davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Request your assistance due to redlining activities by Bank of America ( BOA ). XXXX XXXX XXXX XXXX lives in a largely XXXX community of XXXX California, has been trying to change her XXXX mortgage accounts to her estate since 2019. My mother recently passed away so I have been trying to do the same with BOA as her trustee with no avail. I have provided legal documentation that I am the trustee and the accounts have to be moved to the estate. I have received the same run around as my mother did and that BOA keeps losing the paperwork on numerous occasions. I believe BOA was hoping to take her properties away without notice and has been discriminatory in their actions.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report TO WHOM IT MAY CONCERN, I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score. The details of the inquiries in question are as follows : XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX  ( Bank ) - XX/XX/2023 XXXX  XXXX ( Bank ) - XX/XX/2023 XXXX XXXX XXXX ( Finance ) - XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) - XX/XX/2023 I have contacted your customer service department on multiple occasions regarding this matter. Despite my efforts to resolve this issue, there has been no satisfactory resolution. I have spoken to your representatives and even escalated the matter to a supervisor who assured me that the inquiries would be removed within 24 hours. Regrettably, this has not occurred, and the incorrect information remains on my credit report. 

The unauthorized credit inquiries have had a detrimental impact on my credit score, making it imperative that this matter be rectified promptly. I demand a thorough investigation into these inquiries and request the immediate removal of the unauthorized inquiries from my credit report. 

I understand that timely resolution of this dispute is crucial to maintaining the accuracy of my credit profile. I appreciate your prompt attention to this matter and look forward to a written response detailing the results of your investigation. 

Please provide me with written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saving that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXXXXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXXP Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Thank you for your time and help in this matter.
Consumer complaint received 2023-12-22
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-12-21
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. (TX)

I am writing to formally express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent and persistent efforts to rectify this issue, the inaccuracies persist, causing severe harm to my creditworthiness and financial well-being. 


There are multiple fraudulent items present on my credit report that are negatively impacting my credit profile. I have submitted dispute requests on numerous occasions, providing supporting documentation to confirm the fraudulent nature of these items. 

Despite my ongoing attempts to address this matter by following the established dispute procedures, the fraudulent items persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 
The presence of these inaccuracies has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct an urgent and thorough investigation into the fraudulent items on my credit file. Attached are copies of the supporting documentation that clearly demonstrate the unauthorized nature of these items. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will be promptly and permanently removed from my credit history. 

If this matter is not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I received a 41 days past due notification on my Credit Report for an account that was paid before the 30 days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand XXXX charges a {$15.00} ach return fee, XXXX retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was 41 days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was 41 days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the 41 days late payment removed from my credit report which I don't understand because my monthly payment was made before the 30 days late.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-22
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. (VA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (OR)

I never had a credit card and I keep getting denied. I have no credit and no one will give me a chance and I check my report n all I se is inquires as the reason why I can't have credit. Hint why there's so many inquiries
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MD)

For XXXX months now i've been trying to resolve a factual fraudulent goldmanSachs XXXX, XXXX. Escalating several times with GS XXXX representatives, as GS XXXX XXXX XXXX charge to my card and then taking it off XXXX times now, over XXXX months. when I try to escalate by requesting to speak with the actual security department or leadership all attempts fail and the XXXX reps simply reopen the same dispute the same way, as if previous disputes never happened. I now have XXXX different dispute numbers as it's the only thing the GS XXXX gatekeepers will permit to occur. This is after going through approximately XXXX reps each attempt to call or chat as the GS reps simply drop off or disconnect when I say that i want to speak with a security rep about the existing dispute closed. 
In addition, I've asked for the documentation proof for the reason in putting the charge back on my card. GS mails to me completely made up pieces of paper and fake invoices with erroneous details not relative to me, & false/invalid tracking numbers. As if there is no GS auditing dept, no actual GS staff ( humans ) reviewing disputes for quality control, no validating of the proof I submitted that it's a fraudulent transaction. Further there is clearly no one at GoldmanSachs validating anything they mail to customers via XXXX. XXXX mailings GoldmanSachs attempts to use as proof needed to continue to charge customers for fraudulent transactions, but is merely papers made up out of the twilight zone. This is beyond a reasonable doubt the most fraudulent process of handling XXXX disputes & needs to be escalated to not only GoldmanSachs, also XXXX and XXXX corporate.
Consumer complaint received 2023-12-22
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. (KY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (TN)

I did not authorize Automated Collections who is a debt collector access to my private medical information that is protected by HIPPA laws. According to Consumer law code USC 1681b, A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report. Automated Collections is in direct violation of my consumer rights. Also, Automated Collections previously paid the debt owed on my behalf on XX/XX/XXXX  according to my consumer report. This debt was previously removed and this FRAUDULENT company added it back to my consumer report. I am demanding this debt to be permanently removed from XXXX XXXX, XXXX, XXXX, and XXXX reporting agencies.
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (CT)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-22
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. (NY)

Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a fraud,
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-22
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)

On XX/XX/XXXX, I submitted 2 dispute2 with TransUnion. The first dispute regards an account with XXXX XXXX XXXX. That account was closed in XX/XX/XXXX. Given the fact that accounts can only remain on a credit report of 7 years after the date they are closed, I indicated that the account should no longer be reported. 

The second dispute regards an account with XXXX. The account information states that the estimated month and year that this item will be removed is XX/XX/XXXX. It's important to note that TransUnion selected that estimated date of removal. 18 months have elapsed since that date. 

On XX/XX/XXXX, TransUnion informed me that they had reviewed both complaints and that both accounts would remain on my credit report. They gave no explanation or justification for their decision.