davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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. (AR)

i have asked XXXX and Transunion to remove the following unauthorized inquiries as they are not correct and I have not given permission for such inquiries. 
XXXX bank 3 times XXXX XXXX 1 time XXXX XXXXl 1 XXXX XXXX XXXX 2 times remove all of these unauthorized inquiries immediately
Consumer complaint received 2018-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have made several phone calls to Equifax credit bureau since XX/XX/XXXX to remove three items off my credit report. The items are from XX/XX/XXXX, each item total {$120.00}. Each item is from XXXX XXXX XXXX via XXXX XXXX and XXXX deleted these items off within a matter of seven business days. I call and verify name/dob/ss # /mailing address-I am told the lender states these three items are accurate. I believe this to be false, or else the other two credit bureaus would have never deleted these items. 
However, I have NEVER received nothing in writing from Equifax stating the results of the dispute. I no longer have reference numbers-when i called back to follow up, it was explained to me that the numbers i provided did not match what was on file. I need help please.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed a list of accounts that were not verified or accurate and to remove them because they are not reporting accurately. I also demanded a reinvestigation and to provide evidence. Transunion did not furnish any evidence in the investigation. Transunion did not provide a description of how these accounts were verified. The credit report is not accurate or complete with the mentioned accounts still reporting. 
everything is still the same and according to 15 USC 1681 I they're supposed to do this treatment of inaccurate or unverifiable information and delete it.15 USC 1681 E, B they're supposed to ensure this accuracy of report and shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates which they have not. 
15 USC 1681 s-2 this is this is supposed to happen as well report information with actual knowledge of errors The accounts still in question : XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2600.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$420.00} Closed XXXX  XXXX Reported : XXXX XXXX, XXXX + {$480.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX XXXX XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing DEPT OF ED/XXXX Reported : XXXX XXXX, XXXX + {$1700.00} In good standing XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed Transunion really did not do a reinvestigation or provide any details of the investigation and lied on official documents saying they did something when they did not. And I have all the evidence to prove my case.
Consumer complaint received 2022-07-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (NY)

I received an alert that XXXX pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did XXXX report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

For the last three months I have called Experian to cancel my membership. I call each day I am notified of payment being taken and every time I am told its been cancelled however the following month they bill me again. Today was my third time calling to fix this.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc. (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-04-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXX Phone XXXX Fax XXXX I have been trying to contact HSBC concerning my Deed of Release. They are the servicing agent listed on XXXX. MIN:XXXX I need to clear this matter up ASAP. HSBC is " Clouding my Title '' and preventing me from getting a loan.
Consumer complaint received 2020-02-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$10000.00}, {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS -- 1. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (GA)

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (MA)

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, XXXX XXXX  verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.
Consumer complaint received 2020-02-13
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  and Transunion are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this  however, I have not been successful.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX Account XXXX : XXXX
Consumer complaint received 2021-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I work in the XXXX XXXX it was affected by Covid-19. I went from working full-time hours w/ monthly bonuses to part-time hours with no bonus, almost a 50 % decrease in income. I have been in forbearance, but was informed that this is no longer available. I asked about lowering the payment, but they could only lower the payment about {$34.00} using an extended borrowers repayment program, extending my loan repayment terms to 35 years. The monthly payment would be & XXXX. They then offered a rate reduction modification program that would lower my payment to {$490.00}, so only a few dollars less than the previous option. 

The rep, XXXX informed me that if I wanted to crate my own payment amount l, it requires me to provide Navient with an itemized list of all of my monthly expenses, and that it would require manager approval. She stated that manager approval options are slim.

She then resulted to telling me that they dont report to the credit bureaus until after three months of non payment, so I wanted to wait and figure it out I could. That was disheartening to hear, especially knowing that they would continue to call my phone asking for payment and not provide any options for three months. 

I also emailed Navient in the online portal and I received a message to call. 

The most that could offer in repayment is around {$150.00}, and that only of overtime hours are offered at my job.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED (GA)

I paid my HOA bill for this year and last year. My HOA turned it over to a collection company. I emailed the collection company a copy of my bank records. The collection company put it on my credit and it has damaged my credit. I paid {$500.00}, {$250.00} in XXXX and {$250.00} in XXXX. The bill was {$350.00}!
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AFNI INC. (NY)

I am applying for a mortgage. I received a credit report on XX/XX/22 with an adverse item on it - a {$1600.00} XXXX defaulted balance. I have NEVER used XXXX for any reason. The item was reported by AFNI Collection Agency. Phone XXXX. They told me it was an XXXX cell account number with an address in NJ. I told them I have never lived in NJ, and did not have such an account. AFNI said they would send me a fraud reporting kit and if I returned it within 10 days, they would clear the report to the credit bureaus. I never received this fraud kit. I called several times, was told about 10 days later that they mailed the kit to the FRAUDULENT address. I told them I had already provided my correct address, and did so again. They said they were mailing a replacement. It is now 3 weeks later. I've received nothing. 

I then contacted XXXX Customer Service fraud reporting phone number directly. They have a recording saying they are too busy to speak to anyone, but to report online. I did. I received an email saying I would get a response in 5 days. I have received NOTHING. I have called XXXX repeatedly, asked to speak to a supervisor, the legal department, etc... It is impossible to get a response. I get forwarded to the same recorded message.
Consumer complaint received 2020-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MI)

Complaint is against XXXX XXXX XXXXt and their subsidiaries. I am being charged for 4 loans and can only recall receiving 2. I have been sued by these second hand creditors who have failed to provide legitimate documentation for two of the loans but due to my not being able to afford an attorney the judges chose the sides of the attorneys. Loan amounts are {$29000.00} XXXX XXXX XXXX XXXX XXXX, {$24000.00} XXXX XXXX XXXX  XXXX, {$16000.00} XXXX XXXX XXXX  XXXX, {$24000.00} XXXX XXXX XXXX. Also The interest rates were not fully explained and the loans actually doubled for repayment. XXXX XXXX pretended to be a lender that had the best interest of the students but was not. My mother, XXXX XXXX who was my co-borrower and I have been harassed by each of these debt collection agencies. I am asking that my complaint be included with the XXXX XXXX XXXX complaints and that the loans are re-evaluated and that me and my mother are only responsible for the 2 loans received. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-02-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX   XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX   XXXX {$6800.00} XXXX   XXXX {$3700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$12000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}
Consumer complaint received 2020-02-13
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. (AR)

My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}
Consumer complaint received 2020-02-13
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. (AR)

My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}