davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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)

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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX Shows inaccurateness. The Payment histories are different from each other. TransUnion has no report, XXXX was Chargeoff and XXXX was OK. Please update it or REMOVE from my account Bankruptcy - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report.
Consumer complaint received 2023-03-22
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have been trying to have my escrow account removed for 45-60 days with Lakeview Loancare Servicing . I started with an email request and never received a response. I then followed with a phone call and received information. I made the necessary payments and never heard anything back and then followed up again on XX/XX/2022. I was told that I needed to submit a written request so I then did that and was told to wait up to 10 days for processing. After 14 days on XX/XX/2022 I followed up because I had not seen an adjustment on my account. I was then told that my escrow account had a balance and needed to be paid. When looking at the transactions on the account I noticed that the servicer magically paid {$8.00} for a hazard insurance payment and then credited the payment back. On XX/XX/2022 I called again and the servicer can not tell me who the payment was made to, for what reason the payment was made, and why I show a {$0.00} escrow balance but they saw I have a balance and therefore are refusing to cancel my escrow. 

XXXX XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hi, from XX/XX/XXXX until XX/XX/XXXX I was XXXX. I have contacted you while XXXX  to let you know that I should have absolutely nothing on my credit reports. My name is XXXX XXXX and my birth date is XX/XX/XXXX. I will like for someone to call me immediately so that I can clear everything off of my record. If anything is in my name it is a result of Identity theft. I can be reached at XXXX. As stated, I wrote, and talked to your company about this issue.
Consumer complaint received 2017-11-07
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. (TX)

On XXXX XXXX, XXXX I sent a letter to Transunion notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XXXX/XXXX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Transunion is in violation. The accounts in question are listed below : XXXX XXXX XXXX XXXX XXXX  Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XXXX/XXXX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. 

Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX AND XXXX # XXXX XXXX XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 )
Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-03-30
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. (GA)

TRANSUNION & XXXX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE ISSUE!
Consumer complaint received 2022-07-26
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : 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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-06
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 — Investigation took more than 30 days
Company: Receivables Management Partners, LLC (MI)

I have called the collection company ( XXXX XXXX XXXX ) many times over the last 30 - 45 days. I requested a copy or proof of the debts they had in collection and was assured they would order the records. I never received them. I have called back to speak to a manager several times, left a few messages to no avail. I did call on XX/XX/2018 a total of 4 times to speak with someone regarding this. I spoke with XXXX who said all she could say is they mailed them. I never received them. I am frustrated that it is taking 45 days or more for any action to verify the debts and I want them removed from my credit report.
Consumer complaint received 2019-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TN)

Calvary Portfolio Services has re-aged one of my accounts that is currently in collections. It was opened in XXXX but is showing on my credit report as opened in XXXX. This is illegal and is preventing me from receiving an auto loan.
Consumer complaint received 2023-03-21
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. (OH)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under the 15 USC 1681. 


DEPT OF EDU/XXXX ACCOUNT XXXX XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX DEPT OF EDU/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX INACCURATE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency might 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 ended report by more than 7 years.

15 USC 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 2018-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (GA)

I've been banking with Netspend for several years. I called in on XX/XX/18 to dispute a charge. Next thing I know my account is closed and funds have not been issued to me. This has caused many bills in my household to go unpaid and accumulate late charges. Called in to check the status of my refund only to be advised that it was not complete and need 10 days to complete. NOT ACCEPTABLE. This is altering my livelihood and causing more damages than one person can handle.
Consumer complaint received 2023-03-21
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in XXXX. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule 1002 and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX - XXXX
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2018 Received a phone call from XXXX XXXX XXXX ext. XXXX. They left a voice mail for someone NOT me. Threatening to " take the next step '' and if they hadn't heard from this person, they would assume that they didn't intend to resolve the situation. 
I DO NOT have a personalized voice mail, it is completely generic. 
Maybe I wouldn't be so upset over this if I didn't work for a bank and didn't know any better, but the fact that they even gave me enough information to know this person has an account is a breech of confidence, but to add insult to injury, you just clearly gave me information about this person 's finances. But it's clear from the conversation that I had with your employee that they think it's perfectly fine. 
An employee of a bank should know it is on THEM when MAKING calls to do their due diligence to make a positive identification of a client before detailing any kind of information. Including insinuating a lawsuit. I don't care if I know the person, if YOUR company has not positively identified contact with YOUR client, then you have NOT to the best of your abilities attempted to contact your client. It is NO ONES responsibility but YOURS to make sure it is YOUR CLIENT receiving messages and not someone else. Blindly dialing phone numbers that might have *something* to do with your client IS NOT an acceptable way to try to resolve any situation. It is unacceptable and partially one of the reasons the CFPB exists anyway.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I am writing to follow up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my repeated attempts to resolve this matter, the inquiries remain on my report, causing unwarranted damage to my creditworthiness. This situation is particularly frustrating given that both XXXX and XXXX promptly removed identical inquiries upon my dispute with their respective agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

Fed Loan Servicing is impossible to deal with. Currently on hold for XXXX hours to try to get basic answers to related to the XXXX application and employment certification I submitted a month ago. The website says my application was processed but my payment counts dont make any sense at all. But I cant get ahold of anyone to try to talk about the error or how to get it fixed. 

This has been an ongoing problem with Fed Loan Servicing and I know I am not the only one dealing with this problem. It is incredibly disappointing that the Federal Government allows such incompetent servicing from the company it contracts with for the servicing of federal student loans.