davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I made a charge of {$1000.00} dollars on deferred interest payments until XX/XX/XXXX. On XX/XX/XXXX I charged {$1400.00} to the credit card. Also another charge on XX/XX/XXXX for {$770.00} dollars.It was deferred interest until XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$4900.00} dollars and specifically requested that the amounts on deferred payments be paid first ( XXXX dollars total ) from that amount. However, I realized that on XX/XX/XXXX a deferred interest on the amount of {$770.00} was charged deferred interest for {$420.00} dollars I called them and was given credit. However, on XX/XX/XXXX I was charged with deferred interest on the other XXXX amounts, a total deferred interest of {$1300.00} dollars. I REPEAT ALL THOSE AMOUNTS ON DEFERRED INTEREST PAYMENT WERE PAID ON XX/XX/XXXX. THE CREDIT CARD REFUSED TO CREDIT THE DEFERRED INTEREST PAYMENTS.
Consumer complaint received 2018-04-11
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: ONLINE Information Services, Inc. (LA)

The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account. 


The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report. 

Online collections original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX Online collections original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX 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 2024-05-14
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. (CA)

Hi my name is XXXX XXXX, I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

In XXXX I contacted usaa to open an checking account due to my deceased XXXX XXXX father, and XXXX children being in the XXXX XXXX XXXX  and having an account with them. I submitted my info to open a checking account and was awaiting the opening of my account. A month went by and I heard nothing. I contacted them and they claimed to not have received my ID. I have proof it was successfully uploaded at the same time I requested the account in which they didn't want so they advised me to send a copy through the mail or try to upload again and once received they can proceed with opening my account. I informed them it took 1hour and 23 minutes to upload my ID because of their system so I would send via mail. They gave me the address and I tirelessly went to XXXX to copy my ID and then USPS to send via mail. I didn't hear anything again after a week or so so I contacted them and was transferred over and over again and told they didn't receive it and then after another transfer that they did receive it days ago but I need to resend my ID in color form. I was again reassured that once they received it I could finish opening up my account. I again went to XXXX and then USPS and mailed it. Today-XX/XX/23- 2 months later I contacted then to see if they received it and was told " we decided to end business with you have a nice day ''. They gave no reason nor explained. They claim to have needed the copy of my ID to verify its really me. I'm XXXX and was not supposed to be driving nor on my leg. I sustained a new Injury which made it almost impossible for me to have gone back n forth to send my personal information through the mail. I'm in pain 24/7 and they totally had no consideration.
Consumer complaint received 2023-05-04
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. (NY)

Despite two written requests, the unverified items still remain on my credit report in violation of Federal Law. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore theyyou have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. I am in the mist of buying property for my family to sustain living and the incorrect information on my report is a deformation of my character and is hindering me from providing for my family.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit reporting agencies are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX ( XXXX ) XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX and I will attach the documents. Also, the amount that XXXX is reporting is not correct. The correct amount that the original creditor gave me is {$510.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. I also contacted XXXX and they stated that they do not add interest or fees to its accounts so where is this incorrect balance furnished from? The account I had with XXXX XXXX was in 2017. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2024-05-14
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc. (LA)

I file a complaint before about this debt for Consumer Portfolio Services. My ex wife and i had a car loan with consumer portfolio service this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXXXXXX XXXX XXXX i did a debt validation letter to them and they drop the balance to XXXX  on this account .Now in XXXX XXXX XXXX  they must have sole this debt to XXXX XXXX XXXX because now this collection agency have put it back on my credit report as of XXXXXXXX XXXX. This is fraud and i want it remove ASAP.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-14
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. (CA)

hello, I contacted multiple times Transunion and reported fraudulent inquiries and credit open under my name. I even called the creditor and they told me this information does not match to my name and they dont know why its showing on the Trans Union . I even filed the police report, which I already attached to this report. Are three hard inquiries under my name which none of them had permission. 
The first account is XXXX XXXXXXXX XXXX XXXX  which even I called them directly and they said the information does not match to my information and they said this is the mismatch but still showing on the Transunion information. The second account is XXXX community credit Which it doesnt belong to me either and it was opened fraudulently and I contact them also and they said none of the information or match to my information. And there are three hard inquiries, which should be removed from my account. Please see attached police report which was filed on XX/XX/year> on the city of XXXX XXXX, XXXX XXXX, California and the police report is XXXX XXXX : XXXX there were multiple accounts open under my name, but most of them after a couple months was removed by Transunion from my account, but unfortunately these two accounts have not been removed yet.
Consumer complaint received 2024-05-14
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. (UT)

I'm disputing the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. The disputed information on my credit report is as follows : TransUnion, XXXX, XXXX, refuse to remove these inaccurate accounts, I've made numerous attempts and received mail stating Verified and Accurate How is this even possible to say your so called investigation is accurate and their aren't any account numbers to say theses accounts are accurate. This is fraudulent reporting A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is in accurate or have reason to believe is in accurate. I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ). Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years. Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Homeowner XXXX XXXX disputes charges that have been made to her mortgage account by the servicer of her mortgage, Nationstar. She has tried to resolve these disputes by working directly with Nationstar but Nationstar has failed to correct the problems and has failed to respond to a Notice of Error sent on her behalf. On XXXX XXXX, XXXX, our office sent a Notice of Error pursuant to XXXX to Nationstar detailing how Nationstar had erroneously overstated her escrow shortage and asking Nationstar to correct the error. Under the CFPB regulations, Nationstar had 30 days to correct this error or to respond to the Notice. Nationstar has neither corrected the error nor responded to the notice. Instead, Nationstar has taken more aggressive collection action against XXXX XXXX and is now threaten to foreclose on her home. 

Since receiving our XXXX XXXX Notice of Error, Nationstar sent a billing statement dated XXXX XXXX, XXXX, to XXXX XXXX stating that she owed {$4300.00} the loan. On XXXX XXXX, Nationstar sent XXXX XXXX another letter inexplicably stating that now owes {$9000.00}, more than double the amount it stated she owed XXXX weeks before. In this letter, Nationstar threatens not only to foreclose on the home if XXXX XXXX does not pay the entire amount by XXXX XXXX, but also to seek a deficiency judgment against her personally. Nationstar appears to have illegally padded its fees for the loan by demanding payment in the amount of {$3600.00} for " Document Transfer Stamps '' ( although XXXX XXXX has owned the home since XXXX ) and {$3000.00} for attorneys fees ( although XXXX XXXX is not in foreclosure. ) In effect, Nationstar is retaliating against XXXX XXXX for exercising her right to send it a Notice of Error under the CFPB regulations. Rather than correct its error or even respond to the Notice is it is required to do, Nationstar is instead seeking to punish XXXX XXXX by adding unwarranted charges to her account and threatening to foreclose on her home if the charges are not paid.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

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. 

XXXX XXXX XXXX : account # XXXX and XXXX : account # XXXX has violated my right. 

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-14
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. (AR)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXXXX/XX/XXXX According to the FCRA, credit bureaus are required to respond to disputes withinXX/XX/XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, on XX/XX/XXXX I sent a letter to TransUnion consumer Solutions to dispute these unauthorized Inquiries. 

Inquiry 1. XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized Inquiry 2. XXXX Credit Card XX/XX/XXXX unauthorized Inquiry 3. XXXX XXXX XX/XX/XXXX unauthorized TransUnion never responded back to me, the letter was sent out XX/XX/XXXX. I didn't receive anything from them in the mail nor did they delete these unauthorized inquiries.
Consumer complaint received 2024-04-19
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. (TN)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.