davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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. (CA)

On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.
Consumer complaint received 2024-09-11
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. (TX)

Despite my previous attempts to resolve this issue, I have noticed that inaccurate information continues to be reported on my credit file by TransUnion, XXXX, and XXXX. This incorrect information remains unchanged, even after multiple disputes. The ongoing errors are not reflective of my actual financial situation and are negatively affecting my credit profile. I have attached detailed letters outlining the specific inaccuracies and providing evidence to support my claims. I kindly request that you thoroughly review the attached documentation and take immediate action to correct these errors, ensuring that my credit report is updated with accurate and truthful information.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am very upset with my banks customer service they didnt want to help me at a time that I needed them most I was at the drive thru and didnt have my debit card on me and have always heard from them that I can make a deposit without a debit card I called multiple times no one would assist me with this concern very bad service hold times and the. They dont help I was just sitting in my car not knowing what to do and my bank not wanting to help me shameful of them and I forgot my debit card pin I thought I could choose or reset it on their mobile banking app they would not help me this is not nice a check order to I requested they reimburse me since the way I was treated when placing the order they refused to transfer me to their check vendor XXXX XXXX horrible experience I ask that they call me immediately and go over my concerns with me Bofa call me immediately Im very upset with the way I have been treated and the service I have received
Consumer complaint received 2024-09-11
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. (TX)

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 2020-04-23
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. (GA)

I applied for an apartment and was denied due to a civil/ eviction on my credit. This account as paid in full and shouldnt have showed up. I then submit a dispute through rentgrow to XXXX and transunion rental department. XXXX  got the matter taken care of in a week and sent over an updated report to rent grow. Transunion on the other hand has not sent over anything. It had been over 30 days now. I have called every single day and Im being told I dont know when this will the dispute will be closed. I submitted supporting documentation the same day I submit the dispute so it should not take any additional amount of time. Everything was submitted on XXXX XXXX. I urgently need this matter to be taken care of so that I may get this apartment. Nobody can tell me anything except I dont know. Legally I know something is wrong here and it should not take this long.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

On XX/XX/XXXX, I called XXXX XXXX to request a declaration page for my insurance since I was trying to get a home loan. They told me that I do not have insurance XXXX. I called the mortgage company, and they said they had been paying XXXX XXXX since XXXX. They discovered they had paid the XXXX XXXX, but it was to the wrong policyholder and not mine. I am still determining who made the mistake, whether it was XXXX XXXX or my mortgage. First, I had to call the mortgage company for proof of those payments, and it took them a long time to fax that proof. Then, I had to ask the insurance company to respond regarding the money they received. At this time, I have been trying to obtain insurance for my condo, but the insurance wants to avoid it because it did not have insurance for an extended period. 
In addition, XXXX XXXX does not want to reinstate my policy because they sent a letter to my home even though they have been receiving payments from my mortgage. Last week, I called the mortgage company, and they told me they would call me back. They have not returned my call.
Consumer complaint received 2024-11-12
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. (GA)

I was a victim of ID theft and there is an account on my credit profile from XXXX, was determined to be fraudulent. I am attaching the letter from XXXX to remove this account from my credit file. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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. 

This company 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 2020-04-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My mortgage account was transferred from XXXX Admin to a new Servicing Company Shellpoint Mtg in XXXX of XXXX. I had previously had a bankruptcy in XXXX. I re-affirmed my account/mortgage with XXXX at the time of my bankruptcy. During the transition of my account from XXXX to ShellPoint the affirmation of my loan was not transferred over. I did not realize this until XXXX of this year when I was unable to access my account online and I called to see what the issue was. I was told that the affirmation was not on file but that they would resereach and get this transferred over. I have for the last 3 months been trying to get this taken care of with their loss mitigation department. I have emailed, called and told multiple times that they have the information and that access to my account would be restored, but I still can not access. on XX/XX/XXXX I called again and spoke with someone in the Loss Mitigation Dept. and upon research of my account was told that the final review regarding the Affirmation had not been performed and that was the issues. She assured me she would work on it and I would be able to access my account the following day. As of today, still no access. I have tried to call multiple times this morning but the call is dropped. My payments are current yet I can not access my account to see my escrow balance or make any inquiries to my balance, etc. This is also not being reported to the credit bureaus on behalf and is affecting my credit score.
Consumer complaint received 2024-09-11
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (CT)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-11
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. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX XXXX XXXX after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-11
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. (PA)

To my disbelief, I saw some incorrect accounts on my credit report today, and I honestly have no clue why theyre there. I routinely check my report, but these errors just showed up out of nowhere. I even refreshed my browser hoping it was some sort of technical issue, but no the inaccuracies remained. I really hope my documents are looked at closely so this never happens again because this is so troubling.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : 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 2023-08-10
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)

I am XXXX XXXX and I am submitting this complaint on my behalf. I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notify that these accounts were in dispute plus these accounts violate the fcra and fdcpa. These accounts must be deleted immediately.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-12
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. (MD)

" 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. 
"