davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've sent disputes to XXXX, Transunion and XXXX. Their not holding up to the law with the 30day demand to comply. I sent in disputes neither is responding to me, and getting back with me with my results of their investigation.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Atlanticus Services Corporation (GA)

I was approved for payment protection protection due to my lost wages from covid 19 and 1 month after payment was was delivered to my account account was mysteriously closed without informing me account has been closed unjustly and illegally creating a negative remarks on credit report I paid Monthly fees to be able To use this option of needed toaccount for this company and has been what does it cost me for over aover here no resolution has been made company not performed due diligence and I am forced to reach out to the bureaus for help
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of inaccurate/unverifiable and fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (LA)

Reached out to the companies to try and get them to delete said debts off of my credit report as they were not authorized to report anything to my credit report by me. I did not sign any contracts with those companies nor have I owed them any debts. 


Commonwealth Financial- {$680.00} XX/XX/2021 This company has been reached in order to resolve this issue and the resolutions were unsuccessful.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

After losing my job of XXXX  years making XXXXk/yr I was able to maintain the payments for while with the pay out from my annual leave. When those funds depleted, I withdrew my retirement early and paid them {$24000.00} with little left over. COVID hit and it was really hard to find a job making enough to pay the mortgage each month. I filed hardship along with submitting MULTIPLE Loss Mitigation applications. All denied. So instead of lowering the monthly payment and letting me keep the home I worked so hard to get in the first place, they have decided to foreclose on my home. Im trying to work with XXXX to stop the foreclosure but they needed to get started on that process at least 37 days before the sale date. They are still going to try but feel certain they will not have enough time. I called Rushmore to give them verbal authorization to speak with XXXX. When XXXX called them, they blatantly lied and said I had not called to give them authorization. I had to call back and let them know I DID call and to please note that on my account immediately. Rushmore Loan Management sent me letter DATED XX/XX/2022 to let me know the sale date is XX/XX/2022. Ultimately making it impossible for me to try to get the foreclosure stopped unless I file for Bankruptcy because thats obviously less than 37 days. That is unfair considering losing my job due to budget cuts then not being able to find gainful employment because of the impact COVID has had on everyone. Not to mention, Im on multiple medications for XXXX, XXXX XXXX XXXX, XXXX and XXXX I tried filing for XXXX but was denied because I wasnt having XXXX often enough. I was told by the attorney that if I was having at least 2 to 3 XXXX a WEEK, then they might would consider it. So in other words I would have to go off my medications and risk having a fatal XXXX to be eligible for XXXX?!?!?! I have a good job now as a XXXX XXXX and I love it! I really want to keep my home. What Rushmore is doing is unethical, potentially illegal, and unconstitutional. When I was working at the job I had had for 17 years, I NEVER missed a payment. Its disheartening to believe they cant do SOMETHING.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Reached out to bank of America regarding unauthorized transactions in the amounts below and they denied my claim. 

XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$80.00} XXXX XXXX XXXX : {$820.00} XXXX
Consumer complaint received 2022-09-28
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. (TX)

I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX  directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

Received a copy of my credit report XX/XX/XXXX, I noticed some unauthorized inquires my report, XXXX  credit XX/XX/XXXX XXXX verify XX/XX/XXXX
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There is a XXXX credit card account appearing in my TransUnion credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called TransUnion ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( XXXX  ) managed to create an account that appears on my record. I called XXXX and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a Transunion dispute in place ( I can provide case number if needed ) but TransUnion has not resolved the problem and removed this account that is not mine. 

This account only appears in my TransUnion report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my Transunion XXXX. I am pleading for help with this situation.
Consumer complaint received 2021-08-26
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 — Investigation took more than 30 days
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that US Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped 150 points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.
Consumer complaint received 2022-09-28
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: 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 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 XXXXThis 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 2021-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (AZ)

Rent recovery solutions llc been trying to collect the wrong/inaccurate amount & reporting the inaccurate original owners, which I disputed numerous times already. According to the original contract from the Original Owner is XXXXXXXX XXXX XXXXXXXX XXXX, Not ( The  XXXX ) the original contract never mention The XXXX anywhere. Also according to original contract under Description of Rent Elements the " 5 day notice fee says it {$35.00} not {$25.00}, which the " Ledger at Move Out " has 2 {$25.00} 5-day notice fees. Also according to the original contract say an NSF Check Fee is {$51.00} not {$35.00} which recorded on the ledger once. Them errors make the balance of {$6500.00} inaccurate which is a violation of the FCRA. According the original contract the lease term is from XX/XX/XXXX until XX/XX/XXXX but the Date of lease contract says XX/XX/XXXX. The account number showing inaccurate on XXXX & XXXX  the account number not starting with two ( 00 ) but on the Rent Recovery Solutions LLC Response the account number start with two Zeros ( 00 ). The ( date form is filled out, same as on top of page 1 ) has 2 different dates. PLEASE DELETE THIS ACCOUNT FROM MY XXXX  & XXXX, or you give me no choice to escalate this matter.
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I constantly monitor my credit scores and reports with all three credit bureaus and I noticed that Transunion credit bureau consistently had me at a drastically lower credit score compared to the other two credit bureaus which I am sure hurts my credit.

When I repeatedly attempted to log into the Transunion credit bureau website it wouldn't let me log in and kept saying that the site was down, after a week of calling the Transunion help/support toll free number trying to get help to log in, I finally got a Transunion agent that helped me log into the website.

On the website, I logged into my account and looked for anything that would explain my low Transunion credit score and There was nothing there to dispute, meaning there was no information in my Transunion account that could help me understand why my Transunion credit score was so low compared to the other credit bureaus. I spoke to a second Transunion agent who told me that I would have to pay {$9.00} to see my credit report and score ( which the other two credit bureaus provide for free ) and advised me to go to a free annual credit report website to obtain my Transunion credit report and score. 

I followed the agent 's advice and still couldn't get my Transunion credit report and score and the website message said that I would have to contact Transunion.

I believe that Transunion credit bureau is dysfunctional and should be investigated. I believe Transunion credit bureau purposely makes it very difficult to get any information from them and they demand a fee to do so.

The most pernicious point is that their tactics are hurting hardworking U.S. citizens credit.

I demand that Transunion credit bureau should be immediately and thoroughly investigated, punished and made to eliminate their manipulative greedy and harmful tactics.
Consumer complaint received 2021-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (DE)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CLLCN BUREAU OF THE HU ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. Equifax reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is equifax 's error, not theirs. Equifax says it is the company. I don't know what to do. I have other mistakes on my Equifax credit report as well, and I am afraid that Equifax will leave these discrepancies there. XXXX XXXX XXXX has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my Equifax credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CO)

I opened a new citi priority account in XXXX. Citibank offered a promotion of {$700.00} if the new account held funds over {$50000.00} for 60 days. I deposited the required money. I asked a citibank agent on their chat service whether the funds would qualify for the promotion in a citi accelerate savings account, as opposed to their standard savings account. The agent confirmed this. I have a documented record of this conversation. When the promotional deposit did not arrive as expected, I checked with two other citibank agents about the delay on two separate occasions. Both of these agents confirmed that I was eligible and that I should have received the bonus already. I have a documented record of these conversations as well. The second agent submitted a dispute in order to correct the mistake. After a week or so, I received an electronic letter from citibank stating that I was not in fact eligible for the promotion, due to the deposit moving from one savings account to another. I then called citibank 's customer service line in order to straighten out the problem. I explained to the agent on the phone that I had checked in advance and that I should have received the bonus. They also submitted a dispute explaining the chat history. I received the exact same denial letter a week later.
Consumer complaint received 2022-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX sent responded saying they contacted XXXX XXXX  and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!
Consumer complaint received 2021-08-26
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. (SC)

I have been trying since XXXX XXXX to get XXXX  XXXX XXXX to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my XXXX dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX was showing that I had 2 HELOC accounts with XXXX - one showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY ONE account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have 2 HELOC accounts with XXXX. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional XXXX that this has caused
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2022-03-28
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. (NV)

I HAVE DISPUTED WITH XXXX Bureaus OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS ; XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXXI DO NOT RECOGNIZE THESE INQUIRES AND XXXX Bureaus VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES