davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-03
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)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX T 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 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$760.00} ; XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OR)

I have gone through the deed in lieu process fully with Seterus 3 times since XX/XX/XXXX. I have had a horrible experience working with Seterus throughout this process and each time the deed in lieu has been denied due to the bank 's lack of communication with me. XXXX XXXX was assigned to handle the deed in lieu of my property and rarely did she return my numerous calls. When I would call customer service, there was always some new document I needed to submit or some new reason as to why the deed in lieu was denied. I have done everything I was supposed to do on my end and submitted all of the necessary documents. Because communications to me from Seterus were minimal, documents for the deed in lieu constantly expired and I had to restart the process at least 3 times. At this point I am frustrated and believe that Seterus is being negligent. The customer service I have been receiving from Seterus has been subpar and my last call on XXXX XXXX, XXXX was completely unacceptable. I learned again that the documentation had expired when the deed in lieu should have gone to closing by this point. No one has been contacting me to keep me updated or to make requests for my assistance when other parties connected to the property were supposedly being unresponsive. Frustrated, I asked to speak with a manager, because at this point I want a solution. He told me I needed to resubmit documents that not one person had asked me to resubmit the entire year I had been working with Seterus. Once again, each time I call there is a new excuse. I requested that one person be able to handle my account, because it seems that there is no standard of communication, and that request was denied. The manager spent much of the call insulting me, telling me that I was " crying over spilled milk '' numerous times and lectured me on my " obligation '' to pay the loan. He was completely unconcerned about my situation and after his rudeness continued I ended the call.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-10
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. (FL)

Reviewing my information and verifying the alerts that come to my phone that they were accessing my information without my authorization to obtain credit and financing, which he claimed are fraudulent, please remove all these inquiries from my information : delete. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are inquiries that I do not recognize and are fraudulent
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My consumer report contains accounts linked to identity theft that I never authorized in writing or with a wet signature. I've recently contacted your organization about this and am now formally demanding these accounts be blocked and removed from my report immediately. These inaccurate entries have caused me significant distress and misrepresent my credit history and obligations. If not addressed properly, I'll pursue legal action to protect my rights and seek resolution. These fraudulent items have prevented me from achieving key financial goals like buying a home and supporting my family.
Consumer complaint received 2023-03-05
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: TRUIST FINANCIAL CORPORATION (GA)

On XXXX, XXXX was the date our loan was due to Truist. It was the date the merger took place. We had automatic payment set up from the start of the loan in XXXX with Suntrust XXXX They took two payments. It took 8 weeks to resolve that. Within that time, my credit score dropped from XXXX to XXXX. They also changed our fixed rate to adjustable after the merger. They reported our loan going up one month instead of down when paying it. Again until XXXX, every months there were issues with the automatic payment being incorrectly applied to interest and principal. We had to pay extra one month due to them applying it incorrectly and refusing to correct it. On XXXX XXXX we paid a fee of {$15.00} to re-do the loan. The parent loan with the line of credit was closed and a child loan ( their term ) opened that was now a fixed rate loan that we could not longer draw off of. And we were NOT told that this now made our loan five years longer. A week later, they reported to all three credit bureaus our loan was now {$100000.00}. That stayed on the reports until XX/XX/XXXX with no one resolving the mistakes reported and changing those number that were incorrect with all three bureaus. The wrong payments on certain months show on the credit reports, this needs to be correct. Numbers didnt match anything that was actually paid.We have repeatedly called to get a supervisor. No one has called. On XX/XX/XXXX, I got notice from all three credit bureaus our credit score dropped XXXX pts. It seems that Truist put out there wed only paid {$7.00} toward two loans with them as they also handle our XXXX payment. We pay a total of {$910.00} for both loans. Our home equity is {$440.00} fixed. Our personal loan is {$470.00}. 

We need this errors with all three credit bureaus corrected all the way back until the XXXX, XXXX. Each individual month needs to be done. We are unable to leave this bank to get a new loan as no one will now give us credit. We have are unable to apply for even a store credit card. We have been denied at every turn to have the opportunity to leave this bank. Our credit history has been solid since XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (PA)

Please ask this debt collector to verify this debt? 
I do not owe this debt and please ask the creditor to answer the questions below? 
Collector Information : XXXX XXXX Original debt collector : 09 XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : XXXX Collector information XXXX XXXX  Original Debtor : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Phone number : XXXX 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-05
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)

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 Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (MD)

I currently have 2 loans with M & T bank and when making payments online via the mobile app the payment was posted to the incorrect account causing one to go past due. I attempted to make this right with the loan company however so far they haven't only caused more confusion and not provided a resolution. Now that the late reporting is reflected on my credit report I have since been impacted greatly by the loss of credit lines, some reduced to the current balance on the account. When logging in on the mobile browser and going to make a payment I selected the account I wanted to pay- and processed a payment not knowing or being alerted that even though I selected the account I wanted to pay the default was set to go to the first account. At this point, there were no labels on the accounts to really know which one was which. I later discovered on my own you could apply nicknames to each account- this wasn't shared with me as a solution. I was basically given the canned response of I should have known better and that is just how things work. This is a poor customer experience. I did ask for a resolution and next, I see they have done payment reversals on the one account - thinking this was to transfer the payment that was posted to the incorrect account to the right account- nope it was just posted back to the same account. There were multiple payments reversed. This caused even more confusion in the meantime I was making payments to both accounts to not further the damage that was already in progress. Only to be caught up in a situation where the payment I set up online not posting at all - I went through the process and submitted the payment in order to prove myself they wanted a payment confirmation number well there are no text messages or emails sent to provide that number it is only online and well since the payment didn't post there was no confirmation number to be found. This only compounded things because the account was now going to be reported as late. If the payment had been posted to the right account the first time it wouldn't have happened, then when I alerted M & T that this had happened they failed to provide a solution, then I tried to provide myself a solution and this also failed. I have never paid late on any bill in my entire life this has been extremely upsetting and aggravating, to say the least. My credit score plummeted overnight and now it is causing additional impacts I am sure some are not even realized yet. Once this is fixed I will have to fight with the other creditors to fix/undo what has been done as a result of M & Ts failure to correct the issue.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

I would like an investigation for Rushmore Loan Management Services, XXXX XXXX XXXX, XXXX, California and XXXX. Contact number XXXX. Reference Loan Number XXXX. I have issued payments to Rushmore Loan Management Services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Louisiana and XXXX ; Contact # XXXX. I am reporting this matter due to money laundering and foreclosures of previous properties : XXXX XXXX - Account number XXXX ; property address XXXX XXXX XXXX, XXXX XXXX, LA and XXXX XXXX XXXX Reference loan number XXXX. I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was sentenced 60 months for money laundering. Members of the congregation was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My properties and automobiles was seized due to my previous occupation and employment. I was working for a Federal Agencies and was approached by. XXXX XXXX XXXX XXXX XXXX and he requested a favor from me. The favors were money and grants from the agency. I denied the request and I truly believe this incident have hurt my creditability. Also, he knew employees working for the Federal Emergency Management Agency. The mortgages loans list XXXX XXXX XXXX.
Consumer complaint received 2023-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I had problems with my Debit card and credit card working. I ordered a new one had it overnighted. Now the bank refuses to let me have access to any of my funds in my account. I am a XXXX veteran and am on a fixed income. I use this money to eat and heat my home, and pay for the things I need to survive. I dont know what to do now.
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Invested money through my citizens account that should have been recognized as a scam by them. Also had my account hacked and had money stolen directly and through a counterfeit check without my knowledge or approval. 
For more details, please see attached letters.