davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-12-13
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to Transunion several times to dispute incorrect information on my credit report. There is an credit inquiry on my transunion credit report made a XXXX I have never authorized this company to obtain a copy of my credit report
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family.
Consumer complaint received 2021-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/2021, Woman called my cell phone at XXXX XXXX asking for me. When I identified myself and asked the nature of the call, she said she was with Wakefield and began stating alleged account number. When told I had no business with the stated company and asked again the nature of the call, she began reciting the alleged account again. When I yelled what is the nature of this call, she hung up. This has happened repeatedly, with no one ever stating the nature of their call or providing any other information. On prior occasions, I have told them that their representatives repeated harrassment of a XXXX individual will not resolve with their obtaining any information from me that they are seeking for whatever perceived reason they think they have for bothering me.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union has deleted all my active accounts on my credit report. and my score was in the XXXX or above. When I recently checked my report they have no score now because they say I don't have any accounts. I am request Trans Union correct my report immediately and restore with the correct account information. This is causing undue anxiety and stress. Trans Union score should reflect that of XXXX score.
Consumer complaint received 2021-12-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

Original forbearance Date XX/XX/XXXX with XXXX XXXX XXXX, months passed when notified I had no insurance on home, I had to look for my own insurance around XX/XX/XXXX. I no notification from XXXX XXXX XXXX that they were not financing my note any longer. Around this time frame I received a letterform Fay Financing Service and they were taking over my note. XX/XX/XXXX I received a phone call from Fay Servicing stating the I had to pay what I was behind around {$3500.00} and I had no other option but to pay what I was behind. I asked if any other options was told NO. At this point I asked why was Fay taking over my note and was not giving an answer. I asked if I had a single point of contact and was given someone else. At this time my XXXX asked if I wanted to check if there was other options, she checked and told me she was sending loss mitigation paperwork, fill out and send back to her. This process went on for 3 months or longer, telling me that they did not have complete paperwork, needed more paperwork, etc., Got answer that only option was pay what was behind for re-instatement of note, I have asked for re-instatement extensions, which I have gotten, but I wanted a repayment plan for what was behind. I was giving Foreclosure paperwork in XX/XX/XXXX, but no date. I had an income change and was given more paperwork for loss mitigation and retry, which I am waiting for an answer. I will have to ask for another re-instatement extension. My biggest question why is this not put at end of note since we are in a Covid 19 crisis. If I had know this I would have never asked for a Forbearance on my mortgage note. I greatly appreciate your help not to lose my home.
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX Balance {$970.00} XXXX  XXXX XXXX Balance {$3000.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXXXXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$5600.00} XXXX XXXX Balance {$3300.00} XXXX XXXX  XXXX Balance {$850.00} Bankruptcy chapter XXXXdischarged XXXX Balance {$0.00}
Consumer complaint received 2021-12-13
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$850.00}
Consumer complaint received 2021-08-25
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)

All three credit bureaus are reporting erroneous information in my credit file. I sent a request to each credit bureau to reinvestigate all alleged collections. It's been over 4 months and I still haven't received any response or anything. These alleged accounts does match either credit bureau account statuses. These accounts are definitely errors and erroneous and it is hurting my scores and reputation. I want them removed immediately.
Consumer complaint received 2021-08-25
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. (TX)

I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. XXXX
Consumer complaint received 2021-12-13
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: CORELOGIC INC (GA)

Credco obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Credco obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. 
Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (NY)

In XX/XX/XXXX I entered into forbearance with cross country Mortgage LLC They told me my options in XXXX of XXXX I asked to leave the forbearance and asked for a loan modification. they said I pay a certain amount for three months and wait to see if I am approved. I call once a month and check to make sure I am doing everything right I have been sending them money every month and they have my money in a hold account I have been doing this now for a year and they have not let me out of loss mitigation they said I was approved for a modification and that I am now in closing I wrote them a RESPA letter asking for paper work I have not received a thing from them just a statement saying they are going to do an appraisal on my home and I have to pay for it I still calling them once a month and been told the same thing I was approved and that's all they will say. I have been trying to get out of loss mitigation and Cross Country Mortgage LLC will not let me out they have over XXXX XXXX of my money in a hold account I only owe them XXXX there's a huge difference
Consumer complaint received 2021-08-25
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. (LA)

Last XX/XX/2021 I've sent a letter but it's almost 30 days now but I haven't received any response. The following accounts were fraudulently used without my permission. I am a victim of Identity Theft. I suffer from stress because of this issued.
Consumer complaint received 2019-08-06
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. (IL)

XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Experian has twice emailed to say my soc sec XXXX  has been breached. They give a customer service XXXX to call about this, where a recorded message immediately demands I type in my soc sec number. So I hung up. I do not have any way of knowing if this is real.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account
Consumer complaint received 2021-12-13
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. (IL)

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

Transunion sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, Transunion verified the information as accurate before they received my notarized affidavit. When I check on my dispute with Transunion they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

XXXX 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time XXXX has verified the items as accurate despite my police report, FTC report, and affidavit. 

XXXX did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining 5 accounts refuse to remove the fraudulent accounts. Two state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : 1. XXXX XXXX  - Account also reported by XXXX XXXX XXXX 2. XXXX XXXX  - Also reported by XXXX XXXX 3. XXXX XXXX XXXX  - 4. The XXXX XXXX XXXX - Also reported by XXXX XXXX  and XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Also reported by XXXX XXXX and XXXX XXXX I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Consumer complaint received 2019-08-06
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. (IL)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED A ACCOUNT LISTED THAT DOES NOT BELOG TO ME. I AM A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS ACCOUT REMOVE BLOCKED AND DELETED IMMEDIATELY.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sensible Auto Lending, LLC (IL)

These accounts were fraudulently open in my name I've sent in police report ftc report proof of identification proof of address to the credit bureaus and contacted the creditors and notified them of the identity theft as well I demand these accounts be removed if not already removed from my credit report I do not authorize any third party information on my consumer report
Consumer complaint received 2021-12-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX A ) XXXX Balance : {$4200.00} ; PORTFOLIO XXXX Balance : {$1700.00} ; PORTFOLIO XXXX Balance : {$1000.00} ; PORTFOLIO XXXX Balance : {$4200.00} ;
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Consumer complaint received 2021-08-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.
Consumer complaint received 2018-03-28
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. (MN)

I am a victim of identity theft. The following credit hard inquiries listed on my Equifax, XXXX  and XXXX XXXX credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.