davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
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. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX Dual Card with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX  was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. XXXX  was also reporting 30, 60, 90, 30 for late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however Transunion was reporting 90, 30, OK, OK for payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. 
Account Name : [ XXXX ] - Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/2019 ] - **Outstanding Balance** : [ {$6800.00} ] 2. 
Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/2019 Outstanding Balance : [ {$2300.00} ] I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. Lastly I recently wrote a dispute letter of the same fraudulent accounts I am writing about now to your bureau & yet again your bureau violated Title 15 U.S. Code 1681i of the Fair Credit Reporting Act which states you have 30 days from notice of the dispute on your end to investigate and determine whether the disputed information is accurate or not. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. 

Thank you for your attention to this matter.
Consumer complaint received 2022-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (CA)

On XX/XX/2022 I contacted the debt collection company by the name of 'Credit Control Corporation ' to receive information about a debt they claim I owe and a possible settlement agreement. Specifically, I talked to their 'XXXX XXXX ' department. The debt amount in question is {$170.00}. After talking to the caller over the phone they told me that they would be able to agree to a settlement of about {$100.00}. So instead of paying the {$170.00} I would only need to pay {$100.00}. I agreed to pay the amount of {$100.00} to settle the debt, however, when I requested for them to send me a written agreement they said that they wouldn't be able to send me a written agreement and I would have to make due with a verbal agreement and give them my payment information over the phone. I decided not to pay at that moment. I wish to pay off this debt in full at the agreed amount, however, I believe they are acting in bad faith and do not trust that they will only charge me {$100.00} to end the debt once I give them my payment information.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to inform you that on XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 52 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 52 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XX/XX/XXXXdata breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2019-04-24
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. (MO)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the EDUCATION and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-03-19
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. (GA)

The car was involved in a car accident which totaled the car out. The loan was paid by the insurance company and the deficiency balance was paid by the gap insurance. The loan was never late and it paid in full. This is reflecting a charge off status on my credit report
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (WA)

I have been trying to work with Flagstar bank for a loan modification on my home loan since XXXX XXXX XXXX. While I am behind on my payments for 2 months, I have resumed making the regular monthly payments. I have called numerous times and Flagstar bank are not assisting me in any way, outside of the forbearance option. They are not helping me to obtain a loan modification at all. It seems that they have waited until the end of the forbearance, to process and review my loss mitigation request to have my loan modified, leaving me no time to make an informed decision on how I will be able to pay back the 2 months mortgage that I am behind on. The hardship happened due to a job loss XX/XX/XXXX, I then needed to assist with my elderly mother who had a serious issue with XXXX/ XXXX, XXXX, had to move her from the XXXX XXXX in XXXX XXXX XXXX to be closer to my sister in XXXX XXXX It has been really difficult couple of years. Please assist me in getting Flagstar Bank to give me fair options for my loan modification. I have excellent credit scores -ranging above XXXX. And I do not want my credit to be affected by unfair practices made by Flagstar Bank
Consumer complaint received 2022-09-28
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 XXXX  Accounts # # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXXXXXX XXXXXXXX XXXX Violated my rights 15 U.S.C ( 1681 ) SECTION 602 A STATES THAT I HAVE THE RIGHT TO FAIRNESS, Impartiality, and privacy 15 U.S.C 1681 Section 604 A Section 2, A Consumer Reporting agency Can not Furnish A Account without My written instructions
Consumer complaint received 2019-04-24
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3, 9 and 10 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (IL)

I have paid the balance of the JPMCB Card with the negotiated understanding that the negative impact on my credit reports would be removed. I was told letters would be sent on multiple occasions as well as emails showing this. I have called multiple times with customer service hanging up on me and transferring me as well as being told the letter is being sent to no avail. 
XXXX is the customer service number
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for XXXX   XXXX  & XXXX XXXX. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.
Consumer complaint received 2019-09-20
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. (CA)

XXXX ; Experian and XXXX  are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I send a request to have the fraud alert removed from all 2 credit bureau but Equifax removed the fraud alert and then send a request to have a fraud alert added to XXXX & XXXX by eletronic notice I did not ask them to do so I have enclosed a letter from Equifax where there admitting that they did this
Consumer complaint received 2019-04-24
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. (NC)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-20
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. (CA)

XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2019-04-24
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. (FL)

I am a victim of identity theft. I have contacted Experian, XXXX, XXXX  and XXXX about the fraudulent accounts placed on my credit file and they have done nothing about it. I have submitted a police report to all credit bureaus as instructed and they will not remove the fraudulent accounts.
Consumer complaint received 2019-04-24
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)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-20
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. (CA)

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages XXXX XXXX attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2019-04-24
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is foreclosing on my home. I submitted a loan modification/loss mitigation package to Bank of America, which Bank of America stated that it's employee lost the Mortgage modification/loss mitigation application. Bank of America never sent me a reply about the Mortgage modification/loss mitigation decision at all. Per The CFPB 's Statute 1024.41, Bank of America never notified me of the decision that they were going to foreclose on my home.I did not have an opportunity to appeal Bank of America 's decision because I did not know the status of the of the loss mitigation. I tried selling my home to avoid a foreclosure but Bank Of America did not respond. Furthermore, Bank of America did not credit my Mortgage as they mixed up my Mortgage loan number with others. Please help.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2019 I received the results of my investigation from Equifax under confirmation number XXXX. On page 4 of the 42 page report underneath THE RESULTS OF OUR INVESTIGATION, it states that the disputed address of XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX has been deleted. It also states that the inquiry for XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX has been deleted. However, these items are still being reported on my credit profile and underneath my social security number with Equifax.