davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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. (LA)

TransUnion Consumer Solutions, XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

To whom it may concern : I received a copy of my TransUnion credit report, and I noticed some late payments on my credit report : XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : 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 Accounts XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/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 2021-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.
Consumer complaint received 2021-07-21
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. (NV)

I notified TransUnion, that ALL the other major, and ALL the other minor credit card agencies are reporting my student loans CORRECTLY. 

My student loans are Current.

My student loans are NOT derogatory.

I supplied transunion with copies of FEDERAL statements, showing that my student loans ( XXXX  ) are current.

I supplied transunion with 2 other FULL credit reports from ( XXXX  and XXXX  ), showing CURRENT student loans and NO derogatory student loans.

Transunion is reporting my XXXX  loans as SATISFACTORY ( in their satisfactory section ) and SIMULTANEOUSLY reporting my XXXX  loans as Derogatory, in their derogatory section.
This has lowered my credit score substantially and is affecting my ability to get housing and installment loans.

I sent Transunion, the documentation, by CERTIFIED MAIL and have the certified mail receipt, dated XX/XX/2021 Transunion NEVER responded, since XXXX, which is greater than 120 days. 

The false information is STILL on the Transunion report.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MI)

XX/XX/2021 I have created a ticketed over a month ago on a ETH transfer from Binance ( their parent company ) to BinancueUS. Upon scanning the QR Code via mobile for the ETH transfer it coded the memo section wrong on 2 separate transactions. This lead to the crytpo transfer to stay in limbo. Upon their support page on BinanceUS it states that for a fee it will be resolved, however its been over a month with zero resolution or contact back from initial support ticket. The two claims are over XXXX in total I need assistance and have not got back from anyone.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (TN)

For the second time in two years, the servicing company, CIT Bank, has tried to force me to buy insurance on my home despite the fact that I have insurance in place. This year, the sent me a notice that was dated XX/XX/XXXX that stated my fire insurance policy had expired in XX/XX/XXXX. The letter stated that I had ten days to put in place a replacement or renewed policy or they would put their own policy in place at my expense. They chose not the mail the letter until XX/XX/XXXX ( I have the envelope showing the postmark date ), which is more than 10 days after the date of the letter and after the 10 day timeline they stated in their letter. I tried to call them to discuss but every phone number they provide is set up to only provide recorded messages. I can find no telephone number for this bank that will allow you to speak to a real person. The other problem with this situation is that my insurance policy runs from XX/XX/XXXX to XX/XX/XXXX. I do not have a policy that expires in XX/XX/XXXX. I submitted to their online portal my current policy, but they sent a response saying my submission was inaccurate or insufficient. The provided a number to call but again, that number only provides voice prompts and gives the caller no way to talk to a real person. Therefore, I have no idea why they deemed my submission of my accurate insurance policy as inaccurate or insufficient. How am I supposed to get this resolved if they refuse to allow me to talk to anyone in their organization?
Consumer complaint received 2022-07-25
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2022-06-22
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: CarMax, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

We refinanced our home in XX/XX/XXXX, When we did the refinance unfortunately our title company never paid our school taxes so they were re-levied onto our land taxes in XX/XX/XXXX. Our lender uses Dovenmuehle mortgage to service their loans the lender that we use is XXXX XXXX XXXX this complaint is for both of those companies. We have been on the phone with Dovenmuehele mortgage 3 to 4 times a month since XXXX we received the check from our title company and pay the school taxes which this company is showing records of yet they continue to charge us an extra {$800.00} a month for a every time we call we are told that they are doing an escrow analysis to fix our mortgage and a callback on a certain date yet it is not done on that day we have spoke to numerous supervisors and got nowhere with them at this point we are {$2400.00} extra since XXXX and they refused to give us an actual answer as to when this will be fixed what they are doing is criminal this money is going into our escrow account which I have no hope of seeing again since there are numerous complaints about them about not giving people their money back that is in their escrow account we have been trying to fix this with them since XXXX and this is absolutely unacceptable please reach out to me with any questions as we would like this resolved in a timely fashion and Can not afford an extra $ XXXX. 
Thank You!
Consumer complaint received 2022-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: STERLING JEWELERS, INC. (PA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXXTATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
Consumer complaint received 2022-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Specialized Loan Servicing ) On XXXX XX/XX/2022, the XXXX XXXX XXXX XXXX XXXX XXXX has filed a {$100.00} lawsuit against me in order to foreclose my house. I have lived in the house for the last 18 years and since then the equity has tripled. In the last XXXX years, I have sent my mortgage payments on a regular basis and yet, Specialized Specialized Loan Servicing was sending notifications and harassment threatened letters to foreclose my house. 

In XXXX, they have returned the mortgage payment check and stated that I'm behind by {$8000.00} without being specific as far as the months they did not receive payments for. When I requested a payment history, they sent me a 60 page worth of payments history. I could have gone to my bank and showcased that they were receiving the payments and cashed them all. 

Since they stopped taking payments from in XX/XX/2022, so in XXXX I paid them {$5.00} over the phone to cover from XXXX to XXXX. To my knowledge, the fund was not applied into my account. In XXXX, they sent another threatened letter stated if they do not receive {$12000.00} in XXXX days, they will proceed to foreclosure. I did not even know where that amount came from. I had to settle with them to avoid foreclosure. I spent a total of {$18000.00} and yet most of the fund was not applied into my account. THIS IS STUNNING!
Consumer complaint received 2021-02-24
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 received a copy of my credit report and I notice good amount of inquiries I did not authorized. I did not consent to, authorize, nor benefit from any of the following inquiries. block and removed them immediately Under 15 U.S. Code 1681c-2. Under 15 U.S. Code 1681 its ruining my reputation because there are inaccurate inquiries reporting on my credit report.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that America First Credit Union make a goodwill adjustment to have this removed.
Consumer complaint received 2021-04-05
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. (FL)

The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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 2021-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Today I was able to speak with an agent at bofa claims department stating that I am entitled to XXXX out of the XXXX claim I want my money from this bank and honestly shes right you guys took my funds without my knowledge and sent me through all of this yall are claiming to have paid the claim but you guys didnt it went towards a negative balance you guys caused me to have I want my XXXX she noted about On my account that I was approved for yall paid the negative balance yall caused this not me she said its on Paper regardless and says permanent so I should have it not the negative balance my account and I want my XXXX that has a missing credit under it released to me as well expeditiously please I need my money this is not right at all and even your agent said that regardless of the negative balance the bank only should have takin XXXX or XXXX not the whole XXXX I want my money out of this bank now!!!!!!!!!
Consumer complaint received 2021-04-05
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. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my XXXX on NJ XXXX in XXXX XXXX, NJ when I hit a pothole that was negligently maintained by the state of NJ. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of NJ is liable for my injuries, as they were caused by a pothole on a state road that was not properly maintained. I have already contacted the state of NJ to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of NJ. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and may result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of NJ, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX