davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (NY)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (TX)

To whom it may concern, I asked credit bureau to validate these accounts its been several months since, never got a response. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX D.O.B XX/XX/XXXX RE SS #. XXXX TransUnion Consumer XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
Name of Companies and account numbers. 
1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( 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 according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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. (PA)

I have tried disputing these NEGATIVE ACCOUNTS from my file but the creditor is not responding and they stay on my profile and hurt my credit scores so bad. 

XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Account Type : credit Card XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Type : Auto Loan XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Account Type : Auto Loan XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Type : Credit Card XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Account Type : Credit Card
Consumer complaint received 2023-07-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent multiple dispute letters to XXXX XXXX and Transunion. I have not received a response or an intent to verify and investigate. I would greatly appreciate if you could investigate and delete the follow inaccuracies off of my credit report. thank you.
Consumer complaint received 2020-07-22
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: JPMORGAN CHASE & CO. (CO)

I used points from my Chase Sapphire Reserve card to make a car rental booking. I was then charged for the car rental as well. I have spent hours and hours dealing with both Chase and XXXX to resolve this issue. I have emails from Chase and XXXX saying they agreed I was double billed, but Chase still has not taken off the charge from my credit card. The car rental was from XXXX XXXX, 2020. Points were deducted from my account on XX/XX/2020 in the amount of XXXX points worth {$740.00}. They even deducted too many points and technically owe me {$83.00} back or the point equivalency as well. Then my card was charged {$660.00} on XX/XX/2020 by XXXX for the rental. I still have not received a refund and my points are still gone. I have spent hours on the phone with both Chase and XXXX and exchanged numerous emails as well.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$4000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-22
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. (TN)

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$XXXX} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-22
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. (NE)

The credit bureau is reporting an account with child support enforcement on my credit report. I have never owed child support and this was reported and confirmed to be fraud. I have disputed this item several times with the credit bureau.
Consumer complaint received 2020-06-26
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: EQUIFAX, INC. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I have 3 different credit cards with American Express. One account is my personal, 2 others are business cards. I have made all my payments on time. Have never missed any payments. The last 2 months, American Express contacts me 3 weeks prior to my due date asking for the payment and putting a hold on my account so I would not be able to use them unless I pay my upcoming payment 3 weeks in advance. My accounts have no balance limit. Non of this is in my customer agreement with American Express. I have advised them about this issue and basically they had no answer for me. It is not legal to ask for a payment 3 weeks in advance and not allow me to use my card. They also do not care if I close my account. I wouldve never thought American express would do that to its long loyal customer.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I took out a loan, when into make a payment, and was told that I could increase the amount day with just paying the fees, rather the full payment, In which I did, as I was working a full time and part time job, the part time job was used for approval as well, as I made approximately {$400.00} a week, after getting the increase, the company in which I had the part time position, which paid weekly, merged their company with another company which changed the pay structure, and because the new company was a competitor, and already had their own contractors in place, it changed my income from {$370.00} - {$400.00}. a week, to maybe {$170.00}, if I was able to get on the schedule. I was trying to make payments after being threaten before. My children have voicemails that they have received with information about filing charges, I have voicemail from ACE Cash Express as well, saying they are going to contact my employer, etc. XXXX of my children received calls today, XXXX of my daughters says the number has been calling her phone for two weeks now and she live in an different State.
Consumer complaint received 2020-07-22
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: Exeter Finance, LLC. (IL)

I am currently paying every pay check my child support to pay past due child support and on going child support, during the corona season there is no work and now they are not supposed to be reporting on my credit report being that I can not start a business to pay off the debit with them reporting every month I am behind and I am paying them every month and I have being paying them consistently for the last two years out of my pay check I have reached out to them for the past 4 months on XX/XX/2020, I have sent them letters in XX/XX/2020 disputing the amounts of XXXX and the past due amount of XXXX I am currently paying every month the amount due and they are inaccurtely reporting the payments are being made, they come directly out of my account they have two account with ILLInois XXXX, the company is not helping me with this unfair situation, I am on auto pay they take it right out of my paycheck I have reached out to them and they never notified me and this is effecting me I can not get a mortgage and this is a big deal not able to have my son with me or my daughter a place to stay
Consumer complaint received 2020-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XX/XX/XXXX Lakeview Loan Servicing Attn : Mortgage Resolution XXXX. XXXX  XXXX XXXX  XXXX, VA XXXX Re : Error Resolution Notice under 12 C.F.R. XXXX Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. 
Fee Errors : Your company incorrectly imposed a {$98.00} late fee on, or about XX/XX/XXXX. 
On, or about XX/XX/XXXX, I wrote a personal check # XXXX for the XX/XX/XXXX mortgage loan payment and I unintentionally made a typographical error on the written amount of my payment ( Attachment A ). The check had the amount {$1200.00} written in numbers, but the letters were XXXX XXXX XXXX and XXXX/XXXX. I was not informed of this mistake. 

On, or about XX/XX/XXXX, when I was getting ready to make my XX/XX/XXXX mortgage payment ; I found this error and I immediately called Customer Service : XXXX and spoke to a representant named XXXX. Ms. XXXX took a phone payment for the missing {$200.00} dollars and I asked her to add my XXXX regular payment, which was a total of {$1400.00} ( XXXX + XXXX ). She spoke to a manager and assured me that the late fee of {$49.00} was waived because of the nature of the unintentional mistake and my immediate action to solve it on the phone ( Attachment B ). 

On, or about XX/XX/XXXX, when I was getting ready to make my XX/XX/XXXX mortgage payment ; I noticed that my account statement still reflected the {$49.00} late fees charge, so I immediately called Customer Service : XXXX and spoke to a representant named XXXX. After a very long time of consulting with a manger again, XXXX apologized and tried to explain that the amount from last month were entered in the wrong places, but now they are fixed and the fees were clearly waived ( Attachment C, dated XX/XX/XXXX ). 

On, or about XX/XX/XXXX, due to the financial uncertainty that the COVID19 pandemic is creating in my family circle, I checked all my accounts to get information about the kind of supports available because I am truly worried about the months to come. When I checked my Lakeview Loan Servicing account statement, I find THE LATE FEES OF {$49.00} DOUBLED TO {$98.00}!!! If this was a joke, it would be extremely inappropriate because average consumers as myself are desperately trying to hold on to hope during these times of uncertainty and pain for our loved ones who are ill ( Attachment D ). 

Unfortunately, this is not a joke and this is not acceptable in our society ; its called harassment. Therefore, I am asking you for the third and last time to correct this mistake or I will file a legal complaint for the suffering this situation is causing me and my family. Please do not explain to me how this happened, just fix it and take this extra stress off my weary shoulders soon. 

If you need to contact me, I prefer email because Im too upset to deal with more deceptive narratives, but I will call if its absolutely necessary. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, US DEP ED Company Inquiries : 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 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I've had a freeze for many years. Everytime, ( yes, all three times I've removed it ) Transunion confirms that its lifted, only to continue to tell merchants its NOT. I have to call and hold for long times to get someone to confirm it was lifted. Once I do that they lift it. I believe this is intentional harrassment of people who freeze their credit. Either that, or they are totally incompetent at managing freeze lifts.
Consumer complaint received 2020-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I put in a dispute with Experian for an inaccurate account on my credit report. By XX/XX/XXXX, the dispute was resolved, and the account was exactly the same. I was not shown how the account was verified or notified by writing the methods they used to verify this account. On XX/XX/XXXX, at XXXX ; I called and spoke with a representative at Experian about the account that wasn't properly verified because it didn't go through the proper 30 days process to verify the account, nor was I notify of the verification process. I requested that the account was re-investigated and that I was provided proof of the verification process in writing. The representative stated that they can't verify information and just re-report whatever the creditor says. I stated that how is that possible when the point of the verification process is to verify the account for inaccuracy. The representative stated that they don't do that they just report the accounts no matter if its wrong or not. I told her that this was against the law and asked to speak to a manager or supervisor, the representative stated that the manager or supervisor wasn't available and then hung up on me. I have several inaccurate accounts on my Experian credit report that I have requested to be verified and hasn't and haven't been notified of the verification process. I also can't re-dispute the account as I have been blocked to submit the dispute again. Please help with this I am a teacher trying to purchase a home for my family.
Consumer complaint received 2023-07-24
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. (NY)

This is my Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-22
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. (FL)

Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.