davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

So I checked over my report and I noticed these accounts posting with all different dates balances, & amounts I seem to feel like this is very inaccuate and goes against some laws like the Fcra section 609. I contacted the creditors and bureaus regarding these inaccuracies after 3 months they still have not responded back to me about it I need to get this removed off my credit ASAP. 

Accounts : XXXXB / XXXX XXXX  Trans XXXX XXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX Trans / XXXX XXXX XXXX XXXX XXXX XXXX Trans / XXXX XXXX XXXXXXXX Trans / XXXX XXXXXXXX XXXX Trans XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Trans XXXX XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

This is regarding Experian and their methods/means to place, remove and confirm status of freeze on my credit report. 

For many years I have frozen my credit reports with XXXX XXXX, XXXX  and Experian. XXXX XXXX and XXXX provide on line methods or simple call in methods to confirm, place or lift freeze status on my credit report. 

Experian provides no such easy access on line for placing, removing or confirming freeze. There is a call in option, but, there is no method to confirm a freeze removal has been put into effect. Add to this, Experian provides no readily apparent phone number to call in and speak with a person if you are not a paying customer. 

My issue. 
Experian controls a major portion of my, yours and all others financial flexibility. Our credit report should be able to freeze and unfreeze, as well as find status of same, at a moments notice with no more effort than providing proof of identity. 

The other two services are not superior performers in this area either, but, their sites are able to allow alterations and confirm status of my credit report freeze.
Consumer complaint received 2021-10-12
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: EQUIFAX, INC. (MO)

I submitted mutiple times to Equifax a letter asking them to provide method of verification for a bankruptcy they are reporting on my account. Back in XXXX I sent them a copy of the letter I received from the the bankruptcy courts letting them know that they do not provide any information to the any CRA regarding bankruptcy. 

I again sent a letter to Equifax in XXXX asking them to provide the method used to verify that the bankruptcy they are reporting on my CRA is accurate. They sent me a dated XX/XX/21, which states that they verified the bankruptcy with XXXX XXXX as accurate and that if I have any furhter questions to contact the bankruptcy court in XXXX MO, which would be the incorrect court to contact in regards to a bankruptcy in my area. 

Again they either did not investiage this or they are just lying in thier response. As you know from the complaint I filed agains XXXX XXXX they stated that this bankrupcty was deleted from my record with them on XX/XX/21. If that is the case, then there is no way the Equifax verfied this account with XXXX XXXX, or recieeved the information for me to contact a court in XXXX MO from XXXX XXXX.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I mistakenly deposited a check made out the estate of my deceased Mother into my 360 Capital One personal checking account for {$3100.00}. Capital One flagged the deposit as fraud because it is a 3rd Party check and placed a lock onto my entire account preventing my family from paying our bills timely. After four different calls to Capital One and two visits to a local branch the issued me a Cashiers Check for {$35000.00}. However, they still refuse to release {$5600.00} of my money while they conduct an " investigation ''.
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: Experian Information Solutions Inc. (NE)

I am writing to dispute the following incorrect information that appears on my credit report. The account listed under CBS INC contain inaccuracies and violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. I am not acknowledging ownership of these debts, and my dispute is based on the legal violations and inaccuracies detailed below. Disputed Account : *CBS INC ( in the amount of {$670.00} ) 1. Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : * There is no permissible purpose for these accounts to be on my credit report. According to 15 U.S.C. 1681b, consumer reports can only be furnished under specific conditions, none of which apply to the accounts in question.

1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * Furnishers of information must ensure the accuracy of the information provided to consumer reporting agencies. The accounts in question contain inaccurate information that I have not authorized or recognized.

1. Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : * The FCRA provides me with the right to privacy and accuracy in the information reported. The accounts in question were reported without my knowledge or consent, violating my right to privacy.

1. Violation of 15 U.S.C. 1681g ( Disclosures to Consumers ) : * I was not notified in writing within five days of the accounts being reported, as required by 15 U.S.C. 1692g.

1. Violation of 15 U.S.C. 1692f ( 1 ) ( Unfair Practices ) : * These accounts involve unfair and abusive practices, including the addition of unauthorized amounts, violating the provisions of 15 U.S.C. 1692f ( 1 ).

1. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : * These accounts were reported without proper authorization under the Privacy Act, which governs the collection, maintenance, use, and dissemination of personal information by federal agencies. 

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( Validation of Debts ) : * Debt collectors must provide a validation notice within five days of the initial communication, detailing the amount of the debt, the name of the creditor, and the right to dispute the debt. Failure to provide this notice is a violation.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Our 2 family home is owned by 4 individuals with a Home Equity Loan of {$64000.00}. My wife and I owe {$20000.00} and my in-laws owe {$44000.00}. However the 3 credit bureaus report each of us owing {$64000.00}. This is not only misleading BUT inaccurate! When a bank, etc. 
checks our individual report it inaccurately appears as if we each owe {$64000.00}. Which in turn causes any of our individual applications to be denied. 
I have written to and filed disputes on the web sites of XXXX XXXX & Trans Union over the past years and HAVE NEVER RECEIVED A RPLY /EXPLANATION. 
I do not feel we are be treated fairly when a financial institution denies us, as individuals, because the 3 Credit Bureaus show us owing more than we do!!! 
Respectfully, XXXX XXXXXXXX XXXX  XXXX [ + other 3 owners, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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. (TN)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 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 Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Dedicated Credit Repair (CA)

Dedicated Credit Repair are misleading with when it comes to their results of disputing negative times on a person 's credit report. In my situation the company filed a dispute with XXXX. They alleged that I had a total of ( 11 ) negative items on my credit report and that they were able to remove ( 8 ) of those negative items. When in reality, I never had ANY negative items of my XXXX report! My FiCO score was well over XXXX. This was a lie and misleading. Additionally, they are charging excessive fees for work that has not been performed.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have numerous errors showing on my credit report. After reviewing it I sent Transunion a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Transunion has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I had a credit card with XXXX XXXX, i was never late and the card was what i used for travel for work. I reported a unk charge and i was told to call company and dispute it. I did, they told me four or five different things and refunded the XXXX $ then a week later took it back with no reason. In XXXX I opened a checking account with them to make it easier to pay bill and again safe to have one account for travel. My 1st depost was kicked back, they said I did not " depoist '' money in time, They told me they " fixed '' it and all was ok, they closed the old one and opened a new account for me. I set up a weekly wire transfer from my bank to XXXX  XXXX checking as well, While i was on the road for work I noticed on my XXXX account the wire transfers were getting retunrned and i was getting charged XXXX $ each time, I tried to stop it and was not able to - Then i noticed i was having trouble paying my XXXX  XXXX credit from my XXXX  XXXX account ... .So in order to keep it paid on time i paid from XXXX account. Then my credit card was put on hold for returned payments. When i called XXXX XXXX checking which I just found out were NOT the same company they told me THEY mixed up my account number and that was why. So we called Credit card side and they told me it was too late and took my credit card away I drove to an actiual XXXX  XXXX branch and showed them all of the paperwork. They said in XXXX they would look into getting if fixed - They have now put it on my credit report falsy and refuse to fix it or pay me the fees. This has now caused my credit to DROP and one of my others to be closed by the com [ any that issued it beacuse of this. They lied to me and took over XXXX from me and has cost me losing my credit
Consumer complaint received 2021-08-30
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. (IL)

I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.
Consumer complaint received 2021-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.
Consumer complaint received 2018-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

Purchased XXXX BTC for {$100.00} at XXXX/XXXX/2018 XXXX on Coinbase.com and initiated a transfer to another exchange moments later. It is now almost 24 hours later and still showing " pending ''. Coinbase is refusing to initiate transfer, as transaction still shows " XXXX '' confirmations. This means they have yet to submit it to the blockchain to get authorized on the bitcoin blockchain. 

I am not the only one with this issue. If you visit their XXXX page ( XXXX ) you will see hundreds of other people with the same issue. It is causing us to lose money, borderline fraudulent, and morally not correct.
Consumer complaint received 2021-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AZ)

Loan : XXXX PAYMENTS : We made 3 payments to HomePoint Financial in XXXX to get caught up on the forbearance payments, The balance should be {$2000.00} ( {$1000.00} balance due and the XXXX payment of {$1000.00} ) however three statements were sent in XXXX with a balance amount of {$4000.00}, {$3000.00}, {$2000.00}? HomePoint Financial needs to get it together. I want a statement reflective of the accurate balance of {$2000.00}. We are paying XXXX in XXXX and expect a zero balance statement. 

{$4000.00} balance XXXX {$1000.00} payment XXXX {$1000.00} payment XXXX {$1000.00} payment ESCROWS : The escrow balance was negative - {$1500.00} and mortgage payment is going up {$300.00} as a result in XXXX. A subsequent escrow statement sent XX/XX/XXXX reflect a XXXX with a mortage payment increase of {$430.00}. Both escrow statements are listing both insurance policies in the amount of {$1300.00} however when we called HomePoint on XX/XX/XXXX they stated a payment was made on XX/XX/XXXX to XXXX in the amount of {$780.00} for our property insurance which they have listed as Wind & Hail. On XX/XX/XXXX they paid XXXX XXXX XXXX {$1300.00} which they have listed as our property insurance but in fact its our Wind & Hail insurance. Last year, HomePoint Financial sent a check to XXXX XXXX XXXX XXXX XXXX, an unknown company that has no relation to XXXX or XXXX XXXX XXXX in the amount of {$1300.00}. They told us to call the XXXX  XXXX XXXX XXXX when they made the mistake to inquire on a refund. 

Homepoint said this was a clerical error made at origination. I need an explanation on where that payment is? Was a refund or stop payment placed on the payment that was made to the unknow company? Were those funds applied back to the loan? We refinanced this account a year ago and there should not be a negative amount or such a huge discrepancy. Additionally, knowing you paid {$780.00} and {$1300.00} why would you have them both listed at {$1300.00} for the XXXX escrow statement. If this is a result of your mistake then your company needs to own up to it. I have an email attached that was sent to HomePoint Financial requesting research be conducted on this insurance issue under RESPA and received no response. 

CFPB needs to look into HomePoint Financial practices of escrows, payment application, forbearance payments, modifications without notifications. We are also pending a response on the Deceptive and Abusive practices of increasing payments and interest rates without borrower notification. This company should be investigated.
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (WA)

The account is under XXXX XXXX who is the collection agency but the original creditor is XXXX XXXX. I disputed this debt twice with Experian only for them to just update that it was verified but not providing me any other information. The amount XXXX XXXX ( see attached statement the rep showed me ) is a different amount that was is being reported. I don't even know of what the charges are for. I reached out directly on XX/XX/21 to XXXX XXXX to try to obtain a copy of the original agreement and itemized bill so I could see what what the charges are, if my insurance covered and what late fees they charged and what I may be responsible for. XXXX XXXX was recently involved in a class action settlement ( will attach email sent to me XXXX that they overcharged patients late fees. I wanted to take a look at the statement because I know there will need to be an adjustment to what I was charged. While on the phone with the representative at XXXX XXXX, he was very rude and said he could not provide me any information and I would need to talk to XXXX XXXX and before I could say anything he immediately ended the call. I was transferred to XXXX XXXX where I spoke with a representative, XXXX, who said he would try to locate the itemized bill to send to me but if XXXX XXXX wouldn't provide it how would he? My biggest issue is I was never notified of this debt properly. The amount being report is different from what XXXX XXXX is saying I owe. He gave me information to log in to see what they are reporting. Again, the original creditor, XXXX XXXX, would not even provide me with the copies of the bill with a breakdown of services and contract to properly validate this debt and I was a direct patient of theirs. I was never provided notice of this collection account which is directly violation of my FCRA and HIPAA rights. Experian is reporting this account as accurate and validated when the original creditor wont even provide me with any copies of anything. I am planning to sue them and furthermore this is just very frustrating and disappointing when I have been able to successfully have this removed from the other two credit bureaus for this same reason of not being able to properly verify that this is my debt the correct amounts, etc.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (NY)

At XXXX on the XXXX of XXXX, 2015, I received a call from a collector from Barclays Bank representing Barclaycard . The phone number that they call from was ( XXXX ) XXXX. I told the lady she was calling before XXXX eastern standard time, she hung up. I called back and the man I.D number XXXX claim that the lady that called me was I.D XXXX, and they were located in the XXXX.
Consumer complaint received 2024-09-05
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 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

On XX/XX/2021 I contacted Quicken Loans about obtaining a mortgage loan for a house I had just gotten under contract with ; XXXX XXXX XXXX, XXXX XXXX, NC XXXX. On the advice of my real estate agent, XXXX XXXX, I specifically asked how quickly an appraisal could be ordered and when we would have the report by to ensure we would have it prior to our due diligence period ending on XX/XX/XXXX. I was assured by XXXX XXXX that the appraisal would take place on XX/XX/XXXX and the report would be returned to me no later than XX/XX/XXXX. Over several phone calls to XXXX, and XXXX XXXX before and after XX/XX/XXXX, we were assured that the appraisal had been conducted and that Quicken Loans was urgently working to obtain the report and give it to us. After the due diligence period ended on XX/XX/XXXX my real estate agent and I continued to follow up with our points of contact at Quicken Loans and on XX/XX/XXXX were informed that the appraisal never happened and there was no report to send to us. The original closing date for this sale was XX/XX/XXXX. Quicken Loans was aware of this starting on XX/XX/XXXX. During this time they provided many assurances via phone and email to myself and my real estate agent that they were " urgently working '' to resolve this issue and addressing this with management at Quicken Loans and the Appraisal Management Company. To date I have seen no evidence to prove anything has actually been done to honor the original closing date, or expedite a new closing date.