davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (CA)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AS)

I noticed several inaccuracies on my account after reviewing a copy of my credit report. This account is hurting my ability to obtain credit. I understand you will investigate these items for me to ensure their accuracy. I request that you examine and verify the following items in the account below as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

Every year in XXXX ( for XXXX, XXXX and XXXX ), New Rez LLC has issued a notice saying that there is a surplus in my Escrow account and they ask how I would like to have the surplus returned to me. Every year I request a refund check. The check never arrives, but the surplus payment is deducted from my escrow account. 
Every year I call and am told a different story such as : it was credited directly to my bank account ( when it wasn't ), or I need to wait a few more days. 
In XXXX I did not receive a check until XXXX ( after chasing numerous times ) - well outside the 30 day period for returning the money. 
In XXXX I did not receive the check until XXXX ( after chasing numerous times ) - again well outside the 30 days. 
In XXXX it shows the surplus as deducted from my Escrow account in XXXX but I have once again received no check. I can not get through to them on the phone in a reasonable amount of time this year to chase my refund. 
It appears they intentionally do not mail the refund checks, on the assumption that people will not notice, and if anyone does notice, they simply mail a check to them there and then. Additionally, it is almost impossible to reach anyone to speak to about this, so it's a deterrent for anyone trying to follow up. 
I have further details - dates, amounts and paperwork, etc. to back all of this up. 
This needs to be investigated as not returning {$100.00} or {$200.00} to one customer is a very small amount, but would add up to hundreds of thousands/millions if they do it to every customer, which they probably do.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. "
Consumer complaint received 2023-10-28
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. (FL)

This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX  XXXX account ( XXXX ) # XXXX and the other account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-07-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (VA)

I have XXXX accounts with upstart. XXXX is 3 months late. Upstart cancelled my auto payments, I haven't been able to access the account as the email address associated with it, I no longer have access. I have reached out to upstart to schedule a meeting when I can talk with a supervisor, but they won't schedule an meeting. Instead, despite me telling them I work and can't just randomly take phone calls, they continue to ignore my meeting requests and instead just call me whenever which is always when I am at work. They won't help me gain access to my account. When I talk them to request a payment plan that will get me caught up to speed, I am told tough luck.
Consumer complaint received 2024-07-08
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)

I am writing to formally dispute late payment remarks appearing on my credit report. 
Please investigate and remove these remarks promptly. 

Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, II have been trying to get into homes that does a tenant residency score. I have contacted transunion four different times about my residency score. I have revolving credit. My credit score is currently above a 660. I've paid off creditors with letters to support the debt was corrected. I feel that transunion is hindering me from getting into these homes. 
I also feel Transunion is giving old reports to the landlords inwhich I get denied for the property. I have no criminal background or evictions. 
I've reached out to Transunion but is getting nowhere. I ask to speak to a supervisor. They keep saying there is no supervisor at the time and will send them a message. The supervisor is supposed to contact me within 24hours and never do. Te representative then prtends e is a problem with the phone connection and the phone will go dead or busy.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

0n XX/XX/year> I received letter in the mail from XXXX XXXX XXXX stating they denied me for auto refi, I never applied or gave this company authorization consent to run my credit, this prompted me to look at my credit report to my surprise I saw 3 other agencies that ran my credit report FRAUDULENT without my authorization consent all 4 inquiries are hard inquiries. I have no knowledge about these finance companies nor did I authorize or give verbal or written consented. Remove these Fraudulent companies and their hard inquiries from my credit report. 
Transunion File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Fraud Thank you for your attention to this matter!
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NE)

In XX/XX/XXXX, I was in incarcerated and was released XX/XX/XXXX. During the time period I was in, my Chime debit and XXXX XXXX cards were used by whoever cleaned my apartment. When I was released, I contacted Chime right away and filed a dispute of the charges. Even with the proof of my incarceration, Chime denied the dispute. 

Last month, I refiled the dispute and again Chime denied it. I rebutted and finally got the dispute approved. 

After numerous attempts to get the funds back, Chime refused to refund the money due to my account closure from being overdrawn. The disputed amount was more than the overdraft and Chime deducted that amount when the dispute was settled. 

It is frustrating that this institution is openly telling me that they are to keep my money and there is nothing they can do for me. Thieves!
Consumer complaint received 2024-07-05
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

CREDIT BUREAUS XXXX, TRANSUNION, XXXX XXXX, XXXX AR violating my consumer rights under FCRA law. I am a victim of identity theft and fraud, and have filed numerous disputes, as well as sent them a report from a Law Enforcement Agency ( FTC Identity Theft Report ). There is a fraudulent XXXX installment loan that does not belong to me, is completely unauthorized by me. They received a certified letter from me on the XXXX of XX/XX/year>, attached to this complaint, stating my rights under FCRA law and my right to exercise them ; to which they have ignored and stalled and blatantly refused to comply with.
Consumer complaint received 2024-07-05
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. (MI)

I am writing to dispute the inaccurate information regarding my XXXX XXXX account ( Account Number : XXXX ) on my credit report. Specifically, I have identified inconsistencies in the payment history reported by the three major credit reporting agencies. 
Discrepancies : * XXXX has reported the account as charged off. 
* XXXX has reported the same account and time period as paid as agreed. 
These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. 
Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of the information they report. Additionally, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Given the conflicting information between XXXX and XXXX regarding the status of my XXXX XXXX account, it is evident that the information being reported can not be verified as accurate. 
Therefore, I request the immediate deletion of this account from my credit report to ensure compliance with FCRA guidelines and to prevent further harm to my creditworthiness and financial reputation. 


Enclosed are copies of my credit reports from XXXX and XXXX highlighting the discrepancies in the reporting of the XXXX XXXX account.
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 got into the hands of the wrong person.
Consumer complaint received 2024-07-05
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TN)

I have been dealing with an issue for XXXX months with my power up rewards credit card. I can use it in store but cant make purchases online. Ive called, gone in store, spoke with the bank, and been passed around more times than I can count. Every time I call I get passed back and forth and end up back with XXXX customer support and then they put in a ticket and say it will take XXXX days. The previous XXXX times I received no confirmation my tickets were placed and the last time I was in the store with an associate when they gave me the run around and heard them say were putting in a ticket. Never have received any resolution and still can not use it for online orders. I've spoke with XXXX and they have offered no help and continue to tell m to call XXXX and the credit has all holds released, when I call XXXX they tell me they are working with XXXX to get a hold removed. They also charge me {$2.00} a month if I don't use the card so I can not allow the card to close itself without affecting my credit. I have asked what the delay is and they can not provide and answer. i asked If i could speak to the person working on this issue and they say they do not have a phone number. I asked how this will take and they do not have an answer. I've asked what steps they are taking to get this resolved and they have no answer.
Consumer complaint received 2024-07-05
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. (NV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX
Consumer complaint received 2024-07-05
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. (TN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>