davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (TN)

XX/XX/year> - Account opened. 
XX/XX/scrub>XXXX  - Received welcome email. Expected to receive debit card within 10 days to start using account. 
XX/XX/scrub>XXXX  - Account closed. Called customer care and they informed me that Netspend XXXX XXXX for " high risk '' reasons that the company will not disclose. Netspend does not allow customers to talk to XXXX XXXX.
Consumer complaint received 2024-05-17
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-18
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-12
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. (NJ)

I am writing to formally request the immediate removal of inaccurate information from my consumer report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in my credit file. The following inaccuracies require prompt correction : Late Payment Report Dispute : Account : XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/year>, Date Late Reported : XX/XX/year>. Per 15 USC 1666b regarding the timing of payments, this late payment should be excluded from my report. Additionally, 15 USC 1681b ( 2 ) restricts the reporting of consumer information without my written authorization. It appears that your agency is reporting information without my consent, which may constitute a breach of my rights and potentially aggravated identity theft. Please be advised that if these issues are not resolved promptly, I will pursue legal action. Each violation of the FCRA may result in damages of up to {$1000.00} as specified under 15 USC 1681n for willful non-compliance.
Consumer complaint received 2024-05-17
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
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 (HI)

DO WHATEVER YOU NEED TO DO NOT TO BE SERVICED BY NEW REZ. 

XX/XX/XXXX : Bought house using XXXX XXXX  loan servicing. Hazard and windstorm policies were paid out for the year by Academy Mortgage. 
XX/XX/XXXX : Loan bought by New Rez. New Rez saw the two separate policies with the similar amount and incorrectly uploaded the hurricane policy as our hazard/homeowner 's policy and disregarded what they thought was a duplicate policy. 
XX/XX/XXXX : XXXX sends New Rez invoices and renewal policies for both hurricane and hazard. New Rez only pays hurricane policy, thinking it's homeowner 's. 
XX/XX/XXXX : Homeowner policy is canceled due to non-payment. 
XX/XX/XXXX : I call XXXX for a copy of my homeowner 's policy to see if I want to update it. Was then told I am not covered due to non-payment from New Rez. RESPA violation. 
I call New Rez, who says I have homeowner 's insurance. I said XXXX says I don't. New Rez agent discovers mistaken hurricane policy being uploaded as homeowner 's insurance. 
XX/XX/XXXX : I work with XXXX to get two new policies, homeowner 's and hurricane. 
XX/XX/XXXX : New policies are sent to New Rez. New Rez fails to pay XXXX. I call New Rez again, they claim they did not receive new policies. I upload again. Email docs again. They confirm they received it and will pay out XXXX. 
XX/XX/XXXX : Received a letter that we were going to be charged XXXX years of XXXX for the missing year of insurance. New Rez apays out XXXX and XXXX, double charging our windstorm insurance. I call New Rez to complain about XXXX, as it is not my fault the mislabeled and disregarded our policies when they received them, from several different sources including XXXXXXXX XXXX and XXXX. Sent in proof that XXXX sent them renewal information along with invoice. Request denied, despite evidence. Supervisor said request can not be reopened once denied. Reason given was that they didn't have the policy on file, which is a lie.
Consumer complaint received 2024-05-17
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$590.00}
Consumer complaint received 2024-05-17
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)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> ) ( XX/XX/year> ) .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late.
Consumer complaint received 2024-05-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I was being garnished. They collected the amount. And have now collected more than owed. Which is now theft. I owed XXXX they have now taken XXXX They've over taken without properly notifying my work which is now a violation
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX Employer - USMC Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

The reporting of the account from XX/XX/XXXXACCT # XXXXBALANCED AT {$1000.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off discharged and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( e ) ( b ) and SECTION 604 15 U.S.C 1681b.

Which also allowed the credit agencies TRANS UNION, XXXX, AND XXXX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Consumer complaint received 2024-08-25
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. (TX)

To Whom It May Concern, I am writing to formally dispute the inaccurate and unfair collection accounts that have been reported on my credit report. I believe these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly in violation of the Uniform Commercial Code ( UCC ) as well.

# # # Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA ( 15 U.S. Code 1681 et seq. ), I have the right to dispute inaccurate information in my credit report and to have those inaccuracies investigated and corrected. The information being reported by the collection agencies is either incorrect, unverifiable, or outdated, and as such, should not be reflected in my credit report. Specifically : XXXX. **Verification Requirement ( Section 609 ) : ** The collection agencies must provide proper documentation proving that the debt is valid and that they have the right to collect it. As per Section 609 of the FCRA, I request that you furnish me with copies of all documentation that validates these debts. 

XXXX. XXXXAccurate Reporting ( Section 611 ) : ** The credit reporting agencies must ensure that all information reported is accurate. If the collections can not be verified within the 30-day investigation period, they must be removed from my credit report as per Section 611 of the FCRA. 

XXXX. **Re-aging of Debt : ** If the collection accounts have been re-aged, this is a violation of the FCRA XXXX and those accounts must be corrected or removed immediately. 

# # # Uniform Commercial Code ( UCC ) Considerations : Additionally, under XXXX provisions, specifically regarding the rights to enforce a debt or obligation, I believe the collection agencies may not have legal standing or proper assignment of the debt. Under UCC Article XXXX, if the collection agency can not provide a valid assignment of the debt or a contract that explicitly grants them the right to collect, they are not legally allowed to report this debt on my credit file. 

# # # Resolution Requested : I kindly request that you : XXXX. Investigate the accounts in question and ensure that they comply with the FCRA and XXXX requirements. 
XXXX. Remove any erroneous or unverifiable collections from my credit report. 
XXXX. Provide me with written confirmation of your investigation results. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XX/XX/XXXXXXXX XXXX XXXX : XXXX
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying for weeks to access my credit report and freeze my credit with Transunion. Every time, the website has not worked, and I call the number to freeze my report over the phone and their automated service does not even work. I continuously get stuck trying to give an end date for my freeze and it will not let me input a date even following their instructions exactly. 

There is a massive data breach going on and Transunion has made it nearly impossible for me to use their service online or over the phone, and it's incredibly frustrating.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Good afternoon, I have contacted Capital One concerning two accounts. I was told they were applied for through XXXX XXXX. Please remove off my credit reports XXXX XXXX, XXXX, and XXXX. I have not gained anything from those accounts.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (VA)

Complaint Regarding Denial of Credit Application for XXXX  Mercedes Benz XXXX XXXX XXXX XXXX XXXX I am writing to file a complaint regarding the denial of my credit application for a XXXX  Mercedes Benz XXXX XXXX XXXX XXXX XXXX. I believe the denial was based on deceptive practices by the dealer/financial institution. 

On XX/XX/year>, I applied for credit to finance a XXXX Mercedes Benz XXXX XXXX XXXX XXXX XXXX at MERCEDES-BENZ XXXX XXXX. During the application process, I was provided with information that I now believe to be deceptive. Specifically, I was assured that my credit application would be approved based on preliminary checks and the dealer/financial institution 's guidelines. 

However, after completing the application and submitting all required documents, I was informed that my application was denied. This denial came despite prior assurances and information that suggested a high likelihood of approval. 

The information I received included misleading statements about the terms of credit and false assurances regarding the approval process. I have documentation from the dealer/financial institution that supports my claim of deceptive practices. 

The denial of my credit application has caused significant inconvenience and financial planning disruptions. I had made arrangements based on the assumption that my application would be approved, as suggested by the dealer/financial institution. 

I am seeking a thorough investigation into the practices of MERCEDES-BENZ XXXX XXXX and reconsideration of my credit application. I believe that consumers should be protected from such deceptive practices and that appropriate measures should be taken to prevent similar issues in the future. 

Thank you for your attention to this matter.
Consumer complaint received 2024-06-17
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: CLGF Holdco 1, LLC (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CB INDIGO - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-17
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. (NY)

The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX 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 2024-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Good Day, Upon Checking My XXXX XXXX XXXX XXXX in XXXX, I realized that I had a " Collection '' from a Company by the Name of : Transworld Systems Inc. who apparently has " Several '' XXXX XXXX XXXX and or Addresses as I have seen over this time period via XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Addresses for this Company is/are as follows : XXXX XXXX XXXX XXXX XXXX PA XXXX And : XXXX XXXX XXXX, XXXX DE XXXX XXXX And : XXXX XXXX XXXX XXXX DE XXXX And Whose Contact Number ( XXXX ) is/are as Stated on My Credit Reports is XXXX XXXX all XXXX  XXXX  Credit Bureaus XXXX This XXXX XXXX Transworld Systems Inc., a Company that I have No Contractual Obligation to, listed, with varying Account Numbers, along with My name, the following account as being owed to them as a Debt/Collection : RE : COLLECTIONS ACCOUNT # XXXX ( Partial Account # ) Which is illegal as per FCRA {$360.00} Past Due I then proceeded to Send Various Correspondences to this Company via the varying Address ( s ) that they have provided via each pull of My credit reports, seeking Validation, Proof of Ownership and Written Proof of Contractual Obligation to them . 

The First Certified Letter of Dispute and Validation was Sent on XX/XX/year> and I received proof of signed receipt by an Agent of said Company. I received NO Response as per My request. 

I followed up with Two More Requests Dated, Respectively on XX/XX/year> and Finally on XX/XX/year> requesting validation as per FCRA law and I have still to receive a response from this Collection Company and this Derogatory still remains of My Credit Reports.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

All this was done in XXXX and then again in XXXX. In XXXX I went to the bank trying to get a loan and I was informed that I have two pending charges on my credit that I wasnt aware of and I couldnt get my loan and Ive been trying to get it off since then and nothing has happened Im trying to be a homeowner and do things in life and I cant because of this and I didnt do it.