davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-30
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX  XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

I have a Citi credit card that has a balance consisting of two balance transfers- one at 0.00 % ( {$2400.00} ) and another at 0.99 % ( {$6400.00} ). The balance transfer at 0.00 % was set to expire on XX/XX/2023, at which time the rate would increase to 24.99 %. I made a payment for the full amount of that balance transfer 's remaining balance ( {$2400.00} ) on XX/XX/2023. My statement then cut off on XX/XX/2023. Citi applied all of my XX/XX/2023 payment to the balance transfer balance with the 0.99 % rate because they pay down the higher interest rate balance first ( to benefit the consumer? ). That not only resulted in my expiring balance transfer balance jumping to 24.99 %, but it paid down the other balance transfer balance that I just gotten in XX/XX/2023 and paid a fee to obtain. I have reached out to Citi via chat on multiple occasions. The first was to ask if my payment can be reapplied to the expiring balance transfer. The option to have a payment reapplied is in Citi 's Help FAQs and I went that route, but I received a letter in the mail days later saying that request was denied. I then chatted with a representative asking if I could get an understanding of why it was denied and was given a copy of the payment processing order. I explained the situation and was again denied. I then chatted with a " supervisor '' who approved me getting a refund of {$2300.00} ( to make sure what was paid covers the minimum payment ) credited back to my bank account. This was I could make the payment and have it applied now to this high-rate balance. I was told the refund would go right to my bank account. Now 7-10 days later, I check and still no refund. I chatted with Citi again only to be told that the refund was denied. I explained that I am paying over {$50.00} a month in interest because I paid off my balance transfer on time and had I paid it 1-2 days later, I would not be being charged all of this interest. I was told he would try to get it refunded again, but I expressed my concern for the payment application practice and their unwillingness to work with consumers as I feel that the balance transfer policy, expiration dates, statement dates, and payment application practices are misleading and harmful to consumers. I continue to be charged interest at a very high rate until I can pay that off and in the meantime I am not getting the benefit of the low-rate balance transfer that was offered to me ( which again, I paid a fee to obtain ).
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX  XXXX Bankruptcy Docket XXXX & XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I went to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida. I spoke to the Deputy Clerk to follow up on a request that I sent them, requesting information on their process for reporting/verifying bankruptcy records. At that time they confirmed that they do not report nor verify to 3rd parties. I asked to get that in writing and I was provided with 2 letters ( 1 for each record ) which I provided. 
/ Then on XX/XX/2023 I received 2 letters ( attached ) in the mail from XXXX ( dated XX/XX/2023 ) which both stated that they have removed the items from their files. In those letters they also stated that they reached out to XXXX and the other referenced XXXX to have them delete them as well. 
/ The following Monday, I contacted XXXX to confirm and asked them if they actually reached out to XXXX and XXXX and they replied that if they had not, I would not have received the letters. 
/ The same day I reached out to XXXX to follow up and was hung up on 3 separate times whenever I mentioned the letters. 
/ I also contacted XXXX and one of their reps denied any affiliation to XXXX.
Consumer complaint received 2024-10-14
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-07-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (GA)

CACi sent me a collection letter via email, found in my spam folder on XX/XX/2023 with limited information about a debt. The email was dated XX/XX/2023 and stated I had until XX/XX/2023 to dispute the account and request verification and validation of the debt. Per the letter from CACi, I could dispute the account online. I responded to CACi on XX/XX/2023 via the online dispute email address they provided, one day after I found the email. I received notification from XXXX XXXX that CACi added the collection to my XXXX report between XX/XX/2023 and XXXX, XXXX 2023. They never responded to my request. I have never received any communication from CACi via USPS, before or after I disputed the account. 

Per the CACi letter : From : XXXX Date : Fri, XX/XX/2023 at XXXXXXXX XXXX Subject : RE : Your XXXX XXXX XXXX XXXX  account, # XXXX To : XXXX XXXX How can you dispute the debt? 
Call or write to us by XX/XX/2023 to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/2023, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at XXXX. ''
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX 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. 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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had my personal debit card/checking account from XXXX XXXX linked to my capital one credit card account to make payments. Capital one erased my checking account info from XXXX XXXX, after I have had payments go through for over 6 months effectively. I have called both capital one and XXXX XXXX, capital one told me I had to go into XXXX XXXX to get a letterhead letter faxed to Capitol one containing my routing number, account number and XXXX XXXX  representative, this was obtained and faxed to Capital one on XX/XX/XXXX. I have not heard anything from them, and still when I try it wont re-link my account to make a payment. I have called them numerous times, and spoke to an employee XXXX employee ID # XXXX on XX/XX/XXXX, she informed me she would be calling me the following day as the department needed was not in, however I never got a call from her as discussed at XXXX. So I called again and spoke to XXXX XXXX ID number XXXX who told me he would email her since he can not connect me to a supervisor in that department. This is ridiculous and no one is able to help me, it was linked before with payments and now they wont add it back and XXXX cant make payments with a payment due XX/XX/XXXX. Please help me get my account set up this has been on going now for XXXX weeks and is not acceptable, and wrong of the capital one employees for making me do all this work and not even call me back? This is wasting my time when it shouldnt be at all.
Consumer complaint received 2017-11-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (CA)

Allied Interstate called multiple times a day but would not disclose the nature of the call or refuse to let me know the purpose of the call. They asked for the owner of the company and have they done their research, we are a corporation with a parent company in XXXX. 

These people will not stop calling and was really pushy after repeatedly being asked for details of the call.
Consumer complaint received 2023-08-15
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. (KS)

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.

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 informationisinaccurate.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (TX)

Someone opened an account onXX/XX/2018 and I have made a police report because i did not open this account. i need it to be closed. i have not authorized anyone to open any accounts.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

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

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

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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. (NE)

This involves XXXX, TU and XXXX. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.
Consumer complaint received 2023-07-17
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. (MI)

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.

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 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " XXXX  XXXX XXXX '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. XXXX XXXX XXXXBalance : {$0.00}, CAPITAL XXXX XXXX Balance : {$0.00}, CAPITAL XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Its taken 2 years and probably 24 full hours of run around from new rez mortgage company to get our PMI removed. 

They sent an unqualified agent to do the appraisal after the value went up almost 34 % in the market here. We added $ XXXX worth of tangible upgrades and she appraised us for less than what the property and home was appraised for at the time of our closing. Were apparently the only new construction property in XXXX  Florida that lost value during Covid? Ha! 

They have no intention of removing the PMI despite valid comps. They wont let us have an independent assessment done- they said it wouldnt count in their decision. 

We signed off on approval to pay for their choice of agent to come out and instead just received a denial letter - the reason being we werent willing to have the appraisal done- despite paperwork on file that they acknowledged receipt of stating otherwise. 

Im ready to give up. This is just theft by New Rez Mortgage Company at this point.