davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. XXXX  has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Transunion refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.
Consumer complaint received 2020-12-29
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. (OH)

I have an unverified accounts from XXXX XXXX and XXXX  XXXX  XXXX. I had previously disputed this account. I have never done business with XXXX  XXXX  or XXXX  XXXX  XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX and XXXX  XXXX  XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX  XXXX  and XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-08-12
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. (MD)

Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called XXXX, TransUnion and XXXX for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (UT)

Dovenmuehle Mortgage has failed to pay my property taxes in the amount of {$5000.00} that were due on XXXX XXXX, 2020. They actually paid them on XX/XX/XXXX and then did a reversal of the payment on XXXX XXXX 2020. They are holding the entire funds in my escrow account and doing nothing to resolve the error. I have spoken to my local tax assessors office who informed me that Dovenmuehle has done the same thing with 8 or 9 other accounts that are now past due. 
I have contacted Dovenmuehle several times over the past month, they say they are investigating the error and will resolve it however nothing has been done and we are now approaching 30 days past due. 
I am worried that this is going to effect my credit rating or worse. 

What can I do?
Consumer complaint received 2020-12-28
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. (FL)

On XX/XX/2020 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its past 30 days and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Consumer complaint received 2020-12-28
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. (FL)

on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I had a late payment in XX/XX/2020 for the first time since being an account holder. 

I have had a great payment history aside from one missed payment a couple days past the deadline in XXXX of 2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. 

It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXXafter a dispute but has left it up on Experian and XX/XX/XXXX I just received another letter denying to take it down from other XX/XX/XXXXcredit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. 


I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. 


I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.
Consumer complaint received 2020-12-28
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. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My PPP was disbursed into my bank account XX/XX/XXXXOn XX/XX/2020 my business bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$46000.00} ) was sent to Legal Order LTS XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. 

A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! 

See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.
Consumer complaint received 2022-08-12
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. (PA)

Transunion LLC received notice on XXXX XXXX to cease and desist reporting information that they were not permitted to report. Transunion LLC alleges that they conducted a Re investigation, based off of their correspondence dated XX/XX/2022 verified information. Their duty is to do what is to be impartial, fair, and equitable, pursuant to 15 USC 1681 ( 4 ) and they are being partial to third party information that they were not granted permission. The information that Transunion LLC was ordered to Cease and Desist, was never investigated from the alleged onset of Transunion LLC improper use. Under 15 USC 1681 ( b ) permissible purpose is required, and Transunion LLC is in direct violation as they do not have written consumer permission.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-28
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. (NJ)

I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, Transunion and XXXX. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20 I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.
Consumer complaint received 2023-04-08
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. (GA)

SYNCHRONY
FINANCIAL
Inquiry: Feb. 09, 2023
Finance/Personal
(800) 924-2927

FEB DESTINY
Inquiry: Feb. 07, 2023
Bank
(503) 222-9960
REGIONAL ACCEPTANCE
Inquiry: Jul. 28, 2022
Bank
(919) 766-1388
SYNCB CHEVRON DC
Inquiry: Mar. 17, 2022
Bank +
(866) 448-4367
CAPITAL ONE
Inquiry: Mar. 16, 2022
Bank
(800) 955-7070
+
FIRST PREMIER BANK
Inquiry: Mar. 03, 2022
Bank
(605) 357-3440
ONEMAIN FINANCIAL
Inquiry: Feb. 17, 2022
Finance/Personal
(844) 298-9773

JPMCB - CARD SERVICE
Inquiry: Feb. 15, 2023
National Credit +
Card Cos.
ALLY FINANCIAL
Inquiry: Jul. 28, 2022
Auto Financing +
(800) 200-4622
GLOBAL LENDING SERVI
Inquiry: Jul. 28, 2022
Auto Financing +
(877) 298-1345
HYUNDAI MOTOR FINANC
Inquiry: Jul. 28, 2022
Auto Financing +
(800) 523-4030
WELLS FARGO DEALER S
Inquiry: Jul. 28, 2022
Auto Financing +
SOUTHTOWNE MOTORS
IN
Inquiry: Jul. 28, 2022
CBNA
Inquiry: Mar. 21, 2022
ONEMAIN
Inquiry: Feb. 17, 2022

Today
Credit
Cards
Automobile
Dealers, New
National Credit +
Card Cos.
Personal Loans

Account name
BK OF MISSOURI/TOTAL CARD
Account number
405731XXXXXXXXXX
Account type
NA
Responsibility
Individual
Date opened
09/10/2019
Status
NO STATUS.
Status updated
Jan 2021
Balance
-
Balance updated
-
Recent payment
-
Monthly payment
NA
Credit limit
-
Highest balance
$0
Terms
Consumer complaint received 2022-09-28
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: BARCLAYS BANK DELAWARE (CT)

We started our vacation from Connecticut to Florida on XX/XX/2021. On the way down we knew we would stop somewhere, so we opted to stay at the XXXX XXXX XXXX ( dog friendly ), South Carolina. We had dinner at the hotel, {$110.00} on the statement. The next morning we decided to spend one more night at the hotel. I went to the front desk to make the reservation, {$410.00} on statement. We left on XX/XX/XXXX to arrive at our hotel in XXXX, Florida. 

When I received my statement from XXXX XXXX XXXX XXXX, there was a new charge to XXXX XXXX XXXX for {$2300.00}, with XX/XX/XXXX as the transaction day. I called the hotel to say the charge wasnt mine, they said I had to take it up with the Credit Card Company. I asked the name of the person that stayed in the room and they gave it to me. I did not recognize the name. 

I called the XXXX XXXX to say the charge wasnt mine. They reversed the charges, only to reinstate them a few days later. I called to ask what happened and they told me that the hotel had my signature on file. I told them that was impossible as I was already in Florida. I did not lose the card as it is still in my posession. 

Barclays sent me a letter on XX/XX/2021 requesting to call after they say they tried to call us several times without leaving messages. I called and they request proof of me not being at the hotel. I called the XXXX XXXX XXXX XXXX XXXX, XXXX, to request a detailed invoice to prove I stayed there from XX/XX/XXXX to XX/XX/XXXX. They emailed me the receipt. 

On XX/XX/2021, I sent Barclays a letter explaining everything with the receipt from the XXXX XXXX XXXX. I was expecting to hear from them soon after that. They claim they called, but there are too many scam calls to pay attention to unknown numbers. And there were still no messages. Both my ex-wife and I, have tried a few times to call Barclays to resolve the issue, sometimes spending hours at a time on the phone repeating SSN, phone number, date of birth more than 100 times only to be hung up on, put on hold indefinitely, switched from the fraud department to the dispute department, and vise versa several times, told that supervisors were too busy to help us, but never getting a straight answer as to what was happening with the issue. When I called to ask what happened to the case with the evidence, the person on the phone tells me that they did get the letter and the receipt but nobody has looked at it yet. 

I feel that Barclays is dragging their feet in the hope that I will just give up. I cant believe a big company such as Barclays can not recognize theyre in the wrong in a timely fashion. They have cost me money in interest charges and caused damage to my credit report.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC (TX)

I started the refinace on my primary home with sprout mortgage on mid XX/XX/2020. After many emails to correct many mistakes, they closed in mid XX/XX/2020. Now they fails to transfer the loan to the servicer and they do not answer calls and if they answer they hang up if you just discuss the mistakes they make. They blame others for their mistakes like title company or escrow company just to get rid of your call. Never gave real help and their excuse that they are busy. If they can not serve new or existing customers, they should stop getting new customers or acting as lender for homestead and primary residence for citizens. 
My payment is due on the XXXX of XX/XX/2020 and until this moment they did not gave the loan to plants home lender.
Consumer complaint received 2022-08-12
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. (NC)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Late Date XX/XX/21, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2020-12-28
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. (NY)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.