davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
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. (PA)

Dear Sirs, I am in receipt of your letter dated XX/XX/XXXX to the CFPB, and subsequently allowed thirty ( 30 ) days to expire with hopes XXXX XXXX XXXX ( XXXX  ) would correct the inaccurate information it knowingly reported to all three credit bureaus. Thirty days has since past, and I would like to address the falsehoods reported in your letter. 

In your letter you state XXXX has been actively pursuing collection of the above-referenced account. However, referencing a XXXX  letter I received in XXXX, and furthermore attached page 8 of my XXXX   report, page 2 of my Transunion report and lastly, page 3 of my XXXX  report contradicts your statement. 

The attached credit reports display this account to-date has been charged-off for nearly 4 or more years now, and no collection activity has not been reported up until recently. Your company maliciously, unethically, and illegally reported credit activity for no other reason to my belief, but to cause damage to my credit profile. 

As a Creditor, you are fully aware your company has a duty to conform with all Federal and State regulations in regards to credit reporting. As well as reporting accurate, up-to-date, and truthful information. 

With this letter, and under the guidelines of Fair Credit Reporting Act, I am requesting XXXX remove this account from my credit report with all three credit reporting bureaus immediately, no longer than 30-days of the date of this letter. 


Kindly confirm safe receipt. Should you have any questions, please do not hesitate to contact me. As always, thank you.
Consumer complaint received 2022-06-29
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. (NC)

I looked on my credit report and noticed that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows XXXX XXXX to repost anything on my consumer report. Without my consent XXXX XXXX has committed Identity Thief. There are fiv different accounts that need to be removed. I have given them 5 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by XXXX XXXX, a signed letter from a Notary Public, and a invoice for the 5 federal violated rights. Each violation made my XXXX XXXX are for {$1000.00} dollars per violation.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX performed a Hard Inquiry on my Credit and negatively affecting my credit score by doing so and I want the inquiry removed immediately and I am filing a complaint against this company for running my credit without my knowledge or approval. 

XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act XXXX 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 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-29
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$990.00}, {$8900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Loan number XXXX Mr. Coorper PXXXX XXXX, XXXX, OH XXXX Address of the property XXXX XXXX XXXX XXXX, VA XXXX I received a letter notifying tha my hazard Insurance expired, I don't know how it can happen when they are who has contact with Insurance Co.and do the payment. 
Immediately take a new insurance with my agent local one have me all my insurance. 
On XX/XX/XXXX I received another letter with a charge of {$74.00} for 23 days the lapse period the cost of this Insurance would be {$1100.00} per year, my insurance cost me {$500.00} per year Because I have to pay that cost if it is not my responsibility what happened Tanks
Consumer complaint received 2022-06-29
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. (NC)

This is to inform you that I XXXX XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error. This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ). Expect as other wise provided in this section, 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 by such agency of, included you will find FTC identity theft report, identity theft affidavit, copy of ID, utility bill, and social security card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquires, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Transunion does not have any permission or consent from I the consumer to furnish a consumer report.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (MD)

TIMELINE : On XX/XX/2020 we scheduled a payment to XXXX  ( XXXX XXXX XXXX XXXX ) through Suntrust billpay - this payment was deducted on XX/XX/2020 ( attachment # 1 ) For the first time we attempted to use Suntrust billpay as the wait time to pay XXXX  by phone was quite lengthy. 

On XX/XX/2020 I first contacted XXXX via their chat module through their website after the payment appeared on my Suntrust account ledger but not on the XXXX   account ledger. XXXX suggested I wait a few days because the payment was not yet in their system. ( attachment # 2 ) On XX/XX/2020 I contacted Suntrust and was given a trace number and merchant ID and instructed to call the billpay service and track down my own payment. 
I was also informed that the payment somehow went to XXXX XXXX and given the number to XXXX XXXX which I did not use. 
I did however call XXXX and leave a message with the transaction information provided me by Suntrust. This call was not returned. ( attachment # 3 ) Also on XX/XX/2020 I contacted XXXX  by message app since I had no luck with the agent when I had done the chat on XX/XX/2020, my hope was that they could assist me if perhaps my inquiry was in writing. I received no response until XX/XX/2020 AFTER I had already made a second payment by phone NOT THROUGH SUNTRUST BILLPAY ( attachment # 4 ) On XX/XX/2020 I called XXXX after once again noting that in their system our mortgage payment had not been received and made a payment by phone. ( attachment # 5 ) # XXXX XXXX XXXX XXXX <<<THIS IS MY CONFIRMATION # AND THE NAME AND EMPLOYEE # OF THE AGENT WITH WHOM I MADE THE TELEPHONE PAYMENT On XX/XX/2020 we faxed over a dispute based on instruction from Suntrust agents in order to have refunded to us our first ( and still missing ) payment from XX/XX/2020. ( attachment # 6 ) On  XX/XX/2020 our account was credited with a dispute return so quite naturally we believed our account had been rightfully credited the missing payment from XX/XX/2020. ( attachment # 7 ) What actually happened ( see attachment # 8 ) was a reversal of my telephone payment made on XX/XX/2020 ). 

The last three attachments are the letters we received from both Suntrust and XXXX both accusing us of having insufficient funds to process our mortgage payment and cutting off our billpay access. 

The end result is that we have paid our mortgage three ( 3 ) times. And we are still missing our XX/XX/2020 payment of {$1200.00}. 

Suntrust contends that we were refunded the XX/XX/2020 payment and has closed the case. 

A simple cursory review of the documentation would result in an acknowledgement of a banking error, instead we were given the run around and brush off treatment.
Consumer complaint received 2022-06-29
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. (CA)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Transunion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-06-29
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX  XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (GA)

SunTrust received funds deposited via check from another local bank on XX/XX/XXXX and XX/XX/2021. Funds from said deposited checks cleared within 1-2 days, yet SunTrust put an arbitrary two-week HOLD on the funds, preventing the owner of the funds from accessing them. 

As a result, multiple ACH transfers of those funds to a third party were denied by SunTrust. This resulted in significant fees from SunTrust and substantial financial consequences related to the third party entity that was expecting to receive the funds.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-29
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020 XXXX XXXXXX/XX/2020
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting Act 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. The letters were DELIVERED, sign and picked up XX/XX/2022, by each consumer reporting agency. 

XXXX immediately deleted all old inaccurate personal information and updated the report with the current information as I requested. XXXX soon followed. Experian on the other hand, has still as of XX/XX/2022, not deleted the old inaccurate personal information and updated it with the current information provided to them. You also lied and claimed that you never received any previous correspondence in regards my request. This USPS Tracking XXXX XXXX XXXX XXXX, clearly shows that you did receive the letter and signed for it. 

It is unfortunate that you must be so unnecessarily difficult in resolving consumer concerns. I am asking that you delete all old personal history and update it with the accurate and current information previously sent to you. Just the way I receive credit card offers and other mail for the previous tenants, is the same way I can have credit offers and other mail going to addresses where I no longer reside. Any scheming, scammer can steal my identity and use it as their own creating issues for me. Please delete the inaccurate information and send a report with the accurate updated information.
Consumer complaint received 2022-07-25
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. (NY)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 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's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

I am being forced, without my consent, into paperless statements. These predatory tactics are created to have consumers fail to pay credit card bills on time and get charged late fees. I do NOT have access to internet at all times, nor do I want to rely on " paperless '' statements. This is, at a minimum, unfair and predatory, if not illegal treatment of consumers.
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: WRJ Holdings, LLC (GA)

I XXXX XXXX was approved for a Title Loan with First American Title Lending for {$3000.00} upon approval I agreed to repaying the loan in full making monthly payments of {$310.00} per/month totaling {$3300.00} if paid in full XX/XX/2022 {$3000.00}. XX/XX/2022 call to make a payment ask for the balance of the loan representative responded {$3000.00} I ask how is that possible I have made payments from XX/XX/2022 on time to current Rep apologized for the incorrect information provided stated the monthly payments applied was to continue the loan I responded that was not the agreement. I contacted XXXX New Deal XX/XX/2022 ( XXXX XXXX XXXX ) approved the loan paid off the total amount in full to First American Title Lending. 

First American Title Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX