davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
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. (MD)

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA.

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2. 

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Consumer complaint received 2022-06-21
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. (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-04-12
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: August Real Estate Investments, LLC (TX)

Failure to credit a payment to a borrower 's mortgage loan account as of the date of receipt in violation of 12 CFR 1026.36 ( c ) ( 1 ). 

Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2200.00} This payment should have been credited to : - XX/XX/XXXX payment to principal, interest, escrow, or other charges. in addition, {$170.00} of that amount was to be applied as the additional principal amount. 
Your company failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. This error resulted in an additional over {$43.00} per day in interest that would not have applied to my account. 
Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2000.00} This payment should have been credited to : XX/XX/XXXX payment to principal, interest, escrow, or other charges. 

Escrow Errors : Failure to refund an escrow account balance as required by 1024.34 ( b ). 

I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. The insurance has been paid for the year and the total tax liability is less due to the homeowner 's exemption. 

My taxes are $ {$6000.00} without any exemptions as an estimate from county. 
my insurance is {$2300.00} which covers until XX/XX/2023. This is about eight months away. Currently, they are holding over {$5600.00} in my escrow account and continue to deduct {$440.00} per month for the next eight months. 
Please note the following : {$440.00} ( current escrow payment monthly ) x 8 ( months left until homeowners insurance is due ) = {$3500.00} additional by bill due date {$5600.00} ( current balance in an escrow account ) -- -- -- -- -- {$9200.00} in escrow total by the due date... 

Escrow payments due ( taxes and insurance ) {$6000.00} taxes rough estimate from county ( not including my homeowners exemption ) {$8400.00} for property insurance -- -- -- -- -- -- -- - {$8400.00} total bills due This is an overage of $ XXXX {$1100.00} once I include the homeowners exemption. 

Fee Errors : Imposition of a fee or charge that the servicer lacks a reasonable basis to impose upon the borrower. 

Your company incorrectly imposed a late fee on XX/XX/XXXX in the amount of {$75.00}. My XXXX payment was not late, it was sitting in your reserve account from my payment on XX/XX/XXXX that was not applied.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I contacted the customer service on the phone and branch to close my business checking account with Huntington as I move to different part of the state. I did that on XX/XX/2022. I was told the only way is to come into the branch. I am unable to travel for XXXXXXXX XXXX  just to close the account.
Consumer complaint received 2022-04-12
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. (MO)

Upon reviewing my credit file, incorrect information were was found in my reports. The XXXXExperian/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$200.00} TransUnion : XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$200.00}
Consumer complaint received 2022-09-15
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. (NC)

Accordance with the Fair Credit Reporting Act Convergent Account : 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 instructions.

XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2022-06-21
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. (OH)

In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 2022-04-12
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)

N accordance with the fair Credit Reporting act XXXX  accounts XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 I have also requested validation of an item reported to you by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX .I have received my confidential medical records in response without a prior written release clearly violating my rights under XXXX XXXX 

Legal action is will commence against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Should these item not be promptly removed from my credit report. I will pursue every legal route available against any agency responsible for reporting this violation. 

FCRA violation Remove all account because you are reporting inaccurate dates from when the collection was First received, last up dated and Removed dates are all different on all XXXX Credit bureau yall cant be getting the same information from the same source but have different dates you all have even also reset my 7 year removal date Several times which is a serious violation making it harder for me Financially with all this inaccurate information on my whole credit report for several years
Consumer complaint received 2022-09-15
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: TD BANK US HOLDING COMPANY (MI)

Hello, I have an account with TD BANK aka Nordstrom Card Services. They reported my account as overdue past 30 days XX/XX/2020 to my credit file and my credit score dropped XXXX points. Due to the XXXX epidemic, I was very XXXX, I was XXXX I have never had a late payment with Nordstrom. I called and asked to be enrolled into a covid program and the representative assured me I would. In light of being XXXX, I still attempted to make a payment, I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from the XXXX received a notice on my credit monitoring that my XXXX, XXXX, & XXXX score had plummeted XXXX points. I had EXCELLENT credit and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 6 year cardholder with exceptional payment history. I am so incredibly frustrated Please help me with this situation. Thank you.
Consumer complaint received 2022-09-15
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. (TX)

I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2022-08-21
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: Bread Financial Holdings, Inc. (CA)

In accordance with the Fair Credit Report Act XXXX  XXXX Account # XXXX Comenity. Bank/ NY & Co Acct # XXXX They have all violated my rights.

15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an Account " Without my written instructions '' 15 USC 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
Consumer complaint received 2022-06-21
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Details : I had a CAPITAL ONE SAKS FIFTH CREDIT CARD Circumstance : Due to XXXX, I was sick and had complications arising from this ( XXXX  ) I had 4 late payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There was a global pandemic, My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. I have had this account since XXXX. I am current. First Attempt : I tried stating that due to this and The CARES Act protections for consumers with late fees to remove them as this is hurting my credit more than anything. Additionally, according to " Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( XXXX ), the term consumer report does not include - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Since a late fee is an experience, it is not even legal according to Congress. I do not owe Capital One any money, so for multiple reasons this should be removed. However I don't think they got the message as it was done online. Second Attempt : In XXXX I spoke with Capital One via phone and they said they would remove them, but their system wouldn't allow it. They assured me I would be enrolled in a covid program they had in place. These late payments are hurting me so bad I can't get another credit card, car or house. Why was I exempt from the programs that are/ were in place due to the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (MO)

On Monday, XX/XX/2022, XXXX PM ( ET ) I sent a message through the secure message system because I had lost my XXXX XXXX Rewards XXXX. 
Message read : To : Comenity Bank Subject : Lost or Stolen Cards Message ID : XXXX need to close card and get another ordered I have been making above minimum payments, paying interest and waiting to recieve my card. I finally got ahold of the company to let them know that I still haven't recieved my new card and request another card and they told me that they closed my account per customer request, which was incorrect. I spoke to a regular agent, she told me there was nothing she could do. I requested to speak to a manager, she also told me there was nothing they could do. She apologized and told me it was very clear by the notes on my account that I did not request for my Credit Card Account to be closed, it was obvious that I was reporting my card lost or stolen and I needed a new one. This was a 4 year old good standing account that was a nearly {$9000.00} credit line. This is SO BAD for my credit score and I need something done immediately. By law, there has to be something that I can do. Thank you!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i was a victim of identity theft and i couldnt figure out how to get all the accounts submitted together. i finally figured out that you have to d it seperately. Please remove the accounts that were caused by fraud
Consumer complaint received 2022-01-12
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. (AL)

I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (TX)

I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.
Consumer complaint received 2022-09-15
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. (MD)

On XX/XX/XXXX Transunion had received my first CFPB complaint # XXXX. On XX/XX/XXXX my records, via Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX indicate that Transunion received all the necessary information by law, on my claim of Identity theft and request to block the information. Pursuant to 15 U.S.C. 1681c-2 Transunion has 5 business days to take some sort of action. TransUnion has not responded to my recent request on XX/XX/XXXX nor to the CFPB complaint on XX/XX/XXXX. They are past the 15 days to respond to the CFBP and past the 5 days to respond to my mailing.