davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct this erroneous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-19
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct this erroneous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-08-04
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. (IL)

TransUnion received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that they verified the bankruptcy through the bankruptcy court directly. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives TransUnion information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to TransUnion showing them that the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it. I also sent them a copy of another credit bureau called XXXX deleting the bankruptcy off my report because they could not verify the information giving more proof on why they should delete it as well. After receiving my letter on XXXX where I give TransUnion proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.
Consumer complaint received 2022-07-13
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. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$740.00}
Consumer complaint received 2022-08-03
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. (TX)

This is a follow up to previous dispute of the unverified negative items on my credit report. On XX/XX/2022, I mailed Transunion a letter disputing XXXXaccounts as erroneous ascertified mail with return receipt requested. I received notification that Transunion had received the dispute letter in the mail onXXXX. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the XXXX-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ). 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-07-13
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)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXL XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/2021 TRANSUNION : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00} XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (TX)

We were originally going with Cross Country Mortgage to refinance our home. We found a better deal through another lender so we went with another company. That deal fell through so we came back to Cross Country Mortgage to finish the original refinance we had started. We were to the point of needing to get an appraisal. We had paid a month earlier already for the appraisal and had never gotten a refund and they still had our money. We were not happy with the fact we couldn't get our money back on the appraisal but we're willing to overlook that fact and continue to use them. We had them reopen the loan and move forward with the appraisal. We never did hear back from anyone on the appraisal and kept having to call to find out why and just kept getting a run around and no return phone calls. The first time we were using the lender they were XXXX on the spot and constantly kept in contact with us multiple times a day. This time nothing but birds. Every day we were having to call the lender to try to find out what the delay was. After a while we finally gave up and told the lender to just cancel and we would find another lender since it was obvious to us that we were now dealing with someone that did NOT want to work with us. Assuming they were offended that we had originally decided to use another lender and their treatment of us was payback and they didn't really want to work with us anymore to do the refinance. The lender and I got into a long texting argument over the whole issue and not once did he ever apologize for his lack of responding to us or his lack of resolving whatever the issue was with us not being contacted by an appraiser. He told me to just deal with his boss but would NOT give me his bosses name or number to be able to contact him to discuss his conduct. We were dealing with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-03-23
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)

Im not please because the credit bureaus keep on fail me they never do a proper investigation and only can send you back respond that is verify with no proof and that the information reporting is accurate with no proof I told them Im not the one who sign for the loan that been reporting and I never sign any documents with my written signature upstart verify the account belongs to me because its have my information there is a alot of people have my information so they need to do proper investigation before they give a loan to someone because I did not authorize upstart to give me a loan I never sign any documentation they dont have any proof that it was me never send to my address the documents was sign online with my signature with no proof its actually me sign it so both them and the credit bureau violate my rights and privacy and fail me I have rights because its my consumer file and that document did not sign by me thats document sign online they never send any documents to my address to sign and they never verify its me so they fail me I need this problem to fix and remove from my consumer file
Consumer complaint received 2022-07-13
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. (GA)

Hello, In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX aka XXXX account # XXXX XXXX XXXX Bank XXXX acct # XXXX XXXX XXXX account # xxx 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 2022-07-13
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. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America is NOT doing its part to promote and strengthen the middle-class. The XXXX XXXX in the U.S. from the " XXXX and XXXX '' corner store to localized upward aspiring XXXX 's are in perilous dire straits. In particular, a pandemic has obliterated and exasperated resources and reserves to historic 40 year lows. B of A is owned by XXXX XXXX. Which is owned by XXXX XXXX XXXX an American business magnate, investor, and philanthropist. He is XXXX of the most successful investors in the world with a net worth of over {$100.00} XXXX as of XX/XX/2022. The paradox is " XXXX XXXX XXXX '' is growing greater separating the middle-class from the " haves and the have nots. '' Arizona ranks 50th out of the 50 states in XXXX loans with XXXX lending support, resources and tranches to help our communities! B of A has policies and sophisticated contracts with a litigative team of attorneys to avoid accountability regarding its culpable practices like " ghosting '' and canceling accounts with no real recourse. I know first-hand as the owner of XXXX XXXX. Not only will B of A cancel your account, continue to yield interest on those funds, they will NOT disclose names, respond with an email or provide contact to resolve issues amicably. B of A and any other Banks operating in such a fashion require an immediate overhaul. How are they able to receive Billions in XXXX aid earning record profits and hide behind a wall of secrecy and one-sided policies??? B of A has thousands of my hard-earned dollars and wishes to play Whac-a-mole! Shame on Bank of America and XXXX XXXX for instituting such partisan policies. I have made several attempts to resolve this last contact was XX/XX/2022 My account number is : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MacDowell & Associates, Ltd. (GA)

I move out of an apartment in XXXX on my own accord. 
This law firm is coming after me for the alleged debt. 
I do not have a contract with the stated/listed agency. 
They claim they have a default judgment ( in XXXX ) but I haven't seen one yet. 
I filed a motion with the court to set aside because I am paying child support and the judge ordered a 60 day STAY on the case. 3 days later the attorney filed a dismissal in XXXX of XXXX. 
XXXX of XXXX they filed a continuing garnishment order in another county. I filed a traverse and upon the hearing the judge stated he didn't want to go against another judges order and wanted me to take back to the court of original jurisdiction. 
Upon getting copies of the Document I realized the Affidavits/ complaints are filled out by the attorneys in which they cant attest to any of the facts because they are a 3rd party. Actually a 4th party to the matter at hand.
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX ( originator XXXX ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-13
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. (IN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 9. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.