davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted all 3 Credit Reporting Agencies several times about the same thing over and over again. Each has told me they have fixed the issue or the information is valid. At this point, I am now seeking monetary relief. 

My personal information is wrong, TRANSUNION and XXXX are reporting non-mailable addresses. Only address should be listed, No other address. 

My DOB is reported wrong. 

The only variation of my name should be XXXX XXXX XXXX XXXX XXXX - payment history is incomplete and is reporting the wrong Date opened date and is only reporting to XXXX. 

XXXX XXXX - is reporting to all 3 CRAs and all the information for each is reporting incorrect information such as, Account Numbers, Monthly Payments, Date Opened, High Credit, Last Reported, Date Last Active, Date of Last Payment, also the Charge-off Date, TRANSUNION reports 2 charge-off dates of XX/XX/year> and XX/XX/year> and XXXX has a charge-off date of XX/XX/year>. Payment history is incomplete. 

XXXX XXXX I have disputed this information several times they have not shown any evidence or proof of this debt and TRANSUNION and XXXX are reporting incorrect information like Date Opened, Last Reported, Date Last Active, Credit Limit XXXX Past Due, Date of Last Payment XXXX XXXX - reporting incorrect information like Last Reported, Date Last Active, Balance, Credit Limit , Past Due, Date of Last Payment, Monthly Payment, Payment History incomplete INQUIRIES - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They have ignored the fact I am a victim of identity theft and have been trying to repair what has been affected. With this incorrect information being reported, I have not been able to do the simplest of things to ensure my familys well-being. I will also be filing another FTC report as well. 

I am more than willing to handle this matter in court.
Consumer complaint received 2023-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC (CO)

Ive attempted to make a payment on my loan multiple times since XXXX. I have plenty of money in the account and I have verified the routing and account numbers but the payments keep getting reversed. I have used different accounts to see if it was a problem with a specific bank account, but they still got reversed. I had a very difficult time trying to find a person from Roundpoint to talk to. I searched multiple times to find a number without finding it until I finally found it buried in a faq page. Once on the call, it also took several attempts to get to an actual person. They have charged me late fees and reported me to the credit agencies when, in my view, these delays are a result of their systems and their attempts to save money. I dont feel that I should be held responsible for the fees or negative credit ratings. Their record clearly shows that I attempted to make payment multiple times and with multiple accounts. It would have been quite easy for them to provide a phone number for me to call or to call me when their system didnt recognize the account number. At this time I am still not certain if my payments have been accepted.
Consumer complaint received 2023-09-19
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)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX Balance : {$540.00}
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (CA)

Account Number : XXXX Paid in FULL ON XX/XX/2020 AMOUNT PAID : $ XXXX {$6.00} ( fee ) = {$170.00} Requested to be removed from my credit report. 
The company 's site still shows a balance. 

I have contacted Caine & Weiner Collection agency and they refuse to show proof that the credit agency was notified of my XXXX  ( XXXX ) balance.
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: Experian Information Solutions Inc. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-10-25
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: TRUIST FINANCIAL CORPORATION (TX)

There has been 2 fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} 1st Fraud Dispute was filed on XX/XX/2023, Truist Fraud Department cancelled the card on XX/XX/23 and sent me a replacement, but no fraud claim was filed untill I called back on XX/XX/2023. A fraud case # XXXX. 

2nd Fraud Dispute was filed on XX/XX/2023 and was reported to Truist on XX/XX/2023. A fraud case # XXXX was issued. This fraud claim was for {$24000.00}. 

Truist Fraud Deparment was called multiple times since XX/XX/2023. As of today 's phone call with XXXX XXXX and XXXX XXXX from Fraud Dept. the issue remains unresolved. 

Unfortunately Truist keeps giving same excuse all the time, we are still investigating. Truist also started reporting this balance to credit agencies ( XXXX, XXXX and XXXX ). 

I have sent several emails to disputes at XXXX, a part of my several phone calls to XXXX. There is no resolution being provided by Truist. 

I also sent an USPS Certified Letter on XX/XX/2023, with Tracking # XXXX ( I am also attaching the letter to this complaint ), still there is no response from Truist. Last correspondence in writing was on XX/XX/2023 in an email. I also called Truist today ( XX/XX/23 ) to find out the status, I was informed by XXXX XXXX and XXXX XXXX, Supervisor, Fraud Dept, the cases are being investigated and there is no timeframe for the investigation to be completed and that my account will not be credited untill the investigation is complete. 

I NEED HELP, THE AMOUNTS IN FRAUD DISPUTE total to {$26000.00} which is a lot of money to me and my family. Truist has not resolved the fraud complaints and is holding me responsible since XX/XX/2023.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I been trying for over 1 yr to get these Fraudulent inquires removed, Transunion does not care about me, or care to correct it. and not one company removed it after i personally called them. They agreed it was fraud but left them on. Its these Inquires below 1. XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX  XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX  XX/XX/XXXX 5.XXXX  XXXX XXXX  ( shopping ) XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX  XXXX XX/XX/XXXX 8.XXXX  XXXX  XX/XX/XXXX 9.XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-02
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. (GA)

I have disputed 2 addresses with Experian, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since 2007. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.
Consumer complaint received 2023-11-07
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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. (IL)

I believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

XX/XX/19 BMO Harris allowed my transfer of $ XXXX from XXXX  XXXX XXXX opening an account. 
Shortly thereafter, my account was frozen by BMO Harris ; their fraud department determined more information was  needed to verify my address. This is partially understandable given I was in the process of changing my residency from XXXX to XXXX, but at time of transition most, if not all, of my personal information was under my XXXX   address. In order to free up my account they required among other things, a bill that was associated with the address. I dont have any utilities in my name, thus preventing me from being able to unlock my account. It has now been almost two months since my account was frozen and I have made multiple calls to their fraud department ( that have gone unreturned ) and they have provided no alternative means of resolving this. Ive contemplated legal action, but I am mostly frustrated and just want my money back at this point.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Consumer complaint received 2023-10-25
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. (TX)

I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My loan servicer debited two monthly payments from me instead of one. When I called to resolve this and refund the extra payment, they told me it would take at least 60 days to refund me. Thats insane, I have bills to pay and now my account is overdrawn and I have nothing to replace the funds with. These loan services cant be doing this to people when it takes that long to get the money back. Also can we please investigate why it takes them 60 DAYS to provide refunds?? Like you have the money just give it back. This is insane in this economy and I'm really XXXX.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

My Federal Loans have transferred to Mohela. I have always been able to make payment from my checking account to Mohela with no issues prior to XX/XX/XXXX. I was not making regular payments due to the federal pause and have been preparing for the repayment restarting as of XX/XX/XXXX. 

I was placed on an Administrative Forbearance on XX/XX/XXXX. This is not something I requested and I take issue with Mohela collecting interest for a Forbearance that was not requested by myself. I have attempted to make several payments to Mohela via XXXX XXXX and XXXX time payments. Each time, I receive a message that my financial institution has returned the payment. This is simply not true and my account information has not changed with previous payments being processed with no issue. I would like to make my payments and not face interest penalties for something I did not request. 

My current XXXX plan payments are {$170.00} and my new monthly payment plan ( as per studentaid.gov ) will be {$630.00}. 

I received notice that my auto debit was approved and will be debited on XX/XX/XXXX but do not know the amount to be withdrawn or if this auto debit will also be rejected once again. I need to understand the amount to be withdrawn to financially prepare. 

I have attempted to contact Mohela via telephone with over XXXX hour wait times and have been unsuccessful in speaking with a representative. I sent an email complaint regarding this issue on XX/XX/XXXX and have not received any response.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Your company is in violation of my right and if this is not resolved i will be seeking litigation. you guys allow this frauduelent account to be reinserted back on my credit report after deleting it after i attached a ftc report and a police report.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % factual information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. If they arent removed I will be filing an IRS form XXXX reporting them for unreported income, false/altered documents/unsubstantiated income, and KICKBACKS, since these companies are paying Transunion to do business with them. Im also demanding that Transunion pay me {$1000.00} for violation for failure to properly investigate! I will also be filing a small claims lawsuit in court and willing to take the case all the way to federal court for defamation of character because it looks like Transunion is refusing to remove these fraudulent inquiries due to their business relation with these companies if they dont remove them Ill file attached paperwork and demand a court date. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XX/XX/24 I filed an ftc report concerning inquires that i did not consent to, authorize nor benefit from. FTC report number XXXXaccording to FCRA 605B THIS INFORMATION MUST BE BLOCKED IN 4 BUSINESS DAYS FROM THE RECEIPT OF THIS COMMUNICATION. As of today the iquiries are reporting on XXXX, TRANSUNION and XXXX. ON XX/XX/24 I called TRANSUNION and spoke to XXXX in the fraud department she said transunion did not recieve the FTC report and it would take XXXX days to remove after receiving the documents. Atttached is original letters sent to XXXX, TRANSUNION and XXXX.
Consumer complaint received 2023-09-19
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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