davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX CT XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately.

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity.

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-05-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I am currently in the process of a refinance on my 1st mortgage and Shellpoint Mortgage is my 2nd lien holder. They have been notified by my lender as of XX/XX/XXXX to send subordination instructions. Again on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. We have the correct contact person at Shellpoint Mrs. XXXX at XXXX XXXX, we have the correct email address XXXX but no one will call my lender for the simple subordination instructions. 

They have told us it will take 30 days after they receive the package from my lender but we can not send a package without instructions. 

I have spent too much time ( hours ) on hold over the last few weeks trying to assist my lender ( they have too ) and it's to the point I have to file a formal complaint.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I always make my payments on time. I'm confident about that. What confuses me is why this company is marking me as late on some months when that shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-09-10
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. (IN)

On XX/XX/year>, I submitted a dispute package to TransUnion regarding fraudulent accounts on my credit report. This package included : -A police report documenting the fraud. 
-Proof of identity ( government-issued ID, Social Security card , utility bill ). 

Under 15 U.S.C. 1681c-2, TransUnion is required to block fraudulent information within 4 business days of receiving proper documentation. Despite this, TransUnion has not blocked any of the fraudulent accounts. The online system currently indicates that the dispute will not be completed until XX/XX/year>, which is well beyond the legal timeframe. 

On XX/XX/year>, I spoke with a TransUnion agent who provided me with File # XXXX and informed me that my file had been updated to reflect the fraud. The agent indicated that I should expect updates by Friday, giving TransUnion a second opportunity to comply. While I appreciate this, the statutory 4-day rule under the FCRA still applies, and TransUnion is past the deadline.

Additionally, during this conversation, the agent falsely claimed that all disputes, including those related to fraud, follow a 30-day process for creditor verification. This is incorrect, as identity theft disputes have a 4-day blocking requirement by law. Their refusal to act within this timeframe and misrepresenting the process has caused delays, resulting in financial and reputational harm. 

I also notified TransUnion that I had an FTC Identity Theft Report ready if needed, but it has not yet been provided. 

I submitted everything required for the fraud investigation, including : -An SEC report.

-A request for GAAP-compliant verification of the disputed accounts.

-The police report documenting the fraud.

-Proof of identity ( government-issued ID, Social Security card , utility bill ).

Despite having these materials, TransUnion has failed to block the fraudulent accounts within the 4-day statutory timeframe, resulting in undue hardship and harm to my financial standing. 

Attached are the screenshots of the TransUnion Chat.
Consumer complaint received 2024-07-25
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)

Incorrect Information to be Removed : Names : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXX to be Listed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX unit XXXX, XXXX, FL XXXX Please review the information and make the necessary corrections to my credit report. Thank you.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (GA)

On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credence Resource Management , LLC. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement - On XX/XX/2020 I received a dispute investigation response stating that the " creditor '' verified the account as valid. 

Credence Resource Management , LLC is listed as the creditor for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit reports. Did they reach out to themselves and verify the account status? On XX/XX/2020 I also received an itemized document to verify the referenced account. On XX/XX/2020 I responded with a second attempt requesting proof of the account accuracy at which point I never received a response. 

Credence Resource Management , LLC changed the name and creditor reporting to XXXX  resulting in additional harm to my credit scores after my first certified mail request. 

I believe that Credence Resource Management , LLC is acting in bad faith by attempting to collect a debt that is unverifiable.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I hope this message finds you well. I am writing to express my concerns regarding The XXXX XXXX XXXX and XXXX XXXX automotive inquiries Despite my previous communications on this matter, I have not received an adequate resolution. 

I request that you review this situation and provide a response at your earliest convenience, as it is important to me that this issue is resolved promptly.

According to the law USC 1681 these inaccurate inquiries must be removed from my credit report Thank you for your attention to this matter.
Consumer complaint received 2024-07-25
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. (IL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not received 1099-C the LOC was closed and discharged profit and loss and sold to a 3rd party without my consent. Third party reached out via email demanding payment. BANKS play games. Customer doesnt know anything. Collections doesnt know anything.

9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS.

LII Uniform Commercial Code 9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS.

9-318. NO INTEREST RETAINED IN RIGHT TO PAYMENT THAT IS SOLD ; RIGHTS AND TITLE OF SELLER OF ACCOUNT OR CHATTEL PAPER WITH RESPECT TO CREDITORS AND PURCHASERS. 9-318. NO INTEREST RETAINED IN RIGHTS 5-108. Issuer 's Rights and Obligations LIIUniform Commercial Code 5-108. Issuer 's Rights and Obligations determined by the standard practice referred to in subsection ( e ), appears on its face strictly to comply with the terms and conditions of the letter of credit. Except as otherwise provided in Section 5-113 15 U.S. Code 1637 - Open end consumer credit plans he Uniform Consumer Credit Code ( UCCC ) is a draft law, adopted by 11 states, that governs consumer credit transactions. It establishes rules related to the issuance and use of all types of credit products from credit cards to mortgagesXXXX XXXX XXXX The Truth in Lending Act ( TILA ) and the CARD Act are the two major laws that govern credit cards. The Truth in Lending Act requires credit card companies to disclose the key terms of the credit card in the application. 

The Fair Credit Billing Act ( FCBA ) protects consumers against inaccurate or fraudulent credit card charges and other billing errors.XXXX XXXX XXXX No credit card shall be issued except in response to a request or application therefor. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. 
The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability.
Consumer complaint received 2020-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!
Consumer complaint received 2020-05-15
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: WELLS FARGO & COMPANY (FL)

I have a Wellsfargo account being reported to my XXXX credit file Ive contacted Wellsfargo and XXXX for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-21
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. (FL)

My information was included in a data breach please delete reported accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Transunion, XXXX. Disputes were filed on numerous dates.
Consumer complaint received 2024-09-10
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. (TX)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXX 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
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance CAS, LLC (FL)

I forgot to pay my HOA dues ( {$150.00} ) I thought I had, but apparently I did not, the HOA admin site was not user friendly. I guess that is why they just dropped them and we have a new HOA admin company starting in XXXX. 

I received a letter in the mail notifying me that it had been sent to collections. 
But somehow the debt ballooned from {$150.00} to {$900.00} due to various fees and costs such as " Initial letter '' for {$130.00}. 

I understand that I owe the {$150.00}, plus interest which they list as {$5.00}. I have no problem paying that. However the excess fees seem like a way to extort extra money while they threated me with a lien. 

I also don't know what that means if they file a lien against my house. They provided no explanation of what that means, but I don't know if they owe that to me or not. 

The fees being approximately 500 % of the debt is not right.
Consumer complaint received 2024-08-21
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. (MO)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2020-05-15
Product: Credit card or prepaid 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: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, I disputed a charge for XXXX from XXXX XXXX XXXX. Citibank immediately reversed the charge on that date. When I realized the charge was valid on XX/XX/XXXX, I went into the statement, selected that charge and asked to reverse the chargeback. When I did that, it took me to another screen and it said an error happened. And I noticed at that time that a disputed charge from XXXX of XXXX for XXXX appeared, but I took no other action. When I went into the statement again on XX/XX/XXXX to pay, the charge of XXXX was now part of my balance ( attached statement ). I immediately contacted Citibank and reported this. We spoke to XXXX who gave us a case number of XXXX and said it would have to be sent to their investigation unit and we should hear back within 7-10 business days. On XX/XX/XXXX, we still had not heard anything and the charge was not reversed, we contacted Citibank once again and spoke to someone else who said, after we explained what happened, that this is a KNOWN problem and it has happened to others before and that not to worry, it will get taken care of. On XX/XX/XXXX, we still had not heard anything and no changes had occurred to our account, we asked for a supervisor. We spoke to her and again she acknowledged on a recorded phone call that they are aware of this problem but they could not do anything about it. We asked to have it escalated to her manager. We received a phone call later that day from XXXX who said there was nothing that could be done. We have also contacted Costco since it's through them that we have our credit card. After numerous emails with them and phone calls, they determined they could not assist. We had a chat conversation again with Citibank on XX/XX/XXXX ( see attached ) where they said we would have to go back to the merchant since they could no longer do anything. This was their computer glitch error and we are not going to chase this money down that should not have been reversed. I hope you can assist. thank you.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.