davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
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. (MI)

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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 XXXX 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.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus XX/XX/XXXX TransUnion and XX/XX/XXXXXXXX on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XX/XX/XXXX, TransUnion and XX/XX/XXXXI requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been over 5 months from my first written request and more than 3 months since my second written request ( sent certified mail ) and I still have not received any responses.
Consumer complaint received 2020-12-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

XX/XX/XXXX - Applied for a mortgage refinance with Amerisave for a condominium XX/XX/XXXX - Paid {$500.00} application fee XX/XX/XXXX - Loan estimate provided with No appraisal required XX/XX/XXXX - 2nd Loan estimate provided XX/XX/XXXX - Closing Disclosure provided with tentative closing date XX/XX/XXXX - Amerisave changed Homeowner insurance policy to their name effective XX/XX/XXXX XX/XX/XXXX - Received text message to submit documents. Logged in but nothing is required XX/XX/XXXX - Received same text message to submit documents. 
Logged in but nothing is required XX/XX/XXXX - Revised Closing Disclosure received with Closing date XX/XX/XXXX ( Disbursement XX/XX/XXXX ) XX/XX/XXXX - Received same text message to submit documents. 
Logged in but nothing is required Amerisave changed their rule to require appraisal and set up appraiser appointment on XX/XX/XXXX XX/XX/XXXX - Received email that application is closed due to incompleteness All required documents have been submitted on time throughout the process, with the exception that they suddenly require appraisal. 

Amerisave did the following : 1. Intentional and deceptive practice in demanding documents and holding longer review ( condo review document took at least 3 weeks ) 2. Switched homeowner insurance prior to loan closing signing 3. Did not provide services as intended 4. Created undue burden on loan applicant to pay for additional discount fees on XX/XX/XXXX when seeking other loan arrangement.
Consumer complaint received 2020-12-07
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. (MS)

I went to XXXX XXXX  AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX : booked a trip for XX/XX/XXXX with a XXXX based company XX/XX/XXXX : Trip cancelled due to covid Late XXXX : XXXX company filed for bankruptcy XX/XX/XXXX : Filed a dispute with Capital One Visa for refund XX/XX/XXXX : Dispute rejected by Capital One Visa ( incorrectly claiming that I was covered by the XXXX company 's insurance ) Spring XXXX : Worked with owners of the bankrupted company to get documentation from both administrators and insurers, documenting that I was not covered since I was in the US Capital One Visa has told me that the dispute is too old to reopen, and that even though they made an error in saying I was not covered, they can not reopen the case, nor can they file a new case over the same dispute.
Consumer complaint received 2020-12-07
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. (MS)

I went to XXXX XXXX AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX  AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.
Consumer complaint received 2021-03-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2023-05-17
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. (TX)

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I enlisted in the XXXX XXXX on XX/XX/XXXX. Prior to that I was living with my parents, and during that time I paid the internet bill because I wanted faster speeds. After I left however, my step father had closed the accounts and switched to a different service. But he did not do something correctly because apparently there was still an unpaid dept. Which is why a year later, I was sent a dept collection from Convergent Outsourcing on XX/XX/XXXX for {$310.00}. I paid it off in full on XX/XX/XXXX. 

In the 3-4 years that I have had credit I have only ever missed one payment. My credit was in he mid to high 700s prior to this. Yet this one collection has pretty much destroyed my credit and supposedly collections stay on for 7 years whether paid or not. 

I have emailed them twice requesting to remove it from my credit to no response, and now i'm wondering what options I have to get this taken off and restore my credit.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (NC)

It took an excessive amount of time to clear up all of the addition and incorrect fees that had been put onto my account. But in XXXX I was finally able to speak with a customer service rep and they agreed to take off the fees. I paid off the credit card immediately and they agreed that they could not report me payment as 30 days late, because # 1 it was the fee amount that I had been disputing that made it late and # 2 I had in fact made payments. The credit card only had and available charge amount of {$250.00} and they had accumulated fees even after the account was closed. They agreed to clear up my credit back in XX/XX/2020. 
I am trying to buy a house and that issue STILL appears on my credit report. I tried to call to discuss the matter and was told that the only way to reach that department is to mail a letter to the PO BOX and that it may take several weeks to get a letter back from them. I do not have several weeks. I believe that it is unfair that they will not allow someone in customer service to address the issue. It is also unfair that it has not been corrected since XX/XX/2020. Lastly, it is extremely unfair that my mortgage is hinged upon a store credit card that charges outrageous fees and does not have a way for members to remedy concerns. They will not allow a payment in store, and if you pay by phone they charge a fee. 

I need this off of my credit score as they promised.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX/XXXX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, TransUnion and XXXX. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XXXX/XXXX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights. XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX. XXXX account # XXXX. XXXX XXXX account # XXXX XXXX XXXX account # XXXX & XXXX. 15 U.S.C. section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may take 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. 1681 s-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 the information is inaccurate
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2020, I have sent a dispute letter disputing inaccurate accounts from my credit report. I sent a letter on XX/XX/2020 to all three credit bureaus XXXX, XXXX and Experian. I haven't got a response to my dispute so since i didn't get a response per the credit reporting act credit Section 611 ( a ) ( 5 ), credit reporting companies have 30 days to investigate disputes and its past 30 days so I later sent a 30 days to comply letter on the XX/XX/2020 because i didn't receive anything regarding the inaccurate information on my credit report. Within my report I included my full name, account numbers of the inaccurate information on my credit reports, also i included my address and social security number.
Consumer complaint received 2020-12-07
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: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2020 and XX/XX/2020, MIDLAND FUNDING add a derogatory marks on my credit reports per XXXX and XXXX. Original creditors : XXXX XXXX  and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

XXXX transferred money online to my daughter and son-in-law using XXXX option. 
I received a message to call in for verification. I called and spoke to a woman who asked me numerous questions and then she told me the transaction was released. 
My son-in-law received a text and followed the directions entering his card information for deposit. 
The transaction changed to ready for deposit on my end, but the money was not received. 
XXXX I called again and was told the transaction was being reviewed internally and to wait 24 hrs. 
XXXX still no deposit, called in again and was told it was still under review and to wait another 24 hrs. 
XXXX still no deposit, called again and was told still under review and to wait 24- 48 hrs. At this point it had already been over 48 hrs so the gentleman said I had to wait ANOTHER 24-48 hrs XXXX still no deposit, called and was transferred to a supervisor who then told me he released the transaction from being under review and filed a report to resolve the issue with some other department. 
He said I could not cancel as the money has already been sent and it could take up to 4 days before it is received. 
A money transfer that was supposed to be available in minutes will at that point have taken over a week to be received!! 
My receipt says date available was the date I sent, XXXX, but obviously it was not and every time I checked the transaction online it said " Ready for Deposit ''. 
I have spoken to at least 6 different people who could provide no answers!!! ( XXXX, XXXX, XXXX, XXXX ( XXXX ), and others I cant remember ) My daughter and son-in-law needed the funds that day and it was an emergency!! We are forced to have to drive 3 hours to take money to her so you have wasted my time and cost me more money in the end with the fee I paid and the cost of gas and time to take to them!! 
Had I known this was a possibility I would not have used the XXXX service. There was no disclosure at the time that this could happen with an opt-out option. 
The WORST customer service experience I have ever had. It made an already stressful situation even more stressful and upsetting!!
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (TX)

I received a letter from XXXX  regarding fraudulent activity involving Navy Federal Credit Union ( NFCU ) that was deleted from my account. On XX/XX/2020 I looked at my credit report online and found erroneous information ( phone number and current employer ) that appeared to be related to the recent fraudulent activity. I then called XXXX to have it corrected and was told to contact NFCU regarding access to any other documentation that may help inform me as to the extent of the fraud and/or provide additional information for an investigation. I next called NFCU to obtain copies of the application and any other related account documents. I was eventually transferred to XXXX in Security Operations who informed me that they could not provide that information to me unless I had a subpoena. I asked several times if there were a way to prove my identity or provide a police report, and also mentioned victim rights of identity theft under FCRA, but was still told I could not have the information and that I should call back in 15 days so that they could advise me on the matter. She would not elaborate what that advice would be.