davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2024-09-09
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. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 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 2021-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (IL)

Attempted to open an account with Synchrony Bank to purchase a bed from XXXX XXXX beds at 0 % interest. After 45 minutes of confirming identity via video and photo uploads and various personal information ; the bank denied the ability to open the account based on XXXX  not having my correct information. This I know to be untrue. I just recently had my credit checked for a multi-million dollar loan. All went fine with that. Shocking that a {$2800.00} credit card was denied. So shocking that it seems to me there is malice afoot. 

Clearly, this bank either isn't well run OR is running a fraudulent operation to gain consumer data. Either way an investigation is needed. 

Please let me know what information you need from me to pursue this investigation. Happy to help. 

Thanks, XXXX
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (LA)

I received about XXXX in my account from unemployment, Louisiana Workforce Commission. Chime then froze my account with about XXXX left in there. Stating I broke an agreement. I contacted them and stayed if I broke an agreement send my money back to Louisiana Workforce, which they claimed was done. I spoke with Louisiana Workforce and they stated it was never done. So now chime bank believes they should keep my taxes money I never received. I sent them a copy of my I'd, a selfie, birth certificate and my paper work from unemployment. They are still trying to keep my money.
Consumer complaint received 2021-08-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP (ND)

So the very first stimulus check of XXXX dollars I deposited into my bank account on XX/XX/2020. I have proof of bank statements showing that it stayed in my account until XX/XX/XXXX when this debt collection agency law firm " XXXX XXXX '' took that money out of my bank account. I recently just faxed them a statement and the deposit slip and the actual check showing proof for when I made the deposit into the bank account on XX/XX/XXXX. I requested them to refund me 100 % of the XXXX dollars because they violated the FDCPA. That money was protected from being taken by a debt collector. If they do not return my money they are committing a severe violation of the FDCPA. This is the first time that I'm requesting a return of my money from them. I was not aware previous to this that the money was indeed protected. I am anticipating they push back because every experience with this law firm so far has been push back and never willing to work with me on any payment plans or anything of the sort. 

Because they took my money illegally, I was not able to make important auto repairs ( because could not afford it ) which then led to a severe car breakdown and I no longer am able to drive that car. I may have some recourse in small claims court regarding that? 

Is it possible someone can send a reminder call to the Rodenburg Law Firm that they need to abide by the FDCPA and send me back my XXXX dollars immediately?
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

I have two properties that were sold from one mortgage lender to another. In XXXX of XXXX XXXX XXXX sold our loan to AmeriHome Mortgage Lending. Unfortunately, this transfer was not communicated to us in a timely fashion. We continued to be invoiced by Planet after the " sale '' date, so we continued to make payments on both properties ( additional {$5000.00} for one ). We made XX/XX/XXXX payments to Planet not knowing that the loan was sold to AmeriHome. Planet Mortgage readily agrees that the payments were made and we have documentation that they received these payments. AmeriHome continues to state that they have no record of these payments that were made. We paid ( AGAIN ) XXXX payments to AmeriHome so that our credit would not be affected. In summary, there were TWO additional XXXX payments made on these properties and no one can tell us where those payments are. We certainly have not received credit for them. I have another account number for the other property that I can submit later.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

I paid for a security deposit for a place I thought I was going to be renting but found out the person was a scammer. So I filed a complaint with my bank and gave all neccassary documents supporting the claim and was still denied several times
Consumer complaint received 2024-09-09
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)

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

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

I demand the late payment reported in those account to be removed.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2021-03-15
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. (OH)

I am a victim of identity theft, I have provided proof of such to all 3 credit reporting agencies as well as XXXX XXXX. At on point I had three different collection agencies all trying to collect the same debt for XXXX XXXX, and its not even mine!! This account was removed from my credit once but is now back on it!! I have taken every step required of me to settle this yet it still keeps popping back up! What AM i SUPPOSED TO DO? This keeps reapperaing and doing damage to my credit that I'm trying to rebuild after the ID theft. Please help!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Several years ago, my car was broken into, and my purse and wallet, which contained my credit cards, Social Security card, ID, and other important documents, were stolen. Despite reporting this incident to all credit bureaus, the stolen information continues to appear as verified on my credit report.
Consumer complaint received 2024-08-30
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XX/XX/year>
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc. (AL)

The collector is National Credit Systems and they are reporting negative information that should have been discharged in bankruptcy and it is adversely affecting my credit score in being able to secure a mortgage for a house this year and I think that they need to delete this information immediately or I will get my bankruptcy lawyer to seek punitive damages in a defamation lawsuit because of the negative information being reported inaccurately to XXXX Credit Bureau. There is a right of stay for a reason and they have broken the right of stay and I will seek legal damages if they do not correct it and DELETE THIS INFORMATION IMMEDIATELY.
Consumer complaint received 2021-03-15
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. (FL)

I have contacted Trans Union, XXXX  and XXXX  to report 2 accounts that do not belong to me and also hard inquiries. 

On my Trans Union report : XXXX this has been reporting for years was open fraudulently by i believe a relatives that move to Texas. Also XXXX XXXX this account does not belong to me and has been reporting for years. Also these hard inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my XXXX  Report : The same two companies, XXXX and XXXX XXXX and also these Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX 

On my XXXX Report : They recently removed XXXX but ignore my request to remove XXXX. Also these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope you have better luck then me seeing that i have trying to get these fixed for going two years now.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. SECTION 611 ( a ) IT IS PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 60 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing a complaint because I have constantly reached out to your company asking for these accounts to be checked and investigated as these are reporting inaccurately on my report and it has negatively affected my credit scores and my overall daily life.
Consumer complaint received 2024-09-09
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. (SC)

" 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 15 U.S.C. 1681n, 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 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I have been trying to go into my XXXX XXXX  and XXXX XXXX accounts to see my credit score it shows a score. but doesn ; 't show the details such as how much i owe on a specific card or the usage on it. Was hoping this can be fixed with transunionXXXX XXXX XXXX and updated so i can better understand what I owe and pay everyone up.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I entered into Dovenmuehles forbearance process in XXXX. I was told that there would be no penalties and that payment would be deferred to the back of my loan. They told me my mortgage would go from 30 years to 30 years and 3 months. 

The loss mitigation time was supposed to be for XXXX, XXXX, and XX/XX/XXXX only. Dovenmuehle extended the forbearance through XX/XX/XXXX without my consent. I attempted to get out of forbearance without success. I could not make payments online. I had to call their loss mitigation department and they charged additional fees for my bill. After the 6 months was over I had called Dovenmuehle multiple times. They told me I just needed to wait. I made 3 payment a of {$1800.00}. 

I filed a complaint with the XXXX XXXX XXXX and Dovenmuehle finally moved me out of loss mitigation. Dovenmuehle stated I only needed to sign paperwork and send it back to them. I received two documents from Dovenmuehle both stating I was being removed from forbearance. Yet neither of these documents had anything for me to sign or return to them.

I sold my house and close on it tomorrow XX/XX/XXXX. Today XX/XX/XXXX I found out that Dovenmuehle put a lien on my house for {$13000.00}. 

I bought my house for {$220000.00} and I currently owe {$220000.00}. However, my closing statement with the lien was for {$230000.00}.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (AR)

Today, I tried to turn on the electricity in my new apartment as I am moving tomorrow. I was informed I needed to call Experian that there is an issue with my social security number. I called Experian, they would not tell me what the issue is only that it would take 3 to 5 business days and they their database was wrong. They refused to escalate the issue. I explained that I have passed a credit check for credit cards, for the new apartment and I am now being denied simply electricity? I was on hold for 36 minutes waiting for a supervisor only to be told that a supervisor isnt available. I would get a call back within 24 hours.

Experian service and customer care is deplorable. Now I get to be homeless until they decide what cases need escalation or what cases dont? That is indecent and inhuman. Perhaps they need additional training and treat each case like it was their own mother 's case. 

I am disgusted!!