davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are numerous inaccurate and unauthenticated items on my credit report. As a result I am suffering from severe stress and sadness. This is affecting my day to day life and I am struggling to be present with my kids because of this ; it is occupying my mind 24/7. Clearly the agencies are not concerned with the repercussions on their failure to ensure the accuracy of their reporting and now here I am being affected by their errors.
Consumer complaint received 2022-08-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX TIAA bank XXXX XXXX XXXX XXXX  XXXX VA XXXX THE REFERENCED DEBT COLLECTORS HAVE ENGAGED IN DECEPTIVE PRACTICES, AND BROKEN CONSUMER LAWS. 
UNDER THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). 

SUBJECT : This is a formal complaint and request for an immediate investigation, intervention and your protection on this egregious matter against the above referenced Debt Collectors for doing dual tracking under XXXX XXXX XXXX XXXX " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 

I have been trying to obtain a modification from the above debt collectors, for my under water property. I submitted my application on XX/XX/2022 within a 10 weeks the debt collectors have put a sale date on my property for XX/XX/2022. I have been advised that my application is been reviewed by the underwriter and nothing else is needed as per a Phone call made to TIAA Bank Servicing XXXX ( XXXX ) XXXX on XX/XX/2022, spoke to XXXX, a TIAA representative. 

The above debt collectors also failed to provide verification and validate the alleged debt from the original creditor with true and certify signed original contracts to validate the debt. and verification through audit certification of debt entry in accordance with XXXX, and XXXX. 

Please by the intervention of an investigation of THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. 

Thanking you in advance,
Consumer complaint received 2020-07-01
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. (CT)

In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( XXXX, XXXX, and Experian )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( TransUnion, XXXX, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.
Consumer complaint received 2020-07-01
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: DISCOVER BANK (CA)

Per court order my ex husband is sole owner of account and I was to be removed. I went to XXXX XXXX and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Former address is incorrect. 

Equifax Former Address XXXX XXXX XXXX XXXX CALIFORNIA XXXX Equifax I have never lived in California and I believe this address may be connected to someone who lived there stealing my identity.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The bankruptcy reported on my credit file, Bankruptcy XXXX XXXX XXXX XXXX, is inaccurate and does not comply with the law. There was never a judgment, trial, or case associated with this matter.
Consumer complaint received 2020-07-01
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: GOLDEN 1 CREDIT UNION, THE (CA)

Per court order my ex husband is sole owner of account and I was to be removed. I went to golden one and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the recent removal of a charge-off from my account with Credit Bureaus XXXX This action has been taken without any prior notification or justification, and it has had significant adverse effects on my financial standing and credibility. 

I was informed that a charge-off had been applied to my account due to incorrect balances. While I understand the circumstances that led to this decision, I have diligently worked to rectify the situation and fulfill my obligations to Credit Bureaus. I have demonstrated my commitment to resolving the issue in good faith. 

To my surprise and dismay, I recently discovered that the charge-off has been removed from my account without any explanation or communication from your end. This unilateral decision has left me in a state of uncertainty and confusion, as it directly impacts my credit history and financial reputation. 

I demand immediate clarification and justification for the removal of the charge-off from my account. It is imperative that Credit Bureaus provides transparent and accountable reasons for this action, as it has far-reaching implications for my financial well-being. 

Furthermore, I request that you promptly reinstate the charge-off on my account unless you can provide compelling evidence and rationale for its removal. This matter must be resolved in a fair and equitable manner, taking into account my rights as a customer and the principles of accountability and transparency. 

I expect a timely response to this complaint and a satisfactory resolution to the issues raised. Failure to address this matter adequately will compel me to explore other avenues for redress, including seeking legal counsel and escalating this complaint to relevant regulatory authorities. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07
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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX of 2021, I filed a dispute with Equifax about the unverified many unverified collection accounts on my credit profile. These accounts were removed from the other two major credit bureaus. In these 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. I have uploaded the account and dispute letter. Thank you
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (OK)

I received a letter from XXXX XXXX, XXXX regarding an attempt to collect a debt from PayPal. I called the agency but they could not give me any information. I called Paypal and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not authorize hard credit pulls from 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
Consumer complaint received 2024-02-07
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. (TX)

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (GA)

My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-07-01
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: EQUIFAX, INC. (GA)

My name XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY they are inaccurate. MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I need my correct information updated.I have some addresses on my credit file that are not accurate. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2020-07-01
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I received information from Experian that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files immediately.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX sent information to XXXX without my consent and violated the privacy consumer act that prohibits 15 u s c 433.3 and 15 u s c section 1601 and third party reporting information that was released without my consent i feel behind do to the enormous economic crisis with job loss and inability to pay on time debts
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am devastated. I was doing a personal investigation into my credit and felt distressed as I looked and saw that there are a myriad of errors being reported on my credit. The information that is reflected on my credit report is unfound and unverified, yet I am being penalized for the agencys failure to do their job and make sure every reporting is 100 % accurate.
Consumer complaint received 2020-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$580.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I am a victim of identity theft and I never opened this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$600.00}. The original creditor is XXXX. I am a victim of identity theft and this debt is not mine. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These companies pulled and ran my credit without authorization. I have 4 fraudulent Hard inquiries on my transunion credit report on XX/XX/2022 from : 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 2021-06-21
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX and credit card purchase was made to XXXX  in the amount of {$490.00}. My husband tried to use the software and was not working. He tried to get in touch with the company with no response. Then a dispute was put in with Bank of America on in XX/XX/XXXX. Received a letter in the mail on XX/XX/XXXX which was dated XX/XX/XXXX asking to sign and date the letter to indicate not satisfied with the product and to produce additional information which I did and had to be submitted by XX/XX/XXXX. Given 2 days to respond is quite absured. They were sent the screen shots showing XXXX  was a scam the business was temporarily closed. They denied the dispute. Then we spoke with a XXXX XXXX back in XX/XX/XXXX from Bank of America and he advised he will reopen and review and will get back to us in 30 days. This did not happen and we spoke with Bank of America on XX/XX/XXXX and they stated a claim was never put through again for the {$490.00} charge which XXXX XXXX stated he would do. Received a call today from Bank of America and they advised they are not going to refund the money. Mind you numerous calls have been made to Bank of America previously from this. We were charged for a product that was a scam. I have been a long time Bank of America credit card holder and I find this absolutely ridiculous. I am sure they would have no problem refunding {$20.00} but they would not refund {$490.00}. I feel I am due the money back since it states this company is a scam and temporarily closed.