davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

FCRA 611 Violation I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX Account Number : XXXX The account is incorrectly reported - Account Number on TransUnion credit report does not match account number from XXXX The account balance reported on TransUnion credit report is inaccurate Please completely remove this inaccurate trade line from my credit report per my rights under the FCRA , Section 611 The attached TransUnion Investigation Results page File Number # XXXX dated XX/XX/2020 states the above trade line as VERIFIED AS ACCURATE AND UPDATED. This is impossible because as I stated in my initial Consumer Protection Bureau complaint # XXXX submitted on XX/XX/2020 the account balance reported by TransUnion is inaccurate. In addition upon further inspection I discovered that the account number funished to TransUnion from XXXX does not match the account number listed on both the attached Paid_in_Full and XXXX Last Balance documents,. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up The date you contacted the individual funishers of information. 
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law.
Consumer complaint received 2020-05-06
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. (LA)

I notifiied the company and no response.I received investigation results on XX/XX/2020. I asked for method of verification in mid XXXX which transunion started looking at on XX/XX/2020 and no response came from them in the required time period of 15 days. It has been more than 15 days. The uploads document this.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an XXXX  from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.
Consumer complaint received 2024-11-28
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: Fidelity National Information Services, Inc. (FNIS) (OH)

Looked at my check system report due to not being able to spend a bank account saw that there were several accounts that I did not open ask for these errors to be fixed and it have been over 69 days and nothing and they are still on my report
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Credit Card - On XX/XX/2020 at about XXXX from California , I paid my credit card bill through the automated phone system. The automated system recorded the payment as being made on XX/XX/2020. I live in California. Bank of America 's phone system records interactions in East Coast Time. They are fraudulently collecting late fees from two-thirds of the country by recording payments in East Coast time. Bank of America 's late fee policy is applied unequally based on the time-zone of the customer 's calling location and is an unfair business practice. Customers in Central and Pacific time zones have 120 to 240 minutes less to make a payment before being charged a late fee. It's unreasonable, it's not advertised, it's absurd. On XX/XX/2020 I spoke with a Bank of America representative to dispute the late fee and to dispute the practice. First she stated " your payment was made on XX/XX/2020 at XXXX XXXX XXXX and is due on XX/XX/XXXX ''. I told her I made it at XXXX Pacific Cost Time. She told me the system recorded it in East Coast time and that I was in the wrong. She told me if I'm on the West Coast then my payment is due at before XXXX East Coast, on the first of the month. I told her this is not advertised, the automated system only says it's " due on the first ', and that it's an absurd and unfair practice regardless. I said I've filed a complaint with the FTC ( Error - I filed a complaint with the Federal Reserve Board ). She immediately refunded the late fee. She said there was no confirmation number for our transaction and she couldn't send me an email verification. I am complaining about the practice, it's unfair, Bank of America is fraudulently collecting late fees, and it is recording the time of calls in error so that many customers may be confused or outright lied to when phone center staff are insisting phone calls came in hours differently than when the customer called. It's possible this system is also generating fraudulent fees for the bank and disadvantaging customers with other financial products as well.
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

New Rez/Shell Point Mortgage incorrectly reported my mortgage as in forbearance to all relevant credit agencies. They are impacting my financial future because of this. 

I have asked them to remove it from the credit agency reporting and to provide me with a signed letter on their letterhead that states my mortgage was never in forbearance and was incorrectly reported as such. 

I have spent over 5 hours arguing with customs service reps and supervisors who tell me they have no access to email, put me on hold for countless amounts of time, send me to voicemail boxes that lead me to a dead end, explain to me what their system CAN NOT do. 

It is an abomination. I have paid my mortgage -- hundreds of thousands of dollars - on time every month for over 17 years. 

Best, XXXX XXXX
Consumer complaint received 2022-10-20
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. (FL)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under XXXX XXXX XXXX et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 


This negligence to remove these fraud information has caused me great stress and a very low score on my credit report here are the following fraud accounts XXXX XXXX XXXX XXXX XXXX XXXX that are not related to me what XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Also the XXXX addrese never lived there 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 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 and finally these inquirires that I have not requested any service with these creditors on the dates mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed. 

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. a police report has been filed and Attached to substantiate the fraudulent nature of these items, as required by the aforementioned regulations. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday I deposited my irs returned through mobile app and it said funds will be available on XX/XX/XXXX so I made payments for my son school and other things. On XX/XX/XXXX I got email saying my check wasnt acepted and to go and deposit it in the branch so I did but when I checked the account I was negative {$1400.00} On Wednesday morning I noticed I had 8 overdrafts fees of {$35.00} taken away so I called and asked to talk to a manager they said there was no way they could help and didnt care where the check was coming from it couldve come from the president and she didnt care. I told her that were going through this pandemic and should be able to help us not destroy us. Im a single mother that with a lot sacrifices Im taking care of my parents and my son. Please if you could help me.
Consumer complaint received 2022-12-20
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. (AZ)

XX/XX/2022, I sent a letter to the XXXX XXXX XXXX XXXX XXXX  asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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. 

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.
Consumer complaint received 2021-02-22
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. (OR)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-12-20
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: Bread Financial Holdings, Inc. (NJ)

This past summer ( 2022 ) I received a message from XXXX XXXX XXXX stating that they were going to cancel my card and another card would be issued in it's place. 
I didn't want another credit card, so I paid off my balance of the card that was being shut off. However, I did receive a card with a different account number from Comenity Bank. 
I did not want it so I destroyed it. 
I eventually received a statement from XXXX billing me for an automatic payment that was on my BOA card that was shut down. 
I had no intention of using that new card from the start. 
I strongly feel that I never approved any transactions for that account. 

Important note : Admittedly, I am an older senior and my memory is not as good as it was - however, I still strongly feel that I never approved any transactions. 
I have contacted them a while back and I thought that the issue was resolved. 
However, I just received another bill with a previous balance of {$110.00} listed and a {$25.00} late fee. Every time I try to contact them by phone, they want my CC number which I no longer have ( but I can see it ends in XXXX from my statement ) or they want my SS number which I refuse to give. It's an automated system, so I can't get through to a live representative. I do not want this to negatively affect my XXXX XXXX.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc. (TX)

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-05-07
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX  XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2019-10-24
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)

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (SC)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00}
Consumer complaint received 2021-02-22
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: AMERICAN HONDA FINANCE CORP (VA)

Dear Sir/Madam, I purchased a brand-new 2020  Honda XXXX  from Honda of XXXX on XX/XX/2020 and I am currently financing through XXXX XXXX XXXX Upon checking my XXXX  credit report ; I discovered that on XX/XX/2020, there were 4-different HARD INQUIRIES made by 4-different auto financial companies which I did not authorize Honda of XXXX  to proceed with. The following are the companies that appear to have made the hard inquiry according to XXXX : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. AMERICAN HONDA 4. XXXX XXXX I would appreciate your prompt response in addressing this discrepancy that Honda of Chantilly made under my name. 

Best regards, XXXX XXXX XXXX