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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have filed disputes with all three credit bureaus about a bankruptcy on my file. The response has only been that it is factual which it is not. XXXX of the inaccuracies is the date it was filed. Another thing is that XXXX of the debts i included In my bankruptcy is still being reported which is showing late/or missed payments. Which is effecting my score negatively even after the bankruptcy. There has been no proof only stating the information is verified by XXXX. Which they have responded my information is suppressed and has not been shared. I also have a court document stating they have not shared any information with bureaus which verifies no research has been made. Its false information and can not be proved.
Consumer complaint received 2024-06-19
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. (HI)

I request that XXXX and EXPERIAN remove or delete from my consumer report file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. XXXX XXXX XXXX did remove the information but less than a week later they placed the item back on my consumer file. 
XXXX XX/XX/year> Attorney General File was removed. 
XXXX XX/XX/year> Attorney General File was placed back on file. 
XXXX explicitly disregards the Federal laws and my rights to remove this file from my consumer report. I sent letters stating that this account was not derived from a credit transaction nor did I authorize them to furnish any report to all three of the Consumer Agency.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

According to Transunion 's own website at XXXX XXXX XXXX they say, " If youre trying to pay down debt, shooting for under XXXX  % utilization is a good goal, but the lower the better. '' Yet, my XXXX  card debt went from XXXX XXXX XXXX XXXX  % - not even XXXX % - and Transunion took my score from XXXX to XXXX. This is ludricous. Why is the XXXX % suggested as a " good goal '' when they drop your score by nearly XXXX points for utilization of less than XXXX percent?? That's extremely misleading. How is that fair? I'd hate to see what happens to my score if I get to XXXX % utilization. 

It's gotten to the point with the credit reporting agencies that if you spend any amount on your credit card, they drop the score. That didn't used to be the case. That's not exactly motivation to even have a credit card, much less spend XXXX. Regardless, XXXX points is an unfair standard for the amount of utilization. I discovered this score drop from XXXX XXXX XXXX. I have never ever seen my score drop that much from credit use. The other reporting agencies certainly have never done this. This also happens to be my second complaint against Transunion in XXXX years.
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I informed all 3 credit bureaus about accounts being opened in my name in 2017 until now. I have repeatedly asked the credit bureaus to remove all erroneous accounts such as rental debts, etc and they have refused to do so. Each time I ask them to investigate these alleged accounts my credit will update immediately within minutes saying verified/remains on credit.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This credit bureau continues to violate my right by reporting inaccurate information on my credit file or withhold updated information that is positive on my credit file to manipulate the credit report to look back. I have proof down below to show how this continues to happen they say ther verify account that still show the same thing but on the accounts that ate good they don't update them at all cause my credit score to tank.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2023-07-09
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. (OH)

RE : CARE ACT Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 My name is XXXX XXXX I am filing a complaint on my own behalf I am not a 3rd party or an attorney. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shutdown. I am aware that the CARESACT was allowing for consumer protection under the CARES Act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX ( XXXX LATE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX LATE XXXX XXXX XXXX XXXXXXXXXXXX XXXX LATE XXXX XX/XX/XXXX ) XXXX XXXX ( LATE XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX ( XXXX XX/XX/XXXX )
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX-17 I do not remember the amount but it's for Bank Of America, XXXX XXXX XXXX and any other banks shown on the XXXX report. This one person who was my roommate at the time, when I opened the accounts, told me the checks he had were good and instructed me to deposit the checks into the atm and into my account but little did I know that they were bad and ended up getting the bank to force me to close out the account and be put on XXXX  for fraud when it was my ex-roommate who did the checks. There was a warrant out for my arrest and by working with my defense attorney, I was able to get the charges against me dropped. I can contact my defense attorney and get him to ask the police there for a police report that proves that the charges were dropped. I just want the XXXX bad listings on me to disappear for good. 
For XXXX, this was all because my roommate instructed me to deposit a, in his words, good check that was actually a bad check and that bounced, making me owe money and having the account closed out by the bank. 
I just want this to be off XXXX and me to be put out of the database.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc. (CO)

I called XXXX XXXX XXXX, my dentist office, on XX/XX/year> because I got a message in the mail saying I owed more money. I called my insurance, XXXX who said I didn't owe any money and it was a mistake. XXXX said they would get it fixed with the dentist office. It says I owe {$500.00}, but I was told I didn't owe anything.
Consumer complaint received 2024-08-14
Product: Credit 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: Mercury Technologies, Inc. (DE)

We had raised dispute for Transaction which are charged to our Debit Card ending with XXXX on XXXX XXXX. Bank Name : - XXXX XXXX XXXX Card Ending With : - XXXX Date : - XXXX XXXX Checking Account : XXXX Transactions Details : - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. - USD XXXX After Raising the Disputes Request mercury XXXX  asked us the below details : - What merchants or services can you recall providing your card information? Answered by us : - As a XXXX XXXX XXXX XXXX XXXX, we book travel activities using credit cards and other IT tools. We have taken the services from Following merchants, primarily in travel : - XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Entertainment. Is your card stored in any digital wallets or digital payment features? Answered by us : -No, its not stored in any Digital Wallets or Digital payments features When was the last time you used your card? Please give the amount, merchant name, and date. Answered by us : - My last XXXX transactions were fraudulent, for which we raised the disputes, before that we used on XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/year> XXXX XXXX Are there any other unauthorized transactions in your account or on the card used? Answered by us : -There are only XXXX transactions for which I raised the chargeback. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. XXXX XXXX XXXX anyone else have access to your card details, or has anyone else ever been authorized to use your card? If so, provide their name and relation to you/the business. Answered by us : - No one have the card. After providing the above question mercury bank denied to raise the disputes on by mentioning that Upon review, this case does not fall within Mercury 's dispute policies., and they denied to raise the dispute with merchants. Cardholders can dispute charges on their credit card statements, particularly for fraudulent or inaccurate transactions. The card issuer is responsible for raising disputes with merchants and providing provisional credit. If the merchant can prove that the cardholders only received the services, the dispute may be resolved in favor of the merchant. However, Mercury XXXX have failed to initiate requests with merchants and have not followed the processes outlined by XXXX and XXXX. We are requesting a reversal of the transaction to our account and notifying Mercury to adhere to the established guidelines.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (PA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Wrong address listed on file and employee XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX wrong address XXXX XXXX XXXX # XXXX, XXXX TX XXXX wrong address XXXX XXXX wrong employer The right employer is XXXX. XXXX
Consumer complaint received 2024-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NJ)

On XXXX occasions, I called the Customer Service line for Mr. Cooper, my loan servicer. Once in XXXX ( around the XXXX ) and once XXXX XXXX ( around the XXXX ). Each phone call was for the company to re-issue an escrow surplus check issued the year before, on XX/XX/year>, because I had not ever cashed it. In addition, the records reflect as though they have debited the account of the money. I still have the uncashed check with has the caveat of the check expiring within 180 days of the date of the check, referenced above. Each time they have told me it takes 15 days. To date, I have not received any notification from the company to re-issue the check ; however, they continue to make notification calls to my phone to ensure my mortgage is paid timely ( not a bad thing, but if you want me to pay on time, why are you dragging your feet re-issuing me the escrow surplus check ).
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (CA)

you need to improve your third class service on the phone, I'm very irritated, it is impossible to reach someone over the phone, it came on, prompting me to press one number and then another, but I don't reach anyone. 

I also need to know I received the flyer in the mail about receiving {$600.00} in the bonus if {$10000.00} is deposited in the account as a direct deposit. 

is there a minimum balance I need to keep in the account to avoid the fee? 

Direct deposit of {$6200.00} has already been done in the account. 

after depositing the full {$10000.00} in the account, when will I receive the bonus in the account of {$600.00}
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Glass Mountain Capital, LLC (IA)

This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me. 

Balance of {$720.00} Date of notice XX/XX/year>XXXX XXXX
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/XXXX, I made an edeposit. On XX/XX/XXXX, I called to request a status update. I was told that the edeposit ( a check ) was being processed. I was further told that while there may be a delay, it was unlikely because I have been a customer for nearly XXXX years always maintaining a healthy account balance. On XX/XX/XXXX, I verified that the bank that the check was drawn on had cleared the check and paid Ally ; however, Ally stated they were holding my funds for XXXX business days due to " confidential information that indicates that the check may not be paid. '' FIRST of all, that is an unfounded accusation! The check was drawn off my sister-in-law 's account and there is NO confidential information that would indicate the check would not be paid. Their statement is DEFAMATION OF CHARACTER! They are slandering my sister-in-law by inferring she does not have the funds to pay a check! AND the check was paid the SAME DAY! I called and spoke with " XXXX '' who said that he would escalate the case. It was explained that the check was paid and that the funds were with Ally. XXXX stated that his request for a supervisor to release the funds was denied. I asked him to further escalate the case. Later today I received an email that stated that the request denied. HOWEVER, ALLY HAS THE FUNDS!!! THE CHECK CLEARED!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the accounts would be promptly updated. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts 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 2024-08-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Integrity Funding Ohio, LLC (TX)

I am writing to express my ongoing concerns regarding the {$1000.00} loan I took out in XX/XX/year>. Despite multiple attempts to resolve this issue, I have yet to receive a satisfactory resolution. 

I have made several calls to your office at XXXX, located at XXXX XXXX XXXX, XXXX, TX XXXX, and have paid {$2700.00} in interest due to my inability to make the balloon payment. The loan has been refinanced twice. In XXXX, I contacted the corporate office and spoke with XXXX, who assured me that the account would be settled due to my hXXXX XXXX XXXX XXXX and a XXXX XXXX  Unfortunately, this settlement was not processed, and only one month of interest was waived. 

I have repeatedly tried to contact the store located at XXXX XXXX XXXX, XXXX, TX XXXX, to speak with management. However, the location has had numerous temporary employees, and I have been unable to obtain any information about the account, including a printout of the total amount of interest paid. The name " XXXX '' has been mentioned as a manager, but I have not been able to confirm this or get any actionable information. The store is often empty, and the only person available is a receptionist who has to make phone calls to seek answers. 

Additionally, I am concerned that I was asked to email mXXXX XXXX XXXX XXXX XXXX XXXX which I believe is a violation of HIPAA regulations. I have not received any settlement offer, only a waiver of one months interest. 

Due to my recent hospitalization and current leave, I am faced with the difficult decision of either repairing my vehicle or paying off the loan, but I am unable to do both. Following a conversation with XXXX at XXXX XXXX XXXX, she advised me to turn in the car. 

I visited your office today to proceed with this request, but XXXX was unsure of the exact process. She contacted XXXX, who provided me with a word document stating that I am surrendering my vehicle and instructed me to return the keys. 

Given these circumstances, I urgently need : Clarification on Proper Protocol : Guidance from management or corporate on the correct procedure for surrendering the vehicle and what steps follow this process. 

Resolution of Settlement Offer : An update on the settlement offer or resolution promised, especially in light of the personal patient information I provided for this purpose. 

I would appreciate prompt assistance to ensure that I am compliant with the necessary procedures and that this matter is resolved efficiently. 

I am urgently requesting a call from an area manager and a detailed printout of all payments made since XX/XX/year>. Your prompt attention to this matter is crucial for resolving this ongoing issue. 

Thank you for your immediate assistance.
Consumer complaint received 2024-04-17
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received my consumer report and I notice many errors, which is making my report inaccurate! First I would like to start with my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX is not accurate and should be removed immediately. See attachment for proof that I sent in letter asking for help in updating my file to reflect true accuracy.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-03
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)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.