davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a XXXX was filed with the irs by XXXX XXXX and to date i have NOT received a XXXX from XXXX XXXX  for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX  is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I have received all credit agency credit report in XX/XX/XXXX. I started to send letters to begin the disputing process upon the inaccurate information. Nothing happened, so on XX/XX/XXXX I started to make phone calls to each bureaus, I realized that there were addresses that did not belong to me. As like, XXXX XXXX XXXX, XXXX, Florida XXXX is one of them. I have disputed these with all three, XXXX, XXXX, and Experian. Added a Fraud Alert on  each credit bureaus account. 

As of XX/XX/XXXX The address was removed from all three credit bureaus either by a phone call or by a letter. 

XX/XX/XXXX I reviewed my credit report and realized this address XXXX XXXX XXXX, XXXX, Florida XXXX has reappeared on my credit report. i did not receive any notification as to why this address re-appeared on my credit. 

I have attached proof of notation of removal or the report is shown the address is removed.
Consumer complaint received 2019-11-15
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. (IL)

I attempted to get in touch with XXXX, Transunion, and XXXX  a number of times, and it seems like all of those attempts to even try to open up a case were fruitless. The only company that responded back to me was Transunion ; they said they would open up a case for me and that they'll let me know if the cases could be resolved or not, but they never followed up. To TRANSUNION, XXXX, and XXXX   According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquiries are a result of ( idenity theft- ) XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ( XXXX ) XXXX, XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXContact info XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX I Pleading for relief from these derogatory inquiries placed upon my credit files on all three bureaus be removed.
Consumer complaint received 2022-03-06
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. (OH)

I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.
Consumer complaint received 2019-02-01
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: Clarity Services (CA)

I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 3.Clarity Services Inc XXXX 4.XXXX  XXXX XXXX  XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX  XXXX 8.XXXX  XXXX XXXX XXXX   1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
Consumer complaint received 2019-02-01
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. (CA)

I sent dispute letter with my attached proof from XXXX to Experian and XXXX  in 2017 requesting them to update my credit report. I got response back from Experian in a email stating they only could update my credit report once.
Consumer complaint received 2019-02-01
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. (PA)

showing that thois account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

On XX/XX/XXXX I received correspondence from Statebridge Company regarding forced placed insurance on my property, loan # XXXX. Although Statebridge claims to have removed the forced placed insurance effective XX/XX/XXXX, stated in a letter dated XX/XX/XXXX, Statebridge continues to assess me for forced placed insurance according to the XXXX mortgage statement sent by Statebridge on XX/XX/XXXX ( statement dated XX/XX/XXXX ). 
In the correspondence letter from Statebridge dated XX/XX/XXXX ( received XX/XX/XXXX via CFPB ) states, " As of the date of this letter, your account with Statebridge is reflecting a current status with a next payment due on XX/XX/XXXX ''. 
To the contrary, the XX/XX/XXXX statement sent by Statebridge continues to demand payment for forced placed insurance and lists late fees. I contacted Statebridge and spoke with a woman by the name of " XXXX '', ( Team Lead is her title ), whom has informed me that the letter I received from Statebridge dated XX/XX/XXXX, claiming to have cancelled lender-placed insurance on my property as of XX/XX/XXXX, is incorrect. XXXX seemed to feel that she was more knowledgeable than whomever was communicating with the CFPB and questioned the validity of the documents sent as attachments from Statebridge, in response to my complaint. Ms. XXXX has further complicated this matter with her contradicting statements and brash demeanor. I requested a mortgage statement reflecting what " XXXX '' was stating, as she informed me that the current statement sent to me was also incorrect, but she said she could not or would not be forwarding a correct statement. XXXX instructed me to send in a payment different than the amount demanded on the mortgage statement I received for XX/XX/XXXX payment. 
This has to be one of the most dysfunctional companies I have ever had the displeasure of dealing with. 
It appears I have no other option to get a straight answer, than to seek legal representation.
Consumer complaint received 2019-02-01
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: Social Finance, Inc. (CA)

I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. Sofi lending XXXX 2.  XXXX XXXX XXXX XXXX, 3.XXXX XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX XXXX XXXX XXXX 1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TN)

In accordance with the fair credit Reporting act the Dept. of Education/ AidVantage, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-28
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. (LA)

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 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

Dear Resurgent Receivables LLC, and XXXX XXXX XXXX XXXX XXXX XXXX 

I received your letter at my address dated on XX/XX//2022.

However, I h

ave two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.
Consumer complaint received 2019-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

I noticed on XX/XX/XXXX that XXXX XXXX XXXX fraudulently placed a negative account in collections in my name. The date of the account is XX/XX/XXXX. I did not open an account with XXXX XXXX, therefore, this should not be on my record. I have filed a police report and identify theft report with FTC.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I paid twice for the same rental car, once through XXXX with a discounted rate due to prepayment, and again to XXXX XXXX XXXX which they refuse to refund. USAA denied my dispute. 

XX/XX/2023 : I booked a car rental fully prepaid in the amount of {$510.00} using my USAA XXXX with XXXX ( Booking number XXXX ) for a car rental ( XXXX XXXX ) from XXXX XXXX XXXX to be picked up at XXXX XXXX XXXX  on XX/XX/2023 and returned on XX/XX/2023. Again, fully prepaid with {$0.00} due on arrival. 

XX/XX/2023 : Location XXXX XXXX Airport XXXX XXXX XXXX. I showed the XXXX representative the confirmation, and my USAA XXXX card was charged {$560.00}. I was assured in person and via phone by XXXX XXXX XXXX that the amount would be refunded when the car was returned because I had already prepaid for the rental through XXXX. 

XX/XX/2023 : The car was returned as scheduled, but XXXX XXXX XXXX refused to refund the {$560.00} even though all necessary documentation was offered to the representative. 

Through USAA I started Dispute Claim number XXXX, which was denied.
Consumer complaint received 2022-09-02
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. (TX)

The Credit Bureaus have done nothing! I have been disputing the fraudulent items reporting on my personal Credit Report by submitting numerous dispute letters as well as submitting CFPB complaints addressed to the Credit Bureaus and it is clear that the Credit Bureaus have done nothing! NOTHING AT ALL! I have read that the Credit Buruas are required to remove any accounts and information that resulte due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus continued reporting the disputed items without providing me copies of documents to prove the Credit Bureaus ' claims. This act by the Credit Bureaus is a clear violation of my rights under the FCRA Regulation. I am now submitting this CFPB complaint to request that the Credit bureaus remove the disputed items as soon as possible from my Credit Report. I need teh following items deleted completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX AN # XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX & XXXX listed a collection inaccurately on my credit report that I've already had removed. The dates, in which they've listed, are false and seem to restart over and over to make the debt appear to be more recent.. The collection agency willfully re-aged and knowingly placed this collection ( with false information ) on my credit report. 
I did not receive a validation/verification letter in regards to this debt being sold to them previously, before the debt appeared on my report. This has caused my credit score to drop tremendously and resulted in denials of credit lines and violated my rights.. Under FCRA and FDCPA guidelines I asked for a proper investigation, in which the bureaus claimed the debt verified. There were no interviews from family, friends, or my associates regarding my character or reputation. The date last reported is false and re-aged so how can the debt be verified and it is not 100 percent accurate. There were many violations made on the behalf of the collection agency. Including my right to privacy as stated in ( 15U.S.C 1681 section 602a ) nor did I give anyone written permission to furnish this on my report as stated in ( 15USC 1681 604a ) ( 15 U.S.C 1681g ) ( 15 U.S.C 1681c ) ( 15 U.S.C1681s2 ) ( U.S.C 1681b ) ( 1681a )
Consumer complaint received 2023-01-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXXXXXX XXXX - Partial Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Partial Account # XXXX XXXX XXXX XXXX  - Partial Account # XXXX XXXX XXXX XXXX Partial Account # XXXX has violated my rights in more ways then one. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C. 1681 section 604 A Sec 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681i states that XXXX, XXXX  & Trans Union shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2022-09-02
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)

The Credit Bureaus have done nothing! I have been disputing the fraudulent items reporting on my personal Credit Report by submitting numerous dispute letters as well as submitting CFPB complaints addressed to the Credit Bureaus and it is clear that the Credit Bureaus have done nothing! NOTHING AT ALL! I have read that the Credit Buruas are required to remove any accounts and information that resulte due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus continued reporting the disputed items without providing me copies of documents to prove the Credit Bureaus ' claims. This act by the Credit Bureaus is a clear violation of my rights under the FCRA Regulation. I am now submitting this CFPB complaint to request that the Credit bureaus remove the disputed items as soon as possible from my Credit Report. I need teh following items deleted completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-02
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.