davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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. (MS)

****To begin, I would like to ensure you have and ONLY hold on to present, TRUE, CORRECT, COMPLETE, and MANDATED recorded To the degree that FCRA regulations, any and all others that could or should be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all of these aforenoted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious be it indubitable or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any OTHER NAMES or aliases and I do NOT have ambition for any OTHER NAMES or aliases to be retained or recited, if ANY edit out NOW or produce PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ). 
( b ) I do NOT have any OTHER existent addresses and I do NOT covet any OTHER ADDRESSES to be retained or made known, if ANY annul NOW or produce PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( c ) I do NOT have any OTHER SSNs and I do NOT have wish for any OTHER SSNs to be retained or expressed, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).. 
( d ) I do NOT have any OTHER Dates of Birth and I do NOT have compliant-like salacity of or for any OTHER Dates of Birth to be retained or rumored, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ). 
( e ) I do NOT have any telephone numbers and I do NOT yearn for any telephone numbers to b e retained or described, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 
( f ) I do NOT have any employers and I do NOT long for any employers to be retained or believed, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

Page 1 of 6 -XXXX XXXX ( XXXX  ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or communicated, if A N Y REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to sustain much less report without infringing my consumer right ( s ).
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (OR)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Federated Student Loan Services (CA)

I have filed a complaint. Several years ago, I contacted federal student aid about fraudulent student loans opened in my name, with police reports documenting identity theft. Last year, I reached out to student aid again, and the loan accounts were successfully removed from my credit report. However, I have not received refunds for the multiple years of tax offsets. This situation led me to unknowingly become a victim of additional fraud, as my tax refunds, instead of being offset, were actually stolen. This was made worse by my lack of awareness about the existence of these tax refunds.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC credit card XXXX XXXX XXXX this is the cc # i filed a complaint and received a letter from them stating they were refunding my credit and closing the card, i never received the refund and they continue to send statements. i received a letter that you closed the complaint but i want to reopen it
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Contacted Capital One Credit Card services before my due date and was told couldn't apply for hardship help because my account was still in good standing. They contacted me after the I missed my first payment after XX/XX/2024, which I let them know that I needed hardship assistance. Capital One representative told me that I still had time to make a payment. I assured them that I wasn't sure if I would be back to work. In XX/XX/2024, after missing my second payment a customer service representative called to inquire about my missed payment which I stated I needed a hardship assistance. The representative told me because I had only missed two payments they couldn't help me. Hardships are for six or more missed payments.
Consumer complaint received 2024-06-09
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. (VA)

I recently went through XXXX XXXX to obtain a HELOC loan to consolidate existing debt. Not to take on any new debt. I was successful with that and obtained the loan. As a result of me consolidating that same/ existing debt, my credit score dropped well over XXXX points with Transunion and XXXX XXXX XXXX I contacted both the bureaus and neither one of them could provide an explanation as to why after reviewing the report with me via phone. They both said that they would submit a research request to have this looked at. To date, I haven't heard anything from either of the them. My XXXX report seemed to not have changed. The irony is that 6 months prior to my obtaining this HELOC loan, I obtained a regular UNSECURED loan to consolidate debt and my credit score rose significantly. Bear in mind that I could only borrow so much in an unsecured loan. Which is what prompted me to get a HELOC loan to consolidate all existing debt, lower interest rate, improve debt to income ratio, and improve financial picture. My score shouldn't have dropped. There has NOT been any types of factors with my credit that would've caused this ( ie. judgements, collections, late payments, charge offs, etc. ) I need this fixed and addressed immediately please. I have attached what my credit score shows as of right now. Prior to debt consolidation, both scores were above XXXX. Thanks for your help
Consumer complaint received 2024-05-19
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. (MD)

In my personal research, I discovered several Fair Credit Act violations in the contracts I obtained from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These violations include : - Promissory note - Requiring a deposit to be made - Using consumers ' social security numbers to obtain loan funds- Disclosing consumers ' personal identification and sensitive information to credit reporting agencies without written permission. 

According to 15 USC 16026, I am considered the creditor. Additionally, 15 USC 1662 states that it is illegal for the lender to request a down payment. Referring to 42 USC 408, it is deemed fraudulent to request my social security number. Furthermore, based on 15 USC 1605, the lender was obligated to provide me with insurance. I am perplexed as to why I was required to pay a down payment and why the lender never provided me with insurance, instead requiring me to obtain my own insurance.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

statement on XX/XX/XXXX the total amount was of {$53.00}, original charge was of {$25.00} paid the XXXX on XX/XX/2023, I made another purchase of XXXX made a payment of XXXX toward that purchase, I started receiving phone call from Macys saying that my account a larger amount than to my knowledge was only XXXX I called macys credit department and once again my account was placed under investigation all the time fees had been added to my account. I have sent copies of the original stamens and payments showing that up to the point there was no balance at all. now I am being billed for {$180.00} I called talk to the associates but keep talking over my voice. Now they have reported my account to all credit bureaus '. I have no other way to defend myself for total disregard of my efforts to clear my account. 

Please help. 
Ps all payments done through store costumers services.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 in XXXX XXXX XX/XX/year> to be removed. 

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. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-10
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. (AZ)

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you fail to respond promptly, I will pursue legal action XXXX seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

NewRez is a company who has assumed my home mortgage recently from XXXX. I decided to pay my mortgage loan off, Using Newrez website to determine final loan pay off amount on XX/XX/2019 which was {$3600.00}. I arranged for payment through the website and called to confirm that NewRez had received final payment on Friday, XX/XX/2019. Speaking to a representative on phone they had not yet taken payment from my personal XXXX banking account. So I gave her permission over the telephone pay off the loan of {$3600.00} using my XXXX bank account. On Monday, XX/XX/2019 I was notified by XXXX XXXX that there was an issue with my bank account, NewRez had withdrawn the money twice. The first time was on XX/XX/2019 and the second time was on XX/XX/2019. This caused an my XXXX banking account to ended up with {$0.00} in my personal checking account. This has left me with no cash available until my next paycheck. I have called NewRez several times during the week. Initial call was made on Tuesday XX/XX/2019 and after review of my records I was informed they made a mistake by withdrawing the funds twice. They acknowledged my mortgage was paid off on XX/XX/XXXX. As I explained on the phone by withdrawing the {$3600.00} twice they took all the money in my checking account. So I requested NewRez return the {$3600.00} they took out inappropriately after the loan was paid on XX/XX/XXXX. Initially I was told they would return the money in a few days, since then I have contacted them 3 times and explained they were given approval to withdraw {$3600.00} once, not twice. The second withdrawal was not approved. This was taken out after my loan was paid in full. I have been given various answers as to when I would have my money returned. Today XXXX I requested escalation to a supervisor or someone who could solve the problem after telling 3 employees from NewRez  I was going into the weekend with no cash in my XXXX bank  account because they had withdrawn the {$3600.00} inappropriately. This would cause a hardship leaving me without cash until my next paycheck. Today on Friday XX/XX/2019 the representative by phone tells me it will take 10 days to be reimbursed. 

In conclusion, my complaint/issue with NewRez   is after contacting them about final payment on my mortgage loan and being told they can handle it on the phone they have withdrawn money from my personal checking account 2 times. Friday, XX/XX/2019 {$3600.00} and again on Monday XX/XX/XXXX another {$3600.00} causing my personal XXXX bank account to end up with a balance of {$0.00} and leaving me without cash which is a considerable hardship. There is no reason after the mistake was identified and they acknowledged taking the {$3600.00} ( after my loan was paid in full ) the money has not been returned. In today 's electronic banking world this could have easily been accomplished within a 24-hour timeframe. NewRez should not have withdrawn money from my personal checking account after the loan was paid off.
Consumer complaint received 2024-06-09
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. (VA)

PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$24.00} XX/XX/XXXX TRANSUNION : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (MO)

I have 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  {$130.00} 4 ) XXXX XXXX XXXX {$350.00} 5 ) XXXX  XXXX {$71.00} 6 ) XXXX XXXX XXXX {$140.00} 7 ) XXXX XXXX {$30.00} 8 ) US Dept of Education {$3800.00} 9 ) XXXX XXXX
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MT)

I had paid off my XXXX  credit card through a debt collector, which was Midland LLC. I have tried speaking with both companies and neither of them said they could help me resolve the report on my credit report on XXXX  stating that I'm still paying on it. Which it should be closed, not open anymore.
Consumer complaint received 2024-06-10
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. (TN)

An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, XXXX, to notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail XXXX reiterating my previous communication and resubmitting the documents. To date, I have not received any response.
Consumer complaint received 2024-06-10
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. (PR)

As per your duty, please ensure accurate consumer information is reported. Kindly investigate and update incorrect addresses promptly to prevent potential legal action. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.