davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Consumer complaint received 2023-03-15
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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. (SC)

TransUnion hasn't changed my credit score and accounts are incorrect on my credit report. For three months, I have been unable to get my credit scores or report correct. All three credit bureaus have received information from my creditors and they have not changed anything on my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC. XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

1.I have never had an account with this company TD BANK USA/TARGET CREDIT , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-08-23
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: CITIBANK, N.A. (NV)

I need your assistance regarding issue/problem with my credit card purchase on XX/XX/XXXX in which I disputed with my Citicard XXXX on XX/XX/XXXX. 

I am very dissatisfied with my credit card purchase on XX/XX/XXXX with XXXX XXXX XXXX. This purchased was made in my home state, Nevada. I purchased my home warranty in good faith for 6 years term and paid {$2300.00} up front. On XX/XX/XXXX, I called XXXX XXXX XXXX to cancel my policy. The reason for cancelling my policy is due to their inability to fulfill terms of their contract by not being able to find an authorized technician for a claim I reported on XX/XX/XXXX. XXXX XXXX XXXX is the worst Company I've ever dealt with. XXXX XXXX XXXX sent me an email dated, XX/XX/XXXX, confirming my policy was cancelled and on their email it stated, '' an applicable credit of fees will be issued to you within 15-30 days ''. 

On XX/XX/XXXX, I called Citicard XXXX  to dispute the transaction with XXXX XXXX XXXX for {$2300.00}. I called and sent numerous emails to Citicard billing dispute department requesting for a call back so we can discuss their outcome and findings and my concerns and no one is responding to my request. I have evidence that are compelling enough to reevaluate my case. The key to any business is communication and common understanding. 

I have tried in good faith to correct the problem and requested my refund with my Merchant ( Citicard ) and XXXX XXXX XXXX since XX/XX/XXXX but as of today XX/XX/XXXX, they are unwilling to issue a credit to my account. I have exhausted all resources available to me in resolving this problem with my XXXX and XXXX XXXX XXXX in which I have been repeatedly bounced back and forth. This frustration is causing much XXXX and time Your assistance is greatly appreciated.
Consumer complaint received 2024-09-23
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. (FL)

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 2023-07-10
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. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

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.

The letters are stated with items and issues.

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 seven 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 2023-06-12
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency 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! 

These accounts should not be furnished on my consumer report as they are in XXXXIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXXNSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!
Consumer complaint received 2022-08-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: South River Mortgage, LLC (TN)

I applied for a reverse mortgage told I'd been approved then told on XXXX that the man who was handling it was sending out by XXXX questions they had overnight. On the XXXX I told him nothing came. He told me he had a tracking number. I ask for the number. For seven days I tried to contact him. On the XXXX day I called the company to find out why I had not heard from him, found out he was out of town. Called back after I hung up to speak to his supervisor but was not given to his supervisor. He came back on the XXXX told me he would send another on, gave me a tracking number. Today is the XXXX. I still have recieved nothing XXXX tracking says they have no such tracking number like the one he gave me. I am tired of being lied too while the interest rate goes up. I changed XXXX XXXX co. After being treated the same way by the first one. I am a single  XXXX female and I don't know what to do. Counseling and appraisal are only good for 6mos and I've been given two dates this man told me this would be finished and there long gone. Help
Consumer complaint received 2023-04-26
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-26
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. (NH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

My name is XXXX XXXX please add this to my XXXX case number XXXX complaint every time I called in to get a update on my XXXX dispute XXXX for XXXX and other dispute for claim XXXX dispute XXXX is XXXX and when I called customer support at XXXX to get a update on both claims they cant help me when because my account is closed for my saving and checking account and their is a restriction on it yall put on my account for no reason and then closed my accounts out for no reason at XXXX when I have resolved it in the branch by giving yall all the information and documents yall needed for XXXX dispute XXXX XXXX I need a update on it was it reopen and investigation or not if not I need it to be reopen and investigation again and for the other dispute claim number for XXXX I need it be investigated and give me a update on both claims because claim number XXXX should be reopen and investigated because the agents put in a request to have it reopen and investigation {$200.00} XXXX Transaction ID : XXXX that should be reopen and investigation by my request and the phone agent requests and give me a update on it when it is reopen and investigation when XXXX put the money back into the account for {$200.00} and for the {$800.00} claim Transaction ID : XXXX I need a update on it and put the money back into the Transaction ID : XXXX for the {$800.00} and for the {$60.00} claim Transaction ID : XXXX and also put the money back into the account for the {$60.00} claim too or if their isnt a claim dispute filled for the {$800.00} and {$60.00} file XXXX for me for service not received and then put the money into my checking account if the {$800.00} and {$60.00} was file and declined or rejected put in a request to have it to be reopen and investigation by my request by law for all claims for {$200.00} and {$60.00} and {$800.00} so they can reopen all of them and investigate them again and this local bank didnt want to help me out by giving me a update or getting them reopen by doing a appeal or couldnt help the local bank branch supervisor say so please help me and do it for it was at M & T Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone XXXX ( XXXX ) XXXX and his name was XXXX XXXX BRANCH XXXX and his email was XXXX and I never received my new opening account promotion credit for {$100.00} into my checking account I have meet the requirements to get it I meet the {$500.00} direct deposit to get the {$100.00} new opening account promotion credit and I still never got it before my checking and saving account was closed out for no reason and I am requesting yall by law to put it into my checking account and I am requesting a total amount of {$1100.00} credits to be mailed to me in by mail to at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX etc account XXXX are Checking XXXX and saving XXXX etc.
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (PA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (WA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (IL)

I received a bill from XXXX in the amount of {$120.00} in XXXX of XXXX for a " missed appointment '' fee. However, I did not miss any appointments. I attempted to contact XXXX  via telephone in XXXXXXXX XXXX  XXXX and also in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with NO RESPONSE from them. 

I received a collection notice from Merchants ' Credit Guide Company on XX/XX/XXXX for the amount of {$120.00}. I completed the dispute portion of the collection notice and returned via US mail on XX/XX/XXXX. In addition, I sent a detailed request for verification of debt and dispute of debt to Merchants ' Credit Guide Company dated XX/XX/XXXX. 

I requested the verification and submitted my dispute, again NO RESPONSE. I received an alert on XX/XX/XXXX that I have an account in collections on my credit report from Merchants ' Credit Guide Company in the amount of {$120.00}. 

I never heard back from XXXX and I never received a response from Merchants ' Credit Guide Company regarding the verification of debt and dispute I submitted via USPS on XX/XX/XXXX. 

The fact is I have showed for every appointment, I do not owe this amount of money to XXXX, and this is an obvious billing error that no one will respond to me to correct the issue. Merchants ' Credit Guide Company ignored my request for Verification and Dispute. 

I maintain nearly an 800 FICO score, I pay my debts that I owe on time, I do not allow accounts to go into collection, and I have been a customer of XXXX for nearly 5 years without instance. 

I request that Merchants ' Credit Guide Company respond to my verification of debt and dispute letter with the information requested, including and signed agreement for the debt obligation which is the subject matter of this dispute, an explanation of how this amount was calculated, proof that the debt is mine, and proof that I did not show up for the scheduled appointment at a minimum. 

I know Merchants ' Credit Guide Company received my letter of dispute and verification of debt request because of the note that was placed on my credit report. Disputed/ FCRA compliant. 

I don't have issue with paying debt that I owe, but this is not my debt. If it was my debt, would it be logical that I would let a {$120.00} bill negatively impact my credit? No! This is a perfect example of Merchants ' Credit Guide Company parking debt.
Consumer complaint received 2023-03-24
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. (GA)

I have made several attempts to correct this issue over the past few years. I last spoke with XXXX and Transunion on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I I have been informed by this company to contact XXXX and TransUnion regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

I have previously filed a complaint against Shellpoint mortgage ( complaint XXXX ) on XX/XX/XXXX to which they have not responded. In the meantime the problem has escalated. In attempt to correct the unauthorized increase in my monthly payment to cover an escrow placed insurance I do not have. I sent proof of my homeowners insurance that I pay monthly myself. I explained this in writing to the insurance department myself via email. Today ( XX/XX/XXXX ) Shellpoint paid out {$1700.00} for the annual policy that started almost 7months ago and I have been paying for every month on my own. They now have my escrow as negative {$920.00} which means when my property taxes are due they wont be able to pay those. I can already foresee them trying to increase my monthly payment again because of the negative escrow that THEY created. I have called numerous times and nothing is being addressed.