davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to re-dispute several accounts on my credit report that were recently verified without providing proper verification documentation. These accounts appear on my credit report but lack the necessary substantiation to confirm their accuracy. The accounts in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the validity of these accounts due to the lack of proper verification documentation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive this documentation to ensure the accuracy of my credit report. 

I kindly request that you provide the necessary verification documentation for these accounts, including details about the source of the information, the account history, and any supporting documentation that establishes their legitimacy.

I expect to receive this documentation within the legally mandated 30-day period, as outlined in FCRA Section 611 ( a ) ( 6 ) ( B ) ( ii ). Failure to provide this documentation will result in my continued dispute of the accuracy of these accounts, and I reserve the right to take further legal action to protect my rights under the FCRA.

If you require any additional information or documentation from me to assist in this verification process, Thank you for your prompt attention to this matter. I trust that you will uphold the principles of accuracy, fairness, and consumer protection that underpin our credit reporting system.
Consumer complaint received 2022-06-11
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 XXXX  account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my credit report over the past few months, I have identified several errors within your system. It is disheartening to see such discrepancies, as they have had a significant impact on my financial standing. I have reached out via certified letter and website disputes to correct the information that is being reported. 

The erroneous information includes accounts that do not belong to me which I provided documentation for and accurate balance amounts. These inaccuracies are alarming and misleading, as they do not reflect my true credit history and responsible financial behavior. 
I have taken the necessary steps to verify the accuracy of this information with the respective creditors, who have confirmed that the data reported by TransUnion does not align with their records. 
In light of this situation, I kindly urge you to conduct a thorough investigation and correct all the errors present in your system promptly. It is crucial that my credit report accurately reflects my financial position, as it directly impacts my ability to obtain credit and make sound financial decisions. This has caused some devastating and created ongoing issues which include my place of residence, my employment and credit decrease on accounts, I understand that inaccuracies can occur, but this is out of hand that reporting has been inaccurate for XXXX months and it is imperative to address them swiftly and efficiently. Therefore, I kindly request that you provide written confirmation within XXXX as it has been well over XXXX. Once the necessary corrections have been made to my credit file. Additionally, I expect TransUnion to provide me with an updated copy of my credit report reflecting the accurate information within the same timeframe. 
I appreciate your attention to this matter and sincerely hope that you will handle it with the utmost urgency it deserves. Your cooperation in resolving these inaccuracies promptly is vital to ensuring fair and accurate credit reporting.
Consumer complaint received 2022-06-11
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX 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 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

It all started in XXXX when my X-wife declared bankruptcy in federal court in XXXX FL. 
At no time was i evendence from attorneys in XXXX XXXX FL. stating i owed {$32000.00}. When I contacted them i was told only PHH Mortgage was to be contacted, which i did. They refereed my back to the Attorneys which i did. Then i get a pre-foreclosure. Contacted them again and once again was refereed back to PHH. they would now not returned phone calls, And when they did talk to me they said they had NOTHING with my name on it. I then sent them a copy of the Mortgage, Deed and certified order from from the Federal Court by fax and certified Mail twice and other documents. They told me I out of luck and my only option was foreclosure. For over 6 months they denied me any access to the mortgage. always stating i will not accept payment from me that was i think XXXX of XXXX. fast forward 5 years going 6 and PHH sold mortgage to XXXX and XXXX sold it to XXXX and the XXXX sold it back to XXXX. and every time we start over. a {$28000.00} mortgage went {$3200.00} in XX/XX/XXXX to who knows how much now. I have spent tens of thousand over mortgage all because PHH would not accept my payments. I have always said pay the debt but Phh refused. I AM ON THE MORTGAGE SINCE I BOUGHT THE HOUSE I am XXXX years old and this is not right. Sue could use some help
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

I delivered four money orders payable to the order of American Express XXXX XXXX to apply toward the balance of both accounts ending in XXXX and XXXX. The money order was presented in the form of a payment coupon that is redeemable in U.S. dollars. American Express has accepted all forms of negotiable instruments through the payment coupons, and kept them, but refused to apply credit towards the accounts and neglecting Public Law 73-10 which states it's against public policy to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States XXXX HJR 192 clearly states that there is no lawful money to pay debts. House Joint Resolution 192 of 1933 further states that there is no money because the UNITED STATES and all municipalities are in bankruptcy and the only currency that exists is that of all the people 's credit. " The money ( Federal Reserve Notes ) will be worth XXXX XXXX on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the nation. The money so issued will not have one penny of gold coverage behind it, because it is really not needed. '' HJR 192 provides a remedy to the American people for their loss by using their personal credit exemption exchange to discharge all debts public and private back to the UNITED STATES as secured party creditors in the bankruptcy. According to UCC 3-306 when a negotiable instrument is presented as a tender of payment and rejected by the person entitled to enforce it the debt is discharged. Also, 18USC8 says that coupons, federal reserve notes, bills, checks, or drafts of money are all obligations of the UNITED STATES. Being a secured party creditor, it's my right to use my private credit in exchange to discharge the debt owed by the debtor XXXX XXXX XXXX CESTUI QUE VIE TRUST. American Express is acting as Trustees that are required to have a fiduciary obligation to the trust and act in the best interest of the beneficiary XXXX XXXX of the family : XXXX. American Express has failed to fulfill its fiduciary obligation and is requesting payment that is already satisfied therefore committing Trust Fraud and malfeasance.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number XXXXXXXX XXXX XXXX  Case number XXXX Date XX/XX/2023 To Whom It May Concern I have Disputed with you and response you verified the item as accurate stating that you have verified the information with the courts, and their response is enclosed. It is clear they do not report to you or any credit Bureaus for that matter, therefore your initial response verifying the item with the courts was either an error or a lie either way the reporting requirements do not comply with the F.C.R.A 611 ( 15 U.S.C. 1681I ) and the information must be deleted Immediately.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (MI)

I contacted Equifax five ( 5 ) times on XX/XX/2023. I requested information on how they calculate utilization and how many of my accounts are involved in the calculation. 

The multiple representatives I spoke to on XX/XX/2023, could not give me an answer, and they did not know Equifax 's definition of utilization. 

Based on 15 USC 1681a 2 ( A ) ( i ) -- EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any -- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My goal with speaking to the representatives at Equifax was to understand how this metric was calculated. 

Utilization is an experience I perform with using my credit.
Consumer complaint received 2023-01-03
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)

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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX  XXXX DENIED ME BASE OF XXXX, TRANSUNION, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX  XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! XXXX I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX XXXX WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Upon looking at my credit report, I see an account that is past 7 years reporting statute on my Experian credit report. The account is under XXXX XXXX XXXX ( Account # XXXX ) and only reporting inaccurately on Experian. Please delete this outdated account.
Consumer complaint received 2021-08-24
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: Resurgent Capital Services L.P. (TX)

In XXXX  my identity was stolen, I had numerous amounts of checks being wrongfully wrote in my name, Accounts being opened at banks that I owe thousands of dollars for as in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX {$2400.00} credit card opened in my name XXXX  opened in my name in the amount of XXXX XXXX was opened in the amount of {$400.00} and also XXXX XXXX XXXX  also the debt collection name for this company that has it is XXXX XXXX XXXX for {$990.00} I have filed three police reports and have sent them in numerous times I notice a new inquiry or account opened in my name and they still have not been taken down after correct documentation has been sent to them.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I mailed out a debt validation letter to Capital One on XX/XX/2021 requesting for them to validate the alleged accounts ending in XXXX and XXXX. They have not responded to my letter that was received certified mail. I entered into a consumer credit transaction w Capital One which no cash is supposed to be excepted by the lender. capital One is in violation of 15 US C1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. Capital One in fact took cash as shown in the attached labeled exhibit. I have found 20 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 USC 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.
Consumer complaint received 2024-10-21
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-06-11
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. (CA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Department of Education/ XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX XXXX Department of Education/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Dept of EDXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

I signed up for a XXXX percent promo bonus and followed all rules, expecting a {$500.00} bonus to my account for keeping the new money deposited for the required time. My husband did the same with a different ally account. This was allowed per the rules ( XXXX XXXX XXXX  ) He received his bonus on XX/XX/XXXX. I did not. I chatted and was assured that the rep could see that I had deposited the funds and kept it deposited per the rules and that my bonus would arrive by XX/XX/XXXX. On XX/XX/XXXX no bonus. I contacted ally and was told to contact them the next day. I did, and was told that there were lots of calls about the promo not being fulfilled and to be patient. I asked that it be escalated. I received an email that I received the bonus, I emailed back that my husband received his bonus but I did not. They replied that the reason why I didn't receive a bonus is because my husband and I have the same email. the rules do not require different emails, just that the email used be associated with an ally account, which it is. I expect Ally to fulfill its promise.
Consumer complaint received 2021-08-19
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. (NV)

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX XXXX XXXX XXXX XXXX XXXX, and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX XXXX the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at TransUnion. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to TransUnion but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through Twitter messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Consumer complaint received 2021-08-19
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. (TX)

This complaint is being made against Transunion. This is not a request for TU to verify the XXXX XXXX XXXX account this is a request for TU to remove this account in its entirety completely from my credit profile. Transunion has failed to report the account 100 % accurately even after allegedly verifying this account. TU when mirrored against the other companies each bureau is reporting something totally different. Ive been factually disputing TU reporting since XXXX and each rime I point out an inaccuracies TU updates my call out, fails to provide the source of verification and continue to violate my rights under FCRA 611. This is my final request for the account to be removed since TU failed to report the account 100 % correct. I am gearing up to obtain a lawyer is sue and request the max at {$1000.00} per occurrence since TU is not abiding to rules, regulations and violating my consumer rights.