davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Transunion Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. There is definitely an error with their part.Investigate properly and please update for 100 % accuracy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}.
Consumer complaint received 2020-08-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Asset Management Holdings, LLC (TX)

Hello I am following up on a complaint I submitted last year. 

The complaint number is : XXXX The complaint is filed closed but I am not exactly sure what happened with this case. I never received another call from the company trying to secure payments and I filed a complaint with the Dept of Savings and Mortgage Lending in the State of Texas and the company is not registered to do business in the State of Texas so I am wondering if anything has happened to the company and if charges have been pressed and what the end result of this lien is on my house. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SS # XXXX { TransWorld Systems Inc } { XXXX XXXX XXXX XXXX, DE XXXX United States } XX/XX/XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, This letter is in reference to a direct violation of the Fair Debt Collection Practices Act regulation to which a phone call was made to an unauthorized party disclosing personal information concerning the debit to an unauthorized party that has nothing to do with the debit this person was nether a relative or my spouse. It was brought to my attention your collection agents from TransWorld Systems Inc representing XXXX XXXX surgeons called a friend of mine at XXXX on XX/XX/XXXX approx. at XXXX AM in the attempts to locate assets as described to me by the attorney ( XXXX XXXX XXXX XXXX, XXXX ) handling this arrangement. I am filing a direct complaint with www.consumerfinance.gov therefore you can take heed that I am very serious about filing suit against your company. It was made clear to me by attorney ( Counsel XXXX XXXX XXXX, Esq ) that her firm or company had sent a notice to you and your team to remove XXXX XXXX from the list for any further contact or collections but due to your error and lack of detail you have publicly disclosed my personal debit to a party outside of the Fair Debt Collection Practices outlines as the proper persons and or individuals to contact and the proper information to release to properly authorized individuals which puts you did not do in this case which puts you in direct violation of The Fair Credit Reporting Act of 1970 'A debt collector generally can not discuss your debt with anyone but you or your spouse. If an attorney is representing you, and youve told the collector, the debt collector must contact the attorney. '' I await your response. 

Sincerely, ____________________________ XXXX XXXX XXXX : Federal Trade Commission ; Attorney General
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Recovery Systems, Inc. (MS)

This is a complaint about being billed for debt that I do not owe. Bills were constantly sent to me via mail about a debt being owe to XXXX XXXX XXXX which should have been billed to the job XXXX XXXX XXXX XXXX claim/file number XXXX. Due to them not hearing from me they assumed the debt was valid and reported this inaccurate information to my credit report without doing proper investigation.
Consumer complaint received 2022-12-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I am trying to open an account through Navy Federal not sure if its the site or if Im being blocked none the less I have called several times to inform them that their secured portal is not allowing me to upload documents I would much rather speak to a supervisor from corporate and email or mail my documents in.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern Please accept this letter as a formal complaint against my mortgage provider, XXXX. 

I am respectfully requesting your agency assist me by providing relief in removing months of false and malicious reporting to the relevant credit bureaus. Specifically, that XXXX contact the relevant credit bureaus and rescind the false reporting. 

I never filed for personal bankruptcy. 

Unexpectedly, XXXX ceased any and all communication with me as of XX/XX/XXXX. 

They removed me from the auto-draft payment program without my knowledge, consent or directive. 

Additionally, they stopped providing my monthly statements. In doing so, they failed to advise me of changes to my account. By way of example, they increased the monthly amount due, while simultaneously refusing to speak to me regarding any and all previously noted matters. 

XXXX ( due to their own administrative failures ) then proceeded to report derogatory late payments to credit bureau reporting agencies for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After nearly a year of phone calls, denials, and relentless efforts, I was finally able to have them partially investigate this matter. They reluctantly recognized their error and attempted to rectify the madness of kicking me off the auto-draft monthly payment program, by allowing me to resume the auto-draft payment program. Thus assuring I could once again make accurate, and timely payments as I had previously done. They assured me that once the account was formally updated within their system, they would address and correct the error with their credit department. Needless to say, the false reporting continues to this day and clearly has not been corrected. 

Furthermore, as of the writing of this correspondence, their statements continue to reflect an outstanding balance that they represented via telephone would be corrected and/or adjusted. It continues to re-appear on a basis. 

I am respectfully requesting your assistance with correcting the aforementioned matter. In reading available customer reviews, it appears I am not alone. 

Please contact me upon receipt and resolution to this very time sensitive matter.
Consumer complaint received 2022-11-30
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. (GA)

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-30
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)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX/XXXX  {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 CHAPTER XXXX BANKRUPTCY XXXX XX/XX/2020 {$0.00}
Consumer complaint received 2022-11-30
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: GOLDMAN SACHS BANK USA (IL)

I disputed a transaction for a merchant that failed to deliver agreed product. 
Original transaction was XX/XX/2022 for XXXX I disputed the transaction on XX/XX/2022 Apple card/Goldman Sachs asked for more info on XX/XX/2022 I provided proof from the merchant that they did not provide the product in the form of an email from the merchant agreeing that the charge should be refunded on XX/XX/2022. 
Apple card/Goldman Sachs notified me they denied the dispute on XX/XX/2022. 
They were unable to provide additional info on XX/XX/2022 when I contacted them.
Consumer complaint received 2022-12-20
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. (SC)

On XXXX XXXX XXXX the consumer sent dispute letters to all 3 CRAs ( Transunion, XXXX, & XXXX ). My reasoning and justification were to report and start an investigation into inaccurate reporting on a Closed/Cancelled charged-off account. After receiving a response from all 3 CRAs. I called XXXX to get an understanding of how these accuracies were verified. After their thorough investigation, it was explained to me that this account was accurate and verified. When explaining to them the impossibility of this, their statement was to call the creditor to ask for the deletion of the account. After explaining to the CRA that I have called multiple times and asked the creditor to receive accurate reporting and I explained to them the inaccurate reporting, the creditor denied my deletion request. The CRA wanted me to dispute the inaccuracies again but after further explanation ( I ) the consumer and CRA did not come to an understanding. I also have recordings of this conversation of admittance that they have been reporting wrongfully. Also, XXXX stated that their agent made a mistake in how to handle the dispute. I further explained that this mistake should not fall on the consumer as it is the responsibility of the CRAs. Once the consumer disputes what has been considered inaccurate that the investigation should show merit validity to the result. With these disputes of inaccuracies in my report, my mental stability and financial progress have been halted and taken their toll on my health due to the lack of a thorough investigation. Attached below are the documents sent to all 3 CRAs and an outline of the inaccuracies in the credit reporting in question. 
15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Part 7 : Section 611. Procedure in Case of Disputed Accuracy If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CO)

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right. 
Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law. 

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Consumer complaint received 2022-12-15
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$3700.00} ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-05-24
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. (NV)

I booked a hotel stay from XXXX and financed it through XXXX XXXX the manager at the hotel named XXXX charged my credit card with no permission two weeks later I contacted the hotel chain no help I contacted XXXX they called hotel and claimed I was there those days on two occasions I called XXXX  XXXX to let them know I was a victim of identity theft and I filed a report with the FTC and sent them a copy no help from them I had paid XXXX XXXX XXXX while under investigation to keep any bad marks off my credit report this problem was 4 months old and no results because XXXX keeps appealing the dispute so I filed a claim with my bank and they got my money back, I payed twice once from my bank and once from a credit card. XXXX sent a notice and I told them I was a victim of Identity theft, and they can't add this to my credit report, they added the charge off to my Experian report I disputed it Experian says it stays on report they even have the FTC report the only thing I can think at this point is because they are the cause of letting charge off show on report I even contacted XXXX  XXXX  and explained what happened and I could send the FTC report and got no answer. just to recap my damages I payed XXXX XXXX times I was also charged a week of parking when i only stayed one night not a week my bank got XXXX back for me the rest is outstanding I can't rent a place to stay or they want double deposit I have been turned down for auto refinance a personal loan all because of XXXX  XXXX they sent an email to boast about what they did I have all receipts and FTC report and emails to prove I was checked out of hotel I stayed at another for two weeks straight
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE