davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (MI)

Hi I am submitting this XXXX XXXX without 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 heck 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
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. (OH)

Once again I have paid off hundreds of dollars of merchandise on credit and all three XXXX, XXXX, and Transunion have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.
Consumer complaint received 2018-11-27
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. (FL)

The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX Notwithstanding that these inquiries are not seen by anyone but me and will not be used in scoring my credit file, the point is that the named companies have neither any legitimate business relationship with me, nor any open collection account with me, and therefore they have no valid reason whatsoever to access my personal credit history. In order to protect my privacy, I demand that access to my personal credit file, via inquiry or any other measure, be granted to only those companies that have a legitimate business relationship with me or have received my prior, express consent to do so. Or, shall I have no alternative but to pursue a class action suit against TRANSUNION in federal court, by reason of reckless disregard for consumer privacy laws?
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I submitted a written request to have incorrect items on my credit report be investigated. By law, I am supposed to have a response within 30 days. Obviously, more than 30 days have passed, but I have yet to receive my credit investigation results.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alabama Housing Finance Authority (WA)

I have reached out to XXXX  3 times in the last 7 months XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I explain to the customer service representative my situation that they are still reporting on my credit report but they tell me that ( they have no record of me in their system ). My lone was transfer to another lone company, but it still show open on my credit report with servisolutions I have asked them to remove it, and to get connected to their credit department, but just get hung up on ever time.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cherry Creek Corporate, LLC (CO)

I have have been trying to remove my PMI for months now and my mortgage company is dragging it's feet as I continue to pay ~ {$90.00} every month. 

XX/XX/XXXX : First contact my mortgage servicer about removing PMI. I followed up several times via email and phone before finally getting an answer. 
XX/XX/XXXX : Paid for and ordered XXXX to remove PMI and was told it would be completed in 20 days. No one ever contacted me. 
XX/XX/XXXX : No one called about XXXX so I called back. Said they'd look into and call me back. No one ever contacted me. 
XXXX : Called them again and they said the payment was rejected even though it was supposed to just go on my mortgage. No one ever reached out to tell me that is was rejected or why it was rejected. I paid AGAIN via debit card this time. 
XXXX : Called again because no one had contacted me. They told me 5-7 days someone would contact me. 
XX/XX/XXXX : 7 days from last call and no one had contacted. They told me to keep waiting.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MI)

On XX/XX/2022 I attempted to register my prepaid XXXX  debit card using XXXX as instructed on the card. I tried 4 different browsers, 2 different computers, and 1 phone and all results were the same " Oops there was a problem ''. I called in to the XXXX phone number to resolve the issue. After 2 hours on the phone, I was hung up on by a supervisor. The agents could not resolve the issue without me " validating the card through the automated system '', however, THE AUTOMATED SYSTEM NEVER GAVE ME THAT OPTION! When I call in and enter the account number, the system sends me directly to a representative with no other options.
Consumer complaint received 2020-12-16
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)

Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX , XXXX  , and Equifax credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, Equifax, and XXXX credit report due to my identity been stolen.
Consumer complaint received 2019-11-18
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (CA)

UNITED REVENUE CORP I went through my medical provider and they paid the bill in full due to their mistake and now its in collections. It should have never been to collections as it was paid in full by my medical provider. 

Medical Provider : XXXX XXXX I contacted XXXX XXXX based on this issue and they took full responsibility, after it was escalated.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc. (MI)

This company keeps calling me to collect a debt that is no longer owed. Chapter XXXX was filed months ago and I should no longer be getting these phone calls. I have asked them to take me off the list and they just hang up on me.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.
Consumer complaint received 2018-10-18
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. (TN)

I am a victim of identity theft. The information listed below, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Consumer complaint received 2021-07-13
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: TRANSWORLD SYSTEMS INC (TX)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Resurgent has failed to provide me with requested ( validation ) proof for an item on my credit after i sent several letters asking them to do so. The last letter that i sent them dated XX/XX/XXXX. I have certified proof that someone from their office signed for it on XX/XX/XXXX. I received a letter from them dated on XX/XX/XXXX which states have initiated a review of my inquiry. They took longer than 30 days to respond. As of today XX/XX/XXXX, I still have not anything from them. My rights have been violated according to the FDCPA. Which states, If the debt collection agency doesnt respond to your request for a debt validation letter, they violate the Fair Debt Collection Practices Act ( FDCPA ). Please see attached
Consumer complaint received 2022-02-16
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: Aqua Finance, Inc. (MI)

My name is XXXX XXXX XXXX XXXX and I have a loan with AQUA FINANCE INC with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months. It was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Consumer complaint received 2022-02-16
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. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
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. (MI)

XXXX is reporting and scoring me for seven hard hits for purchasing one vehicle. When calling XXXX XXXX they agreed that it did not matter how many hard hits there were, if all the hard hits were for purchasing a vehicle, and I purchased a vehicle, these hits would count as only one hit. Unfortunately, although Equifax is showing one hard hit for the purchase of my truck, XXXX XXXX nis showing and scoring me XXXX points for XXXX hard hits, for purchasing one vehicle. 

Last, Equifax is reporting a derogatory account from XXXX that I disputed ( never opened ), and that XXXX XXXX removed. Upon calling XXXX today ( I have XXXX now for service ), they informed me that they could not find the 2018 account.
Consumer complaint received 2021-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Hello, I contacted this agency earlier this year to assist me in getting my 2017 school taxes paid after my old mortgage servicer, XXXX of Virginia failed to do so. In working with my new servicer, Select Portfolio Servicing , Inc of Utah this was finally accomplished as SPS paid them. 

I recently received an escrow account analysis from SPS. They are claiming that when they received my account from XXXX the escrow account was short. They have raised my mortgage payment XXXX a month. After two phone calls with SPS totaling 90 minutes they are acknowledging that the shortage came from them have to pay the school taxes that XXXX didn't pay. 

Essentially I'm being made to pay those school taxes twice. I asked SPS why they don't go after XXXX for those monies. I was told " that's not what they do. '' I was also told that this is an " unfortunate situation '' How can I be responsible for the taxes XXXX didn't pay when I paid my mortgage every month and those taxes were part of my payment? 

More concerning is where are the monies that should have been used to pay my taxes if XXXX didn't use them to pay my 2017 school taxes. 

Maybe this should be looked at by the State Attorney General 's office. 

I look forward to your response. Thank you.
Consumer complaint received 2023-03-27
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. (NJ)

XXXX XXXX XXXX checking my credit report I noticed that their are multiple accounts I dont recognize And multiple accounts listed for {$63.00} that are not mine
Consumer complaint received 2023-03-27
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX , account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX , account # XXXX XXXX, account # XXXX XXXX XXXX, account # 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
Consumer complaint received 2018-11-27
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: Experian Information Solutions Inc. (MA)

I have a XXXX XXXX XXXX XXXX account status on my Experian Credit Report showing " Derogatory ''. There was time when I was out of a job and couldn't keep up with my payments. This is true and should have been reported as such. However, I've righted that ship getting my payments in on time. I've gotten out of default and I'm currently making monthly payments to XXXX on my school bill. So I am now current. I was under the impression that this somehow would be reflected on my credit report. Didn't realize my XXXX XXXX XXXX account would be closed and thus not being able to show that I was making payments there. This is a dilemma. Experian still has this account as derogatory when my account was and is current when it was passed on to XXXX. It is not expressed this way on the other two credit bureaus and I believe is seriously affecting my ability to strengthen my credit. If you wouldn't mind, please see if there is a better way to represent how this account is expressed so I am able to build my credit. Thank you.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, Nelnet and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not XXXX XXXX and XXXX   XXXX.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Credit Recovery, Inc. (LA)

My wife had a medical procedure denied by my health insurance company XXXX. I filed all of the appeals, but the denial was upheld as experimental. The procedure in total was over {$26000.00} and now Southern Credit Recovery ( SCR ) has failed to operate in good faith. I have contacted the company on  numerous occasions since receiving the first collection letter and as of this date they continue to do nothing. I faxed them an offer of settlement on XX/XX/XXXX and again on XX/XX/XXXX with no response other than notifying the credit bureau of the collection account. Today I spoke with " XXXX '' who was unprofessional and could not answer any questions on the file. A complete waste of my time.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.