davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on XXXX  account numbers XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to a charge off account with XXXXXXXX XXXX XXXX account number XXXX. I am disputing the information that has been reported on my credit report and would like to request an investigation into this matter. 

According to my credit report, this account has been charged off, however, I have reason to believe that this information is incorrect. I have never received any notifications from XXXXXXXX XXXX XXXX regarding this account, and I have not received any statements or invoices. I also have no recollection of any transactions or payments made towards this account. 

Furthermore, there are discrepancies in the reported addresses associated with this account. The previous addresses listed on my credit report are incorrect and do not belong to me. I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX or any of the other addresses listed on my report.
Consumer complaint received 2019-12-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

On XX/XX/19 I submitted a dispute for the accounts with CMRE Financial ( # XXXX ) there are 4 accounts with the same account number. CMRE Financial verified to the credit bureaus that they are legally collecting the accounts. 

I sent a letter directly to CMRE on XX/XX/19 ( tracking USPS XXXX XXXX XXXX XXXX XXXX ), at this point because it is getting frustrating. I requested all documentation proving this account is mine, they have the right to collect and what they are using to calculate the debt they claim I owe. It has been past 30 days and they have not removed these accounts from my credit reports or provided all requested documentation. These accounts should not be on my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following companies have violated my rights : Account Name : XXXX XXXX XXXX XX/XX/XXXX {$980.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$29000.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1400.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX {$10000.00} Account Name : XXXX  XXXX XXXX/XXXX/XXXX {$550.00} Account Name : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} Account Name : XXXX XXXX XX/XX/XXXX {$1300.00} 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EDXXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX - {$180.00} - has violated my rights. 

XXXX XXXX XXXX - {$680.00} - has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX - {$78.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - {$4000.00} - has violated my rights. 

XXXX XXXX XXXX XXXX - {$420.00} -has violated my rights. 

XXXX XXXX XXXX XXXX XXXX {$420.00} - has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
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)

XX/XX/XXXX - Transunion credit reporting company. Requested that a creditor be removed from my credit report, XXXX XXXX XXXX XXXX. This is a medical bill with an original balance of {$380.00}, and per the bill passed in Congress in XX/XX/XXXX, credit reporting agencies are required to remove ORIGINAL medical debt of {$500.00} or less. Per the bill, this applies to the ORIGINAL debt, not debt added by collection agencies, like what has been done by XXXX XXXX XXXX XXXX. Transunion has refused to delete the medical bill from my report stating that the ORIGINAL debt does not apply, only the ORIGINAL medical debt + interest, which brings my total debt on this item to over {$500.00}. But this is in violation of how the law reads. 

XX/XX/XXXX - Requested the same, as above, with Transunion via telephone on this date. Received a written response back today ( XX/XX/XXXX ) with the same response as above, saying that the amount of the debt + interest exceed {$500.00}, therefor Transunion would not remove the item. Despite the ORIGINAL medical debt being under the {$500.00} threshold. 

NOTE : The Transunion credit report clearly states that the ORIGINAL debt is {$380.00} and from XXXX XXXX, a medical practice.
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-22
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. (IL)

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed account will be updated immediately. 
XXXX  XXXX XXXX Balance : {$740.00}
Consumer complaint received 2023-02-22
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. (SC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$33000.00}.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (IL)

I signed up for a business credit card with a promotional offer of 0 % APR on Balance Transfers for 18 months. The statements for my credit card ending in XXXX correctly show the 0 % APR, but the statements for the central billing account ending in XXXX are incorrectly charging me 26.99 % APR. 

I opened this card expressly to take advantage of this promotion on balance transfers and I read the terms of the offer very carefully. If, as the bank claims, the promotional APR for balance transfers was not part of the agreement I ended up signing, then at the very least their advertising is duplicitous. 

The top part of the marketing funnel all clearly state that the 0 % APR applies to balance transfers. If that aspect was removed somewhere in the application flow then it should have been clearly highlighted to me that I was not getting the offer that I started with. I would not have opened this card if I realized they had rescinded that part of the promotion. Here is a timeline of my actions XX/XX/year> - XXXX applied for the U.S. XXXX XXXX XXXX Credit Card - I clicked through to the application from a link on XXXX with a promotional offer of 18 months 0 % XXXX on Purchases and Balance transfers. The URL is : XXXX XXXX XXXXXXXX - I have screenshots of my browser history from XX/XX/XXXX as well as the XXXX XXXX site and the US Bank landing page that appears when clicking through on this promotional link from XXXX XXXX XXXX XXXX XXXXXX/XX/year> - I opened my paper statement ending on XX/XX/XXXX and discovered the incorrect interest charge. 
- I called Customer Service and reported the incorrect charge. 
- I was told by the phone agent that they had submitted an issue on my behalf and that I should expect to hear back within XXXX business days. 
- I did not hear back XX/XX/year> - I received the second billing statement with an incorrect interest charge. 
- I researched what my options for addressing the incorrect charges are since my attempt to resolve via Customer Service had not been effective. 
- I decided to follow the guidance of the Consumer Financial Protection Bureau and submit a formal dispute letter. 

XX/XX/year> - XXXX faxed my dispute letter to the fax number listed XXXX which I found on the US Bank website as the Fax number for Cardmember Service. 

XX/XX/year> - I chatted with a support agent to confirm if they had recieved my fax. They had no record of it and gave me a different fax number : XXXX. 
- I faxed my dispute letter to the new fax number : XX/XX/XXXX - I chatted with a support agent to confirm they had received my fax. They did. 
- They said the company was denying my request because the information I sent was a " generic offer '' and not the offer I actually received and that I would receive official notice in the mail in 10 days - Rather than waiting to receive that, I am immediately escalating this to CFPB.
Consumer complaint received 2023-12-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (NY)

CFPB Complaint in Response to XXXX Letter dated XX/XX/XXXX This letter is in response to XXXX XXXX recycled redundant non-substantive findings after another hollow disingenuous investigation of the facts. At the outset, XXXX acknowledges receipt of my hardship letter and request for a modification on XX/XX/XXXX but does not respond to the first modification request until XX/XX/XXXX ( 5 months later without an explanation for the delay ). 
Interestingly, notwithstanding multiple requests for a modification from XX/XX/XXXX through XX/XX/XXXX, as well as in XXXX CFPB complaints, XXXX has NOT included a single document submitted by the borrower for a modification, nor is there a single document of the alleged investor guidelines used as the basis for the denial. Instead, the review repeatedly concludes ad nauseam that you did not meet the requirements for a particular program or you did not meet the investor guidelines, but does NOT provide any written documentary evidence of what the investor guidelines were. 
Sadly, XXXX has not and can not provide a good-faith basis for the denial supported by documentary proof of the investors guidelines together with the borrowers records submitted with the multiple modification applications. The XX/XX/XXXX alleged review refers to the identical letters it sent with its alleged reviews dated XX/XX/XXXX and XX/XX/XXXX, both of which are devoid of the written investor modification guidelines or the borrowers documents submitted with the modification requests. 
XXXX claims the loan was a private loan that did not participate in the XXXX XXXX XXXX XXXX ( XXXX ) but does not provide any written proof of the same. Even assuming the investor did not participate in XXXX, that does not relieve the investor of its duty to provide proof of the investors written guidelines together with the multiple modification documents submitted by the borrower. 
It is well established that the wrongful denial of my multiple requests for a modification fits squarely within the period between XXXX and XXXX wherein Wells Fargo failed to detect errors in its automated system to determine whether consumers in default would be eligible for loan modifications with XXXX XXXX or XXXX XXXX, or under the XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Equally untenable is Wells XXXX  allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. 
Further, as mentioned in my complaints CFPB Case Number XXXX and XXXX, XXXX XXXX argument that XXXX XXXX on or about XX/XX/XXXX was based on the XXXX  is equally meritless because the XXXX  valuation took place more than 7 years after multiple wrongful modification denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its XXXX years of dilatory actions and wrongful denials.
Consumer complaint received 2023-02-22
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. (SC)

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$690.00} ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$390.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$660.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-02-22
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 addresses and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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)

When I reviewed my credit report, I discovered that these items were 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 need to be investigated and corrected for 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
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.