davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-06-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX XXXX XXXX 60 days in XX/XX/XXXX, XXXX XXXX 30 days in XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (CA)

I submitted disputes to Equifax, XXXX, and XXXX via mail on XX/XX/2020. 30 days later I received no response so I sent them all my disputes again. We are now toward the end of XXXX and its been almost 45 days and nothing. Not a letter, not an update- nothing. 

According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Consumer complaint received 2019-02-18
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. (CA)

After sending certified, return receipt letters to TransUnion on XX/XX//18, which they received on XXXX/XXXX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX//18, which was received on XX/XX//18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
Consumer complaint received 2019-02-18
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)

I filled out a dispute with TransUnion, XXXX and XXXX. Transunion did not remove the inquiries and I provided my report for stolen identity/fraud and two bankruptcies that are listed that are a mistaken identity. XXXX and XXXX removed the bankruptcies and inquiries and TransUnion has refused to for the past 3 months. I called after they would not remove the items to ask why and to ask for them to send me the name of the person they verified the information with and I was told I could not receive the information. I am a victim of ID theft and provided the proper information and I am filing a complaint due to the credit bureau not acting according to the Fair Credit Reporting Act. I request that the following inquires and bankruptcies be removed from my account immediately or the bureau provide me with a copy of the credit application, showing my signature authorizing the creditor to access my credit. 
Inquiries : 1. XXXX inquiry XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX   XXXX XX/XX/XXXX 5. XXXX-XX/XX/XXXX 6. XXXX-XX/XX/XXXX 7. XXXX XXXX-XX/XX/XXXX 8.  XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX 10. XXXX XXXX-XX/XX/XXXX 11.  XXXX-XX/XX/XXXX 12. XXXX ToXXXX XXXX-XX/XX/XXXX 13. XXXX XXXX-XX/XX/XXXX 14. XXXX XXXX-XX/XX/XXXX 15. XXXX-XX/XX/XXXX 16. XXXX XXXX-XX/XX/XXXX17. XXXX XXXX-XX/XX/XXXX 18.  XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 19. XXXX XXXX-1XX/XX/XXXX 20. XXXX XXXX-XX/XX/XXXX 21. XXXX XXXX    XXXX-XX/XX/XXXX 22.XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 23. XXXX-10XX/XX/XXXX 24. XXXX XXXX-XX/XX/XXXX & XX/XX/XXXX 25. XXXX- XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Accounts : 1. Bankruptcy-ref XXXX-XX/XX/XXXX 2. Bankruptcy-ref XXXX-XX/XX/XXXX
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mortgage was originally with CountryWide and when they went into bankrucpty,, Bank of America took over. They sent me a mortgage payment statement to start paying a mortgage. I went to another bank in XXXX to refinance to a lower rate, because my payments were too high and found out that I could no refine, due to a lien on the property. I went to Boa, met with a mtg VP and he said he was one of the persons who wrote up the new mortgages and I asked how they arrived at a high mtg like that. He told me I needed to file a claim. He said he was calling the claims dept, to no avail. He gave me the phone # for claims and when I called, no one answered and I lost my application fee with the bank I was refinancing with, because boa would not communicate with them. Because of Covid, I was unable to get help. I went to the XXXX XXXX Fl recording dept and they told me I would need to have legal interaction, because it had to go through the court. I contacted the Bar and they referred an attorney who I had to pay to get it done, so that I could refinance. I lost all of that money from XXXX until XXXX, when I could not refinance due to their negligence with getting the previous Countrywide title cleared.
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for a 30 year mortgage 84 months ago with Wells Fargo and was informed that it was in fact not a 30 year mortgage, but only fixed for 84 months and then it becomes variable. I was not informed of this by the loan officer, although it may be in the 70 page closing documents. I made it very clear that I was looking for a fixed 30 year mortgage, particularly given my advanced age, and was told by the loan officer that it is was a fixed mortgage.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (NV)

14 days after I payed the vehicle I contacted the company for a title delivery status. Rude customer service said they have 30 days by law. 35 days after I payed off the vehicle I contacted the loan company. Again rude customer service now stating they have 30 days to deliver the title after the processing of the title started which was 16 days ago. 51 days after vehicle was payed off they informed me they mailed the title to the wrong address 25 days after I payed the vehicle off. Customer service said they emailed the title department for a duplicate to be mailed out. I was stopped there no one else I could be transferred to!
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (FL)

Equifax and XXXX are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

On XX/XX/2022, a balance transfer was initiated by CapitalOne to an ( XXXX Bank ). The balance transfer was in the amount of {$2000.00} paid to XXXX Bank, by CapitalOne. 
In the disclosures, it states the following : Interest and Fee Information APR for Transfers : 19.4 % VARIABLE Fee : None. 
How To Avoid Paying Interest : - Your due date is at least 25 days after the close of each billing cycle. We will not charge interest on new transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. 

I've consistently paid every balance in full each month, as well as paid this balance transfer in full. 

On XX/XX/2022, CapitalOne assessed an interest charge of {$9.00}. When contacted, they said that the interest charge would be applied immediately after the balance transfer at the rate of 19.4 %, which conflicts with the disclosure. They also indicated that interest would be charged IMMEDIATELY and throughout the next billing cycle, through the month XX/XX/2022 which has yet to be assessed. Presumably, this interest charge will be roughly {$32.00} ( based on an estimated 19.4 % APR ). Again, this interest charge should not be assessed, since the disclosure states 'How to avoid interest ' and that they : " Your due date is at least 25 days after the close of each billing cycle. We [ CapitalOne ] will not charge interest on new transactions posted to your Purchase segment provided you have paid your previous balance in full by the due date each month. '' I was not given 25 days before they started assessing interest. Interest was charged within the current billing cycle for the {$2000.00} balance transfer. The due date for this balance transfer is XX/XX/XXXX I have a copy of the disclosure that was provided to me at the time of the balance transfer. Had I known that the balance transfer would have been assess interest, I would not have proceeded with the transaction, since my intention was to pay the balance in full ( as I have done consistently for the last 10 years ), within the billing cycle that the balance transfer was due ( aka 'the statement period ' ).
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXXXXXX XXXX I original creditor XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for XXXX or Experian to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX  Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I asked Equifax, XXXX and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer?

The continued reporting breaks the law. I want this information DELETED.
Consumer complaint received 2023-10-17
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)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law XXXX [ XXXX ] and therefore should be removed immediately. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ONLY XXXX IS XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE AND UPATE ALL OTHER ADDRESS XXXX 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.