davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

I HAVE ACCOUNTS ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AS EVER DOING ANY BUSINESS WITH THESE COMPANIES.

PLEASE DELETE THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-01
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-03
Product: Credit 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: DISCOVER BANK (CA)

I checked my Discover Credit Card balance on XXXX and paid the small balance. 

Apparently, on XXXX, an inappropriate charge was posted via XXXX by an Ap on the phone. I was not advised of this charge by XXXX or the Ap ad I had no reason to expect it since I had immediately canceled during the trial period about a month ago. But the incorrect disputed charge was reflected on my payment period of XXXX and this resulted in Discover reporting a late payment on my account. I paid the balance as soon as I saw it and as soon as Discover emailed me that my payment was late. However, when I called XXXX at Discover, he was unable to tell me if a late payment had been reported. He did transfer me to the dispute department where I was able to file a dispute against the charge and Discover issued a credit. However, the late payment was reported even though I could not have anticipated the balance on my account. 

When you buy an XXXX  from XXXX, they require a credit card number in case they want to charge for " APs '' or other items. Then they load the phone with about fifty APs and you have to click on them to see what they are about. I clicked to see what this Ap was about and try it, and was immediately input into a " trial period '' subscription. After using the AP and obtaining an incorrect answer, I immediately canceled the trial subscription. Some time later, either XXXX of the AP tried to muscle me for payment by charging my account, even though I had specifically cancelled it and there was no notice that I was being charged, not from XXXX, not from the AP. This resulted in a late payment to Discover for a balance I could not have imagined existed.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I wired {$2500.00} to one of my employees for services rendered via XXXX through Bank of America. The wire was sent on XX/XX/XXXX and got an email that the transfer was put on hold. I called Bank of America on XX/XX/XXXX and was told the hold was from the receiving bank side. My employee said he went into his branch and was told his bank did not receive the information. I called today ( XXXX ) and spent XXXX on the phone talking to four different people who said they could not access my account and told me to go walk into a branch to ask where the wire is and why it was put on hold. They said I may have to go into a branch every time I have a question on my account because they didn't have access to the account. 

Call us about your XXXX transfer You sent {$2500.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX Bank of America has placed this transfer on hold pending review. You'll need to contact us within 15 days to avoid further delays and possible rejection or XXXX  of your transfer.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I received a notice from Fifth Third Bank stating that my escrow account balance is estimated to fall below the lowest required balance, giving me a shortage of XXXX. I have overpaid my mortgage by XXXX every year, so I should still be above that mark. Despite this fact, they have raised my monthly payment. When I reached out by phone, the automated service did not recognize my account, nor my ssn, nor my husband 's ssn. The automated service hangs up on you no matter what option you select. When I attempted to login to their website, I repeatedly received messages stating my account was 'invalid '. If I'm unable to speak to anyone, then I am unable to resolve the issue. 

Please help.
Consumer complaint received 2024-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint Summary : " I am filing this complaint against TransUnion, XXXX XXXX XXXX, and XXXX XXXX due to ongoing issues with inaccurate, unverified information on my credit report, despite multiple efforts to resolve these matters. Specifically, I am challenging TransUnions failure to act according to federal regulations concerning identity theft and fraudulent debt reporting. 

As mandated under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow strict guidelines regarding identity theft claims. According to the FCRA 's five-day rule, once a consumer submits an identity theft report ( such as an FTC affidavit ), the credit reporting agency must remove fraudulent accounts from the consumers report within XXXX business days if the items are disputed. I previously provided TransUnion with an FTC affidavit detailing identity theft issues related to debts and accounts that do not belong to me, which were added to my report without my authorization. Although XXXX and XXXX promptly removed these fraudulent items following receipt of the FTC affidavit, TransUnion has failed to do so, leaving these damaging records on my credit report unjustly. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) imposes obligations on debt collectors to report only accurate information and prohibits deceptive or abusive practices. In this case, XXXX XXXX XXXX and XXXX XXXX have reported debts linked to an address I have never lived at, claiming utility use in my name at an abandoned property. These agencies refusal to correct false information after being notified constitutes a deceptive practice under FDCPA Sections 807 and 808. 

Further compounding this issue is a disputed loan still reported by XXXX despite active litigation over the loans legitimacy. By continuing to report this loan in the middle of an unresolved legal dispute, XXXX is jeopardizing my credit report 's accuracy and violating the FCRAs accuracy provisions. 

Despite my prior efforts to address these issues, TransUnion has disregarded its legal obligations by not honoring my identity theft affidavit and not removing unverified debts. I am requesting that the CFPB investigate these ongoing violations by TransUnion, XXXX XXXX XXXX, XXXX XXXX, and XXXX. I also request that the CFPB enforce corrective actions compelling these entities to immediately remove any unverifiable or disputed debts in compliance with FCRA and FDCPA standards. Additionally, I seek assurances that my consumer rights under these laws will be fully protected from further violations and extortionate practices. ''
Consumer complaint received 2024-08-01
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. (MD)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX bank started a foreclosure procedure when we were finalizing a loan modification. As you can see from the attached I was on top of this loan modification from day XXXX. XXXX lost documents more than one time. This has been a disaster from day 1. Fifth Third has made error after error and now served us papers to the wrong address and embarrassed us in front of our friends staying there at our home and all our neighbors. Our credit and reputation has been destroyed and more. Our kids and we are getting calls saying our house is in foreclosure and do we want to sell. I have emails showing that I was waiting for them to help me with the proper dates of the first payment. I tried to make a payment and they would not accept it. Also now we had to hire an attorney which is difficult to afford. 

I truly hope you can help us!!
Consumer complaint received 2024-09-03
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: Rent Recovery Solutions (NY)

I moved from XXXX XXXX XXXX XXXX on XX/XX/scrub> 2024. They lied saying I owed a balance of {$5600.00} and when I asked where the amount came from I was told that I broke the lease. I have proof that I didn't break the lease.. My rent was {$1200.00} at the time and I only had one month left on the lease. So even If had broke the lease which I didn't that still would not add up to {$5600.00} dollars. I moved XX/XX/year>2024 and I my wife wrote the property manager in a letter that we would be moving XX/XX/scrub> 2024 after she sent me a letter stating she would allow me and my wife to terminate the lease early. Which XX/XX/year>2024 my lease would have been up. After we received the collection from Rent Recovery Solution and disputed with them asking for itemized statement and original contract we never received anything or even the dispute resolution. We also disputed with the the credit bureaus. XXXX removed my wife but found mine as accurate. I included copies of the document.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

While reviewing my credit report, I identified two negative items that I believe are inaccurate. These items are listed under " XXXX XXXXXXXX XXXX XXXX and " XXXX XXXX XXXX. '' After thorough examination of my records and accounts, I found discrepancies and issues with these entries that prompted me to dispute them. 
from Experian dispute Department and XXXX XXXX XXXX.
Consumer complaint received 2024-08-01
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-01
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. (OH)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.