davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-03
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. (MA)

Hi XXXX  ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2019-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I got a call from my credit card company a few days ago on charges that were appearing on my card. I was told I had charges every month from Trans Union for {$24.00} since XXXX and I told them I didn't authorize any charges from Trans Union. They gave me the number to call and when I talked to the representative she couldn't help me. I told her I ordered my credit score from XXXX XXXX XXXX on the Trans Union website but never authorized a monthly subscription. I asked her to email me in writing where the authorization took place and she said she would but she never emailed me. In addition, she said she would cancel the subscription and email me but again no email. I finally found out how to log in and canceled the subscription or at least I hope it is canceled. This is not fair to the consumer to be charged monthly fees without consent. The charges were as follows : XX/XX/19 {$24.00} ; XX/XX/19 {$24.00} ; XX/XX/19 ; XX/XX/19 {$24.00} ; and XX/XX/19 {$24.00}. They stored my credit card information and charged my card and I had no idea of the charges since I get paperless bills.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello, i opened an account with citibank about a month and a half ago. Everything was fine and all and i was using my account accordingly then all of a sudden my account was frozen and my online access was blocked due to unusual activity according to citibank. I right away called and they had me go over some verification steps which i did and still nothing. The last step they told me in order to verify my identity was they would send me a letter via the mail with a reference number so that when i receive it i call and give them that reference number and my identity will be verified and my account unrestricted. That letter was supposed to be sent 2 weeks ago and have called back twice and been told it will be mailed and nothing has been delivered to me. Idk what to do anymore. The last rep said he doesnt see why my account hasnt been unblocked yet if ive pretty much verified all my info already. They are holding up my rent money for no reason. Please help!
Consumer complaint received 2019-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 i received a paper check from my job. {$1000.00} to be exact. I took the check to my bank ( Bank of America ), i deposited the check and they told me it wouldn't clear until the XXXX. I check on my mobile app and it has a hold on it until the XXXX. I've called customer service, I've entered the bank and talked to them and nobody can tell me anything. The fact that i can't get any help from anyone is frustrating. I'm late on my bills and i need my hard earned money. It wasn't a personal check, and it's under XXXX dollars. But regardless, i need answerss and i hope this can be resolved by Monday
Consumer complaint received 2020-09-17
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. (IL)

I have requested verification and validation of an account on my report from XXXX XXXX. I have sent 5 letters since XXXX to both XXXX XXXX and each credit bureau. I have not received a response to my validation request nor have I received a response to my method of verification request. Each time though, the credit bureaus update the account as verified but the account has never been verified. It is the legal duty of each bureau to only report accurate and verifiable information. 
Letters were sent on XX/XX/2020, XXXX, XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have not received a single response from either letter.
Consumer complaint received 2020-09-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! 

Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with XXXX XXXX. 

My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on XXXX XXXX without pay and could not afford it. Shortly after, about 4 months later, while still on XXXX XXXX I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. 

So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called Jefferson Capital had acquired the account and was asking around about {$1500.00} to settle the account. 

I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
Consumer complaint received 2021-05-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

After I disputed information to be removed from my account the credit bureau allowed XXXX to add the same account multiple times. I have 4 XXXX  accounts but my credit report shows 16 XXXX  accounts. I have called multiple times to get the information corrected by the credit bureau Equifax but they have refused to help fix the problem. In fact every time I call for help another account appears. I thought the credit bureau was there to protect me. This information has kept me from being able secure funding for my childs education and a business loan to take care of my family.
Consumer complaint received 2021-05-03
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)

Payday loan from XXXX XXXX showed up on my credit report. I never applied or received a payday loan. Called XXXX XXXX and they said I had to do this or make a police report to dispute it. I also disputed on my credit report
Consumer complaint received 2021-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (GA)

Experian continuance in reporting false, defamatory, libelous statements that are untrue relevant to child support. XXXX XXXX XXXX agreed to pay settlement ordered by court. In support of agreement provided attachments.
Consumer complaint received 2019-06-07
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)

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regard to inquiries that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous inquiries that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These inquiries do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries are what is being reported : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that Transunion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2019-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I was an authorized user on a credit account of my fiancs. After getting married she had old debt that she could not pay so she declared bankruptcy. Prior to declaring bankruptcy she had me removed from her accounts as an authorized user but missed this account. After she filed bankruptcy and her lawyer sent out the letters she noticed she had missed this company. She called them and told them she needed to remove me. They stated oh no hes a joint account holder. I called them and they repeated the same thing to me. I told them to please send me documentation to this effect and they assured me they would. To date they have not. They just keep saying its mine and I keep disputing it. They have never called or responded to my notes saying its not mine. Now they have closed other accounts of mine and lowered limits. All of my accounts are pained on time. I have no lates ever.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

This is a complaint about all three major credit bureaus. I have tried to change personal information through virtual means and have been unable to do so. The only way the process prescribes is to send supporting documents through the mail. It is the year 2020 when so many things are accomplished through digital or virtual means. It is time to be able to change one 's maiden name to one 's married name without having to send documents through the mail but instead so that they can be sent by virtual or digital means. I am complaining because XXXX XXXX, and Experian all refuse to change the process and emphasize that these documents can only be sent through the mail. This process needs to change because it is the year 2020 and making this more difficult for a woman who has either married or gone through a divorce should not be so ridiculously and utterly difficult.
Consumer complaint received 2020-09-17
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)

My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. I spoke with the company and all three bureaus as well most recently as of XX/XX/XXXX.
Consumer complaint received 2018-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WY)

My mortgage that I took to buy my home in 2001 originally was with XXXX, when XXXX went through bankruptcy the loan was sold, changed to Green Tree then Ditech. After missing two payments during a divorce I was threatened with foreclosure. For missing two payments of {$1300.00} each, I ended up paying them over {$8700.00}.

My payments have been current through auto deduct from my bank account for the last eight years. After the threatened foreclosure Green Tree required me to do a monthly bank draft and charged {$16.00} for every draft, said that was the only way they could accept the payment. When I asked for a loan modification they ignored the paper work I sent them, called and harassed me, had a person showing up every Sunday when all the neighbors were home and made a big display out taking pictures of the property. 
My issue now is they are not showing my mortgage payments on my credit report, not showing me as a home owner, and it looks like intentionally trying to keep my credit rating degraded to prevent me from refinancing. 
Is there someone I can call to help me with this, what documents to supply etc. 
XXXX XXXX XXXX XXXX XXXX XXXX, Wy XXXX XXXX
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

there is a XXXX charge used against my permission by a family memebr who stole my card he bought a car I NEVER DID and I NEVER authorized them to use my card and now citi bank recharged this too me in violation of the card agreement and the fcba i never gave my cousin persmiions to use my card he stole it i never talked or signed or authorzied them to charge my card
Consumer complaint received 2018-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/2018 I sent a letter to Transunion disputing several inquiries appearing on my credit report. The letter was received by Transunion on XX/XX/2018. To date, I have not received a response from Transunion regarding the unauthorized inquiries appearing on my report. The have failed to comply with the FCRA and provide me with evidence of permissible purpose. Specifically, written authorization which shows that I applied for credit with the company reporting the inquiries. 

On XX/XX/2018 I sent a follow-up letter to Transunion advising that they failed to respond within the time allowable under the FCRA regarding the investigation of the inquiries appearing on my report and there has been no evidence of written authorization by me which would establish permissible purpose.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN I HAVE SENT YOU MULTIPLE CERTIFIED LETTER REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU STILL HAVEN'T FIX THE ISSUE!
Consumer complaint received 2019-06-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (GA)

1. Constant phone calls and when I answer they always hang up the phone.

2. I finally called the number back after they would always hang the phone up after Id answer the phone and they did the following : A. Kept constantly switching their responses on why they were contacting me B. Said they havent received payment since XX/XX/2019 when they automatically deduct my account every 2 weeks for over 2 years and account information never changed and funds available. When I stated this, they then changed it to they wanted me to increase my monthly payments on it. When I stated I cant increase my payment bc I was laid off in XXXX and just started a job only a few weeks ago ; she then changed her response to I have to pay them the full amount of XXXX or either settle for {$5000.00}. She stated they would no longer accept my payments of {$50.00} every 2 weeks bc I had been paying them that same amount for 2 years. The. She stated they tried to mail me but kept receiving return to sender mail back to them. I told them they were lying bc I never received a letter from them and Ive been at my address for over 2 years and USPS does not do return to sender mail when there is someone living at that address. She didnt say anything after this. They stopped payment on this account without notifying me. Then demanded I pay the whole balance and said they wouldnt accept my monthly payments anymore. I finally told the lady they would have to contact my lawyer at XXXX XXXX.
Consumer complaint received 2021-05-03
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. (MS)

XXXX XXXX XXXX  online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX XXXX, and the collection agency they turned me over to ( XXXX XXXX ) to correct this fraud requested copies of transactions and signatures, and disputed the reporting to my credit report. Now I am being sued for these charges. 
The hacking of their online systems has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

Oh XX/XX/XXXX Transworld Systems appeared on my credit report as a collections agency for XXXX XXXX XXXX XXXX in XXXX. XXXX, Florida. I was a patient in the Emergency room at XXXX Hospital in XXXX XXXX, Florida in XX/XX/XXXX. The hospital had my Medicare card ( part A and B effective XX/XX/XXXX ) as well as my Veterans Medical Card that has been in affect since XX/XX/XXXX. 

I immediately called Transworld Systems, they said they could not remove the debt but could file a dispute. I never received a call, bill or any other contact regarding anything owed. 

I called XXXX XXXX billing. I was told that they had received payment from the va in Full, in XX/XX/XXXX. They told me they would send a letter and tell the collection company. To date they still have the collection on my report. I called them and requested they contact their contact. Im trying to refinance my car and purchase a Home. I  need these items off of my report. 

They refused to do anything until they were Notified.
Consumer complaint received 2023-03-18
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. (SC)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown inquiries on my credit report. On this day, 40 days later Ive yet to receive a response. I feel that Im being ignored and taken advantage of in regard to the lack of care being given to my concerns. Section 611 ( a ) states that a failure to investigate these items of my dispute within 30 days, gives a reason to immediately remove them from my credit report. It has been over 30 days so they should be deleted promptly. I demand that this inquiry be deleted immediately or my next course of action is to file for litigation, due to the stress this situation has caused me.