davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (MI)

XX/XX/XXXX, I noticed inaccurate info on my credit report, I send Trans Union, a letter on XX/XX/XXXX requesting the inaccurate info to be removed and other things I noticed. ( Please see XXXX XXXX. 

XXXX. Trans union responds XX/XX/XXXX in what appears to be a stall tactic letter Please see XXXX XXXX XXXX does not address the inaccurate info at hand only stating it appears I am using a third party. 

My letter on XX/XX/XXXX did not come from anyone other than myself. I included a copy of my identification and proof of mailing. The letter never addressed removing the wrong name/address on my account or any of the other things stated on XXXX XXXX. 

So I sent another letter to Transunion, ( Please see XXXX XXXX ) stating the letter came from myself along with a copy of the ( XXXX XXXX ) requesting the inaccurate info was removed again. After requesting to waiting XXXX days, and no response, I can Transunion XX/XX/XXXX @ XXXXXXXX XXXX to find out why haven't I received a response to the letters I've sent. 

Trans union XXXX refused to remove the incorrect name off my report and the incorrect address, until a supervisor intervene on the call. When I asked them regarding the other inaccurate info, the representative kept asking would like to dispute? I said no, As I have already disputed the info in writing twice. I was told they did not open the letter. I asked them to honor my request of removing the info from my report for failing to report accurate info as required by law. 

Trans union refused. The gentleman kept asking over and over did I want to dispute and I replied NO as this info was disputed over XXXX  days ago. I was so hurt and frustrated I disconnected the call. I want this inaccurate infor as required by law removed off my report.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2018-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I am unable to withdrawal funds from my account for the past 2 months. Coinbase is illegally holding my money. I have spoken to their customer support numerous times and there is no change to my account being locked out. Something must be done.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XX/XX/2021 Target made a hard inquiry to my credit record that I never authorized. It shows as TD Bank USAXXXX Target, I did contact the bank they couldn't help me. I called Target Fraud Department and they opened a case that will pull that hard inquiry from my credit report in 3 months. I really don't know if that time frame is normal.
Consumer complaint received 2018-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have a payment plan with XXXX and they still continue to call myself as well as my family members about this debt almost daily. We had to get new phone numbers because they continued to harass us. They have never validated this debt either to me and I only decided to pay this account in hopes they would leave me alone. I have contacted them multiple times regarding this and they deny that this is happening. When we answer the calls they refuse to tell us who they work for unless we verify who we are.
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: EQUIFAX, INC. (NY)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2021-06-25
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-25
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. (NY)

Trans Union continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 4 complaints total ) were closed without investigations or removals of these items. However, documentation supporting the items remaining on my credit file were not provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX , XXXX, submitted a letter for the removal of these incorrect items. No response from Trans Union. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Trans Union HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Trans Union attached ) Account NumberXXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened:XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that XXXX remove these 4 incorrect items from my credit file per the FCRA.
Consumer complaint received 2020-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

I have contacted IC Systems Several times regarding a negative item on my credit. I have asked for proper validation if debt. Im aware they purchased the debt from XXXX. However, this is a false debt from XX/XX/XXXX-XX/XX/XXXX. I returned all equipment to XXXX  and owe nothing. I have since been a member of XXXX which was done through a credit check. I owe nothing to XXXX and {$3000.00} would be extremely excessive even if i owed a bill for phones. Since they have not supplied me with proper verification of debt in a timely matter they need to remove negative information until they supply me with validation. How long has IC systems had this debt? When did they purchase the debt? I have received nothing from ic systems. Remove debt!! This is not my debt. If they have my signature on this debt I request proof. I have been a victim of Identity theft and my information was obtained through several different entities including the government hack in which my information was leaked and I was contacted by the office of personal management and given Free identity protection for years. I was also a victim from XXXX Glitch and XXXX breach.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

To whom it may concern, I lost my husband recently. My husband bought this home for me and now i am losing it in foreclosure. I am a widow and i am XXXX and the bank is taking advantage of me. I am trying to do a short sale on my home so I can move on from this nightmare. The problem is the short sale packet the lender emailed was not readable. I requested for the short sale packet to be resend but the lender is giving me the runaround. I have been on the phone with them numerous times and usually placed on very very long holds. All I want them to do is resend me a short sale packet so I can sell my house before the sale date which is on XX/XX/XXXX. Please help me because they are not emailing me another short sale packet which could result in my house going into foreclosure on XX/XX/XXXX.
Consumer complaint received 2022-05-03
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)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX 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 : XXXX XXXX  XXXXX Balance : {$190.00} ; XXXX  XXXX  XXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXXX Balance : {$1700.00}.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NV)

I STILL do not have the bonus that was supposed to be added to my account on XX/XX/2023. It has been over a month! Case number is XXXX. Punitive damages should be TRIPLED now for all the time it is taking me to get ally bank to do their job!
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I received an email from Chase Credit XXXX and XXXX Credit Card services this week telling me my address recently had changed on my credit report. When I checked the address, it was not my home address, and I never made a call to request this home address change. I do not know anyone at the address it was changed to and no one else has permission to make such changes or has access to my credit cards.
Consumer complaint received 2019-08-26
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)

Have account on my report thats over 16 years old? Ive have disputed this account as fraudulent for as many years, but to no avail. Now its still on my report 16 years later? 
Name of creditor : XXXX XXXX  Acct date : XX/XX/2013 Amount due : {$130.00}
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Ok, I am tired of Experian keep on reporting that I have accounts in negative status ( 14 ) which is completely ridiculous. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 12 inquiries that I never allowed or made myself. Now, I need for experian to send me full proof that I was late or these accounts belongs to me. They have 30 days to respond or I will sue them for reporting the wrong information and to show where I gave permission for my information to be displayed and for inquiries, show me the proof.
Consumer complaint received 2018-03-08
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. (FL)

The company Equifax decided to not only " investigate '' the incorrect item, they've made no attempt to contact me by phone or email, and just today decided to drop my credit score 30 points in what looks to be retaliation for filing a complaint with the government. There is literally nothing in my report that would warrant a 30 point drop. I havent made any late payments, and havent applied for any loans, nothing. 
My phone number is listed, there has been no voicemails of any kind nor emails to the email address provided.
Consumer complaint received 2022-05-03
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. (MN)

I have sent EQUIFAX Letters dated back to XX/XX/2022 present XX/XX/2022 Affidavit a true and statement of facts
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I do not agree that the said amount of debt by XXXX XXXX is owed by myself. I have not received any documentation of how they generated this stated amount. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, then we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2021-01-25
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: Experian Information Solutions Inc. (VA)

Experian and XXXX are both reporting a company on my consumer report that is a direct violation to my privacy as a federally protected consumer. 
Direct violation to my HIPPA rights!
Consumer complaint received 2019-08-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

I simply had my daughtee in my car insurance and I wasn't aware she was not paying. However when I figure out what was going on I settle the debt with XXXX, XXXX XXXX XXXX file XXXX. XXXX Please amend your records. 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXXXXXX XXXX XXXX  XXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am currently dealing w/fraud in association w/my credit report. 

Two account show being owned by Midland Credit Management. 

As states in my identity theft case, I DO NOT HAVE ANY INFORMATION ON WHERE THESE ACCOUNTS CAME FROM. 

I have attempted to validate the alleged debt w/Midland however they are only using stall tactics. 

In reading the case Texas v. Midland Funding, LLC, Et Al., I noticed that it was Midland 's claim that they have consumer agreements from every consumer they are attempting to collect from. As a consumer who is impacted by fraud I would like to be provided with the consumer agreement that is associated to my specific account. I have asked for these files w/no success.
Consumer complaint received 2019-09-03
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: Experian Information Solutions Inc. (AZ)

I've been locked out of my Experian reporting. I have a paid membership and answer all my sign in questions. After entering my login info, I'm subsequently redirected to a page with a contact number and PO box . I called their customer service line countless times and it hangs up on me after every prompt. I've used each phone option that is offered. I have a paid membership and have been locked out of my account, and can't access information. I wanted to receive a copy of my reporr and am unable to do so. Furthermore I wanted to freeze my account due to suspicious activity and I can't do so without access to my account and their phone number is not helping. They want me to send info to a PO box but this is a security issue and have been given no info on how the information will be processed. Credit reporting is a necessary financial tool and I'm upset at the amount of disorganization and hurdles must be gone through just to access this necessary tool.
Consumer complaint received 2019-09-03
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. (IN)

I have a female put things in my name without my consent and without me authorizing and acknowledging, there are 2 credit cards in my name along with money from XXXX XXXX. I want them removed and deleted, I dont have access to a credit card, nor have i shopped and used one. I want this done and immediately i keep getting notifications from places that i never even shopped at. The girl had access to my info because she and I were dating and when we broke up she went on a rampage in my name because she was unable to do it herself which is not fair to me
Consumer complaint received 2021-04-08
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)

XXXX has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.