davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (WI)

XX/XX/year> our house was severely damaged due to water damage. Our insurance company has cut checks for the damage. At this moment it is approximately $ XXXX pending another transaction. 

The mortgage company won't release the funds even though I have provided all paid invoices, contractor estimates, copies of cashiers checks to the general contractor, paid inspection that the mortgage company requires, material list, and more. 

I have now maxed out my line of credit and credit cards to pay for the damages that they are holding the funds from the insurance company. From what I understand in looking into this that this is a huge problem that several individuals endure. I am now paying additional interest for the XXXX that I have paid out of my pocket. Additionally, I have to pay an inspection fee even though I provide pictures of the project. 

Since there was water damage I had to gut the house down to the studs XXXX. They provided a total payment of under XXXX to date. We had to pass the mold inspection and then rebuild the house. The first inspection was done after the insulation and subfloors were put in. I was required by the XXXX to sign a blank document attesting to the the repairs that he wasn't allowed to show me. Then the report came back that the house was 20 % complete with out taking into consideration that the entire house was gutted to the studs. They promised manager review since XXXX. I finally got one and they approve XXXX K which doesn't even cover what I have already paid. That was after having to call weekly and requesting in an email for the management review to be completed which took 3 months. 

I am at my witts end with this process. I have never made a late payment. It has been 10 months since the house was livable. The house will not be completed until XXXX at the earliest. However, I do not have anymore money that I can front. They will not release funds until the house is at 50 % ( when they haven't even paid XXXX  % of the claim ) so what happens now? Why is the mortgage company able to hold funds that the insurance company has paid for. That money isn't theirs and it's to repair the house that they provided the loan. I am required to keep the loan current but there is no one regulating them? I have to call an XXXX number to the loss draft department for shellpoint ( new rez ) and speak to someone different everytime. The claim person doesn't respond or escalate an issue and only communicates via email. They require me to pay for the inspection for them to release the funds that my insurance paid and I paid the insurance company for the policy, not them. How do I resolve getting the funds released, the interest that I am paying for because of them, and my credit score affected because I had to use XXXX of my line of credit and now my credit is maxed out.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (CA)

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 account listed without my expressed written consent.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-06
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. (TX)

Despite my persistent efforts, these issues remain unresolved. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the importance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will leave me with no choice but to demand the immediate removal of these items from my report.
Consumer complaint received 2024-07-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I deposited a check at the atm of truist bank from inspira financial and got {$100.00} from the total amount i deposited afterwards the check deposit was completed the next day then was put on hold and marked as pending, for administrative hold.i just want my money its been 4 days and its gon na take another 6 days to clear?!! I have never had a issue with any other banks or such a long wait time.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is my several request that I am a victim of identity theft and I write to dispute certain item in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$770.00}
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SameDay Auto Finance, LLC (TX)

Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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. (TN)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-07-09
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: JPMORGAN CHASE & CO. (GA)

Dispute 1 : Company Name : XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX / Date ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The company listed above, I noticed unauthorized inquires on my credit report.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Atlanticus Services Corporation (DE)

During the Covid 19 pandemic, my then now ex husband left me and my XXXX children with debt, this credit card was one of the debts I was left to pay on a fixed income. I filed XXXX XXXX bankruptcy, XX/XX/year> which included this debt. This credit card is on my credit report which has decreased my credit score and hindering me from purchasing a home for myself and XXXX children.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

On XXXX XXXX I went to XXXX XXXX of XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. XXXX XXXX, XXXX XXXX and Chrysler Captial also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other three banks. I got a letter from the dealership but when I contacted XXXX, XXXX and Chrysler they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( XXXX, XXXX XXXX Chrysler ). I contacted all 3 banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you
Consumer complaint received 2024-05-06
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. (PA)

Transunion failed to do a proper investigation. I asked Transunion to update inaccurate and or incomplete information on my credit report they ate still reporting inaccurate and incomplete information on my credit report which is hurting my ability to get lines of credit. 


I will provide documentation that I sent last month and you will see nothing was done, the inaccurate accounts are still reporting. 

Transunion must do a Reinvestigation of these accounts that will be mentioned in my documents listed below.
Consumer complaint received 2023-05-01
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (CA)

this company, XXXX recovery, calls me every-single-day, using different numbers each time -sometimes as early as XXXX am - these are just a few of the numbers they use to call me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AZ)

I had self prepaid credit builder account. My credit score started at XXXX and I built it up to XXXX. After two years of paying self, i paid off a XXXX dollar loan which was not actually a loan because Im using my own money. Finally when I got it down to a XXXX balance and wanted to close my account it dropped my credit score back to XXXX. Where I started from. I was deceive thinking it will build my credit and when I finally closed my account down it took my credit score below XXXX. 
I spent 2 years paying self for no reason and I even asked a self representative, A XXXX lady from the XXXX if my credit score would drop and she said for sure NO. I was lied to and did all of this work for no reason
Consumer complaint received 2023-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have asked for signed contracts for any account they say I owe on. They can not provide one. It has been 7 months and they will not send me a contract that I have signed. They are showing a creditor has written off a debt. When that company writes off said debt they were compensated. this company has 30 days to provide a contract with my signature or must be removed from my credit report
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (OH)

There's a credit card on my credit report from XXXX XXXXXXXX XXXX which was opened in XXXX of 2024 and the amount of XXXX with a balance of {$2000.00}. This is not my credit card I have never heard of this company I would like this information and credit card removed off of my credit report immediately I believe there was some fraudulent activity that was done in my information was stolen. After XXXX and a company they have very bad reviews and the common state that it is fraud
Consumer complaint received 2024-05-07
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX XX/XX/XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XX/XX/XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXX XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/XXXXXX/XX/year>
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX  is reporting that I owe them XXXX for a XXXX credit limit. At that time I was making monthly payments until. Contracted XXXX in XXXX. 
When I called to check the status of my account in XXXX of XXXX I had an overpayment. I have not used the account. I have not seen a bill in almost a year and to top it off the account number that they are reporting to the credit bureaus is NOT my account number. I filed a dispute with Trans Union Credit bureau in XX/XX/XXXX. When the Representative asked me for my credit card number, she told me that my number was incorrect. I told her I am holding the card in my hand, this is my account number. She said that is not the number I have in front of me. She said she would include that in the report and the dispute was filed. 
I have not received any correspondence from XXXX XXXX  regarding this matter. They are damaging my credit.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.