davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file in accordance to paragraph ( 5 ), begore 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 reseller.
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

On XX/XX/XXXXXXXX XXXX XXXX XXXX I spoke to a representative at PHH and she stated that I had to submit one more document for Mortgage Assistance. I sent the required document at XXXX XXXX Yesterday I received a letter from PHH stating that you had not received all of the documents and therefore we could not get mortgage assistance. We are extremely confused. How can we be told one thing and then we are told another thing. We desperately want to keep the house but need assistance. We are slowly repairing the home meet todays standards. We have had many expensive items arise in the last 6 months that we have repaired. We have windows that are covered in lead paint that we were not aware of at the time of purchase. ( at least not to the extent we have found )
Consumer complaint received 2023-06-23
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. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-23
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. (FL)

I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 

According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file in accordance to paragraph ( 5 ), begore 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 reseller.
Consumer complaint received 2023-06-23
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. (TN)

This is my XXXX 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 an 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 XXXX XXXX XXXX XXXX XXXX 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 2023-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX is indicating Your credit-based insurance score received on XX/XX/XXXX, was a XXXX, which qualified you for a XXXX XXXX XXXXXXXX Your credit-based insurance score received on XX/XX/XXXX, was a XXXX, which qualifies you for a XXXX XXXX XXXXXXXX The XXXX XXXX XXXX will apply at your next renewal beginning XX/XX/XXXX. 


I am concerned that XXXX XXXX is issuing scores not based on accurate credit scores as my score is unchanged from XX/XX/XXXX. I am concerned XXXX XXXX informs the insured has a lower premium level to raise the premium even though their credit score is high. 


I have contacted trans union about this issue. I spoke with XXXX. Per transunion My score is over 800 which exceptionally high. 

Transunion is not being transparent on how they determine their credit base score for insurance companies to rely on. I am unclear how their formula or system works and it is arbitrary since I have a credit score over 800. 


Thank you,
Consumer complaint received 2023-06-22
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. (AZ)

XXXX, a subsidiary of XXXX XXXX ran an unrequested and unauthorized hard inquiry on my credit report, on XX/XX/XXXX. I only found out about this because of an alert on my credit reporting service on XX/XX/XXXX. I immediately contacted XXXX about this hard inquiry, they said someone applied for a for a XXXX XXXX XXXX  and was denied credit. If I had applied for such a card I am sure I would be approved, it was NOT me that applied. They agreed that it appeared to be a case of attempted identity theft and said they would remove the hard inquiry from my credit report. This one hard inquiry alone dropped my credit rating by XXXX points. A week later I contacted XXXX via email and informed them of this situation. I have not received any response from XXXX. It has been 2 weeks now and this hard inquiry is still on my credit report. I thought it was illegal for companies to run hard inquiries on someone's credit without their authorization. Isn't there some kind of penalty that can be imposed on such companies to prevent them from doing the same thing to other people? It appears that XXXX has ran a lot of unauthoprized hard inquiries on people 's credit reporting.
Consumer complaint received 2023-06-22
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. (NY)

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off 1. XXXX Account Number : XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX XXXX XXXX Account Number : XXXX I demand for Collection charge off accounts be deleted immediately and for open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

For Open Account Invalid Latepayment 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-22
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. (VA)

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (WA)

Company called TSI ( Transworld Systems Inc ) sent me mail about some debt I apparently owe from last year. I attempted to create an account with them to complete payment but was unable to for no given reason. 

This leads me to believe the debt collection attempt is a scam. Please see attached. I can pay the debt, but I want to make sure I'm not being scammed first.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2019-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19 someone used my debit card number to spend {$100.00} at XXXX 25min away from where I live. I immediately received a alert limit email notification which I set to be {$75.00}. I reported it to Chase immediately. They issued me the money immediately and told me they would investigate. A couple weeks later I notice that Chase took the money back out from my account. I called and they said they denied my fraud claim and stated I need to provide more evidence. I contacted my local sheriffs department and filed a police report so they can get ahold of video surveillance to prove it wasnt me. The police officer told me to contact Chase and to submit the case number and that they know what to do since they always deal with this stuff. I contact Chase again and now they are telling me to have the Sheriffs department fax the police report to them. I contact the sheriffs department and they stated they usually dont do that type of stuff. Chase is making extremely difficult for me to get my money back and for them to accept fraud claim. I thought I had fraud protection, but its not working for me. I dont feel safe with Chase having all money ( they are my primary checking account and its where all my direct deposits go to ). Luckily it was only {$100.00} but its not the amount of money that matters, its the principal. It will be weeks until I get my money back. Extremely unhappy with how Chase has handled this and how they are making so difficult for me to get my money back. I will be closing my account with them soon once this hopefully all delt with
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

7 years ago I was a victim to Wells Fargos banking regulatory rules when they converted my accounts to a fee-based account without my consent. This was after the Feds had caught Wells Fargo for converting accounts to fee based accounts without the account holders knowledge and WF was fined millions. In XXXXXXXX XXXX XXXXXXXX I received a text from the buyer of my previous home address in XXXX XXXX Florida that she was receiving g mail from Wells Fargo addressed tome. I had given WF my new address in XXXX so I was concerned that mail was going to my previous address. I asked he too [ en the letter and text me a photo of the contents. Turns out the letter was a statement showing Wells had {$1300.00} in an account in my name that they were sending to unclaimed accounts. I filed a formal complaint with WF on XX/XX/XXXX and the banker told me I should receive my funds by check from WF within 10-days. I went into the XXXX XXXX branch on XXXX XXXX. on or about Monday, XX/XX/XXXX and spoke to the bank representitive XXXX. She called their escalation department while I was at her desk and she started a formal review to get WF to release my funds. On XX/XX/XXXX I received an email from WF with a case number : XXXX stating my case would be resolved in ten business days. Today, XX/XX/XXXX, I called the WF enterprise complaints management office at XXXX EST and spoke with their representitive who transferred me to their corporate accounts escalation department representitive. This representitive assured me my money would be forthcoming and that I needed to physically go to the XXXX XXXX branch and speak directly with the bank rep, XXXX. I asked him to please contact XXXX, ensure she was at the branch today, and inform her that I was on my way. He placed me on hold and came crack on the phone a few minutes later and confirmed XXXX was at t eh branch and she would get this issue satisfied. I ask him why he couldnt tell me the status and he said it was confidential and I would need to speak to XXXX in person. I immediately drove to the branch, and met with XXXX. XXXX knew nothing of my conversation with corporate and stated no one had called her. So she got the branch manager involved and I waited for thirty minutes while they attempted to contact the escalation department rep. After a half hour I told them I was leaving and I would be back with the news media. Both XXXX and the branch manager apologized for my continuing inconvenience. This bank is obviously a thief and I need your help in retrieving my monies. Thank you.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (OH)

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

I previously opened a compliant on XX/XX/23 which XXXX, Equifax, and XXXX did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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 may make any of the following items of information Any 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (IL)

My disputes are being ignored, and I feel taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me.
Consumer complaint received 2023-06-22
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. (KY)

I have called numerous times to XXXX and they have not assisted me promptly or correctly with identity theft. After I alerted the XXXX bureaus of the issue, XXXX continued to report my account as late. I told them I did not have the card and the transactions were fraud, and would not send a card or open account since it was passdue. Also during, the calls they pushed me to paying or they'll report it late. I explained to them that it wasn't me making the charges, until I finally closed my secured card. Even after they still reported it with late payments and balance due. It it showing late payments on a now closed account
Consumer complaint received 2023-06-21
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. (IA)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-06-22
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. (GA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.