davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
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. (GA)

XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-09-19
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. (MO)

I

previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.
Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-08-09
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. (VA)

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


I told the Experian to reinvestigate these accounts : XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXXXXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 


15 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 following 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.

15 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Credit Fair Reporting ACT, this creditor has violated my rights. Under 15USC1681 section 602 states I have a right to privacy. 15USC1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under section 15USC1666B a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX, Chief Executive Officer JP Morgan Chase Cooperate Offices XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XX/XX/2021 Mr. XXXX, I am writing to you in hopes that you will be able to assist me in a fraud matter that took place on XX/XX/2021 with JP Morgan Chase Bank. On XX/XX/2021 at approximately XXXX, I received a call on my cellular phone from Chase Bank Fraud Protection Services . The person calling identified himself as XXXX XXXX, an employee of Chase Bank Fraud Protection. He informed me that Chase Bank had recognized someone in California by the name of XXXX XXXX was trying to remove/transfer {$5000.00} from my business account. He asked if this was an authorized transfer. The Chase employee was able to verify all my personal banking information. I responded to him that I was not trying to transfer this money. He went on the explain that in order to stop the transaction in progress I would need to XXXX the {$5000.00} from my business account into my personal checking account. During the process, the identified Chase employee sent me text messages with verification code. He told me the codes were used to verify my identity and help expedite the fraud prevention process. 
After I had completed all the steps he asked me to do and the phone call ended, I noticed the money was not deposited in my personal checking account. 
Once I realized that this had been a scam, I immediately called Chase Bank claims department on XX/XX/2021 at approximately XXXX. EST. I explained exactly what had occurred and told the Chase employee I could send them all the necessary text messages. I was told an investigation would be opened to further look into the matter and the {$500000.00} was temporarily placed back into my business account. 
After 6 days or so, Chase Bank informed me that my claim was denied because the money was sent to myself using XXXX. They further explain the justification of the denial was that I had used XXXX prior to this to send money to myself.

I requested at that time for the investigation not to be closed and to look further into this situation. Chase Bank declined by request and said the money was gone. I have been with Chase Bank for several years and the poor customer service and lack of an investigation is very discouraging. I have 2 accounts and any money transferred was always between those 2 accounts.

I have several supporting documents including, call logs, text messages and a police report. I am asking that this matter be re-investigated so that I can receive my funds back and whoever is responsible for this scam will be caught.
Consumer complaint received 2024-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (SC)

Tore my rep was not being fair. She was able to settle the amount but because I couldnt pay the amount in full, she renewed my debt back to what I originally owed. I wanted to settle for {$6700.00} like she said. My original debt is {$8200.00}. However, Im not able to pay in full. I kept begging her to put me on a payment arrangement and she refused! Seems like greed maybe. Im not sure if the reps get commission on that. Ethically if youre able to offer a payment arrangement then why not do it? I understand the company doesnt have to but having that option would help. This company is doing shady business with XXXX XXXX XXXX in the first place. Went to a seminar and salesman used shady tactics to get me to purchase a package. Which is fine but when I called to refund they told me no refunds allowed. Here i am today stuck with paying off a service that I never used! Im sure XXXX XXXX has other lawsuits similar to my story.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of this account for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2023-09-10
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Good Afternoon, On XX/XX/XXXX my Experian credit score was XXXX. On XX/XX/XXXX it dropped to XXXX. It states the reason is I was late for 60 days. One, that makes no sense because I would have taken a 30 day hit on the prior report. I have a 66 page credit report and have spoken to Experian.com and there is nothing that has ever been late. They are telling me the only way to fix this is to call and pay a credit person since all the accounts are in good standing. How can this be legal? They can just drop my score so I have to hire and pay someone? If they can find out what is supposedly late, why can't I? Both of my other credit reports are XXXX to XXXX. How do I fix this illegal issue? Please help? 

Payment history rating : VERY GOOD 1Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. About XXXX XXXX  of FICO High Achievers have no missed payments at all. 


0Collections 1Late Payments 60+ Days Number of your accounts that were ever 60 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


0Derogatory Public Records XXXX XXXX Accounts Always Paid as Agreed UnknownTime Since Most Recent Late Payment Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-05-30
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. (GA)

The following companies have fraudulently and unauthorized inquiries placed on my credit report that. I did not authorize anyone employed by these companies to make any inquiry and view my credit my credit report. This is a direct violation of the Fair credit Reporting Act Section 1681 b ( c ) and a seriuos breach of my privacy rights. 

XXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (CO)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

I refinanced my mortgage in XX/XX/2021 with XXXX XXXX  XXXX. During this process I provided the mortgage originator documentation of the two insurance policies applicable to the subject real property. The originator failed to include both policies in the estimated closing statement. After informing them of this for a third time they finally included it. Once the loan closed, it was immediately transferred to their subsidiary servicing company Loan Care LLC. Upon, discovery that the servicing company only had one insurance policy on file I called their insurance department to report the omission. After many assurances that it would be taken care of, the phone call ended. I later received an escrow analysis informing me that my monthly payment would be reduced because they miscalculated the original payment amount. Upon further review of the analysis provided I discovered that the payment was reduced because they had not included the second insurance policy. I called them again to inform them of the second policy and was once again assured that the policy would be paid and accounted for in the escrow. Afterward, I sent them the missing insurance policy for the 4th time since the start of the loan process. On XX/XX/XXXX I received a letter from my insurance company informing me that my payment due on XX/XX/2021 was overdue and that my policy will lapse on XX/XX/2021. I called Loan Care again to inform them of the situation. They once again told me it would be taken care of. Seeking to document my interaction with Loan Care and the nature of these interactions, I requested in writing the acknowledgement of my informing them of the second insurance policy and the overdue payment. They refused to give me in writing this acknowledgment.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax appears to have challenges in maintaining current and accurate account information. It seems that they might deliberately delay reporting the accuracy of accounts, which could result in a significantly lower XXXX XXXX credit score compared to other credit bureaus. On multiple occasions, I have encountered issues with Equifax not keeping my account information up-to-date. For instance, my XXXX XXXXXXXX XXXX  Credit Card account balance and the status of my credit card payments were reported to all three credit bureaus by XXXX. However, Equifax failed to promptly update this information, causing a delay of at least XXXX month. It is crucial for Equifax to enhance its diligence in updating account information in a timely manner, as other credit bureaus consistently do.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (LA)

Debt recovery Solution LLC. 
ref # XXXX Pin # XXXX XXXX XXXX  XXXX failed to file with my insurance company. 
Is issue was dispute a yr ago and keep reoccurring each year.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gurstel Law Firm, P.C. (MN)

This is now just a phishing scam through the mail. 

The first packet Gurstel Law Firm sent me on XXXX XXXX said they have already garnished and taken my money AT A BANK I HAVE NEVER HAD ANY ACCOUNT WITH! 

I havent found anyone to help me in these three months. 

Now it is XXXX XXXX and they have sent me THE EXACT SAME PACKET WITH A DIFFERENT BANK ON IT THAT I HAVE ALSO NEVER HAD ANY ACCOUNT WITH!!!! 

WHO DO I HAVE TO CONTACT TO GET SOMEONE TO DO SOMETHING ABOUT THIS?????? 

I live off of {$1500.00} a month from social security XXXX. I CAN NOT AFFORD TO PAY SOMEONE TO HELP ME! 

I also cant go the the cops here because they are also ones who lied when they said they delivered ME a summons way back in XXXX, I wasnt even LIVING IN THIS STATE, HOW DID A XXXX XXXX XXXX PERSONALLY HAND DELIVERED ME A SUMMONS IN XXXX XXXX WISCONSIN???? 

I HAVE NO IDEA WHAT THIS SUPPOSED DEBT EVEN IS. MY TOTAL REAL DEBT ISNT EVEN THIS MUCH!!!!! 

I shouldnt have to type out all the federal laws here for you to figure out what these people are doing is ILLEGAL.
Consumer complaint received 2023-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NY)

Affirm stole {$700.00} from me. I was approved for a loan from Affirm and the merchant. Loan has been sitting in processing for over XXXX days. Affirm decided to charge the entire amount of the loan to my bank account which they had no authorization to do. Affirm said it was just a pending charge and would fall off. It cleared my bank account this morning, so now I am out {$700.00} and Affirm is refusing to refund it. Already filed a complaint with the XXXX and my bank.