davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I provided all three credit bureaus on XX/XX/year> ( Transunion, XXXX, and XXXX ) to remove the name, addresses and employment that are reporting on my credit report is incorrect and needs to be updated with correct name, address and employment. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS.
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX on my credit report with Transunion. In addition, on XX/XX/2019 I submitted via certified mail a notarized FTC report, police reports and a personal statement that highlighted a fraudulant/inaccurate address of XXXX XXXX XXXX on my credit report with Transunion. The addresses in question are still reporting under my name and social via my personal credit profile.
Consumer complaint received 2024-06-04
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. (DE)

Upon reviewing my credit report, I discovered several inaccuracies. The three Credit Bureaus are required to verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to consider these accounts as unverified without providing proof within the legally mandated time frame. 
XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$550.00}
Consumer complaint received 2023-02-24
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the credit information that [ Credit Bureau Name ] has reported on my credit report. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXXXXXX charge off account XXXX XXXX Charge Off account XXXX XXXX Charge Off account I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Equal Credit Opportunity Act ( ECOA ). Under these laws, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities. 

Therefore, I request that [ Credit Bureau Name ] investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete. 

In support of my dispute, I have enclosed any evidence I have that demonstrates that the information on my credit report is inaccurate. This evidence may include payment records, bank statements, or any other documentation that supports my claim. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have unauthorized inquiries and credit on my credit report that has nothing to do with me.I have done a XXXX report and I feel as if i am being taken advantage of from XXXX, Equifax and XXXX.
Consumer complaint received 2024-06-03
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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX statement confirms {$120.00}. Adjustment Purchase Temporary Credit NOT MADE PERMANET to BEGIN INVESTIGATION. ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX ON XXXX. A NEW PURCHASE {$120.00}. ON XXXX. Kindly Note XX/XX/XXXX statement attatched XXXX XXXX REFUND {$120.00} XX/XX/XXXX Kindly Note USAA REVERSED MERCHANTS CREDIT {$120.00} XX/XX/XXXX see attatched XX/XX/XXXX statement. On XX/XX/XXXX USAA Adjustment Purchase {$210.00} Temporary NOT MADE PERMANET CREDIT TO BEGIN INVESTIGATION ON WHAT WAS. REFUNDED BY MERCHANT see attatched XX/XX/XXXX statement XXXX XX/XX/XXXX On XXXX USAA REVERSED MERCHANTS CREDITS OF {$210.00} see attatched XX/XX/XXXX statement Adjustment Purchases XXXX {$110.00} Temporary. Credit NOT MADE PERMANET ON WHAT WAS REFUNDED BY MERCHANT XX/XX/XXXX & On XX/XX/XXXX USAA POSTS A NEW PURCHASE {$110.00} see XX/XX/XXXX statement USAA REVERSES STEALS MERCHANTS CREDITS.!!!!! See attatched XXXX XX/XX/XXXX ADjustment Purchases ALREADY PAID BY MERCHANTS see XX/XX/XXXX Statement REFUNDED {$12.00} THIS IS REVERSED XX/XX/XXXX. & {$26.00} {$9.00} ALL THESE MERCHANTS REFUNDS OF XX/XX/XXXX ARE REVERSED STOLEN BY USAA ON XX/XX/XXXX, XXXX see XX/XX/XXXX Statement. USAA ARE CROOKS
Consumer complaint received 2019-04-24
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. (OK)

XXXX  ; Experian and XXXX are reporting duplicate entries on my credit report for the XXXX partial account number XXXX in the amount of {$2700.00}. ( Please see page 2 of the attached credit report. ) This incorrect reporting is harming my credit score.
Consumer complaint received 2024-06-03
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. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (UT)

I was shopping around for a refinance company, and Loan Depot called me. We discussed the process and the representative kept asking if he had my full commitment. He already had the numbers and was very pushy throughout this very long phone call. I asked if I could continue looking. The representative said of course I could however I would not find the same rates. They also said it would take 30-45 days for closing. 

After doing more research on Loan Depot and the refinancing process I decided not to go with Loan Depot and emailed the representative the very next day stating I did not want to move forward with them on the refinancing and asked for my valuation fee of {$420.00} back. 

The representative replied stating that they just needed a few more documents from me and the valuation to move forward. I again replied that I was not comfortable and that I would not be moving forward with them. 

I spoke with three different inspectors and asked them to cancel the valuation. I spoke with Loan Depot XX/XX/XXXX and asked when this loan would be closed and I would receive my credit, I was told it should be within 24-48 hours. This has been ongoing since XX/XX/XXXX. 

During this process with Loan Depot I have felt pushed into something I really didnt understand and was told that no one needed to know my husband and I are divorcing to refinance, I was charged on a card that had just gotten paid down, which the representative also knew about and when I wanted to cancel the representative kept pushing me to answer why even after I told them several times, I just dont feel right about it. I was also told that I was on a recorded line several times agreeing to the commitment. 

It is my right to change my mind. The valuation was never done and I would not recommend Loan Depot, very pushy and not very explanatory and I still havent gotten my money back as stated.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TN)

I recently reviewed my credit report and noticed a lot of unauthorized accounts, inquiries, and several unfamiliar things on my credit. I see bankruptcies as well. This has caused a huge impact on my credit health and has stopped me from wanting to inquire about anything credit related. Im a victim of I.D . Theft and want to resolve the above issues so that I can have the same opportunities as others and gain financial stability.
Consumer complaint received 2024-06-04
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 formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2019-04-24
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. (NC)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXXXXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never let payments on this account become overdue, always ensuring they are made on time. I don't understand the reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors need to be corrected.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (IN)

On XX/XX/year> I made a XXXX grocery pick up purchase for {$140.00}. I ended up not needing the pick up and canceled it. XXXX reversed it on their end. Days went by and I didnt receive the refund back to my account. I called and the XXXX said he reversed it and I should see the funds within XXXX hours.. XXXX hours came and I never received the refund.. I called back and they said there was a problem with their system and its going to take up to 15 days to receive my refund. 15 days goes by I still do not have my refund. They said upper management is dealing with it and it should be resolved by XX/XX/XXXX. XX/XX/XXXX is here and nothing. I keep getting a different answer every time I call. I asked how long this takes and the representative said she didnt know. The other representative hung up on me when I asked for their refund policy. I keep getting the run around and I want my refund. Its been a month.
Consumer complaint received 2024-07-31
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)

" 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 accounts 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 did not provide written consent to report them. ''
Consumer complaint received 2024-06-04
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-07-31
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: Experian Information Solutions Inc. (IN)

I am writing to express my serious concern regarding several disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to see any resolution or corrective action taken. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative impact of these inaccuracies has caused immense hardships, and I am left with no choice but to urgently seek your assistance in rectifying this situation. I kindly request that a thorough investigation be conducted 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, allowing me to 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 2015-09-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We missed several mortgage payments with Nation Star Mortgage. When we called to make our account current, they gave us an amount to pay for all months including XXXX ( on XXXX XXXX and we paid it ). Then in XXXX we received notice that we owed backpayment for XXXX as well as XXXX. Throughout the last several months we have submitted payments- which were held and returned eventually- ( they would hold them until new fees accrued and then say our payments were not enough to cover the amount plus those new fees. ) They have lied repeatedly about how and when we could make payments. They consistently 'lose ' faxed information- or even say that we did n't sign- even though we have copies of the faxed documents which show that we signed or included information which they say is " missing ''. Now they are foreclosing on our house. They will not provide a reinstatement quote. The amount we owe changes by hundreds of dollars between people in less than an hour of time. XXXX agent told me if I made my payment out to him personally, he could accept it and apply it to our balance. The fees are exorbitant, and they will not tell us what the fees are for. All we want to do is pay the money and keep our house, but they are making it impossible- by not allowing us to know the amount we would need to pay. Legal documents that we have received from them have things crossed out and handwritten in. Pages have been omitted, and then someone blacked the page numbers out so that it would appear no pages were omitted. We are never able to speak to the same person twice. It takes hours on hold to even talk to an actual person. They have terrible customer service, they lie, and I feel they are predatory.
Consumer complaint received 2024-07-31
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-04
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. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX Discharged Date Filed XX/XX/year> Docket Identifier XXXX