davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
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. (GA)

To whom it XXXX concern : On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, I mailed TransUnion XXXX by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to investigate the issues that I have properly with the creditors. They 've also failed to provide me with factual and accurate information validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than TransUnion XXXX. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-23
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: Experian Information Solutions Inc. (NY)

There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XX/XX/XXXX. Those two accounts where paid in full and the accounts were closed on XX/XX/XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX, Experian and XXXX, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Consumer complaint received 2024-08-28
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (NY)

There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those two accounts where paid in full and the accounts were closed on 2012. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX XXXX and Equifax, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Consumer complaint received 2017-10-23
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. (CA)

I checked my credit report and saw that I had an incorrect balance of {$500.00} on my XXXX XXXX account. The balance should be {$0.00}. Transunion previously reported I had a zero balance and now it is back up to {$500.00}. I contacted XXXX XXXX and they informed me that Transunion sometimes pulls old reports. I contacted Transunion and the first reps phone was barely working, but he submitted my complaint. Then I received an email saying the issue was resolved, but nothing has changed on my credit score which has drastically gone down.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Consumer complaint received 2017-10-24
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. (VA)

I am making a formal complaint against Transunion. Since XXXX XXXX I have submitted written disputes for the following account XXXX XXXX XXXX Account # XXXX. In XXXX XXXX I mailed a dispute and called and spoke to a Customer Representative and asked him the gentleman what the status or the outcome of my dispute. He told me that Transunion never received my dispute or my documentation. I told him that I had received the green return receipt card with a stamped signature dated XXXX XXXX. The guy lied to my face because I told him I was looking at the card with the date and signature. I became furious because I had been lied to. I asked to speak to a native XXXX speaker because I felt there was a language barrier and a cultural barrier. I was then transferred to XXXX XXXX. She told me the same thing, that Transunion did not have any record of receiving my dispute. I told her that I had return receipt green card. She said that she would be able to take my dispute again and I told her that I would fax the information over. 

Now fast forward to XXXX XXXX. On XXXX XXXX, XXXX I mailed a new dispute to question the validity of XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX. On XXXX XXXX, XXXX I received a letter from Transunion asking me to confirm my address by sending in proof of address in the form of utility bill or pay stub etc. 

I find Transunion request to be incredulous because I have mailed in proof of address and identity months before and I strongly feel that Transunion is using stalling tactics and denying my rights under FCRA by " loosing or misplacing my requests or documents '' I have been lied to on more than one occasion. 

With the latest hacking breach that was suffered by XXXX I question the security and strength of all the credit bureaus to include Transunion. I do not have faith or confidence in companies like Transunion when they routinely lie, circumvent XXXX laws. 

Here is my information : XXXX XXXX XXXX XXXX Transunion File Number XXXX
Consumer complaint received 2024-10-14
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)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account ( XXXX XXXX XXXXXXXX account number XXXX )
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.
Consumer complaint received 2017-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

We took out student loans through XXXX XXXX XXXX. We were billed for all XXXX years, though my XXXX only attended for a few semesters. We have continued to pay, but the amount continues to increase and we are told different information each time we call. I do not feel this is being handled correctly and this is the same school that was closed due to fraudulent student loans. We have tried to resolve with navient, XXXX XXXX and XXXX XXXX as each of these companies have serviced the loans.
Consumer complaint received 2024-10-14
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)

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-13
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. (OH)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) : # XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXXXXXX  violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I discovered some unauthorized inquiries on my credit report today, and Im at a loss as to why. When I checked my report like usual, there were new discrepancies that popped up out of nowhere. I refreshed the page, thinking it might be a browser issue, but nothing changed. I am really frustrated and want this issue dealt with immediately by thoroughly reviewing my documents so I can avoid this kind of situation in the future.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

on Monday, XX/XX/XXXXi went to deposit a check into the wells fargo ATM. i went to the Wells Fargo ATM because a Wells Fargo bank teller told me that if i deposit a check into an ATM, the funds will be available immediately. after depositing the check, i checked my account to see if my funds were available and they were not. they were pending. i proceeded to call Wells Fargo customer service to ask why my funds are constantly put on hold when i deposit a check. they didnt help at all, they just told me the funds will be dispersed the next morning. This has happened every time i deposit a check. Wells Fargo also blamed the Federal Reserve and stated that they were still processing the transaction. i then proceeded to call the Federal Reserve to make sure. The Federal Reserve told me that it was all on Wells Fargo and it wasnt up to them. they then told me to file a complaint with this service. Wells Fargo has put a hold on my funds several times and that is not okay with me because i depend on those funds on that day and am now XXXX on how im going to XXXX today.
Consumer complaint received 2023-05-04
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. (MO)

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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (MI)

I thought I was consolidating my student loans to combine them to XXXX and make XXXX payment. But my account was sold to a third party XXXX of XXXX and I have been making payments of XXXX ever since. I was told by the third party that the XXXX} was being applied to my student loan and they would take care of my recertification every year. I received and email from my Loan provider saying they have not recevied a payment for my student in 2 years. I have tried contacting the third party company XXXX Equitable Acceptance Corporation XXXX but I have yet to receive a response. They also report to the credit bureau. I still have a balance of XXXX remaining with them.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NC)

XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OR)

On the US Bank mobile app, I selected the due date of Sunday, XX/XX/XXXX, as the payment date. The funds were withdrawn from my credit union bank account Mon, XX/XX/XXXX. US Bank charged me a {$45.00} late fee for the {$45.00} payment. It is nonsensical to me that US Bank 's app would allow me to select a payment date for an online payment where they know banks will not process payment.
Consumer complaint received 2017-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

I have asked Cavalry, repeatedly, in writing on XXXX 2017 and XXXX XXXX, 2017, to verify this debt ; including, the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) the date of which said debt was initially considered delinquent ; ( 4 ) Proof that you are licensed to collect debts in Illinois As of today, they have not provided me with the information requested. They have only sent a letter acknowledging my dispute.