davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX {$57.00} XXXX {$0.00} XXXX C SYSTEM ( Original Creditor : INTERMOUNTAIN XXXX {$190.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX ( Original Creditor : XXXX CHARTER COMMUNICATIONS ) XXXX {$170.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX {$120.00} XXXX C SYSTEM ( Original Creditor : XXXX XXXX ) XXXX {$210.00} XXXX LAND COL ( Original Creditor : EPIC XXXX XXXX XXXX XXXX ) XXXX {$1600.00} XXXX ( Original Creditor : XXXX THE XXXX XXXX ) XXXX {$300.00} XXXX LAND COL ( Original Creditor : EPIC XXXX XXXX XXXX XXXX ) XXXX {$1600.00} XXXX XXXX COL ( Original Creditor : UTAH GASTROENTEROLOGY ) XXXX {$250.00} EXPRESS RCVY ( Original XXXX : UNIVERSITY OF UTAH XXXX CA ) XXXX {$720.00} EXPRESS RCVY ( Original Creditor : UNIVERSITY OF UTAH XXXX CA ) XXXX {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX AMBULANCE ) XXXX {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX AMBULANCE ) XXXX {$0.00}
Consumer complaint received 2022-08-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC (LA)

This person whom Id thought was going to help me, helped herself instead. It hasnt been easy tracking her down but at least I know her name. She moved in the apartment XX/XX/2021. How?? IDK she mustve had gotten evicted and left a very huge bill. The bill was {$3400.00}. Amazing isnt it. Now Im left with debt collection and I know crying wont fix anything. So Im trying
Consumer complaint received 2022-08-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptlyXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Reporting inaccuracies on my credit report I recently disputed with all three bureaus that took more then 30 days for any validation or verification documents to be sent to me I have recently these items are inaccurate and need to be removed
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (LA)

I have tried reaching out to this company on numbers occasions. and they do not respond back within the 30 days given, I have attached all paperwork. These items do not belong to me, I have always been insured with medical insurance and I have no knowable whatsoever on these items that are holding me back with having good credit.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX Account Number XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Customer service transfers you over and over and you get the runaround. My question relates to getting the Account and Routing numbers. Prepaid cards DO have this as well. B of A is dragging their feet because they told XXXX  they wanted OUT of the contract to provide the service. 

Online threads ( see attachment ) report that people have been able to get this information- so it has to be available somewhere.
Consumer complaint received 2022-03-08
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)

I have tried contacting this company asking for information on this account. I did not authorize this account. This account is not mine and i have told them that and they will not remove this fraudulent account XXXX XXXX XXXX XXXX acct # XXXX XXXX I also found some incorrect addresses on my credit report as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX CT XXXX XXXX NY XXXX I also found incorrect spelling of my name XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

someone opened a credit card on XX/XX/2019 under my name i try to dispute it several times with capital one and the 3 reporting agency and i always get the results as verified and belong to me its stopping me from getting credit and refinancing my home and get car loan its affecting the daily life I need to resolve this immediately please help me
Consumer complaint received 2022-03-08
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. (NY)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (MI)

Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 
XXXX XXXX XXXX XXXX Date of inquiry XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I have submitted disputes through XXXX  and XXXX. The loan shows as closed on my XXXX  report and it was paid off in XXXX of 2021. On my XXXX report the loan is still open with an unpaid balance. Both are incorrect.
Consumer complaint received 2022-03-08
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. (MO)

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On Friday, XX/XX/XXXX, I originated a wire from my bank to Citizens Bank to payoff my mortgage. The wire was received by Citizens, but after XXXX. Since it was received after XXXX, Citizens Bank did not apply it to my account until the next business day which was Monday, XX/XX/XXXX. My account continued to accrue interest and I was then charged an additional {$250.00} to complete the payoff. 

Citizens Bank had my funds but did not apply them to my account. I don't think it is fair that I was charged three days of interest.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XX/XX/2019 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Consumer complaint received 2022-03-08
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. (MO)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of 2021, I XXXX XXXX, applied for two credit cards via Bank of Americas website. 
Reference number # XXXX XXXX Reference number # XXXX XXXX I received a letter in the mail stating I was denied based the Credit Reporting XXXX XXXX XXXX 



When I check on XXXX website I saw several fraudulent claims that are currently in the process of being removed. 

It is not fair that Bank of America was given my social security number then denied credit that I extended to them. Based on a consumer report that furnishes inaccurate information about XXXX XXXX.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (MD)

I entered into a 15 year lease for solar panels in XXXX with a company that is now bankrupt, XXXX. The lease specifies monthly payments that escalate by approximately 3 % per year. The entity collecting the payments has changed several times since then, and all the servicers abided by the original contract except the most recent one, XXXX XXXX Experts which also does business as Spruce. In XX/XX/XXXX, they started billing me for the monthly amount due in XXXX instead of the contracted amount for the current year. Because this was set up as a direct debit from a checking account, I also contacted my bank on multiple occasions and they helped me receive refunds for the incorrect amounts. When the wrong amount continued to be debited, the bank blocked Spruce 's account number after reading my original contract with XXXX and agreeing that Spruce was not abiding by the contact terms. The very next month, Spruce attempted to circumvent that block by putting through a debit under a different name, which was caught by my bank and not paid. At that point, the bank advised that the only way to stop the debits was to close the account, which I did, at considerable inconvenience. I started paying with paper checks from that point forward. Subsequent invoices from Spruce started showing seemingly random, wildly high amounts. After numerous unsuccessful attempts to contact them, I lodged a complaint with the Maryland Office of the Attorney General who sent them the attached letter. Spruce completely ignored the correspondence, and I was advised by my representative at Maryland XXXX that there was nothing more they could do to assist. Today, I continue to pay the correct amounts per the original contract by paper check and continue to receive invoices for amounts that appear to have been plucked out of thin air. I went online to see if others had similar experiences with this company and came across their XXXX  ranking of XXXX Anything you can do to assist me in getting the attention of this rogue company and getting them to honor their contracts is most appreciated.
Consumer complaint received 2022-03-08
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. (LA)

I have file this same domplaint many times with CFPB and XXXX have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I will to see documents showing the company has the right to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 


Collection accounts disputing XXXX XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$140.00}
Consumer complaint received 2022-03-08
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: Freedom Mortgage Company (TX)

Freedom Mortgage doubled our mortgage payments from approximately {$1800.00} to {$3600.00} beginning the month of XX/XX/2021. I tried calling to reach someone to discuss and received telephone prompts. As I continued to follow the prompts, I was given an option to pay either a minimum amount ( {$1800.00} approx. in which was our regular payment amount ) or the new payment amount ( {$3600.00} approx. ). 
After paying the minimum amount we eventually found out later that the amount we paid was placed into an unapplied funds account and not credited to our mortgage payment. This led to a credit reporting for missed payment. We disputed the report to no avail. In the meantime we spoke with several representatives whom sited that the payment increase was due to property taxes not being accurately calculated for XXXX. We did get a payment reduction after our negative escrow balance was spread out over time. Yet, we are still faced with a bad credit reporting, in which dropped our credit scores substantilly. 
We've continued to try and get this resolved with the company, in regards to the miscommunication as to their telephone prompter. However, someone in their XXXX XXXX office pretty much called us a lie in regards to the telephone prompter. However, she did go on to say that they working on getting our mortgage payment reduced even further than the recent reduction, we're still waiting on that. As of now noone returns our calls. Whenever we do reach someone, everyone seems confused ( No notes!! ).
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (NY)

I SPOKE TO NAVY FEDERAL WHO I BANK WITH AND I EXPLAINED TO THE ACCORDING Your company is in clear violation of the law, Pursuant to 15 USC 1681a ( 2 ) ( a ) ( 1 ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions and Experiences between the Consumer ( ME ) and the person NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my consumer report THEY ARE REPORTING MY UTILIZATION REPORT WHICH IS AN EXPERIENCE AND IT SHOULD NOT BE THERE. I REQUESTED THEY INSERT 5 % OR LOWER FOR THE UTILIZATION OR REMOVE IT COMPLETELY FROM MY REPORT.