davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have reached out to TransUnion several times trying to get them to remove information that is inaccurate. 
Two times before they have verified information that is not mine.
Consumer complaint received 2018-04-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-02
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. (TX)

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 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

Paid off credit balance. Cleared my checking account on XX/XX/2024. When called to check my balance, still showed owing complete amount.

I called customer service to find out what is going on. They said I did not make a payment. Have not changed banks, accounts or anything different. Account has been open for XXXX  years. I have been paying this way for.

When calling the agent, I was laughed at. Said she didnt make the payment, as if the payment was not made. When asked to close the account XXXX who said was a supervisor honestly laughed at me. If you pull the taped conversation you will hear her. I told her this is a lot of money and is nothing to laugh at. She said she is a happy person. I couldnt take the stress of trying to fix the account. The more I tried to explain myself, the more I felt I was not being taken seriously.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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 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
Consumer complaint received 2019-10-02
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 and Transunion are reporting incorrectly a charge-off of {$7400.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this account however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. This account is up-to-date and should not be reporting any derogatory information on my credit report. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (TX)

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 Balance : {$20000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2023-03-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which XXXX provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.
Consumer complaint received 2024-03-03
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. (FL)

RE : XXXX XXXX XXXX ( Account # : XXXX ) I am writing to formally dispute a billing error on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). After reviewing my credit report, I noticed billing entries that I did not recognize, which have adversely affected my credit score and financial standing. 

Violation of 15 USC 1681, Section 602 ( FCRA ) : The incorrect billing entries on my credit report do not reflect the accuracy and fairness mandated by this law. 

Violation of 15 USC 1681, Section 604 ( a ) ( FCRA ) : A consumer reporting agency may furnish a consumer report only under circumstances that are strictly authorized, which include the consumer 's explicit consent or a legitimate need for the information in connection with a credit transaction. 

Violation of 15 USC 1666b ( TILA ) : The billing error on my account has not been addressed in a timely or satisfactory manner, despite my attempts to resolve this issue directly with the creditor. This lack of action on their part constitutes a violation of my rights under TILA. 

In light of these violations, I am requesting the following actions : Immediate investigation and removal of this account from my credit report. 
Correction of the billing errors and an updated statement reflecting these changes. 
Written confirmation of the removal of and correction of the billing error. 

I expect a response within the statutory timeframe of 30 days upon receipt of this letter, as mandated by the FCRA. Failure to comply with these regulations will leave me no choice but to take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of these issues. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-13
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. (IL)

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.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

Back inXX/XX/XXXX I did a dispute with all 3 credit bureaus for XXXX for {$3300.00} and it was deleted from all 3 credit reports onXX/XX/XXXXbut not all 3 credit bureaus have added the above creditor back on my credit report in XX/XX/XXXX
Consumer complaint received 2018-04-09
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)

On XX/XX/2016, a court order was issued vacating a XXXX XXXX   judgment, I contacted Trans Union and forwarded them a copy of the court order, they were contacted three times about this matter, they fail to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.
Consumer complaint received 2019-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX Chief Executive Officer and President, Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I must call your offices every month. I routinely pay additional principal with my mortgage payment. I have done this for 40 years, with a variety of mortgage service companies. The additional principal payment has always been credited to principal. But not with Select Portfolio Servicing. 

Instead of crediting my extra principal payment to principal, you credit toward future mortgage payments. It is obvious why you have this business practice. You want to cheat customers by not reducing the principal and thus maintain larger principal balances so that they will accrue more interest. 

The first time this happened, I had used my banks automatic payment mechanism. When I discovered what you had done, I called your offices and got it corrected. I was assured that you would note our account so that additions to scheduled payments would be credited to principal. 

Another month went by and once again, my additional principal payment was credited to future payments, rather than principal. This time when I called, I was told that it was because I used my banks autopayment feature instead of manually writing a check and filling out your remittance advice. 

So, this month I wrote a manual check, filled out the remittance advice, and expected the payment would be properly credited. Once again, SPS attempted to cheat me. Some of the extra payment was credited to principal, some was credited to future mortgage payments, and I can not determine where the remainder was applied. But I was once again assured that it is being corrected. And once again, I was assured that your people had notated my account so that amounts in excess of the scheduled monthly payment will be credited to principal. 

I am doubtful that the problem has been resolved, because I have now received so many empty promises. 

I am optimistic that the regulatory agencies will examine this fraudulent practice. This kind of behavior must be stopped, as I am certain that most of your customers do not realize that they are being cheated. 

Dates When Principal Payments Not Applied Correctly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
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. (PA)

I recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my report immediately.
Consumer complaint received 2019-10-02
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. (TX)

I filed a complaint to to CFPB on XX/XX/XXXX. I received your response but no response or correction from XXXX  or Equifax. How do I get them to upgrade my scores?
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-06-13
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. (NV)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-03-31
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 Balance : {$880.00} XXXXXXXX XXXX XXXX Balance {$6100.00} XXXXXXXX XXXX XXXX Balance {$1600.00}
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-22
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: Global Lending Services LLC (CA)

XXXX  has been non-compliant with removing the unverified account GLOBAL LENDING SERVI which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that GLOBAL LENDING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-10-12
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: Self Financial Inc. (MD)

I have accounts on my credit report that I did not open and have no knowledge of, and the accounts are negative. Accounts are 1 XXXX XXXX XXXX XXXX  XXXX opened XX/XX/2021 2 ) Self Financial/Lead Bank opened XX/XX/2021 XXXX ) XXXX XXXX opened XX/XX/2021 I made a complaint with all 3 credit places XXXX, XXXX, XXXX and they all say to report it to the FTC and file a police report. I hope you can help me resolve this matter and remove this fraud from my credit. I was in School in XXXX till XX/XX/2021. Please help me straighten this out. I phone these companies and XXXX XXXX XXXX also stated to contact the FTC. From the other companies I received no response.
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, has violated my rights. 

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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-05
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: EQUIFAX, INC. (GA)

I filled bankruptcy about XX/XX/XXXX. Bankruptcy was discharged about XX/XX/XXXX. One account from XXXX XXXX XXXX XXXX had a reported date of XX/XX/XXXX at first ( i was under bankruptcy so therefore that should not happen ). Try to have it removed from credit reporting agencies with some success. Amounts owed changed but where incorrect. There 3 agencies and they each have different information. Why? XXXX seems to be the most accurate. At this time XXXX and equifax have accounts listed that where included in my bankruptcy. As I understand it those accounts should not be reporting 7 years from the date of filling ( XX/XX/XXXX ). My report should not even reflect nothing mentioning bankruptcy. Please educate me or ask those agencies to educate their selfs. Hold them responsible for information they spread that is illegally derogatory. Why do they just make more processes to be followed when it is actions they can take to ensure accuracy. They should not ask me to pay for a service to correct it. Sounds like extortion. Conflict of interest! Thank you for your service.