davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: Garrison Investment Group (CA)

I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am presently XXXX and trying to secure a residence ( and not with another slumlord ). I had an eviction that happen some years ago when I was struggling after losing my significant other ( I am a single parent of three ). I do not want sympathy or a hand out I worked very hard to get to a better place in life. I had my eviction sealed, but Transunion is still reporting this to prospective landlords, I have been trying to work with them to get this removed so that I can procure proper housing for me and my children. I have been in contact with them and was told they needed the signed order from the judge. Because I was working with an attorney I asked if i submit it can this be expedited due to my circumstances and was told yes. I obtained the info and submitted it to the email address giving to me by the Transunion representative, when I called to inquire if it was received I was told it was not, at this point I verified the email address and asked for a supervisor. The young man was very understanding and helpful. He had me try several times to resubmit the info while we were on the phone, yet he was not seeing it come through. So he sent me an email and had me respond with the document which he finally received. He told me to call back on Tuesday ( XX/XX/22 ) But I called Monday just to make sure this is being handled. The young lady on the phone told me I had to wait for up to 30 days, I explained to her this is not what I was told. I then asked for a supervisor and was told I couldn't hold for one ( as I did on Saturday ) but that i had to leave a message. I just need this info updated so that I can give me kids a stable place to reside and this is totally unfair to me as a consumer.
Consumer complaint received 2022-08-09
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)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} XXXXXXXX XXXX XXXXXXXXBalance XXXX {$3200.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion has failed to exercise its grave responsibilities to report with fairness, impartiality, and respect for the consumer XXXX XXXX right to privacy, On XXXX XXXX XXXX manually disputed USBK COURT XXXX XXXX Docket number XXXX. On your website https : //www.service.transunion.com it states to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. I visited the site and it states in Bold Black letter Public Records. In the paragraph following it states that TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. 

On XX/XX/2023, I received dispute results from XXXX dates XX/XX/, it states in detail that XXXX filed my dispute regarding the following data with this listed entity. The listed entity the dispute was filed with being TransUnion Consumer Relations. The letter also stated as of the date of this letter XXXX has removed the dispute information from my file. 

However, TransUnion is STILL reporting a Bankruptcy on my consumer file. On TransUnions website, it states that XXXX provides TransUnion with this information about bankruptcy. 
XXXX has disputed the bankruptcy with TransUnion informing TransUnion that Bankruptcy XXXX has been deleted and TransUnion continues to respond stating that, Bankruptcy XXXX has been verified as accurate. How? 

If the FCRA states that credit reporting agencies must report with fairness, impartiality and respect for the consumer rights, and TransUnion states that they obtain information from XXXX this is proof that this account should be blocked, deleted, and removed. Who is TransUnion verifying this Bankruptcy with? Themselves? XXXX has stated its been removed. 
Bankruptcy XXXX is reporting inaccurately and needs to be DELETED from XXXX XXXX consumer file. I am also aware that TransUnion MUST report fair and accurate reporting amongst ALL THREE BUREAUS. XXXX and XXXX have BOTH deleted Bankruptcy XXXX and updated my consumer credit report please see attached documentation. I am demanding TransUnion to block, delete, and remove this bankruptcy. This is my last step before filing a Complaint for violating the law in federal court. 


Public Records USBK COURT XXXX XXXX Docket # XXXX
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

A XXXX Credit Card was sold to LVNV FUNDING and XXXX law suits were filed the first was dismissed to investigate the fraud claim the law firm for LVNV XXXX XXXX and XXXX never contacted me after that 3 months later they file a XXXX Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to LVNV AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both LVNV and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from LVNV nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.
Consumer complaint received 2023-03-30
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. (MA)

My name is XXXX 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 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (GA)

XX/XX/XXXX - Received a short ring then an immediate voicemail from XXXX ( XXXX XXXX XXXX. 
The voicemail made a mention of a debt collection so i immediately attempted to call back and find out what occurred. I believe the company identified theirselves as XXXX. I called and said i was seeking to find out what is going on, and was immediately directed to provided my social security number. I refused since i had not been given any information about the debt, nor had any idea who or what i could possibly owe for since we pay all of our debts. The person on the phone refused to provide information and said she needed my information to tell me about the debt, i said that's ok, but i am not going to give any of my personal information without more context. I did confirm who i was by name, and they lady as an alternative said i could confirm my month and year of birth, which i agreed to do. From that point the person on the phone was HIGHLY confrontational, and disrespectful. She went on to say i owed XXXX to XXXX XXXX  XXXX  from XX/XX/XXXX, and wanted my card information. I told the person that i've lived in the state of Georgia since XXXX, and had not been to nor been seen by anyone with XXXX XXXX, nor has any of my family. She said that they could not provide me anymore information and since i declared that the bill wasn't me, and she demanded that i provide her a fax with a written complaint. I explained again that i am not going to give anyone anything without information about the bill. The person continued to be rude and hung up on me. I then followed up with XXXX XXXX XXXX XXXXXXXX XXXX to attempt and identify if this was a legitimate store. I talked to two people associated to the healthcare service, and neither person could identify an outstanding bill or any balance owed. I'd like assistance from CFPB in resolving this matter, or identifying fraudulent activity.
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc (OR)

last XXXX on a new chime account i put XXXX bucks on the new card that night the funds were taken by them and next day they closed the account. i have tried for 9 months to get funds back to no avail its either we sent the funds but didnt then i had to send many selfies of my self and id and the days date bue then they allways come up with something else.i asked many time just to send funds to the adress on file thesame place the card was sent to but XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-30
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. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15USC1666B 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 2022-07-19
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. (CO)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

This complaint is against Caliber Home Loan. I have a mortgage and an escrow account with Caliber. In XXXX Caliber didn't pay my property taxes while I was paying them into my escrow on a monthly basis. Every quarter I would receive a delinquent notice from my city tax department, and I would organize a conference call with XXXX XXXX XXXX XXXX. to resolve the issues. 
In XXXX, Caliber re-calculated my escrow account and sent me a letter. I agreed with Caliber ( XXXX ) to pay the shortage. I paidXXXX on XXXX ( with a note that this money have to be applied to my escrow ). The money were misplaced to my mortgage principal. After multiple calls, and HOURS on hold with Caliber, they agreed to reverse this payment to the escrow account ( request placed on XX/XX/XXXX ). The reversal was finally processed on XX/XX/XXXX. I also pay my monthly statement balance ( mortgage and escrow ). Amount due on XXXX XXXX was {$1700.00}, which I paid and it is reflected in Caliber system. But it seems that they misplaced that payment as well, and as a result I'm charged with {$64.00} late fees. 
I also asked a qualified supervisor to call me ( multiple times ) which never happened.
Consumer complaint received 2021-04-07
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. (TX)

HAVE NEVER BEEN 30 DAYS LATE. LATE FEE DID NOT SHOW UP ON MY CREDIT REPORT UNTIL XX/XX/XXXX. THE LATE PAYMENT IS FOR XX/XX/XXXX. WHY DOES IT TAKE 7 MONTHS TO POST A LATE PAYMENT? 

I HAVE DISPUTED WITH THE CREDIT BUREAUS SEVERAL TIMES SINCE XX/XX/XXXX AND IT WAS FINALLY REMOVED XX/XX/XXXX. XXXX JUST TO RETURN XXXX I FINALLY DISPUTED WITH XXXX ( XXXX  ). AND THEY SENT A LETTER STATING I HAVE NEVER BEEN LATE. 

****PLEASE SEE COPY OF LETTER SENT********
Consumer complaint received 2023-03-30
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consums rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Child SU # XXXX, XXXX XXXX Child SU # XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

1 5 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follo wing items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank of America took the balance out of a checking account and closed the account without any explanation as to why. I was Power of Attorney for my mothers checking account. She passed away XX/XX/2021. I have been trying since then to find out why the account balance was cancelled and closed. Bank of America has kept me on hold almost every day since then, sometimes for hours. They never answer the phone and they say on their website that you can make an appointment to come in and see them. That is not true as there is no access to do so on their site. If you go to their location, they tell you that you need an appointment. It is nothing but a horrible run around with no way to alleviate the problem. They took out the balance of the checking amount of {$690.00} and closed the account when I go on line, with no explanation of why or how to find out why. The worst run around I have ever experienced and they make it impossible to contact them.
Consumer complaint received 2022-07-19
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. (CO)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-09-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX  and XXXX   level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NV)

My account was automatically placed on forbearance. Payments made were applied to principal. After restarting Payments I have been on time making payments to my loans but it keeps showing past due. I have been sending emails regarding this issue but no reply and unable to get anyone on the phone for assistance
Consumer complaint received 2024-02-08
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I've contacted Community Bank numerous times via phone and mail to fix inaccurate information being reported on my credit report. I have not received a response back. I've submitted messages via the secured message as well, and was told that I needed to contact the company via mail for the disputes at which I stated I have numerous of times, and still haven't heard a response on having the inaccurate and false late payments removed from my account.
Consumer complaint received 2021-04-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lil' Wave Financial, Inc. (ID)

Superior Loan Servicing is the servicing company for my loan. The lender, XXXX XXXX, was matched with me through my loan officer. The lender hired Superior Loan Servicing to handle my loan. The lender contacts me via text messages, email and phone calls unbearably. He is rude to me, embarrasses me, harasses me, threatens me and is very annoying. I had a fire on my property and my insurance sent the repair money to me and the mortgage company. The lender is micromanaging me and harassing me during the repair process. He threatens me with timelines and I dont know how legal his behavior is, but I know its not professional.