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I was a patient at a medical XXXX practice.I had XXXX  tests done resulting in {$1600.00} bill. An agreement between the medical practice and myself was reached to pay in monthly installments. many months passed and all bills were paid on time. The Doctors of the medical practice decided to dissolve the practice. They decided to sell all accounts receivable to a debt collection company, thus giving them immediate cash, my remaining debt was {$370.00}, I was notified that another agency would be taking my monthly payments. I was not informed that this would effect my credit score. It shows up in the credit bureaus as " a bill gone to collection '' sending my credit score from XXXX to XXXX this resulted in me being denied refinancing on my home the cancellation of a credit card which has resulted in many other hardships. I have tried to resolve this with the medical practice, but there records dept is an answering machine with a full mail box. the credit bureaus are now investigating this issue. The credit bureaus are the ones that told me this would come under " unfair practices '' and report it to the FTC, thus this complaint.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC (NJ)

I have reached out to the company on multiple occasions stating that my payments are being returned. Every payment i was making was being returned, I contacted them they stated that the system was blacklisting my cards. They even negotiated for me to pay XXXX XXXX so my account could be current and they still rejected my payments.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IA)

I sent a notarized Affidavit to Experian via certified mail and have not been notified that a investigation has been started and or is in process.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX for XXXX XXXX is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OR)

I closed this account in XX/XX/XXXX, there was a balance of {$97.00}, that should not have been charged. I spoke with XXXX and was told the amount would be written off. Now 7 years later with no notice, Im sent to collections. I no longer have all my notes from XX/XX/XXXX. I spoke with XXXX XXXX at Enhanced Recovery on XX/XX/XXXX, explained the situation and was told he has put in a dispute with XXXX. 

I dont understand how 7 years later, Im sent to collections with no notice, is that legal.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I purchased a XXXX credit card on XX/XX/XXXX. Before as well as aftet I was approved for the credit card ; I was informed that I could shop in stores immediately with a 16digit account number that I was provided. On XX/XX/XXXX I dropped my vehicle off for {$600.00} worth of services. When I arrived later that day to pick my vehicle up I was advised that I needed a physical card to pay for the services. It is now day 13 of me being without my vehicle! I have went to management and received no helo what so ever. I am soon about to seek legal help since bobody seems to care.
Consumer complaint received 2020-02-16
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. (FL)

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-07-31
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. (VA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT XXXX XXXX, U.S. Bankruptcy Court
Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Integrity First Financial Group (IL)

In XXXX of XXXX I made an application with Integrity First Financial Group for a non-credit qualifying FHA Streamline Refinance of my primary residence. On XXXX XXXX, XXXX I received an email that was sent unsecured and unencrypted from the lender with all of associated loan documents that included non public personal information such as my Social Security number and birthdate in a pdf format attachment. 
Upon receipt of the unsecured email I contacted the loan originator that took my application and advised of the breach of security and the potential compromise of my personal data as a result of the unsecured email that was sent. On XXXX XXXX I received yet another unsecured from the lender that also contained my personal non-public information. I placed a second complaint to the lender of the potential compromise of my personal information. I eventually withdrew my application as result of excessive fees the lender was charging. 
Skip ahead to XXXX XXXX, XXXX : As a customary practice for at least the last 16 years I prepared my income tax returns utilizing XXXX software. I filed my taxes electronically on XXXX XXXX of XXXX. Upon filing my XXXX XXXX 's I discovered that the electronic tax returns were rejected by the IRS for the following reason : XXXX Taxpayer TIN in the Return Header must not be the same as s TIN of a previously accepted electronic return for the return type and tax period indicated in the tax return. I contacted the IRS to get details on why my tax returns were being rejected, this is when I found out that my tax returns were fraudulently filed by a third party. In meeting with the IRS it was determined that the possible source of the data breach was a direct result of my non public personal information sent via an unsecured and unencrypted email
Consumer complaint received 2022-02-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

on XX/XX/2019 RECEIVABLES PERFORMANCE had placed a collection account on my credit report for {$12000.00}, as original creditors are XXXX, which I never made any business with XXXX at all, I have called them on the same day to figure out what's this about, they gave me the wrong social security number does not even belong to me, and I have asked about any paperwork from XXXX to be sent to me but they refused to even discuss that and she hung up the phone soon I start to ask about my right to get any paperwork from them or from the original creditors, I have called them a few times after asking for the same thing and they still refuse even to talk to me, that's illegal act and it's destroying my financial life I made contact with the original creditor ( XXXX ) they gave me wrong personal information about who has the account such as social security number, address when I called the collection company again to tell them about what happened with XXXX, that's they reported to the wrong person they hung up the phone
Consumer complaint received 2015-12-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MN)

I have been dealing with numerous issues with this company, and since my last complaint when the messed up on my escrow and accidently cut me an overage check ..the agreement with XXXX a supervisor whom I spoke with on XXXX XXXX 2015, Phh had cut me an overage check for my escrow which should not have been dispersed to me because their system thought my home insurance was paid for XXXX 2015 but it had not been that 's why the check was cut to me, which caused my to have an underage in my escrow..When I spoke with XXXX we agreed to take the escrow overage and break it into 24months, so my house payment would be XXXX and some change so I rounded up to XXXX. On XXXX XXXX my bank account was charged XXXX causing my bank account to go negative XXXX, and that caused a XXXX over draft fee, so PHH charged me an amount we did not agree upon, and caused my banking account to go negative total of XXXX. I have had nothing but problems with this company, I never receive my supervisor call backs when I request them.
Consumer complaint received 2023-01-27
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These unverified must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these unverified, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be updated or repaired as soon as possible. 
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
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows unverified and fraudulent item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.