davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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. (TN)

I have reached out to both the creditors and the credit reporting agencies telling them to verify and validate the debts for which I have been getting nothing but pushback. All of my disputes which make 7 disputes asked them to show the method of verification of how they are reporting this information. Nothing except that the information is coming back as verified. Someone is not doing their job or the method they are using to verify is very flawed. According to the FCRA, all information is to be 100 % across the board. EVERYTHING IS TO MATCH if it doesn't match or can't be verified then that item must be deleted. As a consumer, I should not have to point out the discrepancies when they are the ones who are reporting the errors. I have repeatedly submitted to them that the information is inaccurate and needs to be fixed, yet I get NOTHING BUT THIS ITEM BELONGS TO YOU AND HAS BEEN VERIFIED. I am baffled as to how the items I am disputing are being VERIFIED. I have been disputing the same items for the last 7 months and because of the inaccurate reporting and not doing their due diligence of making sure the items being reported on the consumer file are 100 % correct I am now living on the street with nowhere to go because no one will approve me for housing ; due to low scores. Something needs to be done and trying to correct this information after I have shown where the inaccuracies are coming from should not be an option. I have given the creditors and the CRAs enough time to get it RIGHT. I NEED THESE ITEMS DELETED. I will also be sending a certified letter to my ATTORNEY GENERAL -- XXXX XXXX which this information as well to see what he says about the matter
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit reporting act XXXXXXXX Account XXXXXXXX XXXX Account Number XXXXXXXX XXXXXXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX & XXXX Account Numbers XXXX 15 U. S. C 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (WI)

I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. 

Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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 2024-10-09
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. (MD)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (NV)

Someone from corporate needs to call me immediately my credit card was STOLEN and I have fraud charges on my account. I contacted fraud and let them know the charges were removed now the charges were placed back on my account!!!! This is unacceptable!!!!!!! SOMEONE NEEDS TO CALL ME NOW!!!!! THESE ARE FRAUD and not authorized!!!!!!!!!!! 

These charges need to be taken off immediately as my card was stolen! When I called I was Informed they denied my claim because in previous fraud case that had been used at a prior merchant in a fraud claim even though the case was considered fraud. I can not control that my card has been stolen before and used at places in XXXX XXXX how is that my issue? There is so many places you can use this card. I never did business with these merchants or XXXX either its fraud my card was stolen. So was a few others and they already resolved their fraud claims in my favor. Get these off my account! 

Someone needs to call me now!!! XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm filing this complaint myself about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I'm asking for your help to fix this quickly and effectively.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX  and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX  XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (MN)

On XX/XX/2023 I called Gurstel Law to accept a settlement that was offered to me in XXXX of 2023. I was told they could no longer settle the account because they started an active wage garnishment. I have two issues with this. 

I was never provided a summons by this company so I was unaware of any judgements against me. The company claims a summons was handed directly to me, this is not correct. I would like proof of delivery. 

I spoke with this company many times and was trying to negotiate a settlement. I offered {$1000.00} and was told the client XXXX XXXX refused to accept this offer. I was never once advised during my conversations with the company that my account was going to be submitted for garnishment if action wasn't taken. I had advised the company I had {$1000.00}, If I was properly advised the status of my account I would have figured out a way to come up with the extra money quicker. 

Since I was never properly informed of the intended action taken on this account, I was forced, or bullied, into paying the full balance plus an additional {$30.00} to wire transfer payment. This was the only way to prevent garnishments. It seems very deceptive that a settlement was available 2 weeks ago, but now there is no way for them to accept a settlement.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

I came down with XXXX XXXX and was unable to continue working my two jobs. I underwent a XXXX XXXXy, but luckily needed no further procedures. I had applied for a Deed in Lieu of Forclosure with Citi Mortgage back in XX/XX/2117. I submitted all of the necessary paperwork that was required of me, and moved out of the state, putting all of my possessions into storage in New York. Now, five months later I have been informed by Citi Mortgage that new paperwork is required because they changed their rules. I feel that I am being discriminated against based on a XXXX. Because I developed XXXX and was no longer able to work Citi Mortgage is making it impossible to continue with the Deed in Lieu of Forclosure. Since all my possessions are in storage in New York, I have no access to the paperwork.
Consumer complaint received 2023-04-20
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: HW Holding, Inc (PA)

In accordance to the fair credit reporting act of 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681 ( A ) ( 4 ). States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The persons XXXX XXXX XXXX are consumer reporting agencies and I am the Consume. That is federally protected, With birthrights to ensure that my private in personal information isn't shared without my authority which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Hunter Warfeild INC is a financial institution according to title 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. A consumer report may be furnished only when the consumer gives the credit reporting agency written instructions or permission to provide a report, Hunter Warfeild INC i.e the financial institution along with the consumer reporting agencies XXXX XXXX XXXX has never! Obtain permissible purpose from me the consumer to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, And Hunter Warfeild INC is hereby extinguish, rescind, revoke, cancel, abrogate, annul, nullify, discharge, and make void ab initio. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Hunter Warfeild INC have not informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I dont know exactly how it happened, but I tried to open a checking account and the bank on XX/XX/year> and told me that there were multiple consumers associated with my social I did a complaint to XXXX XXXX XXXX XXXX TransUnion
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MI)

I have gotten information back about my and the case number is Submitted a case the number is # XXXX got word back from appeal, case management specialist and told me about the matter of looking in to my transaction would need another complaint asking about a transaction of XXXX and XXXX a lump sum, from account, and would like them to give these account number that the payment came from and would want this information for having banking problems.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I am filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XX/XX/2023, to Experian. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation.On XX/XX/2023, I attempted to reach out with a letter to XXXX XXXX XXXX, regarding the inaccuracy and no valid documents for this debt. The letter was returned to me because their address they use to report to the credit reporting agency is inaccurate. On XX/XX/2023, I had sent my third validation dispute letter to Experian stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.
Consumer complaint received 2023-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OR)

I recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I was negatively affected by the Equifax data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want XXXX to pay XXXX to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay lifelock to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives XXXX at a time. Please stop these crooks XXXX XXXX, Equifax  and XXXX XXXX from charging the public to undo the harm to the average citizen 's credit they cause.
Consumer complaint received 2018-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I have an account listed on my credit record as sent to collections for non-payment. This is incorrect for several reasons. The account was open in XX/XX/XXXX at the XXXX college of XXXX two months after I opened the first loan in XX/XX/XXXX. The loan opened in XX/XX/XXXX, went into in school forbearance in XX/XX/XXXX, while the XX/XX/XXXX loan went supposedly into collections. I was never contacted by a debt collector to recover this amount of {$2700.00}. This is the only student loan that I am having an issue with even though it is not my oldest loan. I am currently in good standing with other loans. Ive contacted XXXX, XXXX XXXX XXXX, the federal student loan debt hotline, and everyone has stated that I am not nor have I ever been default on a student loan. When I disputed it, my credit file was updated to say I paid the account which is totally false I have not paid any student loans as I have recently completed my XXXX degree.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a complaint with TranUnion Consumer Solutions and XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this debt.