davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$9900.00XXXX XXXX XXXX XXXX  Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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. (GA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$1900.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}. Please update.
Consumer complaint received 2023-03-29
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 2023-03-29
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 2023-08-01
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. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MS)

In bankruptcy our home mortgage was assigned to SLS. I have made XXXX payments and am only due for XX/XX/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's XXXX. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof.
Consumer complaint received 2023-03-29
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-29
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. (DC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (TX)

I contacted XXXX, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. XXXX contacted my credit card company Citi Finanacial and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score, instead of raising it.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX Regions bank fraud dept. emailed me to call them. When I did, they told me that they had closed my Debit card, because of a fraudulent charge, which they said they had refunded. They didnt tell me of any other charges that looked suspicous. By the time I got to the bank on the XX/XX/XXXX, I saw 4 transactions that I didnt authorize., on XX/XX/XXXX. 
Claim XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX. {$79.00} XXXX XXXX XXXX. {$99.00} XXXX XXXX XXXX {$99.00} On XXXX, I got a letter stating that these merchants stated that they obtained my authorization, when I signed up for a trial offer. 
I looked up the merchants and called them the first 3 stated that they dont have an acct With my name, address, zip code or phone no. And I never signed up for any trials. 
Iron scalp doesnt have a web site, so I was unable to track them/ call them. 
I tried to send this information to the fax no. on the denial letter, including who I talked to, their phone no. also. 
XX/XX/XXXX, The bank manager called to tell me that the fraud dept. is still denying these.I have tried to contact the fraud dept., but each time I am on hold for 20 to 30 min. The branch mgr. stated, that even he cant get a hold of these people to plead my case. 
From the moment they put in my claim, the bank has been saying, that it was highly likely that I wouldnt get my money back.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/2022, there was an inquiry on my Equifax credit report for a XXXX Credit card that I never applied for. On XXXX XX/XX/2022, I called Equifax to let them know I never applied for this credit card. The agent told me based off of contact information provided on report it looks like fraud and in order for them to remove it, I need to report it to the FTC. I am creating this report to not only have this inquiry removed but to report that I a victim of Identity theft and fraud.
Consumer complaint received 2019-09-13
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)

Hi, THURSDAY, XX/XX/2019 I tried to order my first credit report online today. 

I went through XXXX XXXX first. When I was trying to set up an account with them, I received a notification that impeded me from moving forward. It read : " Your personal information doesn't match with credit bureau records. '' To my knowledge, the information I was providing to them was and should be correct. 

I filed a complaint email to XXXX XXXX to seek a solution. Their response was that my information did not match up with the file TransUnion had on me. 

So I contacted TransUnion, spoke to one of their representatives ( XXXX ), provided them with the same information and they found no file on me. The representative offered that I send documents to start a credit report, I declined and did not take any further action. 

I let XXXX XXXX know that TransUnion did not have a file for me, and as of this moment, I have not heard back from them. 

I tried to access my free credit report via the Annual Credit Report website and chose to receive it from TransUnion to keep consistent, and I could not access it either as a notification that said " We do not have a record that matches the information you entered '' appeared. 

I am filing this complaint because : 1 ) I want to check if I have a credit report. If I do have one, why can't I access it?

If I do not have one, should I be concerned of fraud or of another problem since XXXX XXXX   mentioned TransUnion DID have a file on me? 
( I do not know if I have a credit history, something I was trying to find out through XXXX XXXX, but as you have read, it was not possible to set up an account because my " information did not match with credit bureau records. '' ) 2 ) I want to check what information is available on me to confirm that it is correct. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-29
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. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MD)

Elan closed my account after missing one payment... they say it's because they can't identify me... but why would they approve me in the first place.. so I called and they wanted me to mail my ID and ss card... I'd sooner cut up the card... but want others to know what a headache they can be
Consumer complaint received 2023-10-01
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc. (FL)

In XXXX, received a letter stating they were trying to collect a debit from me from a previous landlord who had taken us to court. Judge Dismissed the case, no money was owed. I responded back to collector two days after notice and requested validation of debit and included a copy of the court dismissal. Never heard from the collector. 

XXXX, I reached out to collector for the information and informed them of the court dismissal & asked for them to validate collection. I emailed the court documents to email given by the rep. No response since then.
Consumer complaint received 2018-12-24
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: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX a company well bank called synchrony Bank did a hard inquiry on my credit stating that I had put in an application with them and was denied I never put in an application for anything with his company and I've never even heard of this company / Bank!!! I've been called the company to resolve this matter and they claim they didn't even have me in their system and had no information on me but they sent a letter to my home address so I do not believe that. I contacted XXXX to get this off of my credit but they claim because it wasn't on my actual report and it was a hard inquiry I could not get it off without contacting the police or getting a letter of deletion from them which synchrony Bank is refusing to give me because they claim they don't have any information on me but they're lying. this is happened to multiple other people I have googled this issue and I want it taken down immediately
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I have Had The charge of service fee .From experian from 2007 to present day .my credit report not accessible .I 've been fighting ID theft forgery fraud .Illegal stock trades .for 11yrs.With all exhausted remedies with all 3 credit companys
Consumer complaint received 2018-09-09
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. (WA)

I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation (CA)

A landlord refuses to refund the security deposit and pre paid last month payment, and decided to hire a collection company XX/XX/2019 A collection company, Credit International Corporation in XXXX Wa. fails to serve any documentation. 

XX/XX/2019, XXXX XXXX called and notified that I wasn't responding and therefore they are going in to a collection process. I have repeatedly called back with no answers. 

XX/XX/2019, the collection agency reported a derogatory on all credit bureaus. 

Again this morning, a call was made and Mr. XXXX hung up again, failed to provide me with evidence of debt. 

A letter was written and sent to the Credit International Corporation and filed complaint with FTC and CFPB.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I, XXXX XXXX , compose this letter to you all exercising my Fair Credit Reporting Act rights as a consumer to dispute inaccurate information. The balance of {$15000.00} reported by National Credit Systems , Inc was purchased from my former apartment residence XXXX XXXX, who was lawfully informed that they could only sue me for past due rent. As stated in the court ordered judgement attached separately from this letter, the past due rent amount is {$7100.00}. I request that you CFPB also uphold the Fair Credit Reporting Act and effectively correct the balance reported by National Credit Systems , Inc on my credit report to that listed on the court ordered judgement between creditor XXXX XXXX & I.

Furthermore, according to the Fair Debt Collections Practices Act, National Credit Systems , Inc was not permitted to share information of my debt with any third party. Ive been contacted via mail with a false legal notice and by phone, harassed on several occasions by a representative of the law office of Attorney XXXX XXXX of XXXX, Georgia in attempts to collect the misrepresented balance of {$15000.00}. I informed the representative that I have no intention of resolving my balance with their office and that I will only make payments to National Credit Systems , Inc directly since they are listed on my credit report and not XXXX XXXX. 
In conclusion, I thank you all for your time and consideration. I trust that you CFPB will nonetheless accurately correct the balance owed to National Credit Systems , Inc on my credit report, enforcing the collections agency to abide by both the FCRA and FDCPA. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXXXXXX this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.