davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I dont understand why and how you have my wrong address still I wrote you about this back in XX/XX/XXXX its now XX/XX/XXXX and its still not fixed. Bceause of your inaccurate error I can't put a new roof on my home. Correct or I will be forced to seek more legal councouil
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

my student loans on my transunion and XXXX show that it is open and has not been updated as i my student loan have been paid in full by student loan relief program last XXXX and XXXX. A month after my student loans were taken care of my XXXX  updated that it was paid and closed the account and this dropped my debt to ratio down but my other credit reports have not.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I recently applied for a home loan and in doing so, I discovered a negative file on my credit report from Choice Recovery of {$41.00} for a medical debt. I have never received a bill or notice from Choice Recovery for this debt. Upon discovery I contacted Choice Recovery today, XX/XX/2019 and a representative informed me where the bill was coming from and it is for a service I received and I'm willing to pay for this bill. However, I have never received a bill prior to today to be able to pay and avoid this negative reporting. When speaking with the representative from Choice Recovery, it was confirmed that the address they had didn't include my unit number for me to be able to receive the bill properly. I asked that the negative reporting be removed due to this and was informed, the negative reporting couldn't be removed and only marked as closed and a satisfied debt if paid. This is unacceptable considering the error in the billing address they have. I request that I receive a proper bill at my correct address and the negative reporting removed from my credit file
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-07-17
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. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Several weeks ago ( 3-5 weeks ) Transunion removed all of my hard inquiries from my credit report at that time my credit score was between XXXX and XXXX depending on which agency I looked at. After the removal of the hard inquiries my score increased again to almost XXXX. This past week I checked my credit report and Transunion added all of the hard inquires to my credit report again causing my credit score to drop drastically to below XXXX. I contacted Transunion and spoke with a customer service rep and his supervisor who told me that the inquires were removed due to a " technical issue '' at this point I informed transunion that the re-addition of the inquires have significantly hurt my credit score, the supervisor told me that the inquiries that were added back to my credit report did n't change my score at all and refused to remove the inquiries again. I want to buy a home in the beginning of next year and have been working very hard to improve my credit score. I feel that I as the consumer should not have to suffer due to transunion " technical issue ''.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have made several attempts to have my account with XXXX XXXX, which is 6 years old reflect as closed with both XXXX and with the reporting agencies to no avail I was not able to do so and was told by XXXX that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.
Consumer complaint received 2024-02-13
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ) ( section 604A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor nay not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-17
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. (TX)

Hello there are some addresses that should not be reporting to my credit report. I have filed a police report. I also have proof of documents for my real address. Showing my utility bill and SSN. Please remove the others for they are not accurate.
Consumer complaint received 2023-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (TN)

I submitted an XXXX revocation on XX/XX/2023. I have signed up with a debt consolidation company and this account was included. On XX/XX/2023 Explore Credit debited my account for {$150.00} which caused my account to be overdrawn. I contacted the company about the revocation and they said they received the revocation in plenty of time but would not honor it until I send them 3 months bank statements, a copy of my drivers license and of all things, a selfie. I advised them they were not getting that and that the XXXX revocation should be enough. They advised until they received all of those documents they would not honor the revocation and would continue to debit my account
Consumer complaint received 2020-05-28
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. (LA)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-17
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. (MI)

Equifax is not letting me exercise my federally protected rights under 15 U.S.C 1681. Equifax last response lack documents and listing Im requesting. See attachment.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$140.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).
Consumer complaint received 2024-02-13
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. (IN)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2022-07-17
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc. (NC)

The company, Advantage Credit , Inc located at XXXXXXXX XXXX XXXX  # XXXX XXXX, Co XXXX placed an inquiry on my credit reports, XXXX, XXXX, and XXXX dated XX/XX/2021. The problem is I have reached out to this company via certified mail and have yet to hear anything about why they, Advantage Credit Inc, placed an inquiry on my credit reports. I am asking for what the law requires which is proof I gave Advantage Credit , Inc permission to check my credit to do any business with them.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AZ)

I learned that my personal information was part of the security breach at Equifax and signed up for their complimentary credit monitoring service, XXXX XXXX, on XXXX XXXX, XXXX. At that time, a message stated an email will be sent within the next several days with a link to complete the sign-up process. I have called them several times and they just keep telling me to wait and they have a lot of people to respond to. As of today, XXXX XXXX, XXXX, I still have n't received the email with the link to complete the process. I have helped others with this same problem after I submitted my information and they have received their email link. I do n't understand what the problem is and tired of getting ignored by Equifax when they where negligent in protecting my information in the first place.
Consumer complaint received 2024-02-13
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. (NY)

I reviewed my credit reports and it shows erroneous and unverified item that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion and XXXX have 2 addresses reporting on my credit report that do not belong to me : 1. XXXX XXXX XXXX, XXXX GA XXXX ; and 2. XXXX XXXX XXXX, XXXX XXXX GA XXXX
Consumer complaint received 2022-08-08
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. (IA)

THESE INQUIRIES should not be on my report IT HAS CUSED ME TREMENDOUS MALIC WITH TRANSUNION, CAN YOU PLEASE REMOVE ASAP, MY FAMILY IS SUFFERING FROM THESE CONDITIONS
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NY)

Our business Been close since XXXX and we haven't been available to made a single payment on our business account, and they as a tactic to collect the debt has been reporting to my personal credit now my personal credit is mess up and I can't neither rent an apartment because there is a report of no payments on a business account. 

I tried to settle the account and offer the bank to made 6 payments of XXXX each to settle the account the bank say they no willing to settle, I have no option other than close business we on the entertainment and our business has been no operative for a long ride if we can't settle it we will no settle this will be no other option than file bankruptcy in both personal and business and I am trying to avoid this.
Consumer complaint received 2022-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (KS)

I applied for this loan under the impression that it would have reasonable terms but have found that they illegally gave me too much by kansas law and the term date was too long for a payday loan, over a year. And even if it was not a payday loan they are charging too much interest ( 300 % apr ). 
On their website it makes it so hard to specify what type of loan it is and when i call they dont give straight answers and are unprofessional/disrespectful.
Consumer complaint received 2020-05-28
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-05-28
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. (VA)

CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in TranUnion, XXXX  and XXXX  all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

XXXX  has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

TransUnion had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I requested by certified mail for the highest available standard to date of debt validation to be proformed on this account. Also the original contract with my signature : All invoices : charge slips : payments : or promise note to prove my indebtedness : And the furnitures contact information and findings of his reinvestigation. The law clearly states that any information that can not be validated or it's found to be incomplete, Inaccurate or incorrect must be DELEATED NOT UPDATED. XXXX has already removed this account from my credit report!!! I demand Transunion and XXXX follow suit!!! I have been impacted negatively by this Improper debt reporting and have been disputing this over nine months. I will not wait another 60 days for the company to respond. This damage is irreversible!!!! By law, they have thirty days from receipt of my certified letter dated XXXX. I demand that immediate deletion of this account.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (NY)

On loan # XXXX with Loandepot I was told I had a " locked in '' interest rate. After interest rates went up the company turned down my application. I have quite a bit of evidence proving my eligibility but the company has ignored all my calls emails etc. 


I have too many attachments to email.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.