davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.1681 15 USC 1681i section 611 ( a ) ( 5 ) states that the reinsertion of Previously Deleted Material if they don't notify me of the reinsertion within 5 business days is not legal. The documented reinsertion violations without 5 days notice is listed as follows ; XXXX XXXX XXXX who identified himself as a Dispute Supervisor deleted 30 day late with confirmation # XXXX. A second deletion after reinsertion was stated to be completed on XX/XX/22 with XXXX XXXX ID XXXX at XXXX as well. 

Transunion XXXX XXXX who identified himself as a dispute Supervisor stated on the call XX/XX/22 at XXXX am that the 30 day late was being removed. XXXX referenced file # XXXX as documented proof of the 30 day late deletion
Consumer complaint received 2023-01-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I was at a nightclub and later through the night I had noticed someone stole my phone. On XX/XX/2021 when I went to purchase a new phone I noticed a XXXX XXXX transaction that I did not authorize. The person that stole my phone authorized a online advance of {$1000.00} on my Wells Fargo platinum credit card and included {$500.00} from my Wells Fargo debit account in this transaction. I filed a police report with the XXXX XXXX XXXX XXXX XXXX. The incident number is XXXX and their phone number is XXXX. I also filed the reports with my phone insurance provider XXXX as well as XXXX and XXXX. Both of the companies verified the fraud and was able to authorize my request for a phone replacement and {$2500.00} refund. Wells Fargo seems to be the only company that will not refund the remaining amount of {$1500.00} that was stolen. I would like to also mention that Wells Fargo refunded {$330.00} additional dollars that was stolen but for some reason they will not refund the remaining {$1500.00} that I have yet to receive.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have received repeated calls from a debts collector named Midland Credit. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CT)

XXXX has said several times that the debtor has 100 % free reign and absolutely no accountability to the credit bureaus. XXXX has said numerous times that no matter what the creditor has agreed to in writing, on phone, or what the paper trail says, that the creditor can say otherwise, and XXXX will never under any circumstances counter this false information or contradictions by creditors. In insurance and financial arrangements, the business is held to what they put in writing and agree to, but XXXX has even not made any efforts when Shellpoint previously falsely reported that I had a XXXX mortgage and agreed to fix the mistake. Clearly if XXXX makes money and is only in business to blindly agree with creditors then they should return the billions made and not be a business because being a do nothing lap dog for creditors is something well... a dog could do. See below and what should be fixed on credit report immediately. Brought to attention of XXXX and well see if what they have said and what I am reporting here is true to the extent that I say. 

Shellpoint Mortgage previously had a XXXX XXXX mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. This needs to be resolved immediately as this unprofessional sloppiness and the months it took for Shell Point to fix the previous XXXX XXXX mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120-day lates on 2 mortgages that were approved for loan modifications and more, caused considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other Shellpoint mortgage customers for a class action lawsuit and complaints to banking commissioner.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I applied for the XXXX XXXX XXXX XXXX  via the advertised website XXXX offering 62k bonus miles and it directed me to the Bank of America website to apply. Bank of America allows for current customers ( me ) to sign in to the page and apply with my on file details. In doing this it redirects you to another page in their system. 

I was approved for the card and completed the promotional requirements where I was awarded XXXX bonus miles. I contacted Bank of America and advised them of the discrepancy and they advised me that I signed up through there website and was only entitled to XXXX points. I went back and forth with several agents and was finally able to speak to a Supervisor who went on the site as I did and found the discrepancy of it redirecting to the Banks own promotion of XXXX points. She said she would process the additional points as I was expecting. 

I received a letter a few weeks later ( XX/XX/23 ) stating that I did not qualify for the additional points as I did not apply inflight. I called Bank of America and asked them what that meant and the representative said I had to fill out a paper application with the airline to qualify. The representative did not understand that there was a dedicated website to apply and that the inflight crews do not offer paper applications. I was advised the decision was final.
Consumer complaint received 2019-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I was contacted my Navient, and offered the forbearance due to lack of funds at the time. What I was not told was how much they would be adding to my account to have payment delayed while I got my financials in order. Below are the details I received today. I also ask about how this loan was obtained considering I didn't have a XXXX   XXXX  diploma at the time. I did not complete the application and actually thought the school have received grants for the certificate I received. It was not known until I was done and missed a payment that I was informed that I have a XXXX balance. This school did everything and even had me take a test to get my XXXX XXXX  diploma after I started, which took me a couple of months. The loan was issued before I actually completed the online program for a diploma that I never even received in the mail and wants me to pay over a {$100.00} for a paper copy. At the time being young I did not understand, however now as an adult it is clear that fraud was committed for the benefit of XXXX XXXX XXXX. I have sent in appeals to navient, however they are always rejected with " missing info '' took the same form completed what was " consider missing '' not once but twice. Called to check the status and now it was never received and I need to complete a new appeal, for the third time. I am also a XXXX XXXX  and was denied to have my loans put into the forgiveness program. call regarding that and given another number XXXX, that keeps hanging up on me. 

Capitalized interest XXXX Monthly interest XXXX Daily interest XXXX Original loan balance XXXX Total interest owed now XXXX Total balance to date XXXX
Consumer complaint received 2023-02-16
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2023-10-25
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-01-12
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)

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

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$20000.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (LA)

I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.
Consumer complaint received 2023-01-12
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. (IL)

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with Experian, I have spoken with XXXX and I have spoken to XXXX, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be.

Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference number : XXXX Record type : Bankruptcy XXXX XXXX XXXXt
Consumer complaint received 2023-02-15
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: Credit Service, Inc (LA)

I was trying to rent an apartment and noticed there was a collection on my credit report stating I owed a company by the name of XXXX, I was never notified of this, this is un-verified, I have tried calling the company and disputing this as well to get if off my report. This is a defamation to my character and has also created issues for me. It is also my understanding that under fcra 15 u.s.c 1681 any of unproven, non-compliant, incomplete, untrue, and or un-verified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. 

XXXX Acct # XXXX XXXX {$1800.00}
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Between XX/XX/2023 and XXXX XXXX XXXX  XXXX  has reported to the credit bureaus that my car loan increased by XXXX dollars by missing a payment that's clearly not the case resulting in my credit score dropping by XXXX points with XXXX  and XXXX XXXX My balance as of XX/XX/2023 should be XXXX decreased from XXXX. What caused this increase balance? Not certainly a missed payment like they're incorrectly reporting. If this issue is not resolved i will sue them in court.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Fifth Third Bank is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Fifth Third Bank made an unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was deployed overseas and did not authorize anyone to make inquiries on my credit. I was unable to find the information needed to formally send a letter to Fifth Third Bank to dispute these inquiries. However, the inquiry made by Fifth Third Bank, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Consumer complaint received 2023-01-12
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)

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with XXXX and I have spoken to Transunion, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be.

Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXX XXXX XXXX XXXX Reference number : XXXX Record type : Bankruptcy XXXX XXXX XXXX